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Springer Financial

Pre-Retirees

Helping you achieve your retirement goals through accumulation and protection.

Retirees

Ensuring you have enough to enjoy your retirement.

Business Owners

Strategies to help increase your personal cash flow, keep key employees and protect your business.

Executives

Providing executives with exclusive financial benefits.

Disability Insurance

Insure your income while you are young.

Planned Giving

Provide thoughtful & meaningful contributions to your charitable organization.

Latest News from Springer Financial

Five Ways To Withdraw Money From Your Business In A Tax-Efficient Manner

August 1, 2022Rosetta Springer

You have worked long and hard to build up your business, and now you are ready to withdraw money from your business’ bank account. But you don’t want to get hit with a huge tax bill. So here are 5 ways to withdraw money from your business in a tax-efficient manner.

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Financial Planning For Self-Employed Contractors

July 6, 2022Rosetta Springer

Being a self-employed contractor can bring you a large cash flow and the satisfaction of being your own boss – but it can also make financial planning more complicated than being an employee.

When creating a financial plan, Self-employed contractors need to keep a number of items in mind. Read to find out!

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Essential tips and tricks for paying less tax and keeping more of your retirement income

June 3, 2022Rosetta Springer

It’s important to make the most of your retirement income. To do so, you need to be aware of what income is and isn’t taxable, and also how to make the most of the tax breaks you’re entitled to. This article outlines the four main steps you need to take to ensure you keep as much of your retirement income as possible:
1. Make a financial plan.
2. Split your pension income.
3. Buy an annuity.
4. Be aware of retirement-related tax breaks.

Read More

2022 Ontario Budget Highlights

May 3, 2022Rosetta Springer

On April 28, 2022, the Ontario Minister of Finance delivered the province’s 2022 budget. It’s focused on five different pillars:
• Rebuilding the economy.
• Better jobs and bigger paycheques.
• Building highways and critical infrastructure.
• Keeping costs down.
• Investing in health care.
Budget 2022 includes no changes to personal or corporate tax rates.

Read More

2022 Federal Budget Highlights

April 8, 2022Rosetta Springer

On April 7, 2022, the Federal Government released their 2022 budget. Our article contains highlights of the various financial measures in this budget, divided into these sections:
• Housing
• Alternative minimum tax
• Dental care
• Small businesses
• Tradespeople
• Canada Growth Fund
• Climate
• Bank and insurer taxes

Read More

2021 Income Tax Year Tips

April 1, 2022Rosetta Springer

It’ll be time to file your 2021 taxes soon, and you must take advantage of every tax credit and deduction that you can. Our article includes information on a variety of subjects you need to know about, including what to do if you’ve had to repay COVID-19 benefits, how to plan ahead if you’re self-employed or retiring soon, and what you need to know if you have a home office or employer-provided benefits.

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Retirement Planning for Business Owners – Checklist

April 1, 2022Rosetta Springer

As a business owner, one of your challenges is learning how to balance between reinvesting into the business and setting money aside for personal savings. Since there are no longer employer-sponsored pension plans and the knowledge that retirement will come eventually, it’s important to have a retirement plan in place.

We’ve put together an infographic checklist that can help you get started on this.

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Permanent versus Term Life Insurance – What are the Differences?

March 3, 2022Rosetta Springer

You know you need life insurance – but you’re not sure which kind is best for you. There are two main kinds of life insurance:
• Permanent, which lasts for your entire life. Premiums can be more expensive, but you can also use the policy to build up cash value.
• Term, which is only good for a set amount of time. Premiums are less expensive, and you cannot build up cash value – but coverage is easy to get and understand.
We can help you determine which type of insurance is best for you and how much it will cost you.

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TFSA versus RRSP – What you need to know to make the most of them in 2022

February 1, 2022Rosetta Springer

TFSAs and RRSPs can be significant savings vehicles. To help you understand their differences, we have put together this article to compare:

– TFSA versus RRSP – Differences in deposits
– TFSA versus RRSP – Differences in withdrawals

Understanding the differences between these two types of tax-advantaged accounts can help you better plan for future purchases and your eventual retirement.

Read More

2022 Financial Calendar

January 4, 2022Rosetta Springer

Looking for an “at a glance” document covering all the important dates you need to know to stay on track with your financial planning in 2022?

Our 2022 financial calendar (which you can easily bookmark or print out) makes sure you’re always in the loop! It lists important dates, including:

• Payments dates for the Canada Child Benefit, CPP, OAS, and the GST/HST credit.
• When TFSA contribution room starts again.
• Tax filing deadlines.
• Charitable contribution deadlines and the last day to contribute to registered investment accounts.
• When the Bank of Canada interest rate announcements are.

Read More

Contact Us

Springer Financial
Rosetta Springer
Financial Advisor

647-993-8236
info@rosettaspringer.com

707 St. Clair Avenue Suite 520
Toronto, Ontario
M6C 4A1

Latest News

  • Five Ways To Withdraw Money From Your Business In A Tax-Efficient Manner
  • Financial Planning For Self-Employed Contractors
  • Essential tips and tricks for paying less tax and keeping more of your retirement income
  • 2022 Ontario Budget Highlights
  • 2022 Federal Budget Highlights

About

Clients are always surprised at the simplicity of my financial solutions. In my experience, the real challenge lies in seeing the big picture and analyzing all the working parts. By delivering an approachable plan, I help my clients clarify the path to their goals. I feel lucky to do this work; I get to help people from all walks of life that are doing well in the world.

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