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Articles By Jason Heath, CFP:

RESPs

Can I have a multi-generational RESP?

If money is left over in your child's RESP you can in theory use it for your future grandkid's...

Can I have a multi-generational RESP?

Retirement

How to avoid a pension clawback from a one-time event

Mike wants to know what can be done to avoid a reduction in government pension income due to a...

How to avoid a pension clawback from a one-time event

Financial Planning

The best way to transfer investments to your spouse

Dean has investments that he wants to transfer to his spouse. There are tax implications depending upon how the...

The best way to transfer investments to your spouse
Calculating taxes on an inherited RRIF

Taxes

After inheriting a RRIF account, how to know what you owe the taxman

Randy’s wife is the beneficiary of her late mother’s RRIF, and she wants to avoid penalties and interest on...

After inheriting a RRIF account, how to know what you owe the taxman

Retirement

How does a LIRA work after a pension transfer?

Ted is confused about his investment options after leaving a DC pension, and whether his pension money would be...

How does a LIRA work after a pension transfer?

Retirement

What to do when banks give questionable financial advice to seniors

Mel can't get a straight answer from his bank about his investment fees and is looking for some input...

What to do when banks give questionable financial advice to seniors

Retirement

What it takes to retire at 45

Konstantino is 27 and hopes to retire by 45. He wants to know how that impacts his RRSP versus...

What it takes to retire at 45

Investing

How to calculate capital gains tax for an employee share purchase plan

Kelly is confused about how to calculate the capital gains tax on her company savings plan shares.

How to calculate capital gains tax for an employee share purchase plan

Retirement

Getting the most out of retirement income planning with an older spouse

Ellen is curious how pension income splitting works when there is a big age difference between spouses. There are...

Getting the most out of retirement income planning with an older spouse