My TFSA or FHSA grew past my contribution room. Is there a penalty?
Investment growth, contribution room, and when trading starts to look like a business.
Answered January 29, 2024
When is the deadline for RRSP and TFSA contributions?
The two dates people mix up.
Answered November 26, 2024
I pulled money out of my RRSP to clear debt. What happens at tax time?
Withholding tax versus what you actually owe.
Answered January 5, 2025
What are the pros and cons of holding US stocks in my TFSA?
Withholding tax and why the account matters.
Answered January 19, 2024
I used the Home Buyers' Plan but never moved in. Is that a problem?
Plans changing, and what the CRA looks at.
Answered February 21, 2025
Can I use my RRSP to buy back pension time?
How the transfer works and what it costs you in room.
Answered October 25, 2024
What is the best way to cash in RRSPs to start a business?
Timing, brackets, and better alternatives.
Answered January 16, 2024
Consulting
Talk it through before you decide.
We read the numbers, explain what they mean for the decision in front of you, and show our reasoning so you can push back on it.
Each answer shows the date Clint wrote it, and rules and dollar figures may have changed since. Information current as of 2026. This is general information, not advice for your situation. Tax rules and figures change, so check with us or the CRA before you act on it. Terms