Online investing platforms have lowered the costs for Canadians who want to manage their own investments. Whether it’s a robo-advisor platform or an online brokerage, you can now trade thousands of ...

Retire Happy has been providing top quality information and resources on retirement, investing, estate planning and personal finance for over 20 years and has been recognized with awards for being one ...

Executor’s duties Below you will find a list of duties of an executor. This list is far from exhaustive but illustrates how important it is to choose a good executor. Keep in mind that rules and ...

What is the Disability Tax Credit (DTC)? The Disability Tax Credit is a non-refundable tax credit designed to reduce the tax burden on Canadians living with disabilities (or the family members who ...

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Maintaining a good credit score is one of the keys to financial health. Without good credit, your standard of living could be compromised. You may not have immediate access to bank deposits, and ...

Most often when we donate money to charities, we do it in the form of a direct contribution. Typically, someone knocks on your door or solicits you through the phone. Sometimes, we give a little by ...

What income is the OAS clawback based on? The OAS clawback is officially known as the OAS recovery tax, and as my client suspected, the clawback for any payment year (from July to June) is “normally” ...

Doug Runchey worked for the Income Security Programs branch of Human Resources and Skills Development Canada for more than 32 years, and was a specialist in the Canada Pension Plan and Old Age ...

The Best Credit Cards for Airport Lounge Access in Canada With one exception, every card on our list offers at least four complimentary airport lounge passes annually. In fact, one card gives you ...

Note that for regular RRIF withdrawals, there is no withholding tax until the RRIF minimum income is exceeded. Differentiating between withholding tax rates and income tax rates When it comes to ...

Not long ago, I wrote an article on the math of annuities suggesting that you can’t really make the decision to buy a life annuity without some numbers. The example I showed in that article was based ...