OAS Clawbacks, RRIF Meltdowns, and Five More Tax Decisions That Decide What a Portfolio Keeps

What the hour covers

Seven topics, start to finish. No cost, and no product pitch.

1. The building blocks of retirement incomeHow CPP, OAS, RRSPs, RRIFs, TFSAs and pensions fit together as one income plan rather than six separate accounts.
2. OAS clawbacks and benefit timingHow to stay clear of the OAS recovery tax, and when starting CPP and OAS lifts lifetime income rather than reducing it.
3. Avoiding the tax trapHow tax brackets, pension splitting and the order of withdrawals change the total tax bill over a full retirement.
4. RRIF and withdrawal planningBuilding a meltdown strategy that draws income efficiently while preserving capital.
5. TFSA optimisationWhere the TFSA belongs alongside an RRSP and a RRIF, and how it is commonly used incorrectly.
6. What investment fees really costHow high cost mutual funds reduce long term income, and what a low cost model changes over twenty years.
7. Protecting a spouse and a legacyKeeping a surviving spouse financially secure, and reducing estate taxes on what gets left behind.