This Hidden Retirement Phase Can Cost You Thousands in Taxes

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Most Canadians think retirement begins the day they stop working. But in reality, there’s a powerful transition phase that happens before full retirement income starts — and it’s one of the most important planning windows of your entire financial life.

This hidden phase usually occurs between your late 50s and mid-60s, after your employment income slows down but before CPP, OAS, and mandatory RRIF withdrawals begin. During this time, your income is flexible, your tax rate is often lower, and you have far more control than you will later in retirement.

In this video, I walk through why this transition phase matters so much, how missing it can lead to higher taxes and OAS clawbacks later on, and how using it properly can significantly reduce your lifetime tax bill. We talk about when it makes sense to start RRSP withdrawals early, how to shift assets into TFSAs, and how to coordinate CPP and OAS timing so your retirement income works smoothly instead of piling up all at once.

If you’re between about 58 and 67 and starting to think about what comes next, this conversation will help you understand how to turn this overlooked phase into one of your biggest financial advantages — and how thoughtful income planning can create confidence, flexibility, and peace of mind throughout retirement.












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