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]

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]

My long-time clients, Norm and Mary, suffer from extreme retirement anxiety. They don’t have to stress about their retirement as they’ll have more money than they’ll ever need – yet they worry… [more]

Retirement income planning for Canadian non-resident expatriates can be difficult. Let's consider some of the implications of receiving CPP/QPP, OAS, RRSP and pension income in retirement. CPP/QPP… [more]