Retiring before CPP and OAS start can create a short period of unusually low taxable income. Used carefully, those bridge years may be an opportunity to reduce future RRIF pressure and smooth lifetime tax.
Read the June 2026 Market Commentary covering Canadian housing uncertainty, U.S. inflation pressures, geopolitical risks, oil prices, and the longer-term market outlook.
Many Canadians still picture retirement as a single date on the calendar. In practice, it works more like a sequence of planning stages. Certain ages open up new options, others close off deferral opportunities, and some create mandatory decisions whether you feel ready or not. That distinction matt...
Many retirement plans begin with a target: $1M, $2M, maybe more. That number matters, but it rarely answers the question people are actually trying to solve. Retirement isn’t one math problem. It’s a series of linked decisions about spending, government benefits, withdrawals, taxes, and...
https://www.youtube.com/watch?v=YAvHghlmK70 Retirement tax planning often gets framed as one question: how do you pay less tax? That sounds sensible, but it can lead to the wrong decision when your wealth sits in more than one type of account. If you have a meaningful RRSP and a large non-registered...
A lot of Canadians hear one clear message about the Canada Pension Plan: if you can afford to wait, delay CPP to age 70 because the monthly payment will be higher. That part is true. But it leaves out the cost of waiting. If you delay CPP from age 60 to age 70, you’re choosing […]
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