Our financial planners have been quoted in the following media:

 

"Investing in a home or your education is also a good use of debt-but the education debt has to be thoughtful debt " says Vickie Campbell, a certified financial planner with Ryan Lamontagne in Ottawa . 

And in this new era of slow growth and low interest rates, "the golden rule is still diversification" says Ayana Forward, CFP with Ryan Lamontagne in Ottawa. 

MoneySense, Mark Brown, Julie Cazzin, Romana King & David Thomas
November 2016

How low bond yields, weaker stock returns and longer lives have sabotaged the rules of money. It's time to rewrite the guidelines that planners and investors rely on for saving and spending.

Full text: The New Rules of Money

"There is a four-year rule that would allow you to be considered a first-time home buyer again in 2017, as long as you haven’t occupied a home that you or your current spouse or common-law partner owned in between 2012 to 2016." says Ayana Forward, CFP with Ryan Lamontagne in Ottawa. 

MoneySense, Romana King
September 2016

Q: I bought my house in 2010 using the Home Buyers’ Plan (HBP) and my spousal RRSP account. In 2012, I sold the home. Now, I’m planning on buying another home (in 2016). Am I qualified to use my RRSP through the HBP again? — Using HBP a second time, Edmonton, Alta.

Full text: Am I eligible to use the HBP a second time

" If you are expecting two rather large capital gains on both properties I would recommend spacing the transactions out over two years in order to lower your marginal tax rate. Spacing out the transactions will also offer you some opportunity to defer the taxes owing over potentially three years instead of one. Also be sure to utilize the principal residence exemption on the portion of the apartment building that applies to your living area." says Ayana Forward, CFP with Ryan Lamontagne in Ottawa. 

MoneySense, Romana King
August 2016

Q: We own a cottage and a six-plex, which is where we also live full-time. Now we want to sell the apartment building and maybe the cottage and use the funds to buy a new residence in the city. How can we best structure this transition to minimize the capital gains taxes we will owe? — Liz Kargus, Ont.

Full text: A Strategy to Slash Capital Gains Tax

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Reuters Financial News

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