Retirement Plan B: A Light Hearted Look

Sometimes I get tired of hearing about how much I should have saved for my retirement years ago.  I admit I had a late start and my portfolio is not as large as it could have been if I would have saved instead of spent my money over the years. However, if I don’t...

RDSP: Registered Disability Savings Plan

A Registered Disability Savings Plan (RDSP) is a tax-deferred savings vehicle that provides long-term financial security for people living with a disability.  It includes government incentives such as the Canada Disability Savings Grant (CDSG) and potentially the...

Joint Accounts: Understanding The Risks

Many people own property and investments jointly with another person, most commonly a spouse.  But when a joint account is used with individuals other than a spouse there are risks that need to be understood. There are two ways that a joint account can be held: joint...

Will You Be Better Off Financially Next Year?

There’s a lot of uncertainty surrounding the global economy these days.  There’s the debt crisis in Europe, and a myriad of economic problems in the United States.  Here in Canada, household debt has reached an all-time high and record low interest rates...

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