CPP at 60, 65, or 70?
When should you start taking CPP? The math behind early vs late claiming and how to figure out what's right for your situation.
🇨🇦 Canada
Canadian Retirement Planning
Expert articles on CPP, OAS, RRSP, TFSA, and tax-efficient retirement strategies for Canadians.
RRSP vs TFSA: Which First?
Should you max out your RRSP or TFSA first? The answer depends on your tax bracket now versus retirement.
Avoiding OAS Clawback
Old Age Security gets clawed back when your income exceeds certain thresholds. Strategies to keep more of your OAS.
RRSP to RRIF Conversion at 71
What happens when you turn 71 and must convert your RRSP to a RRIF? Understanding minimum withdrawals and tax planning.
Spousal RRSP Strategy
How spousal RRSPs can help couples split income in retirement and reduce their overall tax burden.
The True Impact of Investment Fees
How seemingly small differences in MER can compound into significant losses over time.
The RRSP Meltdown Strategy
Strategic RRSP withdrawals in lower-income years to reduce future tax burden and optimize retirement income.
Pension Income Splitting in Canada
How Canadian couples can split eligible pension income to reduce their combined tax bill.
TFSA Strategies for Retirement
Advanced TFSA strategies beyond basic contributions—using your Tax-Free Savings Account for retirement income.
Tax Loss Harvesting in Canada
How to use capital losses strategically to offset gains and reduce your tax bill.
Estate Planning Basics for Canadians
Understanding deemed disposition at death, probate fees, and strategies to transfer wealth efficiently.
GIC Laddering Strategy
How to structure GIC maturities for better rates while maintaining access to your money.
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