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Effects of the Low Canadian Dollar

Effects of the Low Canadian Dollar

by Roger Crandlemire | Nov 23, 2016 | Financial Planning, Retirement Income

This week the loonie fell below 69 cents US for the first time in 13 years. There are some benefits to a low dollar, but this has a big negative effect on snowbirds. Canadians taking their usual winter escape will be feeling the pinch. Their discretionary spending, on...
Government Clawbacks

Government Clawbacks

by Roger Crandlemire | Jun 10, 2016 | Financial Planning, GICs, Retirement Income, Segregated Funds

Government clawbacks can potentially be applied to even modest income levels and can be an emotional matter. They can reduce both income benefits/supplements and otherwise claimable tax credits. The term used rather than ‘clawback’ by Service Canada is ‘Recovery Tax’....
2015 Federal Budget Highlights for Seniors

2015 Federal Budget Highlights for Seniors

by Roger Crandlemire | Feb 10, 2015 | Retirement Income

Several of the proposals in April’s Federal Budget spell “GOOD NEWS” for seniors. Here is a summary of the high points: Registered Retirement Income Funds – Reduction in Minimum Withdrawal Factors Applicable to 2015 and subsequent taxation years Pre-age 71 rates are...
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