The holidays are over, and you may suddenly find yourself with high credit balances. With so many better uses of your hard-earned money, you may wonder about the best way to reduce your interest payments and debt. Our team would be happy to meet with you to review your short- and long-term goals and situation, and to help you create a plan to balance your lifestyle now and in the future. Key ...

Many of our clients express concerns about probate fees. A little planning can help minimize these fees and also ensure assets are available to your heirs without delay. However, you also need to weigh the drawbacks of various strategies. First, it's important to know that probate fees are nowhere near the scale of income or capital gains taxes. Depending on the province, an estate worth $500...

Do you and your spouse expect to be in different tax brackets in retirement? If so, a spousal RRSP can help you create extra cash flow during your golden years. A spousal RRSP is one that allows a married or common law spouse to use their available RRSP room to make RRSP contributions for the other spouse and claim the tax deduction. The idea is to minimize the retirement assets and income of...