Jason Heath

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.

RRIFs and income splitting in the year of death

Online only, 04/12/2018 / Comments (0)

Gloria’s husband died recently. She’s looking for clarification on what happens with his RRIF and if and how she can split income with him in his year of death.

RESPs and Canadian non-residency

Online only, 27/11/2018 / Comments (0)

Cara and her family are becoming non-residents of Canada. They want to know what this means for their RESP account.

Selling your home to your kids—for $1

Online only, 20/11/2018 / Comments (0)

You need to consider if the savings for your child are worth the risk to you

Bleeding your RRSP dry to save on tax when you’re dead

Online only, 13/11/2018 / Comments (0)

Chris is retiring and living on CPP, OAS and her RRSP. She wonders if she should take more than the minimum withdrawal from her RRSP to save tax on her death.

Leaving an inheritance for your grandchildren

Online only, 07/11/2018 / Comments (0)

Dan’s mother wants to use some of the proceeds from her home sale to help her young grandchildren save for their future

How single seniors can plan for retirement

Online only, 31/10/2018 / Comments (0)

Diane is worried about the prospect of retiring on her own especially given her limited ability to save

Should you incorporate to save on taxes?

Online only, 23/10/2018 / Comments (0)

Only if you can justify the initial and ongoing costs

Drawing down retirement savings as a single senior

Online only, 16/10/2018 / Comments (0)

What to do with pensions, RRSPs, TFSAs, CPP and OAS as a solo retiree

How to decide when to convert RRSPs to RIFFs

Online only, 09/10/2018 / Comments (0)

Bart has three RRSP accounts and wants to know how his RRIF withdrawals are calculated