Navigating Testamentary Capacity

You have an elderly widowed neighbour. You know her so well that she asked you to be the executor of her will some years ago, shortly after her husband died. Recently, you have noticed a few changes in her lifestyle. She is full of excitement...

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Ten Don’ts for DIY Investors

In my student days, I remember an ethics professor saying something to the effect of, “That which is not prohibited is permitted.” Of course, one pithy sentence does not exactly provide the full range of nuance that was elaborated on over the semesters that I...

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The Pros and Cons of Commuting a Pension

In years gone by, many people sought a job that would provide the proverbial “gold-plated” pension plan, by which was meant a defined benefit pension, what one might refer to as a “true” pension. That is, once you retired, you would get guaranteed, possibly inflation-protected,...

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In-Kind Contributions to RRSPs

It’s “RRSP season” and once again there is a scramble among a substantial proportion of Canadians to put a 2021 contribution together by the March 1, 2022 deadline. If the cash is not available, the classic option has been to get an RRSP loan from...

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