What is a TFSA? Tax-Free Savings Accounts are a savings mechanism introduced by the federal government in 2009. They are meant to encourage people to save by allowing deposits inside…
Category: Financial Planning
Market Perspective - October 2018 (Fall)
by Raymond Sawicki, MBA, CFA Senior Vice President and Chief Investment Officer
Registered Disability Savings Plans
What is an RDSP? Registered Disability Savings Plans are a federal program, created in 2008, that facilitates and encourages saving for the future needs of a person with a disability.…
Spousal Loans
What is a spousal loan? A spousal loan is exactly what it sounds like: one spouse (legally married or common law) lends the other funds. Using this type of loan…
Canada Pension Plan Sharing and Credit Splitting
What is CPP benefits sharing? The Canada Pension Plan (CPP) allows couples (married or common law) to apply to share their pensions equally. If one spouse’s benefits and tax bracket…