Income splitting is not an easy strategy to accomplish in Canada. We live in a tax system where every individual must report their personal income and pay tax individually. Income splitting is a [more]
What is stopping you from financial success?
“Expect the best. Prepare for the worst. Capitalize on what comes.” – Zig Ziglar When we talk about money management, we talk in terms of action: earning; saving; giving; spending; paying dow [more]
How do you know when it’s the right time to retire?
Retirement readiness is not really tangible.  If you think about it, we use dates, ages. rules and money to make our target retirement date more tangible.  For example: In the pension wor [more]
Should folks in or nearing retirement buy an annuity? If so, what’s the best time to pull the trigger on that purchase? Generally, I'm not a big fan of annuities, especially when interest rates a [more]
Recently I was on my regular visit on Alberta Primetime and we talked about Robo-Advisors.  You can check out the interview here but here are some of the highlights of our discussion https://youtu [more]
In June 2016, the Minister of Finance announced an agreement in principle with the provinces that would “strengthen the Canada Pension Plan (CPP) for future generations.” These proposed changes be [more]