The Retirement Tax Window Most Canadians Miss (And Pay for Later)

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Most Canadians spend decades focused on saving for retirement, but very few understand the importance of when they start taking money out. Between the ages of 60 and 71, there’s a powerful — and often overlooked — tax planning window that can dramatically reduce lifetime taxes if used properly.

During these years, many people are in lower tax brackets, haven’t started CPP or OAS yet, and still have full control over their RRSP. That creates a rare opportunity to withdraw strategically, smooth out future income, reduce RRIF balances, and protect government benefits like Old Age Security.

I explain how this tax window works, why so many Canadians miss it, and how coordinated RRSP withdrawals, TFSA planning, and CPP and OAS timing can help you avoid income spikes, clawbacks, and unnecessary estate taxes later in retirement.

If you’re in your late 50s or 60s and want clarity on how to turn your savings into a tax-efficient, reliable retirement income — without losing control at 71 — this will help you understand what’s possible and how to plan ahead.










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