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

The best banks in Canada

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With so many options, finding the right bank can be a daunting task. We outline the best banks in Canada for different banking needs....

Are RRSP contributions worth it at age 70?

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

Planning for retirement with little or no savings to draw on

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Financial planning advice is often catered to wealthier Canadians. What can retirement look like for those without healthy RRSPs or other savings? ...

Switching to lower-cost investing

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Would you like to build a larger, more sustainable nest egg without taking more market risk? ...

When can you claim medical expenses on your tax return

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After you pay for out-of-pocket medical expenses, what should you do with the receipts? Find out if you can claim these on a tax...