financial planning articles

Documents to help you prepare for your financial planning.
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What is a Tax Free Savings Account?

Well, it is not necessarily a savings account! It is a trust account that you can use to save for anything you want.
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Will Canada's Pension Plan Be There For You?

Relax. There's no reason to worry about your CPP during these volatile days of wildly fluctuating stock markets and the subprime mortgage crisis.
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Tax Planning Tips (2008)

Important information and tips to help you through the tax season.
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Types of RRSPs

How do you choose an RRSP? First you must realize that an RRSP is not an investment...
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Investment Vehicles

Listed are a number of investment options...
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What’s Best Pay Off My Mortgage Or Contribute To An RRSP?

One of the more difficult financial decisions an individual must make is whether to contribute money to an RRSP or use that money to pay down their mortgage...
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How Do I Pay For Education Costs? (2008)

Top 10 Education Funding Strategies ...
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How Much Do I Need To Retire?

This is one of the most common questions I get at retirement planning seminars. My answer is a glib “How much do you want?”...
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Life Insurance Needs

How much will you need? What type? Where will this money come from?...
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What Happens if You Die Without a Will

If you do not have a will, each provincial government has an “Intestate Succession Act” which will tell the administrator (appointed by the government) who will inherit your estate...
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Pension Options

In Alberta, the money that is held for you in a pension plan and/or the money that you have in your LIRA (Locked-In Retirement Account or Locked-in RRSP) must be used to provide you with lifetime income when you retire....
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Creating Cash Flow From Your Investments

As you reach retirement, creating cash flow from your investments becomes more important. First you need to determine how much, how often and when...
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Are You 71 This Year?

If so, remember that, by law, this is the year that you must transfer your RRSP to a Registered Retirement Income Fund or purchase an annuity...
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