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Is your RRSP ready for you to retire?

The Canadian government regulates the Registered Retirement Savings Plan (RRSP) program, allowing it to have unique tax benefits as you save for your retirement. Annual RRSP contributions can reduce the amount of income tax you pay in the year of your contribution....

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RRSP versus Non-Registered Investments

Let’s compare taxed and tax-free investment returns to see this advantage. First, let’s look at investing outside of your registered retirement savings plan (RRSP). If you have a marginal tax rate of 40% and invest $2,000 per year for the next 30 years at...

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2017 Tax Year – RRSP Guide

What is your RRSP/PRPP deduction limit? Your registered retirement savings plan (RRSP) and pooled registered pension plan (PRPP) deduction limit, often called your “contribution room” is: the amount that you can contribute to your RRSP, PRPP, or SPP the...

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Investing is a strategic process, not the final goal

Investing is the strategic planning process, not the final goal It is important to realize that investing is not the goal. The goal is based on a future result that you aim for using mathematical calculations. Investing is what you do in the meantime while...

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Tax-planning scenarios using the TFSA

There are basic uses for the Tax-Free Savings Account (TFSA) for investment planning purposes. Some may have advantages for your planning: 1. Retirement planning. TFSAs can benefit individuals who are looking to invest in their retirement but are unable to...

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Do your heirs expect to inherit?

Do your heirs expect to inherit an old homestead property, a family cottage, a residence, your farm, an art collection, furniture, or business shares? They may have to be liquidated by the estate, perhaps at a loss, to pay any existing tax liability. Life...

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Using both RRSP and TFSA incentives

  What are some of the differences between a Tax-Free Savings Account (TFSA) and the Registered Retirement Savings Plan (RRSP)? The tax benefits of the Tax-Free Savings Account (TFSA) The TFSA is a registered savings account that makes it easy for Canadian...

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7 ways life insurance protects your financial foundation

Life insurance has been called the foundation of the strategy of building and protecting your net worth. The initial stages of your financial strategy should include adequate life insurance coverage. The following 7 tips will give you a template for your...

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Life Insurance can solve the final RRSP tax bite

Did you know that you cannot pass on your registered retirement savings tax free to your heirs? Once the second spouse dies, all monies in an RRSP or RRIF are taxable as income in your final tax return, unless there are dependent children. Considerable tax...

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Can life insurance fund RRSP estate tax erosion?

When planning your estate. It is important to consider how taxation will affect the future distribution of your estate.  For individuals that are married, when the first spouse passes away, the assets generally are able to rollover free from taxation to the...

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How do you deal with RRSP transfers upon death?

When RRSP assets are present in an estate, there are a few steps to follow to assist transferal in the event of inheritance, death or separation. A surviving spouse can transfer the full amount of a spouse’s RRSP as a refund of premium by rolling it into...

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Market Indices

The links on this page of the financial market indices for your perusal is information provided as is and solely for informational purposes, not for trading purposes or advice and may be delayed. Indices Data Links For the latest TSX numbers: please click...

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