…critical. You may already have disability insurance through your group benefits plan at work. But group disability plans can be more restrictive in terms of the percentage of income they…
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Tax considerations for seniors
…plan to help parents and others save for the long-term financial security of a disabled person. Summary If you are 65 or older, there are a few tax credits you…
Strategies to pay down debt
…can find even $25 worth of monthly savings, it could make a long-term difference. Imagine putting that $25 towards one of your monthly debt payments instead. It could help you…
Preparing for financial emergencies
…make a big difference in the long term. You can consider automatic transfers from your chequing account to your emergency fund on your payday. Try to stick to your savings…
What your will should cover and why
…be distributed according to provincial laws. Includes the name of an executor who is responsible for administering your estate according to the terms of your will. Keep in mind: A…
Communicating your estate plan
…avoid potentially breaching of any applicable terms of service. A list of all the benefits your family members may be entitled to, such as life insurance and pensions. A list…
Reducing your estate costs
…insurance covers you for life, no matter how long you might live. Term insurance does not. Probate fees and life insurance When you name a beneficiary for your insurance proceeds,…
Sources of income in retirement
…your savings into a guaranteed monthly income. No matter what the markets do, your income will never change. You can choose a term-certain annuity (monthly payments for a set number…
How the First Home Savings Account (FHSA) works
…is a new kind of savings plan. If you’re unsure about whether it’s right for you, consider your long-term savings goals. If you’d like to purchase a home, consider how…
Educational assistance payments (EAPs)
…you open a group plan. Withdrawing contributions: You can usually withdraw your contributions from an RESP at any time, but it depends on the terms of your plan. You or…