https://youtu.be/xTZO7SyfdTc Taking less from your RRSP can lead to more tax later. It shows up when someone keeps withdrawals tiny in their 60s, then finds that an extra $10,000 in their 70s barely changes after-tax cash, or Old Age Security (OAS) starts getting clawed back. The issue usually isn’t whether you’ll pay tax on RRSP/RRIF […]
https://youtu.be/HknMY3smDRA Trying to “pay no tax” in your 50s and 60s by avoiding RRSP withdrawals can set you up for the highest-tax years of your life later. That’s not because you did anything reckless. It’s because of how retirement income stacks once CPP, OAS, and RRIF minimum withdrawals all arrive in the same window. This […]
A large TFSA is not built through luck or side bets. It is usually built through consistent contributions, a portfolio you can stick with, and a clear understanding of how the account can support tax planning later in retirement.
https://youtu.be/_KzxGRUivgE Flow-through shares can look like a magic trick on paper: buy shares, claim a big deduction, get a refund. But they aren’t free money. The tax break can show up now, and the tax bill can show up later. And if you buy the wrong structure, in the wrong account, or with the wrong […]
https://youtu.be/QK95YgU8lMg 2026 brings a fresh set of updates to Canada’s main registered accounts. Some limits are increasing, others are staying put, and a few rules still work very differently than people assume. On their own, these changes can feel minor. But added together, they shape how you should think about saving, investing, and deciding where […]
Good investing outcomes are often shaped less by finding the next winning stock and more by avoiding a handful of common mistakes. For Canadian investors, concentration, poor timing, unclear goals, and unrealistic expectations can quietly do real damage over time.
Introduction: Making More Money Isn’t the Entire Answer We’ve seen households earning roughly the same amount, land in totally different places. One with everything scattered across random accounts. The other is building real options: flexibility at work, more control over taxes, a clear plan for family goals, and the ability to make decisions without that […]
https://youtu.be/AGK9Rs4Aqqk Introduction: The quiet problem most people don’t see Here’s a slightly uncomfortable truth: a lot of Canadians are doing “everything right” financially and still leaking wealth. They earn well. They invest consistently. They avoid obvious money mistakes. Yet a big chunk of what they build never really becomes theirs to keep. It drifts away […]
Withdrawing from an RRSP before you need the cash can feel counterintuitive. For some retirees, however, lower-income years before pensions, CPP, OAS, and RRIF minimums begin may offer a valuable opportunity to manage lifetime tax.
https://youtu.be/1Ou5FguPqaQ Introduction Retirement isn’t a finish line. It’s the start of a very different financial game, one with its own rules, trade‑offs, and potential traps. And here’s the truth many people don’t realize until it’s too late: the way you withdraw from your accounts often matters more for taxes than the way you built them […]
