Which savings should retirees draw down first?
Seniors seeking a decumulation strategy may be asking the wrong questions. Start with your spending plan, then model how...
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What happens to an RESP for grandchildren when you die?
Opening an RESP is a great way to contribute to your grandchildren’s education costs. But what happens if you...
Tax implications of adding a child’s name to your rental property
To fully understand the potential tax outcomes, consider legal versus beneficial ownership, the capital gains inclusion rate, changes to...
A parents’ guide to home down payment gifts and loans
Many parents loan or gift money to their adult children for real estate purchases. Here are the legal and...
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Which types of pension income can be split with your spouse in retirement?
Splitting income with your spouse can help you to pay less tax. Here are some types of retirement income...
Annuity vs. GIC: What makes sense for retiring?
Can you compare apples to apples with annuities and guaranteed investment certificates for retiring? Let’s find out.
Is now the time for retirees to sell stocks and buy GICs?
Many people near or in retirement are worried about stock market volatility. Does it ever make sense to put...
Should you hold gold in a RRIF?
Is gold a safe asset to invest your retirement savings? A Certified Financial Planner offers some perspective.
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Can I sell my cottage tax-free?
Is there a tax exemption for capital gains? No, but find out how to allocate your principal residence exemption...