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TFSA vs. RRSP: Which one is the right fit for you?

TFSA vs. RRSP: Which one is the right fit for you?

Although Registered Retirement Saving Plan (RRSP’s) and Tax Free Savings Accounts (TFSAs) are similar, they have some distinct differences. One or a combination of both may be more suitable for you depending on several factors such as: Investment time horizon Current income Expected income after retirement Your individual goals Speaking with a licensed investment advisor who will help tailor a financial plan specific to your...

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Why Does Our Loonie Fluctuate?

Why Does Our Loonie Fluctuate?

Our loonie, like any other currency around the world, is measured against the strength of the U.S. dollar. A number of individuals seem to think that our dollar is linked to the price of oil. True, oil is purchased all over the world with U.S. dollars only, and sometimes we in Canada sell more oil than at other times, so it’s incorrectly presumed that one is...

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Celebrate with us!

Celebrate with us!

This month we celebrate the anniversaries of three special team members. Though you could not be there in person with us, we would like to share this milestone with you. Maria Ioannou:  Maria joined the Rothenberg team fresh out of university with her degree in finance not yet dry. She quickly demonstrated a thorough understanding of our at times complex accounting systems and was willing to...

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Sudden Prosperity and How NOT to Handle It

Sudden Prosperity and How NOT to Handle It

Have you read on occasion, like I have, of how an individual wins a few million dollars through some kind of lottery draw? Or maybe it’s a group of people sharing a lottery ticket and dividing up a 100 million or more? What about the lucky man or woman, who inherits a million dollars unexpectedly from a relative they hardly even knew? Then there’s the baby...

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It’s RRSP Season!

It’s RRSP Season!

The deadline for making a contribution to an RRSP for taxation year 2016 is March 1, 2017. Here is a refresher on Registered Retirement Savings Plans: Any person under the age of 71 and earning income in Canada, regardless of their place of residence, can contribute to an RRSP. When you put money into your RRSP, you can deduct that amount from your taxable income...

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Tax Free Savings Account (TFSA)

Tax Free Savings Account (TFSA)

2017 Contribution amount to a Tax Free Savings Account (TFSA) = $5,500 and the new LIFETIME contribution total is now $52,000. TFSA Facts: A Tax-Free Savings Account (TFSA) is an account that grows tax free. Investment income earned in a TFSA, including interest, capital gains and dividends, is not taxed, even when withdrawn. All Canadian residents age 18 and older with a Social Insurance Number can...

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Annual Pension Income Tax Credit

Annual Pension Income Tax Credit

Age 65 or older in 2017? Take advantage of the $2,000 annual Pension Income Tax Credit. The pension income amount allows you aged 65 + to claim a federal non-refundable tax credit on up to $2,000 of eligible pension income. If you don’t have a pension plan at work, there are ways to create pension income that qualifies for the pension income amount. One way...

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