How Your Canada Pension Plan (CPP) Impacts Your U.S. Social Security Benefit

Retirement planning is hard enough if you have always lived and worked in the United States.  If you have worked in both Canada and the U.S., retirement planning may seem impossible.  You have to deal with a moving exchange rate, different tax codes, and enough retirement planning acronyms to make you crazy (IRA, RRSP, TFSA, …

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9 Bond ETFs That Will Do Well When Interest Rates Rise

A client called me today because he heard that bonds were going to get crushed and noticed that he had 40% fixed income in his portfolio.  “Get rid of all of these bonds in my portfolio”, was his next request.  I get this request often, as you can’t read or listen to financial news without …

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Michigan Social Security Planning: Surviving Spouse

Making financial decisions shortly after a spouse passes away is very difficult. Especially, if it was the deceased spouse that handled the financials. Still, it is very important that you understand how your social security will change when one spouse passes away. The best time to plan and understand the changes is before your spouse …

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