…your RRIF. It’s an important part of estate planning. If your RRIF beneficiary is your spouse What happens to your RRIF depend on whether you name your spouse as the…
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How and why to file your taxes
…To confirm eligibility for refundable tax credits or other benefits – Refundable tax credits include the GST/HST Credit, or the Canada Workers Benefit. If you don’t file a return, you won’t be…
What you should know about ESG funds
…are a do-it-yourself investor, use a robo-advisor or work with a financial advisor it’s important to knowing a fund’s ESG focus and ESG strategies to make more informed decisions. It’s useful…
Why we prefer to go with the flow instead of changing course
…work week –The five day work week is a societal norm that we have come to accept. Many organizations stick with a five day work week despite emerging evidence to…
Medical and attendant care expenses
If you’ve paid any medical expenses for yourself, spouse, and dependants the 12-month period of the current tax year, you can claim tax credits on your return. Learn more below…
6 money tips for life in retirement
…Plan (CPP) payments, Old Age Security (OAS), or the Guaranteed Income Supplement (GIS). 2. Learn about tax credits Older Canadians may be able to use tax credits to reduce the…
Behavioural insights: How to counteract your biases to make better decisions
…beliefs or shortcuts which cause you to make flawed decisions without you realizing. How can you change your behaviour? Behavioural scientists conduct research and use tools to understand why people…
The self-employed and tax
…office expenses You can deduct expenses for the business use of a work space in your home if: it is your main place of business, or you use it only…
Managing money in a second relationship
…by doing the math with financial calculators. You may want to try these first: RRSP savings calculator RESP savings calculator Pay down debt or invest calculator Pay off credit cards…
Putting your financial plan into action
…less and pursue interests like travel, volunteer work or part-time work. Starting a new business Turning your retirement savings and pension into income Managing taxes Managing your retirement savings…