Welcome! I got my PR last July. Was wonderful.

Unfortunately Canada doesn't really seem to do joint-filing for taxes. It's kind of weird. I can't say that I understand it fully, but there is a checkbox you can click when you file via SimpleTax that lets you link your return to your spouses... not sure what it does though.

Like the others said - go to the links on the right-hand column and do some reading. You should start with opening an RRSP through work, if they do contribution matching.

If not, open an RRSP somewhere else. It seems like you should maximise your contributions to your RRSP since you have a pretty high base income - any money you put into your RRSP will be taken off your taxable income for the year. So if you Bring in 95k in 2016, but contribute 20k to an RRSP, your income for that year is only 75k, and you'll be taxed on that instead of the 95k - if your employer takes taxes out of your paycheck automatically, it means that you'll get a nice healthy refund come tax time. If you ever take money out of the RRSP, it'll get added to your taxable income for the year.

A TFSA is kind of the inverse of an RRSP; you don't get to deduct it from your income (i.e. if the account above was an TFSA instead, your income for 2016 would still be 95k and you'd get taxed on that, no refund). But the advantage is once the money's in there, you can take it out tax-free - any money you take out of it does not get taxed.

Both of these accounts you can (and should) set up as investment accounts - which means you can buy and sell mutual funds/ETFs/stocks within them. So any gains you make are tax-sheltered.

Anyway, the literature on the right hand side does a good job of all this. Welcome!