Articles

  1. How RRIF Withdrawals Affect OAS And GIS ClawbacksRetirement income can change the amount of government support you receive, even when your total savings remain the same. For Canadians receiving Old Age…
  2. Seniors’ property tax deferral programs across Canada explainedProperty taxes can become difficult to manage when retirement income is limited, especially for homeowners facing higher municipal bills, rising utility costs,…
  3. What happens to your GIS when you turn 70Turning 70 can affect several parts of your retirement income, but it does not create a special Guaranteed Income Supplement (GIS) increase by itself. GIS…
  4. How the Canada Dental Benefit Works Alongside Provincial PlansDental costs can be difficult to manage when coverage is divided between federal and provincial programs. The Canada Dental Benefit was created as temporary…
  5. Understanding working and non-working CPP creditsThe Canada Pension Plan (CPP) is based mainly on your contributions and pensionable earnings during your working life. The more you contribute, and the longer…
  6. Ontario Trillium Benefit payments: who gets what in 2025The Ontario Trillium Benefit (OTB) helps eligible Ontario residents manage sales tax, energy, and housing costs. It combines three provincial credits into one…
  7. How TFSA Contribution Room Can Affect Your BenefitsA Tax-Free Savings Account (TFSA) can do more than help Canadians save and invest. The account may also influence how efficiently a household manages…
  8. Why Your CPP Payment May Be Lower Than ExpectedA CPP payment can differ from the amount you had in mind for several legitimate reasons. The estimate may have assumed a different retirement age, a longer…
  9. How to apply for the Canada Child Benefit for a child with a special needs trustA special needs trust can help protect money for a child with a disability without placing day-to-day funds directly under the child’s control. It does not, by…
  10. How CPP Credit Splitting Works After DivorceDivorce can change more than a household’s living arrangements. It may also affect retirement income, including benefits paid through the Canada Pension Plan…