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Our Articles & Insights

Six Steps to Retirement Success Thumbnail

Six Steps to Retirement Success

Wondering what the key to a fulfilling retirement is? It’s making the most of everything you have – your free time, your health, and all the money you’ve worked so hard to save! It takes good planning to make the most of your retirement, though. We’ve got six steps you must take to ensure you have a steady stream of income during your retirement years. We’ll explain why you need to take all of these steps – from organizing your assets to estate planning – to make the most of your retirement years.

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Does Cashing Out Your Pension Make Financial Sense?  Thumbnail

Does Cashing Out Your Pension Make Financial Sense?

If you've left a job or will be retiring soon, you may have the option to cash out your pension and put your pension's commuted value into a LIRA or an RRSP. Getting a lump sum will provide you with some investment opportunities, but it also comes with the risk that you'll be tempted to overspend early in your retirement. To help you make this decision, it's essential to be aware of critical factors – such as when your pension will start and what kind of income you may be able to earn if you take a lump sum.

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RRSP or TFSA Thumbnail

RRSP or TFSA

Both TFSAs and RRSPs can be significant savings vehicles for your clients. We've put together an article to help your clients easily understand the differences between them – with one section focussing on differences in deposits and one focussing on differences in withdrawals. The deposit section focuses on: • How much contribution room is available each year • How carry forward works for TFSAs and RRSPs • Tax deductibility of contributions • Tax treatment of growth The withdrawal section focusses on: • Conversion requirements • Tax treatment of withdrawals • Impact of withdrawals on government benefits • Impact of withdrawals on contribution room

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Coronavirus: Potential opportunities for investors Thumbnail

Coronavirus: Potential opportunities for investors

This article is an adaptation from a webcast featuring Jurrien Timmer, Director, Global Macro on the recent market volatility related to the coronavirus. March 2020 Are there risks of a potential recession? In the coming weeks we may see that word pop up ‐ “recession” ‐ but I believe it will be more of a technical recession.

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