Are segregated funds right for an 85-year-old?

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Seg funds carry very high fees. Buyer beware ...

The right way to unwind your locked-in retirement account

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OM is trying to formulate a plan for a locked-in retirement account. What are some LIRA best practices to consider? ...

Are RRSP contributions worth it at age 70?

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Shirley wants to offset capital gains. Is it worth it? ...

Best way to invest RRIF money so it lasts

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Step 1: Separate lifetime sources of income from investing sources of income ...

Bleeding your RRSP dry to save on tax when you’re dead

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Chris is retiring and living on CPP, OAS and her RRSP. She wonders if she should take more than the minimum withdrawal from her...

What I learned by putting Viviplan to the test

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Including tips on retirement, investing—and not running out of money ...

RRIFs and income splitting in the year of death

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Gloria’s husband died recently. She’s looking for clarification on what happens with his RRIF and if and how she can split income with him...

Should Marcel move all his RRIF investments to a low-risk balanced...

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He wants to lock in equity gains and reduce volatility ...

Are annuities, bonds or GICs best for an 80-year-old’s money?

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Terry has done well with higher yield shares and ETFs, but is worried about rising interest rates ...

Getting the most out of retirement income planning with an older...

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Ellen is curious how pension income splitting works when there is a big age difference between spouses. There are several considerations. ...

Recent Posts

Financial priorities for the new year

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January is a good time to review your investments, tax and debt management planning. Here’s how to get started. ...

The best ways to help kids financially

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You don’t have to be rich to give children a good start in life. Here are six strategies to use with kids of any...

My three kids chose different educational paths. How do I withdraw RESP funds in...

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A Certified Financial Planner explains how RESP withdrawal and taxation can work for each of your children, regardless of their educational path. ...

Not sure what to put in your RRSP and TFSA? Make contributions anyway

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While you decide what investments to buy, registered savings accounts pay you interest on your cash. ...

How to make the most of your TFSAs in retirement

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It’s generally better to contribute to a tax-free savings account than an RRSP as you approach your post-employment years. TFSAs can also take some...