https://youtu.be/1Ou5FguPqaQ Introduction Retirement isn’t a finish line. It’s the start of a very different financial game, one with its own rules, trade‑offs, and potential traps. And here’s the truth many people don’t realize until it’s too late: the way you withdraw from your accounts often matters more for taxes than the way you built them […]
November is “Make a Will” month in Canada, so it’s an appropriate time to discuss not only the importance of having a valid will in place, but how critical it is to have a will prepared by a legal professional with the necessary expertise in estate planning. Adverse consequences of not having a will If […]
https://youtu.be/sGJSu0xF3J0 Introduction You’ve been paying into the Canada Pension Plan (CPP) for years—decades, in fact. That deduction comes off your paycheque like clockwork, and for many Canadians, it’s easy to think, “That’s my retirement taken care of.” But here’s the catch: the way you claim CPP benefits has a big impact on how much income […]
Retirement is often viewed as a new chapter in your life, but it’s typically not just one chapter. These years are often divided into three very different phases. A great many retirees—though not all—go through the active, slowdown and inactive phases, sometimes called the go-go, slow-go and no-go phases. The active phase: retirement to age 75 When […]
https://youtu.be/-7yFMgMCElQ Introduction: The Retirement Income Crossroads Imagine you’ve saved diligently for years, and you’ve finally hit that milestone where your working life is winding down. You’ve got pensions, investments, maybe even a rental property or corporate account. But here’s the lingering question that sits in the back of many Canadians’ minds: *How do I turn […]
Introduction Most Canadians are sitting on a goldmine—and many don’t realize it. The Tax-Free Savings Account (TFSA) is often misunderstood because of its name. While most people see it as a simple place to stash cash, it’s actually one of the most powerful, tax-free investment tools available. Here’s the thing: using your TFSA wisely could […]
It’s an age-old question. If you have surplus cash flow or receive a lump sum, such as a tax refund or annual bonus, are you better off making extra mortgage payments or investing the money? Generally, if you expect your portfolio’s rate of return to be greater than your mortgage’s interest rate, investing may […]
Choosing an executor (liquidator in Quebec) to appoint in your will is an important estate planning decision. Many people instinctively appoint their spouse, siblings or adult children. This may seem logical, but appointing a family member is not always the best option. While some view being named as executor as an honor or a sign […]
Are you a pet parent – whether to a furry friend, feathered companion or another beloved animal? No matter if your companion is a cat, dog, bird, horse or exotic animal, it is important to have a plan in place to ensure they are cared for in the event you are no longer able to […]
https://youtu.be/BxXaVJPenWQ Opening an RESP might seem straightforward: fill out an application, pick some investments, and collect those generous government grants. But here’s the thing—when it comes time to actually use that money, the details of how you set up your plan can have a huge impact on taxes, flexibility, and your long-term estate goals. As […]
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