Here's a post on the joint account question: http://therichmoose.com/post20170424/
Just be aware that the CRA assesses income/losses to an account based on who contributed to it, not necessarily the names on the account. You may want to consider a Spousal loan in some cases. Generally speaking the lower income spouse should be the first contributor.
Awesome post by Mr. Rich Moose, pay close attention to his mention of investing in only capital gains index funds. He has other articles on that, only so much can be put in a single posting.
The only part I would change is that the higher income spouse can fully contribute to the TFSA of the lower income spouse (RRSP too). In that case, since there's no taxable gains/dividends, the attribution rules don't apply. Make sure both partners have fully funded TFSA, its the easiest way to start, or procrastinate, on starting the taxable account ;)
"Guide RC4466i
The Canada Revenue Agency has stated the following in RC4466 Tax-Free Savings Account (TFSA), Guide for Individuals, when transactions involve a spouse:
"You can give your spouse or common-law partner money to contribute to their own TFSA without either that amount or any earnings on the amount being attributed back to you. The total of all contributions your spouse or common-law partner makes to their TFSA must not be more than their TFSA contribution room.""
