RDSP Retirement Disability Savings Plan

Understanding the Registered Disability Savings Plan

The Registered Disability Savings Plan (RDSP), which became available to Canadians in 2008, can be a very good way to accumulate tax-deferred savings (and obtain ‘free’ matching grants/bonds) for a disabled person.

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Tax Return Canada Revenue Agency

Be an early bird and keep more of what you earn

It’s a little late to practice early tax preparation this year – but make it your practice for next year and you will keep more of what you

House in hands, mortgage, home insurance

Mortgage vs. RRSP: What makes most sense?

It’s a question many people ask themselves as tax season approaches: Pay down the mortgage or top up the RRSP? Both are investments in the future — with mortgage

Are you ‘average’? Definitely not!

Here’s one dictionary definition of average:  Lacking any extraordinary, untypical, or exceptional characteristic.  Does that describe you?  Of course not – you are unique.  Yet, many Canadians will

When it makes sense to borrow for your RRSP

Loans are a part of life for most Canadians.  We take out loans to pay for our cars and our homes, for vacations, furniture and TVs.  And, at

Planning for later retirement

Planning to live longer

An old saying remarks “what a difference a day makes”. But how about ten years or even twenty?  What kind of difference would that make to your retirement

Piggy Bank

Cycling your way to a lifetime of financial fitness

Regularly riding a stationary or road cycle is a great way to stay fit.  Taking a life cycle approach to investing is also one of the best ways

Tax Return Canada Revenue Agency

Last minute tax-saving tactics in 3D

The most effective way to save the most on your personal taxes is to make tax-planning a year-round activity. But, life is life, and things – like tax-planning

Piggy Bank

A great way to save – it’s almost TFSA time again

Unless you know you’re going to win the lottery, there’s no other way around it: To achieve your retirement and other financial goals, you will have to be

Piggy Bank

Uncover hidden investment money

Facing what seems to be a never-ending flow of day-to-day living expenses, it can appear difficult to set aside money for investing. But you know you should –

Making the most of what you’ve got — retirement tax planning strategies

Managing Your Money You’ve worked hard, planned carefully, saved and built your wealth – now it’s time to retire and enjoy the life you’ve dreamed about. But to be

The benefits of a tax plan -– now and in your future

Managing Your Money This fact of life probably won’t surprise you: The number one expense for nearly every Canadian is… taxes. However, it is very possible to legitimately save

PAC early to get a big jump on next year

Managing Your Money The March 1 deadline for Registered Retirement Savings Plan (RRSP) contributions is only a few days away –- and making your maximum contribution is always one

Your retirement income — how much is enough?

Managing Your Money Today’s retirees have a lot to look forward to. They are generally healthier, more active and engaged with everything their new life has to offer, and

When is the right time to invest?

Managing your Money You’ve managed to put aside a little extra cash or you’re expecting a nice tax refund and wondering what to do with the money. You’re

Making the right investment choices?

Managing your Money One of the essential fundamentals of any financial plan is an investment portfolio. But given the many investment options available to you, how do you make

It is basic, an RRSP is good for you

Managing your Money When it comes to investing and saving on taxes, you have options. Within your financial planning process, you should look at all of them and select

Marriage and money – time for a financial tune-up?

// Managing Your Money Your marriage may be made in heaven, as the saying goes, but it had better be a practical union, too – especially when it

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