Do retirees need life insurance?
A Certified Financial Planner looks at the different strategies to ask your own advisor: Is life insurance the answer?
RRIFs
How is a non-registered account taxed upon death?
Here’s a primer for Canadians planning for the tax payable on a non-registered account at death, including capital gains...
Moving money from RRSPs, RRIFs and TFSAs in retirement
To have liquidity and reduce taxes, Canadians can move money between registered accounts. But what are the tax, contribution...
Year-end tax-saving tips for Canadians for 2024
Tax planning in Canada isn’t just for March and April. These smart tax moves need to be made before...
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Should you take extra RRIF withdrawals to increase your estate?
Contrary to the conventional advice, taking more than the minimum RRIF withdrawal can at times save tax on your...
Year-end tax and financial planning considerations
Some strategies are time-sensitive, while others can help you start the new year on the right foot.
What happens to a RRIF when the account owner dies?
Find out if a RRIF goes to the beneficiaries or spouse when the holder of this registered account passes...
How to consolidate your registered accounts for retirement income in Canada
Do Canadians need to consolidate RRSP accounts before converting to RRIFs? Find out this and more.
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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...