The Hidden Tax TRAP in Retirement Withdrawals (And How to Avoid It)

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Saving for retirement was the easy part. Now the hard part begins — deciding which account to draw from first.

Should you start with your RRSP, dip into your TFSA, or spend down your non-registered portfolio? On the surface, it seems like a small decision. But here’s the truth: the order you choose can make or break your retirement.

Get it wrong, and you could:

Pay thousands more in taxes than necessary

Trigger an OAS clawback that shrinks your benefits

Drain your savings faster than expected

Leave behind a larger tax bill for your family

In this video, I’ll walk you through the smart way to coordinate withdrawals from RRSPs, TFSAs, and non-registered accounts. You’ll see how a blended strategy can:

Smooth out your income year by year

Reduce your lifetime tax bill

Protect your government benefits

And help your savings last decades longer

Most Canadians follow the default approach — spending non-registered money first, saving RRSPs for last, and dipping into TFSAs only when needed. But that default can create a tax time bomb later in retirement. I’ll show you a better way.

If you want clarity on your own retirement income plan, click the link above to book a call. Let’s make sure the wealth you’ve built works together in the most efficient way possible — so you can enjoy retirement with confidence, not questions.










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