The Old Age Security (OAS) program provides a guaranteed stream of income to Canadians in retirement – but those with taxable income above a threshold (in 2025, $93,454) start losing some of their OAS to the pension recovery tax (commonly referred to as the clawback).

It’s a rapidly growing social media phenomenon in Canada and worldwide. Financial influencers, or finfluencers, use YouTube, Instagram and other platforms to reach millions of followers.

We expect Donald Trump in power to be, on balance, positive for U.S. markets. Trump also has 11 billionaires in his cabinet, whereas Biden’s cabinet had a combined net worth of $100M.

Meeting numerous goals can be a challenge in itself, but you don’t need a long list of goals to face a dilemma. A younger millennial could be diligently saving for a down payment and wondering how important it is to also save for retirement right now.

Interestingly, when stock markets reach new highs, different investors may react in opposite ways. Some investors are elated and want to make the most of a booming market. Others are fearful that what goes up must come down.

A donor-advised fund (DAF) is a flexible charitable vehicle you can use to flow donations through to your favourite charities today and as part of your estate planning. However, the administrative burden and costs are much lower with a DAF.

Even if you are a registered donor, there is no guarantee you will be one, but there is a chance you can save someone’s life and give them the opportunity to enjoy a better quality of life.

Remember that many people would not be alive today if it weren’t for all the families who, in the midst of their heartbreak, made the decide to donate organs and give the biggest gift of all.

A previous blog—“Have you built charity and philanthropy into your estate plan?”—provided an overview of strategies to give to charity on death. Now, let’s delve more deeply into how you can plan for a direct gift to charity in your estate plan. Here are five ways to accomplish this:

When you imagine the post-secondary education you’ll fund with a Registered Education Savings Plan (RESP), you may first think of a university or college. However, the government lists several hundred institutions beyond traditional universities and colleges that have programs eligible for RESP funding.

Life is different once your children leave home and start out on their own. Whether you have a sense of melancholy or feel free and easy as you look forward to a new chapter, it’s important to recognize that various aspects of your financial life may change.