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Unlocking the Annuity Puzzle: Why Canadians avoid what seems to be the perfect retirement vehicle
Annuities promise guaranteed lifetime income—so why do Canadians avoid them? We unpack the “annuity puzzle” and when they may actually make sense.
What retirees need to know about tax brackets for 2025
Purchasing a life annuity is like creating your own pension plan, and a viable way to ensure a lifelong income stream. Yet Canadians still hesitate to purchase them. This article explains how to incorporate an annuity in your portfolio, and whether it’s a good option for you.
Poor millionaire homeowners: retirement with lots of home equity and not enough savings
If your equity is tied up in your home and you’re finding it difficult to get by in retirement, you’ve got options.
Why withdrawing from an RRSP early is more tax-efficient for some clients
Withdrawing from your RRSP can decrease your overall tax burden and increase government benefits. Morgan Ulmer explains.
What retirees need to know about tax brackets for 2025
We can expect slightly higher tax brackets, a higher Basic Personal Amount and OAS clawback thresholds, in 2025. Morgan Ulmer explains how retirees can capitalize on these changes.
“Help! My RRSPs are all over the place”
Consolidating your RRSPs reduces fees and helps clarify your investment performance. Morgan Ulmer explains.
How to protect an inheritance from the risk of divorce
Morgan Ulmer explains some of the ways to protect a financial gift in the event of marriage breakdown.
Why demonstrating value on an ongoing basis is a must for fee-based advisors
Demonstrating value to our clients is about more than knowing the industry and updating client portfolios. Getting to know clients is where the real value is uncovered.
RRSP to RRIF, and LIRA to LIF: How it all gets done
The need-to-knows when converting a LIRA to a LIF or annuity.
Nine reasons Canadians may owe a tax balance this year
It’s best to avoid surprises at tax time. Morgan Ulmer explains some of the factors that contribute to your tax bill.