Severance Planning
263 guides on severance planning for Canadians — newest first.
Laid Off in Ontario? The 6-Step Severance, RRSP + Pension Checklist for 2026 ($210K Example)
The decision sequence after an Ontario layoff: common-law check before signing, lump sum vs continuance, the January year-split, s. 60(j.1) rollover, pension options, and 2026’s suspended EI allocation — with a $210K worked example.
12 min readFederal Public Service Severance 2026: 52-Week TSM, WFA Options + PSSA Pension Choice by Age
Laid off under workforce adjustment in 2026? What Options A, B and C actually pay — up to 52 weeks' TSM plus layoff severance — the two-year tax split, your PSSA pension by age, and the EI window closing October 10.
12 min readLaid Off From a Bank, Airline or Telecom? Canada Labour Code Severance + s.240 Leverage (2026)
Banks, telecom, airlines and rail fall under the Canada Labour Code, not Ontario's ESA. What s.235 severance (2 days/year), s.230 notice and the s.240 unjust-dismissal lever are worth in 2026.
12 min readEI Best Weeks Calculation 2026: How the 14-22 Divisor Sets Your Weekly Payment (Up to $729)
Service Canada averages your best 14-22 weeks of insurable earnings, divides by the regional divisor, and pays 55% — up to $729/week in 2026. The full divisor table, current regional numbers, and worked math.
10 min readEI Sickness Benefits 2026: Your Exact Weekly Amount by Salary ($729 Max, 26 Weeks)
EI sickness benefits pay 55% of your earnings up to $729 a week in 2026, for up to 26 weeks. Your exact weekly amount by salary, the 600-hour rule, the 28-day payment timeline, and what to do when the weeks run out.
11 min readEI Maximum Insurable Earnings 2026: $68,900 Cap, $729 Weekly Max + $1,123.07 Premium Ceiling
The 2026 EI maximum insurable earnings is $68,900 — capping weekly benefits at $729 and employee premiums at $1,123.07 ($895.70 in Quebec). What the new cap costs you, pays you, and the replacement-rate cliff above it.
11 min readEI Maternity & Parental Maximum Weekly Amount 2026: $729 Standard, $437 Extended (By Salary)
EI maternity and standard parental benefits max out at $729 per week in 2026; extended parental caps at $437. Your exact weekly amount by salary, the 600-hour rule, and the standard-vs-extended math at the cap.
11 min readEI Benefits by Province 2026: How Regional Rates Change Your Cheque
EI pays the same $728/week maximum in every province — but your region's unemployment rate decides whether you qualify at 420 hours or 700, and whether you collect for 14 weeks or 45. The provincial math, worked...
11 min readEI Maximum Weekly Benefit 2026: Your Exact Amount by Insurable Earnings (Calculator)
The 2026 EI maximum weekly benefit is $728, from a $68,900 maximum insurable earnings ceiling at the 55% benefit rate. Here is the exact calculation, your weekly amount by income at $40K, $52K, and $68,900+, and how...
11 min readSeverance Minimums by Province 2026: Employment-Standards Compared
Statutory severance minimums differ by province — but for a typical $100K package, the tax bracket your package lands in and the RRSP rollover you use decide your net pay far more than which province legislates the most...
11 min readConstruction Layoff Severance Calculator 2026 Canada: Your Exact Number by Income, Age, and Province
Construction worker laid off in Canada 2026? Calculate your exact severance entitlement, tax on lump sum vs salary continuance, EI benefit, and RRSP shelter savings. Built for $75K trades and site workers.
11 min readConstruction Worker $350K Severance Canada 2026: The Real Tax + Decision Walk-Through
Construction worker with $350K severance in Canada 2026? Step-by-step tax walk-through shows lump sum vs salary continuance vs RRSP deferral \u2014 the structuring decision swings your after-tax outcome by...
14 min readEducation Layoff Severance Canada 2026: Lump Sum vs Installment vs Deferral — Which Saves More on $500K?
Education worker with $500K severance in Canada 2026? Lump sum vs salary continuance vs deferral compared side-by-side. The right structure saves $60,000–$90,000 in tax on a senior educator profile.
12 min readFinance Layoff Severance Calculator 2026 Canada: Your Exact Number by Income, Age, and Province
Finance sector layoff with $180K salary in 2026? The structure you choose changes the after-tax outcome by $15,000\u201330,000. Calculate your exact number by province, compare lump sum vs salary continuance, and see...
11 min readFinance Worker With $75K Layoff Severance in Canada (2026): The Real Tax + Decision Walk-Through
Finance worker with $75K severance in Canada 2026? Step-by-step tax walk-through for bank analysts, accountants, and compliance staff — lump sum vs salary continuance vs RRSP shelter, with the federal regulation wrinkle...
11 min readHealthcare Worker With $350K Layoff Severance in Canada (2026): The Real Tax + Decision Walk-Through
Healthcare layoff with $350K severance in Canada 2026? Walk through the real tax math: lump sum vs salary continuance, HOOPP/OMERS pension timing, RRSP shelter, EI rules. The right structure saves $35,000–$55,000.
11 min readMining Layoff Severance Canada 2026: Lump Sum vs Installment vs Deferral — Which Saves More on $500K?
Mining worker with $500K severance in Canada 2026? Side-by-side comparison of lump sum vs salary continuance vs RRSP deferral — the structuring decision swings your after-tax outcome by $80,000–$120,000. Covers Alberta...
13 min readOil and Gas Layoff Severance Canada 2026: Lump Sum vs Installment vs Deferral — Which Saves More on $220K?
Oil and gas worker with $220K severance in Canada 2026? Side-by-side comparison of lump sum vs salary continuance vs RRSP deferral — worked tax math for Alberta, Saskatchewan, BC, and Ontario.
12 min readPublic Sector Layoff Severance Canada 2026: Lump Sum vs Installment vs Deferral \u2014 Which Saves More on $120K?
Public sector worker with $120K severance in Canada 2026? Side-by-side comparison of lump sum vs salary continuance vs RRSP deferral \u2014 worked tax math for federal and provincial government employees, with the...
12 min readEducation Worker Layoff Severance Canada 2026: The Decision Tree With Real $220K Numbers
Education worker with $220K severance in Canada 2026? Decision tree walks through lump sum vs salary continuance vs RRSP deferral \u2014 worked tax math shows a $22,000\u201340,000 swing depending on the branch you...
13 min readShould Mining Worker Mining Layoff Severance in Canada (2026)? The Decision Tree With Real $120K Numbers
Mining worker laid off in Canada 2026? Walk through the decision tree on a $120K severance — lump sum vs continuance, RRSP shelter, EI timing, and provincial tax math. Real worked examples.
12 min readPublic Sector Layoff Severance in Canada (2026): The Decision Tree With Real $220K Numbers
Public sector layoff with $220K severance in Canada 2026? Follow this decision tree: federal vs provincial jurisdiction, lump sum vs salary continuance, DB pension commuted value, RRSP shelter. The right path saves...
12 min readRetail Worker Layoff Severance Canada 2026: The Decision Tree With Real $500K Numbers
Retail worker with $500K severance in Canada 2026? Decision tree for lump sum vs salary continuance vs RRSP shelter — worked tax math by province for store managers, district managers, and corporate retail.
13 min readTech Worker With $180K Tech Layoff Severance in Canada (2026): The Real Tax + Decision Walk-Through
Tech worker laid off in Canada 2026 with $180K severance? Step-by-step tax walk-through — lump sum vs salary continuance, RRSP shelter, EI timing, and provincial tax math with real worked numbers.
13 min readAuto Manufacturing Layoff Severance Calculator 2026 Canada: Your Exact Number by Income, Age, and Province
Laid off from auto manufacturing with $180K severance in 2026? The structure you choose changes the after-tax outcome by $25,000\u201335,000. Calculate your exact number by province, compare lump sum vs salary...
11 min readAuto Manufacturing Layoff Severance in Canada 2026: The Real Tax + Decision Walk-Through on $75K
Auto manufacturing layoff with $75,000 severance in 2026? The structure you choose changes the after-tax outcome by $8,000\u201314,000. Walk through every decision \u2014 lump sum vs salary continuance vs RRSP shelter...
12 min readConstruction Worker With $180K Severance in Canada 2026: The Real Tax + Decision Walk-Through
Construction layoff with $180,000 severance in 2026? The structure you choose changes the after-tax outcome by $18,000\u201328,000. Walk through the real tax math \u2014 lump sum vs salary continuance vs RRSP shelter...
12 min readFinance Worker With $350K Finance Layoff Severance in Canada (2026): The Real Tax + Decision Walk-Through
Finance layoff with $350K severance in Canada 2026? Walk through the real tax math: lump sum vs continuance, RRSP shelter, EI timing, and CLC vs common-law entitlement \u2014 with dollar figures by province. The gap...
14 min readHealthcare Layoff Severance Calculator 2026 Canada: Your Exact Number by Income, Age, and Province
Laid off from healthcare with $62,500 severance in 2026? The structure you choose changes the after-tax outcome by $5,000\u201312,000. Calculate your exact number by province, compare lump sum vs salary continuance, and...
12 min readMining Layoff Severance Canada 2026: Lump Sum vs Installment vs Deferral — Which Saves More on $220K?
Mining layoff with $220,000 severance in 2026? The structure you choose changes the after-tax outcome by $22,000\u201334,000. Compare lump sum vs salary continuance vs RRSP deferral side by side \u2014 with dollar...
13 min readOil and Gas Layoff Severance Canada 2026: Lump Sum vs Installment vs Deferral — Which Saves More on $120K?
Laid off from oil and gas with $120K severance in 2026? Lump sum vs salary continuance vs RRSP deferral compared side by side. The structure you choose changes the after-tax outcome by $18,000\u201322,000. Here is the...
12 min readPublic Sector Layoff Severance Canada 2026: Lump Sum vs Installment vs Deferral — Which Saves More on $500K?
Public sector layoff with $500K severance in Canada 2026? Compare lump sum vs salary continuance vs RRSP deferral — real tax math by province, federal vs provincial employee rules, and the structure that saves...
13 min readRetail Layoff Severance Canada 2026: Lump Sum vs Installment vs Deferral — Which Saves More on $120K?
Retail layoff with $120,000 severance in 2026? The structure you choose changes the after-tax outcome by $12,000\u201322,000. Compare lump sum vs salary continuance vs RRSP deferral with real dollar outcomes at each...
13 min readEducation Worker Layoff Severance in Canada 2026: The Decision Tree With Real $120K Numbers
Laid off from education with $120,000 severance in 2026? The structure you choose changes the after-tax outcome by $12,000\u201320,000. Walk the decision tree \u2014 lump sum vs salary continuance vs RRSP shelter \u2014...
11 min readOil and Gas Layoff Severance in Canada 2026: The Decision Tree With Real $500K Numbers
Oil and gas layoff with $500,000 severance in 2026? The structure you choose changes the after-tax outcome by $55,000\u201380,000. Walk the decision tree \u2014 lump sum vs salary continuance vs RRSP shelter \u2014 with...
13 min readShould Retail Worker Retail Layoff Severance in Canada (2026)? The Decision Tree With Real $220K Numbers
Retail layoff with $220K severance in Canada 2026? Walk through the decision tree: lump sum vs continuance, RRSP shelter, EI timing, and ESA vs common-law entitlement \u2014 with real tax numbers by province. The gap...
12 min readTech Layoff Severance Calculator 2026 Canada: Your Exact Number by Income, Age, and Province
Tech layoff with $350K severance in 2026? The structure you choose changes the after-tax outcome by $40,000\u201360,000. Calculate your exact number by province, compare lump sum vs salary continuance, and see how RRSP...
12 min readTech Worker With $75K Layoff Severance in Canada (2026): The Real Tax + Decision Walk-Through
Laid off from a Canadian tech company with $75K severance? The difference between lump sum and salary continuance is $14K+ in tax. Step-by-step tax math for a $130K developer, plus the EI timing trap and RRSP shelter...
11 min readAuto Manufacturing Worker With a $75K Severance in ON (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
An Ontario auto manufacturing worker with $75,000 in severance faces roughly $14,600 in tax on the severance alone if the full amount lands as a lump sum on top of partial-year salary — pushing $51,000 of income past...
12 min readConstruction Worker With a $180K Severance in ON (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
An Ontario construction worker with $180,000 in severance faces an $80,700+ tax bill if the full amount lands as a lump sum on top of partial-year salary — pushing $123,000 of income into the 37.91–51.97% brackets....
13 min readEducation Worker With a $120K Severance in ON (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
An Ontario education worker with $120,000 in severance faces a $45,800+ tax bill if the full amount lands as a lump sum on top of partial-year salary — pushing $50,000 of income into the 37.91–44.97% bracket. Salary...
12 min readEducation Worker With a $500K Severance in ON (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
An Ontario education worker with $500,000 in severance faces roughly $249,000 in additional tax if the full amount lands as a lump sum on top of partial-year salary \u2014 parking $327,000 of income above $253K at...
14 min readFinance Worker With a $180K Severance in ON (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
An Ontario finance worker with $180,000 in severance faces roughly $54,000 in additional tax if the full amount lands as a lump sum on top of partial-year salary — pushing $72,000 of income past the $173K threshold into...
13 min readFinance Worker With a $350K Severance in ON (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
A Toronto finance professional with $350,000 in severance faces a $177,000 tax bill if the full amount lands as a lump sum. Salary continuance across two calendar years saves $35,000–$49,000 in tax. Here's the full...
12 min readHealthcare Worker With a $350K Severance in ON (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
An Ontario healthcare worker with $350,000 in severance faces roughly $167,000 in additional tax if the full amount lands as a lump sum on top of partial-year salary — parking $167,000 of income above $253K at Ontario's...
14 min readHealthcare Worker With a $75K Severance in ON (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
An Ontario healthcare worker with $75,000 in severance faces a $24,600+ tax bill if the full amount lands as a lump sum on top of partial-year salary. Salary continuance across two calendar years saves $4,000–$8,000 in...
11 min readMining Worker With a $220K Severance in ON (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
An Ontario mining worker with $220,000 in severance faces a $107,000+ tax bill if the full amount lands as a lump sum on top of partial-year salary — pushing $32,000 of income past the $253K threshold into Ontario's top...
14 min readOil and Gas Worker With a $500K Severance in ON (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
An Ontario oil and gas professional with $500,000 in severance faces a $276,000+ tax bill if the full amount lands as a lump sum on top of partial-year salary — pushing $347,000 of income past the $253K threshold into...
14 min readPublic Sector Worker With a $220K Severance in ON (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
An Ontario public sector worker with $220,000 in severance faces roughly $93,500 in additional tax if the full amount lands as a lump sum on top of partial-year salary — pushing $104,500 of income past the $173K...
14 min readPublic Sector Worker With a $500K Severance in ON (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
An Ontario public sector worker with $500,000 in severance faces a $251,000+ tax bill if the full amount lands as a lump sum. Salary continuance across four calendar years saves $55,000–$75,000 in tax — and over...
13 min readRetail Worker With a $120K Severance in ON (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
An Ontario retail worker with $120,000 in severance faces roughly $29,400 in additional tax if the full amount lands as a lump sum on top of partial-year salary — pushing $44,000 of income past the $112K threshold into...
12 min readTech Worker With a $350K Severance in ON (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
An Ontario tech worker with $350,000 in severance faces a $190,000+ tax bill if the full amount lands as a lump sum on top of partial-year salary — pushing $187,000 of income past the $253K threshold into Ontario's top...
14 min readRetail Worker with a $220K Severance in ON (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
On $220,000 of severance in Ontario, the structure decision — lump sum vs salary continuance — creates a $25,000–$35,000 tax difference. Add EI timing and the RRSP shelter play, and you are looking at $30,000+ of total...
14 min readManitoba Auto Sector Worker with a $280K Severance in MB (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
On $280,000 of severance in Manitoba, the structure decision — lump sum vs salary continuance — creates a $25,000–$35,000 tax difference. Add EI timing and the RRSP shelter play, and you are looking at $30,000+ of total...
15 min readManitoba Tech Worker with a $220K Severance in MB (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
On $220,000 of severance in Manitoba, the structure decision — lump sum vs salary continuance — creates a $20,000–$30,000 tax difference. Add EI timing and the RRSP shelter play, and you are looking at $25,000+ of total...
14 min readNewfoundland Auto Sector Worker with a $280K Severance in NL (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
On $280,000 of severance in Newfoundland, the structure decision — lump sum vs salary continuance — creates a $35,000–$42,000 tax difference. Add EI timing and the RRSP shelter play, and you are looking at $38,000+ of...
13 min readNewfoundland Federal Employee with a $350K Severance in NL (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
On $350,000 of severance in Newfoundland, the structure decision — lump sum vs salary continuance — creates a $42,000–$52,000 tax difference. Add EI timing, the RRSP shelter play, and the federal pension bridge, and you...
14 min readPEI Auto Sector Worker with a $280K Severance in PE (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
On $280,000 of severance in PEI, the structure decision — lump sum vs salary continuance — creates a $30,000–$38,000 tax difference. Add EI timing and the RRSP shelter play, and you are looking at $34,000+ of total...
14 min readPEI Federal Employee with a $350K Severance in PE (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
On $350,000 of severance in PEI, the structure decision — lump sum vs salary continuance — creates a $40,000–$50,000 tax difference. Add EI timing and the RRSP shelter play, and you are looking at $45,000+ of total...
15 min readPEI Tech Worker with a $220K Severance in PE (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
On $220,000 of severance in PEI, the structure decision — lump sum vs salary continuance — creates a $24,000–$32,000 tax difference. Add EI timing and the RRSP shelter play, and you are looking at $28,000+ of total...
13 min readNew Brunswick Auto Sector Worker with a $280K Severance in NB (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
On $280,000 of severance in New Brunswick, the structure decision — lump sum vs salary continuance — creates a $35,000–$45,000 tax difference. Add EI timing and the RRSP shelter play, and you are looking at $40,000+ of...
13 min readNew Brunswick Federal Employee with a $350K Severance in NB (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
On $350,000 of severance in New Brunswick, the structure decision — lump sum vs salary continuance — creates a $45,000–$55,000 tax difference. Add EI timing and the RRSP shelter play, and you are looking at $50,000+ of...
14 min readNew Brunswick Tech Worker with a $220K Severance in NB (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
On $220,000 of severance in New Brunswick, the structure decision — lump sum vs salary continuance — creates a $25,000–$35,000 tax difference. Add EI timing and the RRSP shelter play, and you are looking at $30,000+ of...
12 min readNewfoundland Tech Worker with a $220K Severance in NL (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
On $220,000 of severance in Newfoundland, the structure decision — lump sum vs salary continuance — creates a $28,000–$35,000 tax difference. Add EI timing and the RRSP shelter play, and you are looking at $30,000+ of...
12 min readNova Scotia Auto Sector Worker with a $280K Severance in NS (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
On $280,000 of severance in Nova Scotia, the structure decision — lump sum vs salary continuance — creates a $35,000–$45,000 tax difference. Add EI timing and the RRSP shelter play, and you are looking at $50,000+ of...
13 min readNova Scotia Federal Employee with a $350K Severance in NS (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
On $350,000 of severance in Nova Scotia, the structure decision — lump sum vs salary continuance — creates a $45,000–$55,000 tax difference. Add EI timing and the RRSP shelter play, and you are looking at $60,000+ of...
14 min readNova Scotia Tech Worker with a $220K Severance in NS (2026): Lump Sum vs Salary Continuance Tax Math + EI Timing
On $220,000 of severance in Nova Scotia, the structure decision — lump sum vs salary continuance — creates a $28,000–$35,000 tax difference. Add EI timing and the RRSP shelter play, and you are looking at $40,000+ of...
12 min readCanada EI Benefits 2026: T4E Impact on a 57-Year-Old Ontario Auto Worker's Tax Return — Clawback Threshold, RRSP Room Left, and Whether to Repay Voluntarily Before April 30
Detailed scenario analysis for Canadian financial planning in 2026.
14 min readEI Benefits in Canada 2026 for Newcomers: Qualifying Hours, Whether Foreign Work History Counts, and the One-Week Waiting Period Nobody Explains
Detailed scenario analysis for Canadian financial planning in 2026.
14 min readAlberta Oil Patch Worker Laid Off in 2026 with $95,000 Severance and 820 Insurable Hours: EI Waiting Period, Severance Allocation, and Whether an RRSP Contribution Before Filing Saves $9,200
Service Canada allocates $95,000 of severance across 56 weeks before EI starts. But contributing $22,000 to the RRSP before filing saves $9,200 in tax — and the saving is independent of the EI delay. Full worked model...
12 min readNova Scotia Tech Worker with a $220K Severance Decision in 2026: Tax Optimization + EI Timing for Atlantic Canada
A Halifax developer faces Nova Scotia's ~54% top marginal rate on a $220,000 severance. The difference between lump sum and salary continuance is $28,000-$35,000 in tax. Here's the full decision framework with RRSP...
12 min readCalgary Oil & Gas Engineer with a $200K Severance Package in 2026: RRSP Rollover Math + Tax-Efficient Deployment
A senior reservoir engineer in Calgary takes a $200,000 severance lump sum after 22 years of service. The Alberta tax math hits 48% on the top dollar, the retiring allowance RRSP rollover does not apply for service...
13 min readEI Regular Benefits in Ontario vs BC in 2026: How the Same $85,000 Salary Triggers Different Insurable Hours Thresholds, Weekly Maximums, and T4E Clawback Exposure
Two 44-year-olds earning $85,000 laid off in Q1 2026 — one in Toronto, one in Vancouver. Same salary, different EI regions, different outcomes. The full comparison.
12 min readFederal Government Employee Laid Off in 2026 with $150K Severance + Public Service Pension Bridge: PSPP Math + Tax-Optimized Deployment
Catherine MacLeod is 53, has 27 years of PSPP service, and just got handed a $150,000 severance and a workforce-adjustment letter. She has three pension options, a bridge benefit that disappears at 65, and an Ontario...
13 min readMontreal Tech Worker Laid Off with $90K Severance in Quebec 2026: QPIP vs EI Comparison + Quebec Tax-Optimized Deployment
Marc Tremblay, 39, gets a $90,000 severance from a Montreal SaaS company after 12 years. Quebec’s 37.12% marginal bracket eats more of the severance than most laid-off workers expect, QPIP doesn’t cover job loss, and EI...
13 min readToronto Tech Worker Laid Off at 42 with $120K Severance in 2026: Invest vs Spend the Lump Sum — Tax-Optimized Deployment
Sarah Chen, 42, walks out of her senior PM role with $120,000 in severance. Her employer wires $84,000 after 30% federal withholding. Whether that money compounds to $176,000 by 2031 or evaporates depends on three...
13 min readVancouver Tech Worker Laid Off with $180K Severance in BC 2026: Tax-Optimized Deployment + Housing Cost Strategy
A $180K BC severance plus $42K of vested RSUs creates a tax bill most laid-off engineers solve badly. The bracket math, the 30-day RSU window, the EI allocation, and whether to rent or buy in Vancouver with a six-figure...
13 min readFederal Employee in Manitoba with $250K Severance: Pension Buyback vs RRSP Shelter Decision in 2026
A 55-year-old Winnipeg federal public servant walks out with $250,000 in severance. The pension buyback adds years to his retirement formula. The RRSP shelters $33,810 at the top marginal rate. The unshielded $150K+...
12 min readFederal Employee in Newfoundland with $180K Severance: Pension Transfer vs RRSP Rollover in 2026
A 52-year-old federal employee in St. John's receives $180K in severance and faces the most consequential financial decision of their career: take the pension transfer value, roll the severance into an RRSP, or both....
14 min readFederal Employee in Nova Scotia with $80K Severance: Phoenix Payout and RRSP Timing in 2026
Marcus, 40, leaves his federal role in Halifax with $80,000 in severance. Phoenix pay delays threaten to land the payment in the wrong tax year — and the RRSP timing decision swings $8,000 or more in tax.
11 min readFederal Employee in PEI with $250K Severance: Defined Benefit Pension Commuted Value vs Annuity in 2026
A 58-year-old federal worker in Summerside receives $250,000 in severance and faces the commuted value vs annuity decision on 28 years of defined benefit pension. The pension choice alone swings retirement income by...
14 min readFederal Employee in Quebec with $120K Severance: Bilingual Bonus Payout and QPP Coordination in 2026
Marc Tremblay, 44, loses his bilingual federal position in Gatineau with $120,000 in severance. Quebec's 53.31% top combined rate, QPP coordination, and a notarial will that eliminates probate entirely — the deployment...
12 min readFinance Analyst in New Brunswick with $80K Severance: First-Time RRSP Contribution and EI Coordination in 2026
Priya, 27, walks out of her Fredericton finance role with $80,000 in severance and zero RRSP history. The deployment split over the next 60 days determines whether she enters her 30s with a $40K registered head start or...
11 min readFinance Executive in Quebec with $250K Severance: Non-Competition Clause Payout and Capital Gains Planning in 2026
Marc Pelletier, 49, leaves a Montreal bank with $250,000 in severance and a non-competition clause payout. Quebec's 53.31% top rate turns a $250K exit into a $132K+ tax event unless the RRSP shelter, covenant...
12 min readFinance Manager in Manitoba with $180K Severance: Lump Sum vs Salary Continuance Tax Math in 2026
Mark Olsen, 50, must choose between a $180,000 lump sum and 12-month salary continuance from his Winnipeg employer. The lump sum triggers the federal 33% bracket. The continuance avoids it — but delays RRSP sheltering...
12 min readFinance Manager in PEI with $180K Severance: OAS Clawback Avoidance and RRSP Maximization in 2026
Robert, 56, loses his finance manager role in Charlottetown and receives $180,000 in severance. The OAS recovery tax threshold is $95,323 — his severance alone nearly doubles it. Nine years of RRSP and TFSA strategy...
12 min readFinance Professional in Nova Scotia with $120K Severance: Tax Bracket Management and TFSA Strategy in 2026
A 38-year-old Halifax financial analyst walks out with $120,000 in severance and $84,000 after federal withholding. Nova Scotia's highest-in-Canada probate fees and steep marginal rates make the RRSP-TFSA deployment...
11 min readHealthcare Administrator in New Brunswick with $250K Severance: CPP Timing and OAS Clawback Planning in 2026
A 60-year-old Moncton hospital administrator walks away with $250,000 in severance — enough to trigger full OAS clawback, force a CPP timing decision, and reshape estate planning. The next 90 days determine whether...
12 min readHealthcare Aide in PEI with $80K Severance: TFSA Priority and Low-Income Tax Optimization in 2026
Emma MacLeod, 29, loses her healthcare aide position when a Charlottetown long-term care facility closes. Her $80,000 severance lands at an income level where the TFSA outperforms the RRSP — here is the deployment math,...
11 min readHealthcare Director in Quebec with $180K Severance: RRSP Meltdown and Early Retirement Math in 2026
A 55-year-old CIUSSS director in Montreal walks out with $180,000 in severance. Quebec's 53.31% top combined rate and the $95,323 OAS clawback threshold make the next 10 years of RRSP meltdown planning worth...
14 min readHealthcare Manager in Nova Scotia with $180K Severance: Spousal RRSP and Income Splitting in 2026
A 47-year-old Halifax healthcare manager receives $180,000 in severance while their spouse earns $45,000. The spousal RRSP contribution and income-splitting strategy that turns a top-bracket tax hit into a decade of...
12 min readHealthcare Worker in Manitoba with $120K Severance: EI Timing and RRSP Contribution Strategy in 2026
A 42-year-old Winnipeg nurse receives $120,000 in severance after a hospital restructuring. The EI allocation period pushes benefits out nearly a year. Splitting RRSP contributions across 2026 and 2027 saves over...
12 min readHealthcare Worker in Newfoundland with $120K Severance: Rural Relocation and RRSP Shelter Math in 2026
A 48-year-old Corner Brook nurse practitioner receives $120,000 in severance during a regional health authority restructuring. The RRSP shelter, TFSA top-up, and Alberta relocation question — modelled with real numbers.
12 min readMuslim Tech Worker in New Brunswick with $120K Severance: FHSA vs RRSP Halal Decision in 2026
A laid-off Muslim tech worker in New Brunswick with $120K severance, $33,810 of RRSP room, and a fresh FHSA. How to split the money across halal accounts, what the NB marginal rate math looks like, and when EI actually...
11 min readOil and Gas Engineer in Quebec with $120K Severance: QPIP Benefits and RRSP Deduction Strategy in 2026
Marc Tremblay, 41, walks out of a Quebec refinery with $120,000 in severance. Quebec's 53.31% top combined rate, QPP instead of CPP, mandatory QPIP premiums, and $0-probate notarial wills create a severance deployment...
12 min readOil and Gas Executive in Quebec with $250K Severance: Retiring Allowance Rollover and RRSP Shelter in 2026
Marc Tremblay, 59, walks out of a 38-year oil and gas career with $250,000 structured as a retiring allowance. His 8 pre-1996 service years unlock $17,500 in RRSP room nobody mentioned — and Quebec's 53.31% top rate...
12 min readOil and Gas Worker in Manitoba with $120K Severance: Interprovincial Transfer and Tax Residency in 2026
Marcus, 39, walks out of a Calgary oil and gas company with $120,000 in severance and a one-way U-Haul reservation to Winnipeg. His December 31 mailing address determines which province taxes the entire year — and...
12 min readOil and Gas Worker in New Brunswick with $180K Severance: RRSP Carry-Forward and EI Strategy in 2026
Marc Boudreau, 45, walks out of the Irving Oil refinery in Saint John with $180,000 in severance. With $82,000 of accumulated RRSP carry-forward room and EI benefits delayed by the allocation period, the deployment...
12 min readOil and Gas Worker in Newfoundland with $80K Severance: Offshore Layoff and EI Bridging in 2026
Ryan, 32, loses his offshore platform job in a Newfoundland downsizing. $80,000 in severance, $24,000 withheld at source, and a 28-week EI allocation before benefits start. The RRSP-first deployment saves $12,500 in tax...
11 min readSoftware Developer in Manitoba with $80K Severance: RRSP Room vs TFSA Top-Up Decision in 2026
A 34-year-old Winnipeg developer walks out with $80,000 in severance. Manitoba's $0 probate fees shift the entire decision to immediate tax optimization — and the RRSP-vs-TFSA split in the first 60 days determines...
11 min readTeacher in Manitoba with $180K Severance: Career Transition Fund and CPP Bridge Strategy in 2026
A 51-year-old Manitoba teacher receives $180,000 in a retirement incentive. The deployment over the next 90 days determines whether CPP starts at 60 with a permanent 36% haircut or at 65 with the full $1,507.65/month —...
12 min readTeacher in New Brunswick with $80K Severance: Pension Bridge and TFSA Optimization in 2026
A 58-year-old New Brunswick teacher walks away from a 30-year career with $80,000 in severance and a pension that won't pay full benefits for another 2-4 years. The split between bridge income, RRSP shelter, and TFSA...
11 min readTeacher in Newfoundland with $120K Severance: Sabbatical Leave Plan and TFSA vs RRSP Priority in 2026
A 43-year-old Newfoundland teacher receives $120,000 in severance and plans a one-year sabbatical. The severance year demands RRSP-first strategy at 38–43% marginal rates — but the sabbatical flips everything to TFSA...
11 min readTeacher in Nova Scotia with $250K Severance: Early Retirement and Pension Coordination in 2026
Karen MacLeod, 57, walks out of her Halifax-area high school with a $250,000 retirement incentive. The pension bridge, CPP timing, RRSP shelter, and NS probate math that determine whether she keeps $40,000 more — or...
12 min readTeacher in PEI with $120K Severance: Pension Gap Funding and RRSP Two-Year Split in 2026
A 53-year-old PEI teacher receives $120,000 in severance after a school board consolidation. The two-year RRSP split and pension-gap bridge strategy that keeps $25,000+ in the portfolio instead of handing it to CRA.
11 min readTeacher in Quebec with $180K Severance: RREGOP Pension and Provincial Tax Optimization in 2026
Marc Tremblay, 54, walks out of 30 years in the Quebec education system with $180,000 in severance and a RREGOP defined benefit pension. Quebec's 53.31% top rate and the pension adjustment eating his RRSP room mean the...
12 min readTech Director in New Brunswick with $250K Severance: Non-Registered Investment Planning in 2026
Marcus Okafor, 48, walks out of his Saint John tech company with $250,000 in severance. RRSP and TFSA absorb barely half. The $100,000+ excess lands in a non-registered account where every dollar of growth is taxed under the flat 50% capital gains inclusion...
14 min readTech Executive in Newfoundland with $250K Severance: Stock Option Exercise Timing in 2026
A 46-year-old St. John's tech executive walks out with $250,000 in severance and a pile of unvested stock options. With flat 50% capital gains inclusion in 2026, exercise timing is about bracket-spreading and marginal-rate management — not tier-avoidance...
14 min readTech Lead in Nova Scotia with $180K Severance: Incorporated Contractor vs Employee Payout in 2026
Marcus, 44, walks out of a Halifax SaaS company with $180,000 in severance. Two contract offers sit on his desk. Whether he incorporates or stays as an employee changes his capital gains inclusion rate, his Nova Scotia...
14 min readTech Worker in New Brunswick with $120K Severance: RRSP Room vs TFSA Shelter Decision in 2026
A Fredericton senior developer walks out with $120,000 in severance. With $33,810 of 2026 RRSP room and up to $109,000 of cumulative TFSA room, the split between RRSP deduction and TFSA sheltering decides whether the...
12 min readTech Worker in New Brunswick with $120K Severance: RRSP vs TFSA Split and Relocation Math in 2026
A 36-year-old Fredericton remote tech worker receives $120,000 in severance and faces a three-way decision: max out RRSP room at the severance-year marginal rate, top up the TFSA, or relocate to a lower-tax province...
11 min readTech Worker in PEI with $80K Severance: Remote Work Pivot and FHSA Down Payment Stack in 2026
Jordan, 28, loses a remote software development job and receives $80,000 in severance in Charlottetown. The FHSA + TFSA + RRSP Home Buyers' Plan stack turns that severance into a tax-optimized first-home down payment —...
11 min readTech Worker in Quebec with $80K Severance: Provincial Tax Credit Recovery and RRSP Timing in 2026
Marc, 30, walks out of a Montreal SaaS company with $80,000 in severance. Quebec's 16.5% federal tax abatement and separate provincial return change the RRSP deduction math compared to every other province — here's the...
11 min readCPP at 65 vs 70 for a Self-Employed Trades Worker in Ontario with Irregular Income History (2026)
Self-employed workers with sub-maximum CPP often assume deferral isn’t worth it for them. The opposite is true — the 42% enhancement is a percentage, identical for $1,100/mo or $1,500/mo starting amounts. Worked example...
14 min read readCPP Disability vs Early CPP Retirement at 62 for a BC Resident with an MS Diagnosis: Which Pays More? (2026)
A 62-year-old BC resident with a qualifying disability faces a $138,900 lifetime CPP decision. CPP-Disability pays $1,692/month and converts to UNREDUCED CPP retirement at 65; early CPP at 62 pays $1,182/month and locks...
14 min read readOAS Deferral vs CPP Deferral for a 65-Year-Old Alberta Retiree With a $72K DB Pension: Different Answers (2026)
For DB-pension retirees, CPP and OAS deferral are SEPARATE decisions — not a package. The DB income floor changes the math. Take CPP at 65 (cash flow, diluted enhancement); defer OAS to 70 (+36% enhancement + 5 years of...
14 min read readRetiring at 55 in Ontario with $1.1M RRSP and a $300K Buyout: The 10-Year Bridge Strategy to CPP+OAS at 65 (2026)
A 55-year-old Toronto tech exec with $1.1M RRSP and a $300K voluntary buyout package faces 10 years before CPP+OAS at 65. The default lump-sum severance creates $42K of unnecessary tax. The optimal 4-move sequence...
16 min read readRetiring at 67 in Nova Scotia with $800K in RRSPs: The 3-Account Tax Shelter Strategy That Saves $42,000 (2026)
A Halifax retiree at 67 with $800K RRSP faces Canada's steepest combined marginal rate (~54%) and highest probate fees ($16.95/$1K). The 3-account shelter strategy uses RRSP, TFSA, and non-registered accounts in...
15 min read readRetiring Couple at 62 in BC with $1.2M in RRSPs: The CPP Splitting Decision That Saves $31,000/Year (2026)
A BC couple both 62 with $1.2 million in combined RRSPs can save roughly $31,000/year in joint tax + OAS clawback by applying CPP pension sharing under s. 65.1, deferring both CPP and OAS cheques to 70, and melting...
15 min read readRetiring Quebec Couple at 65 with $900K in RRSPs: QPP vs CPP Mechanics + The $2,000 Pension Credit Stacking (2026)
A Quebec couple both 65 with $900K combined RRSPs can save approximately $68,000 in lifetime tax by converting a small portion of RRSPs to RRIF at age 65 (unlocking federal + Quebec pension income credits), filing QPP...
15 min read readRetiring Single at 60 in Alberta with $450K in RRSPs: CPP at 60 vs Deferral — The Real Break-Even (2026)
A single 60-year-old Albertan with $450K in RRSPs faces a permanent decision: take CPP at 60 with the 36% reduction or bridge to 70 with RRSP withdrawals at Alberta's gentler marginal brackets. The break-even ages and...
14 min read readRetiring Single at 65 in Ontario with $750K in RRSPs: The CPP-OAS-RRSP Sequence That Saves $84,000 in Tax (2026)
A single 65-year-old Ontario retiree with $750,000 in RRSPs and no defined-benefit pension faces a $84,000 lifetime tax decision: take CPP and OAS at 65 and leave the RRSP to grow, or defer both to 70 and meltdown the...
14 min read readRRIF Conversion at 65 vs 71 for a BC Retiree with $825K RRSP: What the 6-Year Delay Actually Costs (2026)
A BC 65-year-old with $825K RRSP, full CPP+OAS, no DB pension should partial-convert $50K to RRIF at 65 — captures $430/yr pension credit × 6 years = $2,580 of tax savings + reduces age-71 RRIF balance. The bank never...
13 min read readSeverance and the Retiring Allowance RRSP Rollover (s. 60(j.1)) for Pre-1996 Employees: $2,000/Year of Service in 2026
Section 60(j.1) of the Income Tax Act lets long-service workers hired before 1996 roll $2,000/year of pre-1996 service to RRSP OUTSIDE normal contribution room. For a Hamilton steelworker with 39 years of service,...
14 min read readSeverance for a Public Sector Worker with a Defined Benefit Pension at 56: The Pension Bridge Decision Worth $145K (2026)
A 56-year-old OMERS member faces a $145K lifetime pension decision: take reduced pension at 56 (6%/year penalty = 24% cut for life) or bridge 4 years with severance + savings to age 60 and start unreduced pension....
15 min read readSeverance for a Quebec Tech Worker with a $95K Package: The QPIP Clawback Interaction Most Miss (2026)
A laid-off Montreal developer facing a $95K severance has a Quebec-specific structuring decision: salary continuance preserves QPIP qualifying earnings for future parental leave. Lump-sum can disqualify the parent from...
14 min read readSeverance of $225K for a Laid-Off Toronto Finance VP at 49: The Salary Continuance Play That Saves $38,000 (2026)
A $225K lump-sum severance on a $185K base income hits Ontario’s 53.53% top marginal bracket — $115K in tax. Negotiating salary continuance across 2 tax years + accessing year-2 RRSP room saves $38K. Worked example for...
15 min read readSeverance Package Negotiation Checklist for Tech Layoffs in 2026: 8 Things to Ask For Beyond the Money
Initial tech severance offers leave $15K-$300K+ of value on the table. The 8-item negotiation checklist covers cash structure, RSU acceleration, benefits, outplacement, reference letter, non-compete, and consulting...
15 min read readSeverance Pay Calculator by Province Canada 2026: From 1 Week to 26+ Weeks by Tenure (All 10 Provinces)
Canadian statutory severance ranges from 4 weeks (New Brunswick) to 34 weeks (Ontario large employers) maximum — but common-law reasonable notice typically adds 5-24 months on top. Province-by-province breakdown for a...
14 min read readCanada EI Benefits 2026 in Quebec: How the QPIP Offset Reduces Standard Parental Claims, the 600-Hour Qualifying Threshold for Seasonal Workers, and What a $58,000 Income Earner Actually Receives
Quebec residents pay lower federal EI premiums because QPIP covers maternity/parental. Step-by-step benefit calculation for a $58K earner, seasonal worker qualifying rules for Gaspésie, and the T4E clawback at $81,761.
11 min read readCanada EI Benefits 2026 vs 2025: New Maximum Insurable Earnings, Premium Rate Change, and What the Average Ontario Worker's Weekly Benefit Actually Shifted
Year-over-year comparison of 2026 vs 2025 EI: MIE rises to $68,900, premium rate drops to $1.63/$100, max weekly benefit hits $728. Worked examples at $60K, $75K, and $100K+ salaries for Ontario workers.
12 min read readAlberta Tech Worker Laid Off at 53 With $88,000 Severance: Using the Low-Income Year to Reset an RRSP and Rewrite an Estate Plan
A mid-career layoff compresses income into one year and opens a rare multi-year tax window. Most Albertans spend it paying debt — when they should be restructuring their estate.
14 min readPension Buyback Canada 2026: Is It Worth It?
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9 min readTrump Tariffs 2026: Trade War Layoffs & Severance
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9 min readPension Commutation Ontario 2026: Lump Sum or Monthly?
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9 min readSeverance Pay Nova Scotia 2026: Labour Standards Code
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9 min readBest Retirement Age Canada 2026: 55 vs 60 vs 65 Analysis
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9 min readEarly Retirement Canada 2026: The FIRE Guide
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9 min readEI Maternity & Parental Leave Ontario 2026: Employer Rights Guide
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9 min readCPP 2026: Why Most Canadians Get $925.35, Not the $1,507.65 Max (3 Levers That Close the Gap)
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9 min readLIRA vs Locked-In RRSP 2026: Differences & How to Unlock
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9 min readDefined Benefit vs Defined Contribution Pension 2026
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9 min readOAS Canada 2026: Complete Guide to Benefits & Eligibility
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9 min readPension Commutation 2026: Lump Sum or Monthly Pension?
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9 min readWorkers Compensation Ontario 2026: WSIB Benefits & Rights
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9 min readSeverance Pay Alberta 2026: Exact Weeks Owed by Tenure (ESC Minimums + Common Law Top-Up)
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9 min readDebt Payoff Calculator Canada 2026: Snowball vs Avalanche
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9 min readBest Personal Finance Apps Canada 2026
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9 min readFinancial Goals Framework Canada 2026: Step-by-Step Plan
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9 min readCPP Disability 2026: Your Real Monthly Amount After the LTD Offset, Tax + the Children's Top-Up
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9 min readCost of Living Canada 2026: City-by-City Comparison
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9 min readEmployer Benefits Canada 2026: Group Benefits Guide
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9 min readNet Worth Calculator Canada 2026: Calculate & Track Your Wealth
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9 min readStudent Loan Repayment Canada 2026: Interest-Free Federal Loans & Strategies
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9 min readEmergency Fund Canada 2026: How Much You Need & Where to Keep It
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9 min readCCB Increase 2026: What You'll Actually Get Each Month at $50K, $100K and $150K Income
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9 min readConstructive Dismissal Ontario 2026: Your Rights & Financial Options
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9 min readMaternity Leave Pay Canada 2026: 12 vs 18 Months (Which EI Option Nets More Take-Home?)
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9 min readSeverance Pay BC 2026: What You Are Owed Under the Employment Standards Act
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9 min readGIS Eligibility 2026: Income Thresholds, Amounts & How to Apply
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9 min readRRIF Minimum Withdrawal Table 2026: Every Age, Every Percentage
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9 min readSeverance Pay Ontario 2026: Exact Weeks Owed by Age, Tenure + Salary (Free Calculator)
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9 min readCPP at 60 vs 65 vs 70: The Break-Even Calculator You Need in 2026
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9 min readOAS Clawback 2026: Income Thresholds, Recovery Tax & How to Avoid It
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9 min readFHSA vs RRSP Home Buyers Plan 2026: Which Should You Use First?
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9 min readEI Calculator Ontario 2026: Exactly How Much You Will Get Per Week
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9 min readCanada Tariff Layoffs 2026: Financial Survival Guide for Affected Workers | Life Money
Canadian workers hit by tariff-related layoffs in auto, steel, and manufacturing face urgent financial decisions. Here
12 min readMeta Layoffs 2026: Financial Guide for Affected Employees | Life Money
Laid off from Meta? Complete guide to your pension options, severance package, and financial next steps. Ontario-focused advice from certified planner
12 min readSeverance Pay Calculator Canada 2026: Estimate Your Severance Package (With Examples) | Life Money
Use this severance pay calculator Canada guide for 2026 to estimate statutory vs common law severance. Includes provincial vs federal rules, examples,
12 min readOntario Severance Calculator 2026: ESA Weeks vs Bardal Common-Law Months (Your Exact Range)
Use our free Ontario severance pay calculator to estimate your ESA termination pay, ESA severance pay, and common law reasonable notice. Covers Bardal
12 min readLaid Off From an Ontario Manufacturing Job in 2026? Your Severance & Financial Planning Guide | Life Money
Lost a manufacturing job in Ontario due to US tariffs in 2026? Here
12 min readTech Layoffs 2026: Get 6-12 Months Severance [Negotiation Scripts]
Laid off in tech? Most get only 30% of what they deserve. Our negotiation scripts helped 200+ GTA developers get 6-12 months severance. Free consultat
12 min readFirst-Time Home Buyer RRSP Plan (HBP) 2026: Complete Guide
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13 min readBank of Montreal Layoffs 2026: Your Complete Financial Guide
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9 min readCogeco Layoffs 2026: Your Complete Financial Guide
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9 min readBank of Montreal (BMO) Layoffs 2026: Your Complete Financial Guide
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9 min readHumber Polytechnic Layoffs 2026: Your Complete Financial Guide
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9 min readBrock University Layoffs 2026: Your Complete Financial Guide
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9 min readUbisoft Toronto Layoffs 2026: Your Complete Financial Guide
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9 min readNational Research Council Layoffs 2026: Your Complete Financial Guide
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9 min readGoogle Layoffs 2026: Your Complete Financial Guide
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9 min readLoyalist College Layoffs 2026: Your Complete Financial Guide
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9 min readBank of Montreal (BMO) Layoffs 2026: Your Complete Financial Guide
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9 min readTech Layoffs February 2026: Severance Negotiation Update
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9 min readGeneral Motors (GM) Layoffs 2026: Your Complete Financial Guide
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9 min readCanada's immigration Layoffs 2026: Your Complete Financial Guide
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9 min readAgriculture and Agri-Food Canada (AAFC) Layoffs 2026: Your Complete Financial Guide
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9 min readCanada's immigration service Layoffs 2026: Your Complete Financial Guide
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9 min readGeneral Motors (GM) Layoffs 2026: Your Complete Financial Guide
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9 min readGFL Environmental Layoffs 2026: Your Complete Financial Guide
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9 min readCanadian federal public service Layoffs 2026: Your Complete Financial Guide
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9 min readfederal agriculture centres Layoffs 2026: Your Complete Financial Guide
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9 min readFederal Government of Canada Layoffs 2026: Your Complete Financial Guide
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