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...
Retirement
What to do if you outlive your retirement savings
Some Canadian seniors enter retirement without savings or run out of money over time. Here’s how they can stay...
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...
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...
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How to make sure you have enough money to fund your RRIF withdrawals
Once you start RRIFing, how do you make sure you have enough cash, and should you dial down risk?
Bob Joyce, financial advisor
Meet Bob Joyce, an advice-only financial planner based in Hacketts Cove, N.S.
OAS payment dates in 2025, and more to know about Old Age Security
Here’s how Canada’s Old Age Security pension works, who’s eligible for OAS, when you can start receiving OAS, and...
CPP payment dates in 2025, and more to know about the Canada Pension Plan
Here’s how Canada’s retirement pension plan works, who’s eligible for CPP, when you can start receiving CPP, and CPP...
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When and how should I start drawing on my retirement savings?
There’s more than one way to optimize your income after retiring. Some strategies can boost wealth, and others may...