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4 rules to live by in retirement

Investing for retirement requires commitment and adherence to a plan over time.

Renovations so clients can age in place

Scenario Calgary retirees Dolores and Remus Aquino, aged 67 and 70, have lived in their spacious two-storey home for the last 30 years. They have…

Should retirement age eligibility be based on life expectancy?

If the age of eligibility gets raised, pre-retirement planning could get harder

  • By: Staff
  • May 3, 2017 September 6, 2018
  • 00:00

Help clients report all their taxable benefits

The T4 and T4A aren’t perfect. While taxpayers rely on these slips, and expect them to contain a straightforward listing of salary, benefits and related…

Despite longer lives and more tech, Canadians fail to plan

And many are resigned to longer work lives

  • By: Staff
  • April 27, 2017 September 6, 2018
  • 00:00

New seg fund rules could reduce taxes for investors

And for clients.

How to bring global pensions home

Traps to avoid

Help clients navigate common retirement fears

Famous Danish philosopher Soren Kierkegaard described anxiety as “the dizziness of freedom.” And there’s something to that. Routines form the fabric of most people’s lives,…

What sixtysomethings expect from their advisors

Client expectation: Why would I use an advisor? Are they worth their fees, or are they simply shills for the market? – William Beach, 65,…

How taxes impact asset allocation

The relationship between a change in pre-tax asset allocation and after-tax income isn't a simple one.

  • By: Staff
  • April 5, 2017 September 6, 2018
  • 00:00

Help clients preserve their capital

When clients start cruising toward retirement, advisors need to help them preserve capital by keeping an eye on both the asset mix and where those…

Should this retired Toronto couple buy or rent?

The situation Torontonians Jonah and Yaelle Goldstein,* both 75, love their stately Lawrence Park home. But, it’s become too much work to maintain. With its…

Encourage clients to brainstorm their ideal retirement

“Retirement is like a long vacation in Vegas,” former Wall Street Journal columnist Jonathan Clements once wrote. “The goal is to enjoy these years to…

Clients’ top question: Have I saved enough?

“Have I saved enough?” That’s the top question on the minds of half of Canadian pre-retirees, finds an RBC poll. Read: 37% of boomers question…

  • By: Staff
  • March 2, 2017 September 6, 2018
  • 15:16

Expanded CPP ready for Jan. 1, 2019

This story originally appeared on BenefitsCanada.com. Canada’s governor general has signed an order in council to bring the Canada Pension Plan enhancements in Bill C-26…

Your services are too expensive: survey

Retirees and pre-retirees cite cost when asked why they don't have advisors.

  • By: Staff
  • March 1, 2017 September 6, 2018
  • 00:00

30% of Canadian retirees face surprising costs

A recent RBC retirement poll shows that Canadians aged 55 and older are most worried about maintaining their standard of living, having enough savings and…

  • By: Staff
  • February 27, 2017 September 6, 2018
  • 00:00

Four strategies to help clients handle retirement challenges

So much of retirement planning involves calculation – how much clients need to save, how much cash flow they require, and for how long. But…

Five crucial questions for executors

Philip Porado on the five questions your clients should ask a prospective executor

37% of boomers question if they have enough savings

As your clients live longer, help them adjust their retirement goals and plans to account for extra costs.

  • By: Staff
  • February 14, 2017 September 6, 2018
  • 14:39

RRSP contributions fall by 26% between 2000 and 2013

The number of Canadians in their prime-working years that contributed to their RRSP accounts steadily declined from 2000 to 2013, according to a report by…

Are RRSPs better for business owners?

It might be time for a portfolio overhaul.

  • By: Staff
  • February 9, 2017 September 6, 2018
  • 00:00

Many Canadians withdrawing RRSP funds for daily expenses

Between not saving for RRSPs and making early withdrawals, Canadians are in a financial bind.

  • By: Staff
  • February 8, 2017 September 6, 2018
  • 14:25

Why Canadians aren’t contributing to RRSPs

Fewer Canadians plan to contribute to RRSPs this year compared to last year (46% versus 50%), though the average contribution has increased to $5,088 from…

  • By: Staff
  • February 2, 2017 September 6, 2018
  • 00:00

Co-ordinate family trusts to help a disabled heir

Doing so is simpler and more tax-efficient