How much income can I earn while getting OAS?
If you continue working in retirement, it could cause a clawback on your OAS. Here’s how to figure out...
Articles By Allan Norman, MSc, CFP, CIM:
What happens to a RRIF when the account owner dies?
Find out if a RRIF goes to the beneficiaries or spouse when the holder of this registered account passes...
Which savings should retirees draw down first?
Seniors seeking a decumulation strategy may be asking the wrong questions. Start with your spending plan, then model how...
Using a HELOC as an investment strategy: not as taboo as you might think
Would leveraging the equity in a home to invest in dividend-paying investments lead to tax repercussions?
Using whole life insurance for tax-free income in retirement
Borrowing against a policy’s cash value can provide tax-free income. But there are still costs involved and other factors...
“We’re set for life. Should we cash out an RRSP?”
The cost/benefit analysis of liquidating an RRSP can get complex fast. What matters more are your priorities.
Can you delay a RRIF withdrawal?
Let’s set the facts straight about RRSP/RRIF conversion, withdrawal amounts, claw backs and withholding taxes.
“Our parents just passed—What do we do about their estate?”
Two siblings’ complex inheritance provides a case study in minimizing death taxes.