The 401(k) in 2026: Get the Free Money First
Before any clever tax strategy, the 401(k) has one rule that beats them all: capture the full employer match. Here are the 2026 limits and how the account actually works.
Articles / Tax-Advantaged Accounts
Tax-Advantaged Accounts
7 articles
The TFSA in 2026: The Account Most Canadians Should Fill First
The Tax-Free Savings Account is the rare account with no catch: money grows tax-free and comes out tax-free. Here is how the 2026 room works, and the mistakes that cost people.
The Traditional IRA in 2026: The Do-It-Yourself Retirement Account
The IRA is the retirement account you open yourself, no employer required. Here is the 2026 limit, when the deduction is actually allowed, and how it pairs with a 401(k).
The RRSP in 2026: A Tax Deferral, Not a Tax Break
The RRSP gives you a deduction today and taxes you later. That is a loan from your future self, and whether it is a good deal depends entirely on one comparison.
The Roth IRA in 2026: Pay Tax Now, Never Again
The Roth IRA takes after-tax money and never taxes it again, not the growth, not the withdrawals. Here is the 2026 limit, the income phase-out, and the backdoor for high earners.
The FHSA in 2026: The Best of the RRSP and the TFSA
The First Home Savings Account gives you a tax deduction on the way in and tax-free money on the way out. For a first home, that combination is unmatched.
The HSA in 2026: The Only Triple-Tax-Free Account
The Health Savings Account is the only account that is deductible going in, tax-free while it grows, and tax-free coming out. Here is the 2026 limit and the stealth-retirement trick.