Don’t let your savings trigger a pay cut: A case study on avoiding the 50% GIS clawback and the age 71 RRIF trap. Press enter or click to view image in full size In my previous art...
The Canadian Investor’s Guide to Dividends, Yield Traps, and OAS Clawbacks. Press enter or click to view image in full size In the Canadian investment landscape, dividends are more...
Why waiting until age 71 to withdraw from your RRSP might be the costliest mistake of your retirement. Press enter or click to view image in full size Many Canadians follow the tradition...
Press enter or click to view image in full size In my previous articles, The RRSP vs. TFSA Guide for Canadians Earning Under $60,000 and The RRSP Trap: Why...
Mastering the math of CPP, OAS, and the 4% Rule to build your own pension Press enter or click to view image in full size Most of us spend our lives trading time for money, hoping that o...
A simple guide to how the FHSA works, who can use it, and why it’s the most powerful way to save for your first home Press enter or click to view image in full size Homeownership i...
Your Simple Guide to Lower Taxes in Retirement Part 3 of our Income Splitting Series. See also: “Income Splitting for Canadians” and “Spousal RRSP for Income Splitting&rdq...
A simple, practical guide to how couples can reduce their lifetime tax bill. In my previous article, Income Splitting for Canadians, I discussed three strategies Canadian couples with...
A stress test of the 5% real return: Why lower growth rates won’t save you from the “Tax-and-Clawback” cycle. Press enter or click to view image in full size In Th...
A simple, practical guide to how couples can legally reduce their household tax bill. In most Canadian families today, both partners rarely earn the exact same income. Sometimes there&rsquo...