Investment tax planning is not just about writing the government a cheque; it can be a deeply involved process that examines many different variables.
This careful work can dramatically lower the taxes you owe. Every investment option has a tax implication, and understanding the tradeoffs between each choice is critical to maximizing your returns.
RRSP, RRIF, LIF, TFSA, JWROS, LIRA – who can make sense of this alphabet soup?
TFSA
The Tax-Free Savings Account is a registered savings account that allows taxpayers to earn investment income tax-free inside the…
RESP
Registered Education Savings Plans are registered education savings plans that grow tax-free until the child is ready for university, college or…
RRSP
A Registered Retirement Savings Plan is a retirement plan that is registered with the federal government and that you or your spouse or common…
RDSP
Since 2011, the Registered Disability Savings Plan has been available to Canadians who qualify for the disability tax credit and offers a tremendous bonus…
RRSP Loans
Borrowing money to invest in an RRSP has many advantages. Besides the immediate tax refund, you also can also increase the amount that you have to invest…
Borrowing to Invest
Leveraged investing is defined as borrowing money to finance an investment. You are familiar with the concept of leverage if you’ve ever borrowed…
WHAT WE DO
Many people will offer you advice on…
For most Canadians, retirement is a…
Many people assume that estate planning is…
Investment tax planning is not just about…
Careful portfolio analysis is necessary to…
Proper analysis is vital to ensure that…
If you are just starting out, it’s easy to…
You get home from work, your spouse is…
You are more experienced now, your bank account is…
During the last market downturn, retirees who…
Running a single-person household has a unique..
