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The decorations have been put away and the kids are back at school, which can only mean one thing: It's time for Investor Clinic's first quiz of 2015.

Think you know RRSPs and TFSAs? Do you enjoy regaling strangers with your knowledge of income splitting? Already purchased your tax software even though the filing deadline is more than three months away?

You've come to the right place.

As always, I've tried to make some of the questions extra challenging. But don't worry: there are a few gimmies as well.

A quick note about the ground rules: Calculators are permitted, but Googling the answers is strictly forbidden. If you cheat, you're only hurting yourself!

Stumped by a certain question? E-mail me at jheinzl@globeandmail.com

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