Jason Heath

How to avoid a pension clawback from a one-time event

Online only, 19/03/2019 / Comments (0)

Mike wants to know what can be done to avoid a reduction in government pension income due to a one-time event.

The best way to transfer investments to your spouse

Online only, 12/03/2019 / Comments (0)

Dean has investments that he wants to transfer to his spouse. There are tax implications depending upon how the transfer occurs

After inheriting a RRIF account, how to know what you owe the taxman

Online only, 05/03/2019 / Comments (0)

Randy’s wife is the beneficiary of her late mother’s RRIF, and she wants to avoid penalties and interest on the tax owing.

Should retirees pay off their mortgages with investments?

Online only, 25/02/2019 / Comments (0)

Liz has just retired and wonders if she should use her investments to pay off her mortgage, despite her advisor’s advice to the contrary.

How does a LIRA work after a pension transfer?

Online only, 20/02/2019 / Comments (0)

Ted is confused about his investment options after leaving a DC pension, and whether his pension money would be better off in a regular RRSP.

What to do when banks give questionable financial advice to seniors

Online only, 12/02/2019 / Comments (0)

Mel can’t get a straight answer from his bank about his investment fees and is looking for some input on investing late in retirement.

What it takes to retire at 45

Online only, 06/02/2019 / Comments (0)

Konstantino is 27 and hopes to retire by 45. He wants to know how that impacts his RRSP versus TFSA savings strategy.

How to calculate capital gains tax for an employee share purchase plan

Online only, 29/01/2019 / Comments (0)

Kelly is confused about how to calculate the capital gains tax on her company savings plan shares.

Getting the most out of retirement income planning with an older spouse

Online only, 22/01/2019 / Comments (0)

Ellen is curious how pension income splitting works when there is a big age difference between spouses. There are several considerations.

Disability, income splitting and tax reduction

Online only, 15/01/2019 / Comments (0)

Rob’s wife is unable to work due to a chronic illness. He’s trying to plan for tax reduction in retirement on their registered accounts.

Why it’s still worth it for high-income seniors to apply for OAS

Online only, 08/01/2019 / Comments (0)

Eileen is worried about the adverse impact on her taxes if she applies for OAS, and wonders if she should still apply.

The limits of Old Age Security survivor benefits

Online only, 02/01/2019 / Comments (0)

Lillian lost her husband and wants to know what happens to his Old Age Security pension.

What’s the best time to transfer a TFSA between institutions?

Online only, 27/12/2018 / Comments (0)

Sandie wants to get the timing of her TFSA transfer right

The downside of naming children as RRIF beneficiaries

Online only, 18/12/2018 / Comments (0)

Kerry is doing some estate planning with his RRIF and wants to make sure it goes to his wife and kids in the best possible manner.

Can you transfer your full pension into an RRSP?

Online only, 11/12/2018 / Comments (0)

Margaret wants to know how to avoid losing some of her pension if she transfers it into an RRSP at retirement.