Registered Accts
Sell Non-Registered to Fund RRSP? The 2026 Math
Selling a non-registered fund to fund an RRSP: $2,400 in capital gains tax, a $16,000 refund and a $13,600 net benefit that can grow to $217,096…
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Registered Accts
How to Invest for Retirement in 5-8 Years (Canada, 2026)
A DB pension works like a $1.5M bond holding at a 4% withdrawal rate, so you can hold 55-65% equities five years from retirement. OAS is…
Registered Accts
What Is an RESP in Canada? How Education Savings Work (2026 Guide)
RESPs offer up to $7,200 in CESG grants per child if you contribute $2,500 a year; $100 a month earns roughly $4,300-4,500. Rules, withdrawals and comparisons.
Financial Planning
How RRSP Withdrawals Are Taxed in Canada: 2026 Guide
RRSP withholding tax is a flat 10/20/30% on the whole withdrawal, so $15,000 withholds $3,000. Scenarios and strategies to cut the tax you pay on withdrawals.
Registered Accts
RRSP Contribution Room 2026: How It’s Calculated & Where to Find It
How RRSP contribution room is calculated for 2026, where to find your limit in CRA My Account, and how to avoid over-contribution penalties.
Registered Accts
What Is an RRSP Beneficiary Designation in Canada?
Naming your spouse defers RRSP tax entirely (tax-free rollover to their RRSP/RRIF); naming your estate or no one triggers full taxation on your final return plus…
Registered Accts
RESP When Your Child Doesn’t Go to School: 3 Options for 2026
Child not going to school? What happens to RESP contributions, grants and growth, how sibling transfers and AIPs work, and how to avoid the 20% tax.
Registered Accts
The FHSA Cheat Code for future home: Why Setting Up a C$25 Weekly Auto-Deposit Beats Year-End Scrambling.
Automate FHSA contributions from $25 a week, claim the deduction and avoid the one-year carry-forward trap. Setup at TD, RBC, BMO, Wealthsimple and EQ.
Registered Accts
FHSA Qualifying Withdrawal Rules 2026: How to Withdraw Tax-Free for Your First Home
FHSA withdrawal rules for 2026: conditions for a tax-free qualifying withdrawal, the October 1 deadline, Form RC725, closing timing and using the HBP.