FHSA Planning
3 guides on fhsa planning for Canadians — newest first.
Newcomer in Ontario with $40K After 3 Years: FHSA + HBP Down-Payment Stack in 2026
Anita landed 3 years ago on Express Entry, earns $85K in Mississauga, and has $40K saved toward a $550K condo. Stacking FHSA + HBP gives her $100K of tax-advantaged withdrawal capacity. Full worked math on...
11 min readProfessional Corporation Owner in Ontario with $40K FHSA: Personal vs Corp-Funded Contribution Decision in 2026
A 35-year-old dentist earning $200K+ through a professional corporation wants to max the $40K FHSA at $8K/year. Salary or dividend to fund it? We model the combined FHSA + RRSP optimization with CPP costs, RRSP room...
11 min readSpousal FHSA Strategy in Saskatchewan with $80K Combined Room: One Spouse Owns, Both Contribute in 2026
A Saskatoon couple where one spouse already owns discovers the non-owner qualifies as a first-time buyer for FHSA. $40K in deductions at Saskatchewan's 47.50% top rate saves roughly $19,000 in household tax.
11 min read