Q – My husband and I are young newlyweds, and we are in the process of starting to look for our first home. We were preapproved by my bank, but now the rules have changed. How will the new mortgage rules affect me? – June R., Niagara Falls, Ontario A – The bottom line...

Q – I am worried about protecting my income during retirement. At the same time, I want to leave something to my grandchildren in my will. I’ve heard that annuities can provide a guaranteed stream of income. But once the annuity is paid out, there won’t be much left...

Q – We’ve often heard the old market saying, “Sell in May and go away.” What is your opinion about this? Do you recommend it as a strategy? – Mark N., Guelph, Ontario A – Catchy little bits of old market lore like this have become so ingrained that they’re often taken...

Q – My wife and I own our own home. We have been diligent about paying down our mortgage but at the cost of investing in the equity markets. Our house is fully paid for now, and we are both in our mid-40s. What is your advice on how to start investing in the markets?...