{"id":50731,"date":"2024-03-22T07:41:22","date_gmt":"2024-03-22T11:41:22","guid":{"rendered":"https:\/\/wwwprodaz.fprofessionnels.com\/?p=50731"},"modified":"2024-03-22T09:05:04","modified_gmt":"2024-03-22T13:05:04","slug":"plan-a-sabbatical-and-ensure-equity-between-spouses","status":"publish","type":"post","link":"https:\/\/www.fprofessionnels.com\/en\/plan-a-sabbatical-and-ensure-equity-between-spouses\/","title":{"rendered":"Plan a sabbatical and ensure equity between spouses"},"content":{"rendered":"

The couple’s financial and legal situation<\/h3>\n\n\n\n\n\n\n
<\/td>\nMaeve<\/strong><\/td>\nVincent<\/strong><\/td>\n<\/tr>\n
RRSP account<\/strong><\/td>\n$85,000<\/td>\n$100,000<\/td>\n<\/tr>\n
TFSA account<\/strong><\/td>\n$25,000<\/td>\n$40,000<\/td>\n<\/tr>\n
Pension plan<\/strong><\/td>\nNo<\/td>\nYes<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

    \n
  • The house belongs to Vincent and its current value is approximately $650,000.<\/li>\n
  • There is $300,000 left to pay on the mortgage (20-year amortization).<\/li>\n
  • Neither has life insurance yet.<\/li>\n
  • Neither has a protection mandate or will.<\/li>\n<\/ul>\n

     <\/p>\n

    Points to consider<\/u><\/h4>\n

     <\/p>\n

      \n
    • What happens during the sabbatical<\/strong> in terms of Vincent’s RRSP, TFSA and pension plan contributions, and job seniority?<\/li>\n
    • Could Vincent rent out the house<\/strong> during their absence?<\/li>\n
    • Should Maeve and Vincent sign a cohabitation agreement<\/strong>?<\/li>\n
    • What happens in the event of either spouse’s death<\/strong>?<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

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