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  Use caution when advisers cut their fees
ROB CARRICK  

Saturday, July 14, 2018

The problem with seeking the lowest-cost investment advice is that you may end up with the lowest-quality advice as well.Savvy investors generally work on the principle that paying less is unquestionably a good thing.
FULL STORY


Giving to charity? Don't use your will
GAIL JOHNSON  

Tuesday, July 10, 2018

It is better to give than receive, especially when that giving results in tax savings.One of the most common ways to donate money to a charity is through a will. But this approach has drawbacks. The tax savings is limited, and estates with high levels of charitable giving are sometimes challenged by family members. High-net-worth individuals should consider other methods.
FULL STORY


Surplus-funds strategy key to early retirement plans
DIANNE MALEY  

Saturday, June 30, 2018

For many Canadians, 55 seems to be the magic number - the ideal age to retire. So it is with Vicky and Norm.''My wife and I are both 44 years old and we both are currently working in Toronto,'' Norm writes in an e-mail. Vicky is a salaried professional, Norm holds a middle management position. Together they bring in about $280,000, not including Norm's bonus. They have a 12-year-old son whom they'd like to help through university.
FULL STORY


Tax breaks from insuring a child's life can have cascading benefits
TIM CESTNICK  

Friday, June 22, 2018

FCPA, FCA, CPA(IL), CFP, TEP, author, and co-founder and CEO of Our Family Office Inc.Have you ever considered buying life insurance on one of your kids? Maybe it depends on the lifestyle of your child. I think about the young man who, a few years ago in Stafford County, Va., would dress himself up in camouflage gear, lie across forest trails and wait to be run over by all-terrain vehicles.
FULL STORY


CLIENT SITUATION

Saturday, June 16, 2018

The people: Roger, 56, Ruth, 49, and their two children The problem: How to ensure they can afford to retire early and travel extensively without running out of money.The plan: Take full advantage of all the income and tax-saving moves available. Pay off the credit line and shift from GICs to a balanced portfolio of stocks and fixed income.
FULL STORY


Oops. I goofed on my tax return. What now?
JOHN HEINZL  

Saturday, June 09, 2018

I own units of a real estate investment trust that distributes a significant amount of return of capital every year. I know that ROC must be subtracted from one's adjusted cost base, but I was not aware until I read your column that once the ACB hits zero any further ROC payments are taxed as capital gains. As a result I have a negative ACB of about $13,000 on one of my REITs and I'm wondering what I need to do to make sure I don't get in hot water with the Canada Revenue Agency.
FULL STORY


Couple seek security in mobile retirement
DIANNE MALEY  

Saturday, June 02, 2018

Darryl and Don hope to hang up their hats in four years when Don will be entitled to an unreduced pension.When they do, they're thinking of selling their Toronto house, moving to Victoria and travelling extensively, Darryl writes in an email.
FULL STORY


Preparing now for cognitive decline is just plain smart
MARY GOODERHAM  

Tuesday, May 29, 2018

Most investors try to stay on top of their accounts and follow the rules of prudent money management.But as the mind slows with age, decision making may be impaired, and experts warn that dementia and even Alzheimer's disease can leave you incapable of managing your affairs.
FULL STORY


Empty nesters prepare for life after downsizing
DIANNE MALEY  

Saturday, May 26, 2018

Kyle and Talia have done almost everything right financially and now they're preparing to reap the rewards - helped, as is often the case, by an impressive rise in the value of their house over the years. He is 59, she is 58. They have four grown children who are wellestablished in their careers.
FULL STORY


Wealthsimple for Advisors appoints new CEO
CLARE O'HARA  

Wednesday, May 23, 2018

Robo-adviser Wealthsimple is boosting its line of business for financial advisers with the addition of prominent wealth management executive Jean-Francois Courville.Mr. Courville has been appointed chief executive officer of Wealthsimple for Advisors, the online portfolio manager's business-to-business platform designed specially for financial advisers looking to offset a portion of investment management tasks.
FULL STORY


Booking better returns for easy retirement
DIANNE MALEY  

Saturday, May 19, 2018

Louise is 59, divorced with no children. She's collecting long-term disability insurance benefits and could well continue doing so until she retires at age 65. She also gets a Canada Pension Plan disability benefit, bringing her total income before tax to $48,445 a year.
FULL STORY


Getting a grip on a lean, workable retirement
DIANNE MALEY  

Saturday, May 05, 2018

Louis has enjoyed an enviable lifestyle. He's his own boss, working part of the year as a landscaper and travelling the rest.But at 51, he is beginning to think about the future and the fact that he doesn't have a pension plan.
FULL STORY


How a leading financial-literacy educator manages her money
LARRY MacDONALD  

Saturday, April 28, 2018

Kelley Keehn is a financial literacy advocate and personal-finance educator who has authored nine books on topics ranging from the psychology of money for women to protecting against identity theft. Ms. Keehn also has done hundreds of media interviews, was a member of the National Steering Committee on Financial Literacy and currently serves as the consumer advocate for the Financial Planning Standards Council. According to her website, kelleykeehn.com, she previously worked in the financial industry as an adviser to high-net-worth clients before selling that business in 2005 to take up her current role.
FULL STORY


What to do when it's raining money
KIRA VERMOND  

Tuesday, April 24, 2018

About four years ago, Tony Mahabir, a certified financial planner in Toronto, landed a new client with an exciting back story. An employee of an aviation company, the person was one of about a dozen coworkers splitting a $50-millionplus lottery win. The windfall was a shock and, in some ways, a burden. ''Everybody's knocking on your door,'' says Mr. Mahabir, chief executive officer of CANFIN Financial Group. Family and friends seek handouts, charities ask for donations and unscrupulous ''advisors'' lurk.
FULL STORY


Single mom facing cash-flow shortfall
DIANNE MALEY  

Saturday, April 21, 2018

At 51, Meredith is single again with two young children, ages 6 and 9, money in her various accounts that has not yet been invested, a new home in Eastern Ontario and a rental condo in suburban Toronto - her former home - with a big mortgage.
FULL STORY


Big move puts focus on couple's portfolio mix
DIANNE MALEY  

Saturday, April 14, 2018

As their 50th birthdays approach, Bill and Hannah are planning to leave behind their big-earning and bigspending oil patch lifestyle and move back to Ontario to help care for ailing relatives.
FULL STORY


Forget falling stocks - there are other financial risks you should be worried about
ROB CARRICK  

Thursday, April 05, 2018

You have more important financial risks to worry about than falling stock markets.It's easy to get torqued these days about stocks. North American indexes were well into the red as of early April and the losses on a few particular days have been bad enough to rate mention on radio and TV news. Veterans of the most recent market crash know stocks only make the general news when they're dropping dramatically.
FULL STORY


The perils of bequeathing money to family overseas
CHRIS ATCHISON  

Tuesday, April 03, 2018

So storied is Canada's post-colonial, immigration-driven history that it's almost become cliched. From Heritage Minutes to civic mottos, ours is a country that embraces its immigrant past and future like no other.
FULL STORY


Challenges to estate plans on the rise
AUGUSTA DWYER  

Tuesday, April 03, 2018

Litigation over wills is becoming increasingly common, says Suzana Popovic-Montag, managing partner at Hull and Hull LLP, a Toronto-based law firm that specializes in estate and trust planning.''Coupled with the tremendous increase in wealth that we have seen over the last few years, people are living longer,'' she said. ''As people live longer, they are, statistically, far more likely to develop a cognitive disorder or to experience cognitive decline.''
FULL STORY


Early RRSP withdrawals can bring advantages
JEFF BUCKSTEIN  

Wednesday, March 21, 2018

Under certain circumstances, those who take strategic early withdrawals from a registered retirement savings plan may find tax and other financial advantages, experts say.In the decade prior to the absolute deadline when 71-yearold Canadians must turn an RRSP into either a registered retirement income fund (RRIF) or an annuity, it may make sense to withdraw some RRSP funds, but the raids should be carefully executed.
FULL STORY


How could your pension be paid out?
GAIL JOHNSON  

Wednesday, March 21, 2018

Retirement may seem like an abstract concept to many young couples, but for Tom and Sue Heideman, it was something they began planning early in their marriage. And now the two are loving their work-free lifestyle after recently moving from Toronto to retire in a small community near Orillia, Ont.
FULL STORY


'Hands-on' investor looks to switch advisers
DIANNE MALEY  

Saturday, March 03, 2018

Lena is 82, ''single by choice'' and concerned about estate planning after a recent health problem. She also wants some help with her investment portfolio, but she dislikes paying fees and commissions.
FULL STORY


How to be a tax-smart snowbird
DAVID ALTRO, MATT ALTRO  

Friday, February 23, 2018

David Altro is the managing partner of Altro LLP, which specializes in cross-border tax and estate planning, real estate and immigration and has offices in Canada and the United States.
FULL STORY


Banks set for strong results as trade, housing risks loom
JAMES BRADSHAW  

Tuesday, February 20, 2018

Bullish expectations for Canada's banks are carrying into reporting season for the first fiscal quarter, dampened just a little by uncertainty over global trade and Canada's volatile housing markets.
FULL STORY


Six dividend deals in the market rubble
JOHN HEINZL  

Wednesday, February 07, 2018

With stock markets plunging amid worries about rising interest rates, plenty of investors have been selling dividend-paying companies indiscriminately.Not Darren Sissons. He's been buying them.''Investors, and retail investors in particular, are abandoning ... categories such as consumer staples and consumer discretionary, telcos and utilities,'' says the partner and portfolio manager with Campbell Lee and Ross Investment Management. ''We are of the opinion that buying out-of-favour dividend champions will provide an attractive total return for patient, dividend-focused investors longer term.''
FULL STORY

 

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