The Withdrawal Strategy That Always Works for Canadian Retirees скачать в хорошем качестве

The Withdrawal Strategy That Always Works for Canadian Retirees

Book a call with me here: https://calendly.com/s-francescut-ipc... In this video, I break down one of the most misunderstood — yet most powerful — strategies for Canadian retirees: withdrawal optimization. Most people think their retirement success depends entirely on how much they’ve saved. But in reality, how and when you draw income from your RRIF, RRSP, TFSA, CPP, and non-registered accounts can have just as big an impact on what you actually keep. I’ll show you how the order of withdrawals affects your taxes, how to avoid unnecessary OAS clawbacks, how tax smoothing works in your 60s, and how to use your TFSA as a real planning tool — not just an emergency fund. I’ll also explain why taking RRSP or RRIF income earlier (during low-income years) can reduce lifetime taxes, prevent income spikes, and create a smoother, more predictable retirement cash flow. If you’re within 5–10 years of retirement and want to avoid tax traps like OAS clawbacks, high RRIF withdrawals, and income spikes in your 70s, this will help you understand the strategies Canadians use to keep more of their hard-earned savings. In this video, I walk through: • How withdrawal order affects taxes • How RRIF minimums can create tax spikes • How to use your TFSA strategically • The retirement bridge strategy for early retirees • Avoiding the OAS clawback • Income-splitting opportunities after age 65 • Making non-registered investments more tax-efficient If you’d like help building your own coordinated retirement income plan — designed to reduce taxes, protect benefits, and extend the life of your savings — book a consultation using the link above. #retirementplanning #rrifwithdrawals #rrspstrategy #tfsa #oasclawback #canadianretirement #retirementincome #taxplanning #retirementtaxes #decumulation #retirementstrategy #financialplanning #wealthmanagement #incomeplanning #canadianfinance #taxefficiency #cppplanning #retirementcanada #taxsmoothing #retirementtips