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EP # 194 | RRSP to RRIF - When Should You Make the Switch?
When should you convert your RRSP to a RRIF? In this episode of Your Retirement Planning Simplified, Joe Curry explains the key differences between RRSPs and RRIFs, how RRIF minimum withdrawals work, and why the right timing depends on your retirement income plan, tax strategy, and estate goals. Learn how RRSP meltdown strategies, pension income splitting, and OAS clawback planning can impact your retirement income in Canada.
Resources
Government of Canada - RRIF Minimum Withdrawal Rules
Government of Canada - Old Age Security (OAS) Recovery Tax
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