Alina Robertson, CPA

Alina Robertson, CPA Helping you build and protect your wealth.

Learn how the federal government’s 2024 budget affects you and your money. Some of the highlights include:- increase to ...
04/19/2024

Learn how the federal government’s 2024 budget affects you and your money.

Some of the highlights include:
- increase to capital gains inclusion rate from 50% to 66.7% (affects corporations, trusts, and also individuals with capital gains of over $250,000)
- increase to RRSP Home Buyers' Plan incentive from $35,000 to $60,000
- increase to Canada Disability Benefit

Learn how the federal government’s 2024 budget can affect you and your money. All the ways the federal government's spending and investment plans for the coming year could end up affecting yours

Here is what you need to know in preparation for filing your 2023 tax return
02/23/2024

Here is what you need to know in preparation for filing your 2023 tax return

Here’s what’s new for the 2023 tax return, and some things to keep in mind as you get ready to file to the CRA. Keep reading.

Last week, Toronto was labelled the loneliest city in Canada. Post-pandemic life, coupled with feeling overwhelmed by af...
11/22/2023

Last week, Toronto was labelled the loneliest city in Canada. Post-pandemic life, coupled with feeling overwhelmed by affordability, has caused a significant rise in depression and anxiety. The WHO (World Health Organization) further declared loneliness a global health threat. This 'silent epidemic' is very alarming to me! Both mental and physical health are affected. Let's all do our part to reach out to family and friends this winter season, and increase authentic interaction.

The World Health Organization has declared loneliness a global health threat — as bad for your health as smoking 15 ci******es a day.

Interesting article about unconventional retirement planning strategies. My personal favourite is gradual, or semi-retir...
11/16/2023

Interesting article about unconventional retirement planning strategies. My personal favourite is gradual, or semi-retirement. Should you have questions about conversion of RRSP to RRIF, or whether to start CPP early or defer it, don't hesitate to reach out.

These alternative retirement strategies can make retirees better off when they stop working and give the best retirement possible. Read on.

I believe that financial advisors should aim to educate first. You may find yourself taking ideas away from family and f...
11/08/2023

I believe that financial advisors should aim to educate first. You may find yourself taking ideas away from family and friends on how to financially plan for your future, or endlessly reading up on material published on the internet. In either case, it never hurts to get a professional opinion. My job is to guide you away from misinformation, and empower you to take an education decision. Reach out to me with your questions, and let's make some good choices together.

Financial Literacy Manager explains why advisors should play a role in educating the next generation of their clients' families

Having had someone in my family diagnosed with breast cancer this year, I am thrilled to learn that Ontario is taking st...
10/30/2023

Having had someone in my family diagnosed with breast cancer this year, I am thrilled to learn that Ontario is taking steps towards breast cancer early detection. Starting in fall 2024, Ontario women over 40 years old (previously over 50) can self refer for a mammogram every 2 years.

Ontario is lowering the age for regular, publicly funded breast cancer screenings from 50 to 40, which Health Minister Sylvia Jones says will help with early detection.

Another article on the topic of mortgage renewal, which has been a point of discussion in my household lately. Should we...
10/25/2023

Another article on the topic of mortgage renewal, which has been a point of discussion in my household lately. Should we renew our mortgage, or refinance it at another institution? Interest rates aside. The latter will permit for lower monthly payments, but at a heavy cost of longer amortization term. This means the payments are stretched over several more years, therefore total interest you pay on the debt grows. What is right for your family goes to the basics of budgeting. Life is a balancing act.

Many Canadian homeowners are facing sticker shock with their monthly payments as their mortgage comes up for renewal.

Many, including myself, are currently dealing with mortgage renewal at high interest rates. Among the many consideration...
10/23/2023

Many, including myself, are currently dealing with mortgage renewal at high interest rates. Among the many considerations that come to mind during the process, this article talks about whether it makes sense to put extra cash into your RRSP vs. use it to help pay off a part of your mortgage.

Linda has a small mortgage and extra cash. Should she use it to pay off mortgage debt or contribute to her RRSP to bolster retirement savings?

Positive outlook for Canada's economy in 2024, according to Deloitte. Key contributors: Bank of Canada expected to cut i...
10/02/2023

Positive outlook for Canada's economy in 2024, according to Deloitte. Key contributors: Bank of Canada expected to cut its key lending rate, strong population growth in Canada, and strengthening U.S. trade.

Canada's near-term economic struggles will ease next year when growth returns and the Bank of Canada begins cutting its key lending rate, a new forecast from Deloitte Canada said.

As part of the probate process following death, probate fees apply on the value of a deceased person’s estate. This arti...
09/18/2023

As part of the probate process following death, probate fees apply on the value of a deceased person’s estate. This article covers several strategies for reducing, or avoiding, these fees. Joint ownership, designating a beneficiary, and setting up a living trust are effective ways to ensure assets pass outside the estate, saving you time and money.

Avoiding probate fees in Canada involves implementing strategies such as using beneficiary designations, joint ownership, and establishing trusts to ensure assets pass outside the estate.

An illness or disability can have an extensive negative impact on your family's life. It is not only your health that wo...
09/13/2023

An illness or disability can have an extensive negative impact on your family's life. It is not only your health that would suffer, but your income and savings as well. An emergency fund is one of the ways to mitigate against the risk of an accident. Having adequate life, critical illness and disability insurance is the other. If you haven't already explored these options, I strongly suggest that you reach out to learn more. Be prepared for the unexpected, and provide peace of mind for your loved ones.

Find out how to keep your savings from taking a hit when life throws you a curveball.

Parents are understandably worried about the growing costs of their kids' post-secondary education. RESPs help bridge th...
09/08/2023

Parents are understandably worried about the growing costs of their kids' post-secondary education. RESPs help bridge that gap. Save early, and properly plan your contributions to take full advantage of available government grants, as they provide free money for your child’s education.

Families saving for a child’s post-secondary education have more options than ever. With TFSAs, RRSPs and other accounts, does an RESP still make sense?

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