Trying to get your credit-card debt in order? Tuck some money away for your child's tuition? Consider your own retirement plans? Pay down your mortgage? Squirrel away some cash for emergencies?

Many consumers are juggling such financial considerations carefully, trying to make their dollar stretch as far as possible while still having enough to be comfortable in their daily lives.

We've assembled a panel of financial advisers to offer advice on how best to put money into RESPs, RRSPs and tax-free savings accounts. They are:

  • Sandra Foster, a Toronto-based adviser and consultant and bestselling author of You Can't Take It With You, Who's Minding Your Money?, Make the Most of What You've Got, Buying and Selling a Book of Business and The Estate Planning Workbook.
  • John Kason, a B.C.-based certified financial planner with Global Securities. He has been working in the financial-services sector for the past 10 years. He has provided his clients and the business community with consulting on conservative investment strategies, cash-flow management, business planning, marketing, sales, and venture capital financing.
  • Judith Cane, a 17-year veteran of the financial services industry. Her Eastern Ontario-based Antara Financial Group is built on establishing long-term client relationships with customized financial planning. It's also one of the only financial services firms in the area that specializes in serving women.

Each adviser offers advice on the following: