Cardinal Capital Management - Calgary

The problem is that retirement does not unfold on a spreadsheet. It unfolds in real life with health issues, market cycles, family history, spending needs and the very human desire to enjoy the early, active years of retirement.

Should I delay taking CPP and OAS if I have chronic health issues? FP Answers: Delaying benefits gives you higher payments but the decision should be guided by factors like health and spending needs.

You may be surprised how much RRIF income increases your tax bill after age 71. Here are some ways to control the damage.

The ripple effect of RRIF withdrawals

For all the extraordinary things AI can do, there are some things it simply cannot replicate in the way a human being experiences them. It can analyze emotion, understand language, recognize patterns and produce something that sounds incredibly sensitive, but it doesn’t actually feel anything.

Why Humans Still Matter in the Age of Intelligent Machines In the age of AI the fear of the technology is the reverse of reality.

While variable rates are on hold for now, fixed rates are marching upward.

What the trade war and U.S. policy mean for Canadian mortgage rates

Retirement Income: The Vanguard Principles Every Retiree Should Know Vanguard shares principles that every affluent retirees needs to know to get the most out of their retirement income.

Canadian stock market is relatively small and concentrated. Financial and energy companies make up a significant portion of Canadian equities, while the U.S. market gives investors much greater exposure to sectors such as technology and consumer companies.

Canadians can boycott U.S. travel and alcohol. But investments are a different story Dropping the United States from an investment portfolio could have serious financial consequences.

Getting laid off is brutal. But when it comes with a severance package intended to cushion the financial blow, it can also be a windfall that requires planning to maximize the benefit and limit the tax consequences

Your severance could be a financial windfall, if you handle it right A layoff hurts, so make sure you don't let a big tax hit from a payout package make it more painful.

The 4% rule for retirement savings is due for a revamp.

The creator of the 4% rule for retirement savings wants you to spend more

While many costs are fixed, experts say there might be some wiggle room on property taxes to get the amount lowered or a potential refund. But first, you need to know if there is merit for an appeal.

Here’s when you might be able to apply for lower property taxes Owning a home comes with a long list of expenses that go beyond a monthly mortgage, whether that’s replacing an old roof, paying for home insurance or keeping up with climbing property taxes.

Owning a home comes with a long list of expenses that go beyond a monthly mortgage, whether that’s replacing an old roof, paying for home insurance or keeping up with climbing property taxes.

Here’s when you might be able to apply for lower property taxes