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Category: Blog

Don’t lose all your hard-earned money to taxes

May 1, 2023Blog, taxRosetta Springer

It’s essential to manage your tax planning properly – both while you are living and for after your death. You want as much of your money as possible to go to your beneficiaries, not the government. Our article contains three tips to help you do that:
1. Learn how to make the most of the lifetime capital gains exemption.
2. Figure out ways to decrease your end-of-life tax bill.
3. Look into Immediate Financing Arrangements.

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Tax Tips You Need To Know Before Filing Your 2022 Taxes

April 3, 20232023, Blog, disability, taxRosetta Springer

It’ll be time to file your 2022 taxes soon, and you must take advantage of every tax credit and deduction you can! Our article covers the following:

• Canada Workers Benefit.
• Claiming home office expenses.
• The tax deduction for zero-emissions vehicles.
• Return Of Fuel Charge Proceeds To Farmers Tax Credit.
• Eligible Educator School Supply Tax Credit.

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Why A Buy-Sell Agreement Is Vital For Your Business

April 1, 2023Blog, Business Owners, Buy SellRosetta Springer

A buy-sell agreement is a legally binding document that sets out what must happen to a business if one or more of the owners is no longer involved. It is crucial for businesses as it protects both shareholders and the business itself in the event of a partner’s departure. A buy-sell agreement provides many benefits, including maintaining business continuity, minimizing disputes between remaining co-owners and the family of the departing owner, decreasing stress and uncertainty for all business owners, and protecting business assets and liquidity with a solid financial and tax plan.

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Federal Budget 2023 Highlights

March 29, 20232023, Blog, Business Owners, dental benefits, Family, Financial Planning, individualsRosetta 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, 2023Blog, Business Owners, individuals, Ontario Only, taxRosetta 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, 2023Blog, Business Owners, Estate Planning, Family, individuals, RetireesRosetta 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, 20232023, Blog, RRSP, Tax Free Savings AccountRosetta 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, 20232023, Blog, Financial Planning, Retirement, RRSP, Tax Free Savings AccountRosetta 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, 20222022, 2022 Only, Blog, Business Owners, Financial Planning, taxRosetta 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, 20222022 Only, Blog, individualsRosetta 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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Recent Posts

  • Don’t lose all your hard-earned money to taxes
  • Tax Tips You Need To Know Before Filing Your 2022 Taxes
  • Why A Buy-Sell Agreement Is Vital For Your Business
  • Federal Budget 2023 Highlights
  • Ontario 2023 Budget Highlights

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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

  • Don’t lose all your hard-earned money to taxes
  • Tax Tips You Need To Know Before Filing Your 2022 Taxes
  • Why A Buy-Sell Agreement Is Vital For Your Business
  • Federal Budget 2023 Highlights
  • Ontario 2023 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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