As you approach the significant milestone of retirement, you will benefit from careful planning and expert guidance. Working with the right financial advisor will help ensure that you navigate this tr...
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Reverse mortgages are a financial product designed to help Canadian homeowners aged 55 and older access a portion of their home equity without selling their property. This option can provide financial...
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Planning for retirement means understanding your sources of income and organizing them strategically for maximum stability. Your retirement income will typically come from a combination of government...
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Canada Pension Plan (CPP) and Old Age Security (OAS) are government programs that provide retirement income to Canadians. CPP is a pension that is funded by employers and employees and the amount you...
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Every January, we see reminders to invest in a Registered Retirement Savings Plan (RRSP) or Tax-Free Savings Account (TFSA). As you get closer to retirement, you might wonder: “Does investing in an RR...
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The transition to retirement is a pivotal phase in your financial journey, marking the shift from accumulating wealth to the crucial decisions around drawing income from your investments. This moment...
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Retirement is the reward for a lifetime of hard work and careful planning. It's a time when you should be able to relax, explore new passions, and cherish the moments that truly matter. Just like any...
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The Registered Disability Savings Plan (RDSP) is a government-assisted savings plan designed to help people with disabilities in Canada and their families to save for their long-term financial needs....
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In retirement, your investment mix becomes more important than ever. When you start spending income from your portfolio, how long your investments last will depend on asset allocation and asset locati...
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In the realm of financial planning, the fear of running out of money in retirement is a pervasive worry that can cast a shadow on your dreams. In this article, we will introduce various types of guara...
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The First-Time Home Buyer Savings Account, or FHSA, is a new registered savings account that is offered by Canadian financial institutions based on the government program to help first-time home buyer...
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Effective tax planning in retirement can help you keep more of your hard-earned savings. By organizing assets before retirement and income sources during retirement, you can minimize taxes and optimiz...
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When it comes to retirement planning, one of the most important considerations is how to strategically withdraw from your various investment accounts. The order in which you draw income from your inve...
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For you to draw a consistent paycheque from your investments, your financial plan needs to address investment management, a withdrawal plan, government benefits, and your estate. Taxation impacts each...
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Do you hold a joint bank account with a parent? This is a common practice, often suggested to facilitate managing their money in times of incapacity or death. While this approach is convenient, these...
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As you look to achieve peace of mind and minimize financial worries, you will want to consider how to control your assets after your life, in order to provide a secure future for the people you care a...
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Estate planning, often seen as a complex puzzle, is your way of ensuring your loved ones are financially secure long after you're gone. We will guide you through the essential steps, from evaluating y...
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