Your Withdrawal Plan Could Be Failing (Here’s How to Fix It)

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Most retirees don’t realize how much their withdrawal strategy affects taxes, portfolio longevity, and overall retirement stability. In this video, I break down how to build a predictable, tax-efficient retirement income plan that helps your savings last longer, reduces OAS clawbacks, and gives you real confidence about how to use the wealth you've spent decades building.

For many people, retirement only becomes stressful when the paycheques stop and the withdrawal decisions begin. I’ve helped more than 680 retirees transition into retirement, and the same theme shows up every time: building wealth and living from it are two completely different skills. You can have $1M, $2M, or more — but without a clear, tax-smart withdrawal plan, uncertainty takes over.

In this video, I explain why coordinating withdrawals across RRSPs, TFSAs, and non-registered accounts is far more effective than taking income from just one source. I walk through the blended withdrawal strategy, the Three-Lane Framework for managing income buckets, how to protect yourself from sequence-of-returns risk, and how to use the “tax window” in your 60s to dramatically reduce lifetime taxes.

We’ll also cover why delaying CPP and OAS can stabilize your income curve, how to avoid forced RRIF withdrawals later, and how proper timing can help preserve benefits and lower your overall tax bill. I’ll share real examples of retirees who saved hundreds of thousands of dollars simply by structuring withdrawals the right way — not by taking more risk or chasing returns.

If you want clarity, predictable income, and a plan that supports your lifestyle for the next 30 years, this video will give you the framework you need.
If you’d like a personalized withdrawal strategy tailored to your accounts, tax profile, and retirement goals, book a call using the link above. And don’t forget to like and subscribe for more retirement income planning insights every week.










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