About TD Direct Investing TD Direct Investing, from TD Wealth, is Canada’s largest online brokerage and a division of the Toronto Dominion Bank. The brokerage originated in 1984 under the name ...

I’ve been writing about CPP and OAS for a long time now. In fact, my most popular articles in terms of traffic and views are my articles on CPP and OAS. Here’s a guide to CPP and OAS because of all ...

Updated June 21, 2017 On March 29 th, the Conservative party released their 2012 budget and the big news is the announced changes to Old Age Security (OAS). This change was one of the government’s ...

I recently came across someone who was financially impacted by the recent economic downturn. Although they were not over the age of 50, they were desperate to access their Locked in Retirement Account ...

In Canada, we pay a lot of tax. In fact, it’s been said there are two certainties in life – death and taxes. Most income is taxed at your personal marginal tax rate. Although we do pay a lot of tax, ...

2019 is the first year where the changes announced in June 2016 were be put in place. The Minister of Finance announced an agreement in principle with the provinces that would “strengthen the Canada ...

A question I’m often asked concerns how CPP benefits are calculated when someone is eligible for both a CPP retirement pension and a CPP survivor’s pension (commonly called a combined benefit). Many ...

When you understand the average tax rate calculation, it is easy to see how misleading a 50% tax rate is. In fact, whether you look at tax freedom day, marginal tax or average tax, there is not 50% ...

One area of tax planning that does not receive enough attention is the designation of beneficiaries when it comes to Registered Retirement Savings Plans (RRSPs) and Registered Retirement Income Funds ...

Using withdrawal rates One of the ways to ballpark the amount of income you can take from your portfolio is to use a withdrawal rate. The debate over what is a safe withdrawal rate will continue and ...

Back in the mid-90’s the insurance industry came out with a new concept called the Insured Retirement Strategy or Insured Retirement Plan. The idea is that you build tax-deferred investment values ...

Old Age Security clawback levels are also adjusted each year for inflation. For every dollar ($1.00) of income above the threshold, the amount of the basic OAS pension is reduced by 15 cents. For ...