The surtax on a comfortable retirement; how the OAS clawback works, and why your RRIF quietly triggers it
The OAS clawback is a 15% surtax that starts at $95,323 of net income in 2026 — and the RRIF withdrawals you're forced to make can walk you straight into it. Here's the mechanism, and the levers.
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The tax move most Canadian DIYers miss; which account holds which asset
Interest in your RRSP, U.S. dividends out of your TFSA, Canadian dividends in non-reg — asset location is the tax move most Canadian DIYers never make. Here's the map.
Lump sum vs. dollar-cost averaging
We modelled $100,000 deployed lump sum vs. dollar-cost averaging. The difference; $282. The real cost,$64,572, comes from leaving it in cash. Here's why.
How Arthea protects your financial data
Arthea is built so no one, not even us, needs to know who you are. Here's how your financial data is protected, what we don't collect, and where our protections stop.
How Arthea builds and backtests retirement forecasts
We backtested our retirement forecasts against real history — and one landed at the 0th percentile. Here's how the math works, and where it breaks.
The most dangerous number in your retirement plan
A free retirement calculator hands you one clean line to age 95. That single number is the most dangerous part of your plan. Here is why, and how to test for it.