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A car or a condo costs the same whether there is one person buying or two. But financial planning is different for single and married people, especially in retirement. Here’s a look at the challenges and opportunities unique to couples, singles and the widowed. When you’re married In addition to companionship, retired couples can take advantage of a range of … Read More

For the 2016/2017 academic year, the average undergrad tuition in Canada was $6,373. But undergrads in dentistry paid $21,012; in medicine, $13,858; and in law, $11,385.1 Costs for residence also varied widely, from $8,000 at one university to more than $14,000 at another this past year.2 Then there are all the miscellaneous expenses associated with schooling, from books and lab … Read More

For many Canadians, it’s the biggest tax break of all. When you sell your principal residence, capital gains are exempt from tax. But homeowners selling after October 2016 have to jump through a few hoops to get the exemption. Here’s what you need to know. How the exemption works Typically, people claim the principal residence exemption on a house or … Read More

Life is full of surprises that can put your goals at risk. Here are some examples — and some key takeaways for all investors. Expecting an inheritance Richard and Sylvie are in their late 50s. Anticipating a sizable inheritance from Richard’s widowed father, they lead a luxurious lifestyle and save little. But then Richard’s father remarries and revises his will, … Read More