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Making the most of the pension tax credit

Under what circumstances can you obtain the greatest tax savings on this $2,000 credit?

Retirement

From RRSP to RRIF—managing your investments in retirement

Learn how to navigate the transition from RRSP to RRIF, plan withdrawals, manage taxes, and tailor your retirement strategy...

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What’s more important: your wealth or your legacy?

Different retirement income strategies using registered accounts produce different outcomes. You must pick your priorities.

Retirement

RRIF and LIF withdrawal rates: Everything you need to know

Most registered retirement savings plans are eventually converted to registered retirement income funds. Here’s what to know about RRIF...

Debt

Should I use retirement savings to pay off credit card debt?

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Credit Canada

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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...

Columns

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”...

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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.

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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...