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Retirement income

A senior-age man and woman check their financial accounts on a laptop

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How to manage your tax withholding in retirement

Canadians accustomed to annual tax refunds may be surprised to owe tax in retirement and have government benefits clawed...

How to manage your tax withholding in retirement
A grandfather and grandson sit in front of a Happy Birthday sign.

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When do CPP and OAS pension payment increases happen around your birthday?

Luis asks when his Old Age Security payments will increase now that he is 75. We look at adjustment...

When do CPP and OAS pension payment increases happen around your birthday?
A hopeful-looking older woman on her living room sofa

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Planning to use your home equity in retirement

Real estate equity is a big part of seniors’ net worth. Some Canadian retirees may want or need to...

Planning to use your home equity in retirement

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Should we draw down my spouse’s RRIF faster?

The benefits of depleting savings to avoid estate taxes depends on many variables. But if you live a decade...

Should we draw down my spouse’s RRIF faster?

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A Canadian DIY investor is wondering if they should hire a planner.

Financial Planning

Do you need a planner if you’re a DIY investor?

The hidden costs of doing it alone: Why Canadian DIY investors should consider guidance from a professional planner.

Do you need a planner if you’re a DIY investor?

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How to allocate a RRIF for secure income in retirement

Should you hold equities? Fixed income? An annuity? Or all three? Financial advisors debate the options in today’s “tariffied”...

How to allocate a RRIF for secure income in retirement
A senior couple sing and play ukulele in their living room

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How the Liberals’ re-election impacts RRIFs, taxes and more

The party’s platform proposals may impact RRIF minimum withdrawals, income tax and more. Here’s how Canadians can plan for...

How the Liberals’ re-election impacts RRIFs, taxes and more
Seniors estate planning

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Should I draw down my RRIF to avoid estate taxes?

Yes, your estate will pay a high rate of tax on your RRIF when you die. But it usually...

Should I draw down my RRIF to avoid estate taxes?

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Can you make RRSP contributions after age 71?

Here’s why you might see an RRSP deduction limit on your notice of assessment, even when you’ve already converted...

Can you make RRSP contributions after age 71?

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