6 Retirement Tax Hacks to Cut OAS Clawbacks
Автор: Ferguson Financial Planning
Загружено: 2025-10-21
Просмотров: 45598
Most Canadians spend years building their RRSPs and TFSAs, but fewer think about how to actually pull money out of them strategically. In this video, we’ll walk through six powerful retirement tax hacks for 2025—covering RRSP withdrawals, RRIF strategies, CPP timing, OAS guardrails, TFSA use, spousal income splitting, and estate pre‑planning. You’ll see how small adjustments made in your 60s can dramatically cut lifetime taxes, reduce OAS clawbacks, and leave more for your family.
Note: At 9:15, the correct lifetime TFSA room is $102,000.
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Are You Using Your TFSA Wrong? • Are You Using Your TFSA Wrong?
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🎬 Chapters
Intro 0:00
RRSP to RRIF 2:03
CPP Timing 4:32
OAS Guardrail Check 6:34
TFSA For Growth 8:55
Spousal RRIF Equalization 10:46
Estate Planning for RRSPs 12:23
Recap 14:43
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Jacqueline Ozdemir is a Financial Advisor at Assante Capital Management Ltd. Assante Capital Management Ltd. is a Member of the Canadian Investor Protection Fund and the Canadian Investment Regulatory Organization. Insurance products and services are provided through Assante Estate and Insurance Services Inc.
This material is provided for general information and should not be considered individual investment, tax, accounting, or legal advice, or construed as an offer or solicitation to buy or sell securities. The statements and opinions expressed are those of the presenter(s) and not necessarily those of Assante Capital Management Ltd. All opinions expressed and information provided herein are subject to change without notice. Every effort has been made to compile this material from reliable sources as at the date indicated however, no warranty can be made as to its accuracy or completeness Market conditions may change which may impact the information contained herein. All charts and illustrations in this document are for illustrative purposes only and they are not intended to predict or project investment results. In considering any particular investment or investment strategy, please remember that past performance is no guarantee of future performance. We caution you not to place undue reliance on any statements that are predictive in nature, depend upon or refer to future events or conditions, as a number of factors could cause actual events or results to differ materially from those expressed in any forward-looking statement, including economic, political and market changes and other developments. The information contained herein may not apply to all types of investors. Before acting on the information presented, please seek professional financial advice based on your personal circumstances.
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