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Category: Retirement Planning

TFSAs aren’t just for short-term savers anymore

February 9, 2019Investing, Retirement Planning, TFSAimport

It’s been a decade since the TFSA was born. It’s grown up quite a bit over that time. By Bryan Borzykowski for MoneySense.ca It was hard to know it at the time, but February 26, 2008 has become one of…

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TFSA or RRSP? 2019

January 19, 2019Investing, Retirement Planning, RRSP, TFSAimport

One of the most common investment questions Canadians ask themselves today is, “Which is better, TFSA or RRSP”? Here’s the good news – it doesn’t have to be an either or choice.  Why not do both? Below are the features…

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Steps to Avoid the OAS Clawback

November 12, 2018Life Stages, Retirement Planningimport

According to the Canadian government website, Old Age Security is the largest pension program in Canada.  OAS pays a monthly income to seniors who are age 65 and over.  The amount of the payment is not based on past income…

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Canada Pension Plan – Should You Take it Early?

July 11, 2018Retirement Planningimport

New Rules governing the Canada Pension Plan took full effect in 2016.  Under these rules, the earliest you can take your CPP Pension is age 60, the latest is 70. The standard question regarding CPP remains the same – should…

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The Importance of Critical Illness Insurance in Retirement Planning

January 20, 2018Critical Illness Insurance, Living Benefits, Retirement Planning, Retirement Planning, RRSPimport

There are a number of obstacles that could potentially de-rail a comfortable retirement. These include marriage breakdown, a stock market crash, and being sued. Another huge obstacle would be the diagnosis of a life threatening critical illness affecting you or…

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Supporting adult children takes its toll on boomers’ retirement plans: survey

February 13, 2017Featured Articles, Retirement Planningimport

As baby boomers approach retirement while their children look for financial help, many are feeling the financial strain. A new TD survey found 62 per cent of boomers can’t save enough for retirement because they’re supporting adult children or grandchildren. Those kids,…

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Retirement – Are you Prepared?

January 17, 2017Investing, Retirement Planningimport

Whether you are decades away from retirement or if it is just around the corner, being aware of the planning opportunities will take the fear and uncertainty out of this major life event. Blue sky your retirement plans to get…

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Boomer + Sandwich Generation + Club Sandwich + Boomerang = Financial Instability

October 19, 2016Critical Illness Insurance, Disability Income Replacement, Estate Planning, Investing, Life Insurance, Life Stages, Living Benefits, Long Term Care, Retirement Planning, Will Planningimport

The Sandwich Generation was a term coined by Dorothy Miller in 1981 to describe adult children who were “sandwiched” between their aging parents and their own maturing children.  There is even a term for those of us who are in…

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Ease Your Retirement Worries with Immediate Annuities

July 10, 2016- Annuities, Investing, Retirement Planningimport

The majority of Canadians work hard to accumulate a retirement fund and many are averse to exposing savings to unnecessary market risk after they retire. In today’s prolonged low interest rate environment, immediate annuities are often dismissed or overlooked as…

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Got an RSP and Turning 71?

December 6, 2014- RRIF, Life Stages, Retirement Planningimport

If you have been accumulating wealth in a Registered Savings Plan and are turning 71 this year or next, you should be aware of the decisions you have to make.  The Income Tax Act says that you have to terminate…

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Recent Posts

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Contact Us

Ong Financial Planning Services Ltd.
John Ong, CFP, CHS, CPCA, CCS
Financial Planner
Tel: (604) 676-1088
Email:

1275 West 6th Avenue 3rd floor
Vancouver, BC
V6H1A6

About

John has been providing financial planning advice for over 15 years. John is currently licensed as a life insurance agent, accident & sickness agent, mutual funds representative*, Financial Planner, Certified Health Insurance Specialist, and Certified Professional Consultant on Aging. He specializes in personal financial planning advice with an emphasis on risk management, estate & retirement planning.
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