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Using both RRSP and TFSA incentives

What are some of the differences between a Tax-Free Savings Account (TFSA) and the Registered Retirement Savings Plan (RRSP)? The tax benefits of the Tax-Free Savings Account (TFSA) The TFSA is a registered savings account that makes it easy for Canadian...

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Business employee retirement planning

Employee Retirement Plans incorporate the following: • Analysis of available investment vehicles and associated yields • Investment tracking and reinvestment alternatives • Individual financial and investment consulting • Establishment and management of...

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The Registered Education Savings Plan (RESP) for Educational Planning

Facts about an RESP A Registered Education Savings Plan (RESP) is a savings plan registered with the government that can help you save for your child’s post-secondary education. Money invested in an RESP grows tax-deferred. The government helps contribute...

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Education’s effect on future income

  How parents help shape the financial future of their children In Canada, the government allows a welcome tax break when you save for your child’s education. As parents, we need to consider the effect that education will have on the future income...

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Is your RRSP ready for you to retire?

The Canadian government regulates the Registered Retirement Savings Plan (RRSP) program, allowing it to have unique tax benefits as you save for your retirement. Annual RRSP contributions can reduce the amount of income tax you pay in the year of your contribution....

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Plan your RRSP Ahead to Reduce Taxable Income

It pays to plan your RRSP contributions before the end of the year to reduce your taxes that will be due on the current taxable year. To achieve this, assess your income and calculate how you can optimise the use of an RRSP to reduce your taxable income. You...

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RRSP versus Non-Registered Investments

Let’s compare taxed and tax-free investment returns to see this advantage. First, let’s look at investing outside of your registered retirement savings plan (RRSP). If you have a marginal tax rate of 40% and invest $2,000 per year for the next 30 years at...

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Tax-planning scenarios using the TFSA

There are basic uses for the Tax-Free Savings Account (TFSA) for investment planning purposes. Some may have advantages for your planning: 1. Retirement planning. TFSAs can benefit individuals who are looking to invest in their retirement but are unable to...

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Do your heirs expect to inherit?

Do your heirs expect to inherit an old homestead property, a family cottage, a residence, your farm, an art collection, furniture, or business shares? They may have to be liquidated by the estate, perhaps at a loss, to pay any existing tax liability. Life...

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7 ways life insurance protects your financial foundation

Life insurance has been called the foundation of the strategy of building and protecting your net worth. The initial stages of your financial strategy should include adequate life insurance coverage. The following 7 tips will give you a template for your...

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Life Insurance can solve the final RRSP tax bite

Did you know that you cannot pass on your registered retirement savings tax free to your heirs? Once the second spouse dies, all monies in an RRSP or RRIF are taxable as income in your final tax return, unless there are dependent children. Considerable tax...

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Can life insurance fund RRSP estate tax erosion?

When planning your estate. It is important to consider how taxation will affect the future distribution of your estate.  For individuals that are married, when the first spouse passes away, the assets generally are able to rollover free from taxation to the...

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