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 ...

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, ...

What I would like to share with you in this month’s article is a recent talk I had with Kenneth Pope where we discussed Henson Trusts, ODSP and other tax credits that families and disabled individuals ...

We can choose to use whatever language we like: downsizing, rightsizing or firing, in the end, the result of losing one’s job can be devastating. Companies provide severance packages for a range of ...

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 ...

(note: All levels of government have discussed this proposal and on December 15, 2009, these changes became law with the passing of Bill-C51. Most of the changes will come into effect on January 1, ...

We all love our homes. They are after all, a reflection of our personalities and tastes and where we feel most comfortable. In Canada, the expression “A Man’s/Woman’s Home is his/her Castle” has never ...

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% ...

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 ...