But U.S. residents living in Canada may derive a small benefit from tax-free savings accounts
But it appears early contributors are being caught in the same net — and could wrongly face penalties
Pensioners could split interest from GIAs, which technically are deferred annuities
Many clients are moving into the “retirement risk zone” — and they’ll need your help
Spousal plans would provide more income-splitting opportunities and additional flexibility
Using one of these strategies, it is possible to make the $2,000 RRSP overcontribution rule work to your client’s advantage
Uncle Sam doesn’t take kindly to any arrangement designed to evade U.S. taxes