Jason Heath

Planning for the (potential) costs of long-term care

Online only, 10/02/2020 / Comments (0)

Insuring against a potential expense that could range from nothing to hundreds of thousands of dollars, and could happen at any time during a 30-plus year retirement, is challenging.

Do you have too many shares in one company?

Online only, 07/02/2020 / Comments (0)

Anyone who has a single stock that makes up more than 5% to 10% of their investment portfolio should be considering if they are overexposed and how to best diversify. Here are some options.

Should you buy health insurance in retirement?

Online only, 29/01/2020 / Comments (0)

Most people have health insurance coverage during their working years, but their employer picks up at least some of the cost. For retirees, the economics of buying similar coverage may not add up. Here’s why.

Is an RRSP loan a good idea?

Online only, 22/01/2020 / Comments (0)

Depending on which tax bracket you’re in and whether you have other debt, you might be better off simply directing what you would put towards loan repayments into regular RRSP contributions.

How to make sense of contradictory investment advice

Online only, 10/01/2020 / Comments (0)

Nat’s looking for help deciding which strategy truly is best: buy and hold for the long term, or sell off “losers” before they hurt your portfolio?

How does income from a rental property create RRSP contribution room?

Online only, 06/01/2020 / Comments (0)

And, perhaps more importantly, should Jerry, who’s retired, claim RRSP deductions or the capital cost allowance, to reduce his lifetime tax payable?

Planning for an inheritance

Online only, 10/12/2019 / Comments (0)

Nearly half of Canadians expect to receive an inheritance. But while it’s important to consider those potential funds in your own retirement planning, counting on them is downright dangerous. Here’s what you need to know.

How to recover financially from divorce

Online only, 04/12/2019 / Comments (0)

Top tips: Try to avoid any hasty decisions regarding real estate, and take the time to ensure you have the amount and type of insurance coverage you need.

Should you borrow to pay expenses on an investment property?

Online only, 15/11/2019 / Comments (0)

Garry, who’s retired, needs additional cash to cover the cost of maintaining a property he rents out. Should he consider taking out a line of credit backed by his equity?

Understanding your company pension plan

Online only, 06/11/2019 / Comments (0)

While the specifics can vary quite widely from plan to plan, a good place to start is with the basic differences between “defined benefit” and “defined contribution.”

“Should I sell off some investments to avoid OAS clawbacks?”

Online only, 29/10/2019 / Comments (0)

Cam is already feeling heavily taxed in retirement and wonders if he should get rid of his dividend-paying investments to avoid losing Old Age Security benefits.

“Who’ll pay for the cottage if I die?”

Online only, 16/10/2019 / Comments (0)

Having a mortgage doesn’t necessarily mean you need life insurance coverage equal to the amount you owe on it.

What is a pension bridge benefit and how does it work?

Online only, 09/10/2019 / Comments (0)

With retirement a couple years away, Kevin is considering his options. Forgoing the bridge benefit may help him enjoy his pension payments for longer.

What the federal parties’ 2019 campaign platforms mean for your money

Online only, 02/10/2019 / Comments (0)

With the election approaching, we asked a financial planner to break down the issues that will hit your wallet.

What investors need to know about changes to TD e-series Funds

Online only, 24/09/2019 / Comments (0)

TD e-Series Funds have been staples for passive index-fund investors and Canadian Couch Potato enthusiasts for two decades. Here’s a roundup of recent changes to the funds, and what that may mean for you.