When used as a shuttle, a TFSA’s built-in flexibility can feed into other tax-sheltered plans while also enhancing the TFSA’s own benefits. Columnist Doug Carroll has the details.

Another boost: First-time home buyers have extra incentive to contribute to their RRSPs after the federal government announced it would increase the home buyers’ plan withdrawal limit to $60,000 from $35,000. Rudy Mezzetta has all the details about how clients can build their down payments faster.

Real estate in major centres is proving lucrative for the Canada Revenue Agency. In 2022–2023, the agency identified $426 million in additional tax and penalties related to transactions in the real estate sectors of B.C. and Ontario. Learn more about the CRA’s focus during these audits and the potential penalties.

In this new column, we look at how two professionals benefit from working together — and what you can learn. This edition features financial planner Andrea Thompson and portfolio manager Shiraz Ahmed. Read about their partership and its advantages.

What do you call yourself, and how important is that title or designation? Controversy continues in Ontario over title protection, most recently about an approved credential for the “financial planner” title that is similar to the certified financial planner designation. As other provinces consider their own title protection rules, let me know your take, and how the rules could affect you.