{"id":8203,"date":"2023-12-01T16:19:08","date_gmt":"2023-12-02T00:19:08","guid":{"rendered":"https:\/\/www.alitis.ca\/wealth-planning\/?p=8203"},"modified":"2024-01-25T10:27:50","modified_gmt":"2024-01-25T18:27:50","slug":"top-5-tfsa-tips","status":"publish","type":"post","link":"https:\/\/www.alitis.ca\/wealth-planning\/insights\/top-5-tfsa-tips\/","title":{"rendered":"Alitis\u2019 Top 5 TFSA Tips"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lkvsacej-27770b3685fca7e5b7cd8d0d2fb4c2b3\">\n#top .av-special-heading.av-lkvsacej-27770b3685fca7e5b7cd8d0d2fb4c2b3{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-lkvsacej-27770b3685fca7e5b7cd8d0d2fb4c2b3 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lkvsacej-27770b3685fca7e5b7cd8d0d2fb4c2b3 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lkvsacej-27770b3685fca7e5b7cd8d0d2fb4c2b3 av-special-heading-h1  avia-builder-el-0  el_before_av_textblock  avia-builder-el-first '><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >5 Important TFSA Tips to Get the Most From Your Wealth Planning<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<section  class='av_textblock_section av-lkvsy15b-ace10a05068026c097566250d97a0767 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-8204\" src=\"https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/white-piggy-bank.jpg\" alt=\"\" width=\"965\" height=\"644\" srcset=\"https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/white-piggy-bank.jpg 965w, https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/white-piggy-bank-300x200.jpg 300w, https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/white-piggy-bank-768x513.jpg 768w\" sizes=\"auto, (max-width: 965px) 100vw, 965px\" \/><\/p>\n<p>Doing little things right over the course of your life can make a big difference to your family\u2019s financial well-being. The benefits of Tax Free Savings Accounts (\u201cTFSAs\u201d) can really add up over time.\u00a0 These accounts wield the potential to significantly augment your savings, acting as a cornerstone for future financial security. Please read below for our Top 5 TFSA Tips.<\/p>\n<h2>Tip #1: TFSAs provide great tax and non-tax benefits to people of all income levels.<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-8205\" src=\"https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/group-of-adults-white-background.jpg\" alt=\"\" width=\"965\" height=\"644\" srcset=\"https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/group-of-adults-white-background.jpg 965w, https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/group-of-adults-white-background-300x200.jpg 300w, https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/group-of-adults-white-background-768x513.jpg 768w\" sizes=\"auto, (max-width: 965px) 100vw, 965px\" \/><\/p>\n<p>While contributions are made to a TFSA with after-tax dollars, these plans are attractive in that the investment growth (interest, dividends and capital gains) accumulates tax-free. Better yet, all this accumulated principal and growth can be paid out tax-free. This rule applies when one makes withdrawals for personal spending or for gifting, and when TFSAs are left to your heirs as part of your estate plan. The other good news is that simply holding a TFSA or withdrawing from one during your lifetime does not negatively impact income-tested benefits and credits, like the Guaranteed Income Supplement, Old Age Security payments (claw back) or the age credit.<\/p>\n<h2>Tip #2: Naming a spouse as the successor holder makes for smart tax and estate planning.<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-8206\" src=\"https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/senior-couple-preparing-veggies.jpg\" alt=\"\" width=\"965\" height=\"644\" srcset=\"https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/senior-couple-preparing-veggies.jpg 965w, https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/senior-couple-preparing-veggies-300x200.jpg 300w, https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/senior-couple-preparing-veggies-768x513.jpg 768w\" sizes=\"auto, (max-width: 965px) 100vw, 965px\" \/><\/p>\n<p>You can designate a spouse as the successor holder for your TFSA in your Will, but an even easier way is to make the successor holder designation right in the plan documentation with help from your Portfolio Manager. By naming your spouse as the successor holder, the TFSA becomes their own upon your death; the assets and investments within the TFSA transfer directly to your spouse\u2019s TFSA without affecting their contribution room. This transfer occurs tax-free, preserving the tax-sheltered status of the investments and allowing them to continue growing tax-free. Since the assets bypass the probate process, it simplifies the transfer of the TFSA funds directly to your spouse without delays or legal complexities. Your spouse gains immediate control over the TFSA and has the flexibility to manage the investments and make contributions or withdrawals according to their financial needs.<\/p>\n<h2>Tip #3: Even if you name a spouse successor holder, you should still name a beneficiary in case the successor holder dies before you.<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-8207\" src=\"https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/parents-with-adult-children.jpg\" alt=\"\" width=\"965\" height=\"644\" srcset=\"https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/parents-with-adult-children.jpg 965w, https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/parents-with-adult-children-300x200.jpg 300w, https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/parents-with-adult-children-768x513.jpg 768w\" sizes=\"auto, (max-width: 965px) 100vw, 965px\" \/><\/p>\n<p>You may also name someone else as a beneficiary (e.g. child, grandchild or sibling) for your TFSA. In this case, the TFSA at your death would be de-registered and those TFSA assets would transfer tax-free to the named beneficiary. Although beneficiaries do not inherit your contribution room, as a spouse can, these beneficiaries can establish their own TFSA from the inherited assets and use their own unused accumulated contribution room. Having a named beneficiary streamlines the estate settlement process, allowing for a quicker transfer of assets outside of the probate process and reducing administrative burdens for your heirs.<\/p>\n<h2>Tip #4: Review with your financial professional the asset composition of all your investment accounts and allocate assets to the TFSA based on your personal situation.<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-8208\" src=\"https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/female-advisor-having-a-meeting.jpg\" alt=\"\" width=\"965\" height=\"644\" srcset=\"https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/female-advisor-having-a-meeting.jpg 965w, https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/female-advisor-having-a-meeting-300x200.jpg 300w, https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/female-advisor-having-a-meeting-768x513.jpg 768w\" sizes=\"auto, (max-width: 965px) 100vw, 965px\" \/><\/p>\n<p>A common practice has been to hold interest-bearing investments inside TFSAs to shelter highly taxed interest income. While this makes logical sense, holding capital gain growth assets in your TFSA may be a good alternative if these assets are planned to be kept and can serve to minimize tax on high growth assets down the road or at the time of death. Also, while Canadian dividends and interest are specifically tax-free in a TFSA, non-Canadian dividends, such as those paid by U.S. stocks, or foreign interest are subject to withholding taxes in a TFSA and there is no way to get these taxes back. RRSPs do not have withholding taxes applied so are better vehicles to hold foreign securities, as are non-registered accounts where you can at least claim foreign tax credits on your income tax return.<\/p>\n<h2>Tip #5: Contribute the newest amount early in the year to maximize the tax benefits of the TFSA.<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-8209\" src=\"https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/2023-2024.png\" alt=\"\" width=\"965\" height=\"644\" srcset=\"https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/2023-2024.png 965w, https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/2023-2024-300x200.png 300w, https:\/\/www.alitis.ca\/wealth-planning\/wp-content\/uploads\/2023\/12\/2023-2024-768x513.png 768w\" sizes=\"auto, (max-width: 965px) 100vw, 965px\" \/><\/p>\n<p>The good news is that the annual TFSA limit has gone up to $7,000<sup>1<\/sup>\u00a0as of January 1, 2024. If you are age 18 and over and a Canadian Resident, you can contribute to a TFSA. The total contribution room available in 2024 for someone who has never contributed and has been eligible for the TFSA since its introduction in 2009 is $95,000. Contributing earlier in the year allows your investments to grow tax-free for a longer duration within the account, as well as, taking advantage of\u00a0<a href=\"https:\/\/www.alitis.ca\/insights\/investing-in-your-retirement-start-now-not-later\/\">compound interest<\/a>.<\/p>\n<\/div><\/section>\n<section  class='av_textblock_section av-lohlrynn-adee4f1679130fe2f9b688c9b9457fab '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2>Contact Us<\/h2>\n<p><span class=\"TextRun SCXW18886405 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW18886405 BCX8\">Schedule a no-obligation, complimentary meeting <\/span><\/span><span class=\"TextRun SCXW18886405 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW18886405 BCX8\">today. Find Alitis Wealth Services in Campbell River at 101-909 Island Highway, in the Comox Valley at 103-695 Aspen Rd., in Victoria at 1480 Fort St., and online at alitis.ca\/wealth-planning. For more information, call 1-800-667-2554 or email info@alitis.ca.<\/span><\/span><span class=\"EOP SCXW18886405 BCX8\" data-ccp-props=\"{\">\u00a0<\/span><\/p>\n<\/div><\/section>\n<div  class='avia-button-wrap av-lohlsi0h-c0c87bc5936809a7e8ea18be2a45d1a5-wrap avia-button-left  avia-builder-el-3  el_after_av_textblock  el_before_av_icon_box '><a href='https:\/\/www.alitis.ca\/wealth-planning\/contact-us\/'  class='avia-button av-lohlsi0h-c0c87bc5936809a7e8ea18be2a45d1a5 av-link-btn avia-icon_select-no avia-size-small avia-position-left avia-color-theme-color'   aria-label=\"Contact Us\"><span class='avia_iconbox_title' >Contact Us<\/span><\/a><\/div>\n<article  class='iconbox iconbox_left av-lnncnh19-af22b70f7bd2eeb686317b98347648b4  avia-builder-el-4  el_after_av_button  avia-builder-el-last '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\" aria-label=\"Icon: \"><div class='iconbox_icon heading-color avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue84e' data-av_iconfont='entypo-fontello'  ><\/div><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><h6><a href=\"https:\/\/www.alitis.ca\/wealth-planning\/disclaimer\/\"><strong><em>Disclaimers and Disclosures<\/em><\/strong><\/a><\/h6>\n<ol>\n<li><em>Mezzetta, Rudy. \u201cTFSA Limit Rises to $7,000 for 2024, Officially.\u201d Investment Executive, 23 Nov. 2023,\u00a0<\/em><a href=\"https:\/\/www.investmentexecutive.com\/news\/industry-news\/tfsa-limit-rises-to-7000-for-2024-officially\/\"><em>investmentexecutive.com\/news\/industry-news\/tfsa-limit-rises-to-7000-for-2024-officially\/<\/em><\/a><em>.<\/em><\/li>\n<\/ol>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article>\n","protected":false},"excerpt":{"rendered":"<p>Tax Free Savings Accounts (\u201cTFSA\u201ds) are one thing whose benefits can really add up over time. Here are our top 5 TFSA tips to keep in mind.<\/p>\n","protected":false},"author":2,"featured_media":8204,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[59],"tags":[],"class_list":["post-8203","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insights"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>5 Important TFSA Tips to Get the Most From Your Wealth Planning<\/title>\n<meta name=\"description\" content=\"Tax Free Savings Accounts (\u201cTFSA\u201ds) are one thing whose wealth planning benefits can add up over time. 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