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PERSONAL FINANCE

Incorporating Inflation into Financial Planning

Investments, Personal Finance

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2022 Federal Budget @ your fingertips

Investments, Personal Finance

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2022 Financial facts @ your fingertips

Investments, Personal Finance

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Maximize your corporate account return potential with segregated funds

Investments, Personal Finance

Provide a tax efficient income stream for your surviving spouse

Like many Canadian business owners, you may be holding money in your corporate account in GICs and other short-term investments to avoid market downside risk. Consider segregated funds as an option in your corporate account to maximize investment returns and get efficient tax and estate planning. 

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RRIFs and changing beneficiaries to annuitants

Investments, Personal Finance

Bill and Rosalind are friends of Sam and Christine, whom you met in this article. They live in Halifax. Bill died of a stroke just before his 70th birthday. He had named his common law partner, Rosalind, as beneficiary of his Registered Retirement Income Fund (RRIF) via his will, which he had set up earlier in the year.

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RRIFs and successor annuitant benefits

Investments, Personal Finance

Sam and Christine live in Moncton, New Brunswick. Sam is celebrating his 71st birthday this year. He has held on to his Registered Retirement Savings Plan (RRSP), optimizing the tax sheltered benefits of doing so. He named his wife Christine as beneficiary of that plan. Sam wants to convert his RRSP to a Registered Retirement Income Fund (RRIF).

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RRIF transfers to spouse using segregated funds

Investments, Personal Finance

Tom and Sharon have been together for about 8 years. This is a second marriage for both of them. Tom is semi-retired; Sharon is a retired schoolteacher. The couple are both wary investors; they still feel the pain of the big market correction in 2008–09. They moved their investments to segregated funds for the insurance guarantees including the ability to reset the minimum guarantees based on the growth on their investments.

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Ten retirement myths series: Myth #10

Investments, Personal Finance

The next retirement myth is an example of an inter-generational issue. It also goes back to the issue of when to start making and funding plans for retirement. 


Retirement myth #10: I’m too
 young for critical illness or long term care coverage

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Ten retirement myths series: Myth #9

Investments, Personal Finance

Things often go wrong or take an unexpected turn even though you carefully planned what you were going to do. Robert Burns’ famous line basically said that the best laid plans of mice and men often go astray. That extends to intentions of staying on the job or finding paid work later in life. Here's retirement myth #9:

Retirement myth #9: Go back to work when there are not enough retirement savings

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Ten retirement myths series: Myth #8

Investments, Personal Finance

At the risk of sounding nitpicky, governments don’t pay for anything. Working Canadians do. Taxpayers do. Taxes are directed to certain areas of need. Growing needs and rising costs means that there isn’t enough public money to go around. That reality is hitting retirees and will hit them harder as time goes on.

Retirement myth #8: The government will take care of any medical expenses

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