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Making retirement income last
Managing income streams tax efficiently Many people on the cusp of retirement are wondering whether they’ll outlive their retirement nest egg. Even those with hefty savings tucked away in Registered Retirement Savings Plans and Tax-Free Savings Accounts have...
What to do with the kids in the basement
The failure-to-launch syndrome More than one in three Canadians aged 20 to 34 are living with their parents according to the most recent census results from Statistics Canada. Worse yet, parents are still financially supporting them. That can lead to a series of...
TFSA strategies for tax-free saving
Tax-free investments and withdrawals It’s tax-filing season for most Canadians, and naturally, the advice and tips you get right now involve maximizing your immediate tax savings by making sure you take all the credits, deductions, and amounts you’re entitled to....
Be sure to claim all your credits and deductions
Don’t leave money on the table Are you taking all the tax deductions and tax credits you’re entitled to? If you’re a do-it-yourself-type, you may be missing out on some lucrative tax savings because you’re not claiming everything you should, even if you’re using...
Investment expenses you can deduct
Sorry, it’s a short list Tax-filing season is upon us, and at this time of the year I get many questions about the kinds of expenses that investors can deduct. Novice investors, especially, have a kind of starry-eyed idea about deducting everything from their...
The role of a financial advisor
Differentiating from robots and algorithms In this era of robo-advisors and artificial intelligence, it’s easy to believe that the expert, professional flesh-and-blood financial advisor has gone the way of the horse and buggy. It’s even easier to believe if you buy...
Fraud prevention: recognize these 3 financial scams
How to avoid becoming a victim March is fraud-prevention month in Canada, and unfortunately thousands of Canadians continue to fall victim to scams perpetrated online and by phone, often losing tens of thousands of dollars or in some cases, their entire life...
Junior achievement: Teaching financial literacy
More important than ever in a digital world As society transitions increasingly to cashless transactions, using smartphones and online channels to pay for goods and services, parents have a bigger challenge than ever in teaching children the basics of financial...
Hearts and flowers…and finances
Financial advice for happy couples on St. Valentine’s Day Valentine’s Day is that annual hearts-and-flowers fest that can be gushingly romantic, to say nothing of stressful. It’s also a time when many proposals of marriage are made – and accepted. Once that initial...
Six rules for RRSP success
Key investment principles This year, the RRSP contribution deadline for getting a 2018 tax deduction is March 1. You still have four weeks to make a contribution, and that’s plenty of time to discuss the best strategy with your financial advisor. To make sure you...
How to protect your assets during a divorce
Accurate record-keeping is essential Divorce proceedings are often contentious, emotionally fraught, and never easy. That’s why when going through a divorce, it’s absolutely critical to keep a cool head about your finances and property. Unfortunately, it’s here...
Don’t panic! But do review your portfolio
Some annual housekeeping to keep allocations on track Concerns about the health of the global economy, the effects of the U.S.-China trade and tariff dispute, rising interest rates, and the flattening yield curve combined to make the stock market slump of the...