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Pension: what is an annuity and how does it work?

In the first installment of our two-part guide to annuities, we explain how an annuity can help you provide your income in retirement. The government doesn't want you to just dip into the pot willy ni... read more

Retirees Might Delay Social Security And Give Themselves A Big Fat Raise

Back to that Annuity Analogy, who doesn't want a $17,100 ... That might mean harvesting personal portfolio assets, staying in the work force (full or part time), or downsizing your home to create ... read more

How does a LIRA work after a pension transfer?

I think I’m getting this confused with a life annuity? How do you calculate this? I am 54 now. Please confirm that the LIRA does not limit my access to the funds when I’m ready to retire. A: It sounds ... read more

Underwriting and Finance/Reinsurance Focused InsurTechs – Understanding Licensure and Top 3 Regulatory Issues

However, if not, we hope this installment of InsurTech analysis serves as a nice and informative break from the rigors of your work day. This week we move ... live (a necessary evil for life insurance ... read more

No 401(k) at work? Here are other tax-smart ways to save

If you do have a plan at work, the 2019 deduction privilege ... you’ll often need to hold the annuity roughly 15 to 20 years before the advantage of tax-deferral tops a standard mutual fund. So what d... read more

How Does a Joint and Survivor Annuity Work?

An annuity is a monthly retirement payment guaranteed to last as long as you live. The joint and survivor option – or requirement in some cases – expands that lifetime benefit to continue paying out t... read more

Why Hire A Financial Advisor?

For most investors who choose to work with an advisor, advice is not just about investments ... Tax-loss harvesting can help boost after-tax returns For illustrative purposes only. Does not consider s... read more

12 Signs You’re Financially Ready to Quit Your Job

Does your employment agreement include a noncompete ... For example, California workers should be cut a check for their work and unused paid vacation time unless otherwise stipulated by a ... read more

How to determine what’s better – RRSPs or TFSAs?

You can simply take the cash value (this is terrible choice since the whole amount will be taxable), buy a life annuity or convert ... The TFSA does not provide for a tax deduction, but it offers ... read more

How to make better financial decisions

Do you see opportunity where others see problems, or does every silver lining have a dark cloud hanging ... Having enough money for when you cannot or no longer wish to work is not an optional financi... read more

Why are NHS staff quitting generous pensions at an alarming rate - and what are the benefits of sticking with the scheme?

There is a separate issue thought to be driving opt-outs among older NHS professionals who are closer to retirement, and which could be prompting some to stop work earlier than they ... If your employ... read more

Should I buy an annuity if my adviser says it's a bad idea?

Even if you conclude that putting a portion of your savings into an annuity does indeed make sense for you ... In the meantime, it wouldn't hurt to bone up a bit on how annuities work and, if you wish ... read more