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spousal RRSP

A couple discusses declaring themselves common-law on their next tax return

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Should you claim your common-law partner on your taxes?

Changing your status to common-law has an impact on your tax return and government benefits. Here’s how to know...

Should you claim your common-law partner on your taxes?
Celebrating 72nd birthday and converting an RRSP into a RRIF

Retired Money

How to cope with the RRSP-to-RRIF deadline in your early 70s

You don’t want to miss the conversion deadline at the end of the year you turn 71—you’ll be on...

How to cope with the RRSP-to-RRIF deadline in your early 70s
A man and woman on a beach hold cushions saying Mr. Right and Mrs. Always Right

Financial Planning

Married with money: How to combine finances with your partner

Married with money: How to combine finances with your partner
A woman does the splits outside

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4 strategies for income splitting with a lower-income spouse

If one spouse does not work, is it beneficial for the other to invest and buy stocks in their...

4 strategies for income splitting with a lower-income spouse

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A couple in their 70s embrace

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What do to with a spousal RRSP at age 71

Converting the account to a spousal RRIF is a common option, but be aware of the income attribution rules.

What do to with a spousal RRSP at age 71
A middle-aged woman, holding a mug, gazes out the window

Financial Planning

Women and money: Taking control of your personal finances

Stats show that many high-performing women leave money decisions to their partners—why is that?

Women and money: Taking control of your personal finances
A man and woman on a beach hold cushions saying Mr. Right and Mrs. Always Right

Financial Planning

Married with money: How to combine finances with your partner

Married with money: How to combine finances with your partner
A couple sit together on a bench, discussing how to withdraw from savings with tax efficiency.

Ask MoneySense

Tax-efficient retirement strategy options for Canadians

Tax-efficient retirement strategy options for Canadians

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A monopoly game is in session, symbolising how a couple could owe each other money with spousal loan strategy.

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How to invest with spousal loans for Canadians—and how to pay it back

There is plenty of advice on setting up a spousal loan for income splitting, but it’s important to know...

How to invest with spousal loans for Canadians—and how to pay it back

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