EP # 162 | Understanding RRIF Withdrawal Rules and Building a Tax-Smart Retirement Plan

Your Retirement Planning Simplified · Oct 9, 2025 · 14m

Most retirees view mandatory RIF withdrawals as a tax trap—but what if they're actually a strategic advantage?

In this episode, Joe Curry explains how smart RIF planning can reduce lifetime taxes, protect OAS and government benefits, and even help grow wealth.

Learn how to use income smoothing, tax brackets, and the three-bucket strategy to master retirement income planning.

Key Takeaways

· RIF withdrawals aren't a punishment—they're part of a tax-deferred system designed for the decumulation phase of retirement.

· Starting RRSP withdrawals early can smooth out income and prevent OAS…