{"id":7392,"date":"2025-03-01T15:00:02","date_gmt":"2025-03-01T20:00:02","guid":{"rendered":"https:\/\/www.paulrioux.ca\/guide-de-planification-fiscale-et-financiere\/"},"modified":"2026-04-23T17:23:20","modified_gmt":"2026-04-23T21:23:20","slug":"fiscal-and-financial-planning-guide","status":"publish","type":"post","link":"https:\/\/www.paulrioux.ca\/en\/fiscal-and-financial-planning-guide\/","title":{"rendered":"Fiscal and Financial Planning Guide 2024-2025"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row][vc_column][vc_cta h2=&#8221;&#8221; css=&#8221;.vc_custom_1776979398174{padding-top: 28px !important;}&#8221;]\n<h3><strong data-start=\"47\" data-end=\"71\">Section Under Review<\/strong><\/h3>\n<p>This section is currently being updated to reflect the latest tax changes.<\/p>\n<p>The information presented refers to the previous fiscal year and will be revised shortly.<\/p>\n<p>The french version has been completed.[\/vc_cta][vc_column_text css=&#8221;.vc_custom_1747763722616{margin-bottom: 0px !important;}&#8221;]Please find enclosed our updated Fiscal and Planning Guide for 2024-2025, to which we have added a few new topics.<\/p>\n<p>This guide was published for the first time during the 2022-2023 tax season. Each year, we add subjects that are susceptible of interesting our clients, considering the most frequently asked questions. For example, this year we added a section regarding the return on investments and elaborated the Family section (new parental union regime, surrogate mothers).<\/p>\n<p>The Guide contains general information and does not claim to be complete. Readers should consult their financial advisor to determine the appropriate strategies for their personal situation.<\/p>\n<p>To make it easier for you to read, and to help you target topics that may be of interest to you and your family members, the guide is presented by theme, with important concepts highlighted.<\/p>\n<p>Enjoy your reading![\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=&#8221;.vc_custom_1742441794423{margin-bottom: 0px !important;}&#8221;]\n<h3>Table of Content<\/h3>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/2&#8243;][vc_tta_accordion title_tag=&#8221;h4&#8243; section_title_tag=&#8221;p&#8221; style=&#8221;modern&#8221; color=&#8221;white&#8221; active_section=&#8221;&#8221; css_animation=&#8221;none&#8221; collapsible_all=&#8221;true&#8221; el_class=&#8221;customAccordeonGuide&#8221;][vc_tta_section title=&#8221;1. General (under review)&#8221; tab_id=&#8221;general&#8221;][vc_column_text css=&#8221;.vc_custom_1742865962591{margin-bottom: 0px !important;}&#8221;]\n<ul>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/general-charitable-donations\/\">Charitable donations<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/general-medical-expenses\/\">Medical expenses<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/canadian-dental-care-plan-cdcp\/\">Canadian Dental Care Plan (CDCP)<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/general-political-contributions\/\">Political contributions<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/general-digital-news-subscriptions\/\">Digital news subscriptions<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/general-luxury-goods-tax\/\">Luxury goods tax<\/a><\/li>\n<\/ul>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;2. Students (under review)&#8221; tab_id=&#8221;students&#8221;][vc_column_text css=&#8221;.vc_custom_1742445048201{margin-bottom: 0px !important;}&#8221;]\n<ul>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/students-tuition-tax-credit\/\">Tuition tax credit<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/students-tax-credit-for-interest-paid-on-student-loans\/\">Tax credit for interest paid on student loans<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/students-moving-expenses\/\">Moving expenses<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/students-quebec-solidarity-tax-credit-and-gst-tax-credit\/\">Quebec Solidarity tax credit and GST tax credit<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/students-lifelong-learning-plan-llp\/\">Lifelong Learning Plan (LLP)<\/a><\/li>\n<\/ul>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;3. Workers (under review)&#8221; tab_id=&#8221;workers&#8221;][vc_column_text css=&#8221;.vc_custom_1743042505099{margin-bottom: 0px !important;}&#8221;]\n<ul>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/workers-registered-retirement-savings-plan-rrsp\/\">Registered retirement savings plan (RRSP)<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/workers-tax-free-savings-account-tfsa\/\">Tax Free Savings Account (TFSA)<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/workers-tfsa-rrsp\/\">TFSA or RRSP?<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/workers-workers-fund-ftq-csn\/\">Workers&#8217; Fund, FTQ, CSN<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/workers-employment-expenses\/\">Employment expenses<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/workers-canada-training-credit-ctc\/\">Canada training credit (CTC) (25 to 65 years old)<\/a><\/li>\n<\/ul>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;4. Families (under review)&#8221; tab_id=&#8221;families&#8221;][vc_column_text css=&#8221;.vc_custom_1748284914941{margin-bottom: 0px !important;}&#8221;]\n<ul>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/families-childcare-expenses\/\">Childcare expenses<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/families-family-allowance-for-children-2024\/\">Family allowance for children 2024<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/families-tax-credit-for-childrens-activities\/\">Tax credit for children\u2019s activities<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/families-infertility-adoption-surrogate-mother\/\">Interfility, adoption and surrogate mother<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/families-parental-leave\/\">Parental leave<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/families-registered-education-savings-plan-resp\/\">Registered education savings plans (RESPs)<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/families-parental-union\/\">Parental union<\/a><\/li>\n<\/ul>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;5. Future owners (under review)&#8221; tab_id=&#8221;future-owners&#8221;][vc_column_text css=&#8221;.vc_custom_1760557848640{margin-bottom: 0px !important;}&#8221;]\n<ul>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/future-owners-first-time-home-buyers-tax-credit\/\">First-time home buyers\u2019 tax credit<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/future-owners-home-buyers-plan-hbp\/\">Home Buyer\u2019s Plan (HBP)<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/future-owners-tax-free-first-home-saving-account-tffhsa\/\">Tax-Free First Home Saving Account (TFFHSA)<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/future-owners-property-transfer-tax\/\">Property Transfer Tax<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/futurs-proprietaires-assurance-pret-hypothecaire-societe-canadienne-dhypotheque-et-de-logement-schl\/\">Mortgage insurance (Canada Mortgage and Housing Corporation &#8211; CMHC)<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/futurs-proprietaires-remboursements-de-la-taxe-sur-les-produits-et-services-tps-et-de-la-taxe-de-vente-du-quebec-tvq\/\">Goods and Services Tax (GST) and the Quebec Sales Tax (QST) refunds<\/a><\/li>\n<\/ul>\n[\/vc_column_text][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_tta_accordion title_tag=&#8221;h5&#8243; section_title_tag=&#8221;p&#8221; style=&#8221;modern&#8221; color=&#8221;white&#8221; active_section=&#8221;&#8221; collapsible_all=&#8221;true&#8221; el_class=&#8221;customAccordeonGuide&#8221;][vc_tta_section title=&#8221;6. Owners (under review)&#8221; tab_id=&#8221;owners&#8221;][vc_column_text css=&#8221;.vc_custom_1742445287369{margin-bottom: 0px !important;}&#8221;]\n<ul>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/owners-sale-of-a-residence\/\">Sale of a residence<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/owners-quick-resale-of-real-estate-property\/\">Quick resale of real estate property (real estate flip)<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/owners-short-term-rental\/\">Short-term rental (ex: Airbnb)<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/owners-residential-rental-buildings-owners\/\">Residential rental buildings Owner\u2019s(Relev\u00e9 31)<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/owners-tax-credit-for-upgrading-wastewater-treatment\/\">Tax credit for upgrading wastewater treatment systems<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/owners-co-ownership-fees\/\">Co-ownership fees<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/owners-non-canadians\/\">Non-Canadians<\/a><\/li>\n<\/ul>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;7. Investments (under review)&#8221; tab_id=&#8221;investments&#8221;][vc_column_text css=&#8221;.vc_custom_1742445311197{margin-bottom: 0px !important;}&#8221;]\n<ul>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/investments-capital-gains\/\">Capital gains<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/investments-cryptoassets-cryptocurrencies\/\">Cryptoassets (e.g. cryptocurrencies)<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/investments-foreign-property\/\">Foreign property<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/investments-alternative-minimum-tax-amt\/\">Alternative Minimum Tax (AMT)<\/a><\/li>\n<\/ul>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;8. Retirees (under review)&#8221; tab_id=&#8221;retirees&#8221;][vc_column_text css=&#8221;.vc_custom_1742445364306{margin-bottom: 0px !important;}&#8221;]\n<ul>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/retirees-old-age-security-oas\/\">Old age security (OAS)<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/retirees-quebec-pension-plan-qpp\/\">Qu\u00e9bec Pension Plan (QPP)<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/retirees-qpp-pensioner-who-is-still-working-after-age-65\/\">QPP pensioner who is still working after age 65<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/retirees-individual-pension-plans-ipp\/\">Individual Pension Plans (IPP)<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/retirees-registered-retirement-income-fund-rrif\/\">Registered Retirement Income Fund (RRIF)<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/retirees-income-splitting\/\">Income splitting<\/a><\/li>\n<\/ul>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;9. Elders (under review)&#8221; tab_id=&#8221;elders&#8221;][vc_column_text css=&#8221;.vc_custom_1742445130094{margin-bottom: 0px !important;}&#8221;]\n<ul>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/elders-tax-redit-for-home-support-services-for-seniors\/\">Tax Credit For Home-Support Services for seniors (70 years old or more)<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/elders-federal-home-accessibility-tax-credit-and-quebec-independant-living-tax-credit-for-seniors\/\">Federal Home Accessibility Tax Credit (65 and more) and Quebec independent living tax credit for seniors (70 and more)<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/elders-caregivers\/\">Caregivers<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/elders-senior-assistance-tax-credit\/\">Senior assistance tax credit (70 years and more)<\/a><\/li>\n<\/ul>\n[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;10. Disabled persons (under review)&#8221; tab_id=&#8221;disabled-persons&#8221;][vc_column_text css=&#8221;.vc_custom_1742445138084{margin-bottom: 0px !important;}&#8221;]\n<ul>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/disabled-persons-disabled-tax-credit\/\">Disability tax credit<\/a><\/li>\n<li><a href=\"https:\/\/www.paulrioux.ca\/en\/guide\/disabled-persons-registered-disability-savings-plans-rdsp\/\">Registered disability savings plans (RDSP)<\/a><\/li>\n<\/ul>\n[\/vc_column_text][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=&#8221;.vc_custom_1771272052173{margin-bottom: 0px !important;}&#8221;]\n<h3>PDF Versions<\/h3>\n[\/vc_column_text][mk_button dimension=&#8221;two&#8221; corner_style=&#8221;rounded&#8221; size=&#8221;large&#8221; icon=&#8221;mk-icon-file-pdf-o&#8221; url=&#8221;\/wp-content\/uploads\/2025\/04\/prioux-guide-fiscal-and-financial-planning-guide-2024-2025.pdf&#8221; margin_bottom=&#8221;30&#8243;]2024-2025[\/mk_button][mk_button dimension=&#8221;two&#8221; corner_style=&#8221;rounded&#8221; size=&#8221;large&#8221; icon=&#8221;mk-icon-file-pdf-o&#8221; url=&#8221;\/wp-content\/uploads\/2026\/02\/prioux-guide-fiscal-and-financial-planning-guide-2023-2024.pdf&#8221; margin_bottom=&#8221;30&#8243;]2023-2024[\/mk_button][mk_button dimension=&#8221;two&#8221; corner_style=&#8221;rounded&#8221; size=&#8221;large&#8221; icon=&#8221;mk-icon-file-pdf-o&#8221; url=&#8221;\/wp-content\/uploads\/2026\/02\/prioux-guide-fiscal-and-financial-planning-guide-2022-2023.pdf&#8221; margin_bottom=&#8221;30&#8243;]2022-2023[\/mk_button][\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_cta h2=&#8221;&#8221; css=&#8221;.vc_custom_1776979398174{padding-top: 28px !important;}&#8221;] Section Under Review This section is currently being updated to reflect the latest tax changes. The information presented refers to the previous fiscal year and will be revised shortly. The french version has been completed.[\/vc_cta][vc_column_text css=&#8221;.vc_custom_1747763722616{margin-bottom: 0px !important;}&#8221;]Please find enclosed our updated Fiscal and Planning Guide for 2024-2025, to which [&hellip;]<\/p>\n","protected":false},"author":124,"featured_media":8574,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,11],"tags":[],"class_list":["post-7392","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bulletins","category-taxes"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fiscal and Financial Planning Guide 2024-2025 | Paul Rioux CA<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paulrioux.ca\/en\/fiscal-and-financial-planning-guide\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fiscal and Financial Planning Guide 2024-2025 | Paul Rioux CA\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column][vc_cta h2=&#8221;&#8221; css=&#8221;.vc_custom_1776979398174{padding-top: 28px !important;}&#8221;] Section Under Review This section is currently being updated to reflect the latest tax changes. The information presented refers to the previous fiscal year and will be revised shortly. The french version has been completed.[\/vc_cta][vc_column_text css=&#8221;.vc_custom_1747763722616{margin-bottom: 0px !important;}&#8221;]Please find enclosed our updated Fiscal and Planning Guide for 2024-2025, to which [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paulrioux.ca\/en\/fiscal-and-financial-planning-guide\/\" \/>\n<meta property=\"og:site_name\" content=\"Paul Rioux CA\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-01T20:00:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-23T21:23:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paulrioux.ca\/wp-content\/uploads\/2023\/05\/pexels-fauxels-3184292.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Paul Rioux CPA Inc.\" \/>\n<meta name=\"twitter:card\" 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