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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

Federal Budget 2023 Highlights

March 29, 2023Rosetta Springer

On March 28, 2023, the Federal Government released their 2032 budget. This article highlights the following financial measures:

• New transfer options associated with Bill C-208 for intergenerational transfer.
• New rules for employee ownership trusts.
• Changes to how the Alternative Minimum Tax is calculated.
• Improvements to Registered Education Savings Plans.
• Expanding access to Registered Disability Savings Plans.
• Grocery rebate.
• Deduction for tradespeople tool expenses.
• Automatic tax filing.
• New Canadian Dental Care Plan.

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Ontario 2023 Budget Highlights

March 24, 2023Rosetta Springer

On March 23, 2023, the Ontario Minister of Finance delivered the province’s 2023 budget. Our article covers the highlights as follows:

• Corporate tax credits.
• Indirect tax changes.
• Increased healthcare options.
• Supporting communities.
• Supporting the economy and infrastructure.

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Financial Advice for Business Owners

March 3, 2023Rosetta Springer

We can help you determine where you are today financially and where you want to go. We can provide you guidance on how to reach your short, medium and long term financial goals.

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TFSA versus RRSP – What you need to know to make the most of them in 2023

February 2, 2023Rosetta Springer

When looking to save money in a tax-efficient manner, Tax-Free Savings Accounts (TFSA) and Registered Retirement Savings Plans (RRSP) can offer significant tax benefits. The main difference between the two is that TFSAs are ideal for short-term goals, such as saving for a down payment on a house or a vacation, as its growth is entirely tax-free, while RRSPs are more suitable for long-term goals such as retirement. When comparing deposit differences, TFSAs have a limit of $6,500 for the current year, while RRSPs have a limit of 18% of your pre-tax income from the previous year, with a maximum limit of $30,780. In terms of withdrawals, TFSAs have no conversion requirements and withdrawals are tax-free, while RRSPs must be converted to a Registered Retirement Income Fund (RRIF) at age 71 and withdrawals are taxed as income.

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2023 Financial Calendar

January 2, 2023Rosetta Springer

Welcome to our 2023 financial calendar! This calendar is designed to help you keep track of important financial dates and deadlines, such as tax filing and government benefit distribution. You can bookmark this page for easy reference or add these dates to your personal calendar to ensure you don’t miss any important financial obligations.

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2022 Year End Tax Tips and Strategies for Business Owners

December 6, 2022Rosetta Springer

The end of 2022 is quickly approaching – which means for business owners, it’s time to review tax tips and strategies to maximize your benefits.

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2022 Personal Year-End Tax Tips

December 5, 2022Rosetta Springer

The end of 2022 is quickly approaching – which means it’s time to get everything in order, so you’re ready when it comes time to file your taxes.

We’ve broken this article into the following sections to make it easy to find the tax tips you’re looking for:

• Investment considerations, including how to best contribute to TFSAs, RRSPs, and RDSPs.
• Families, including how to claim childcare expenses and make the most of RESPs.
• Retirees, including essential details about applying for CPP and OAS.

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Keep On Track With Your Christmas Spending

December 2, 2022Rosetta Springer

Do you have trouble sticking to a Christmas spending plan? We’ve got some great tips to help you stay on track while still having fun and sharing Christmas joy!

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Life Insurance after 60- is it necessary?

November 1, 2022Rosetta Springer

You may have had life insurance for as long as you can remember. You knew it was important to make sure that your family would be taken care of and be able to pay their bills if anything happened to you.

But now that you’re over 60, your children are grown, and your mortgage is paid off, you may feel you don’t need life insurance anymore. However, there are some circumstances under which it may still make sense for you to have life insurance:

• You still have substantial debt.
• You have dependent children or grandchildren.
• You want to be able to leave a financial legacy.

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The Six Steps to Financial Planning

September 1, 2022Rosetta Springer

A certified financial planner is trained to focus on all aspects of your finances – everything from your taxes to retirement savings.

The six steps to financial planning are:
• Meeting your financial planner
• Determining your goals and expectation
• Reviewing your current financial state
• Developing a financial plan
• Implementing a financial plan
• Monitoring the plan

A certified financial planner will develop a plan that works for you both today and in the future.

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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

  • Federal Budget 2023 Highlights
  • Ontario 2023 Budget Highlights
  • Financial Advice for Business Owners
  • TFSA versus RRSP – What you need to know to make the most of them in 2023
  • 2023 Financial Calendar

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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