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...
retirement planning
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...
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...
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.
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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”...
Is real estate the best investment for a Canadian retiree?
I had three meetings this past week with Canadian clients where I challenged their real estate strategies. Here’s why.
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 to avoid RRSP overcontributions when you have a deferred profit sharing plan
Maxing out employer contributions is an easy way to boost your retirement savings. Here’s how to do it without...
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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...