In episode 28 of Retirement Unpacked, Brett and Michael break down if children receive any CPP benefit if their parents pass away, when spousal loans make sense, why it's normal to be nervous heading into retirement, if there is any reason to convert your RRSP to a RRIF before 71, and much more.
Later in the episode, one of our planners, Paul Grenier, joins to discuss how OAS calculated if you haven't spent a full 40 years in Canada by age 65, and what the effects of delaying are.Chapters0:00 Intro
0:25 Do children receive any CPP benefit if parents pass away?
2:11 When do spousal loans make sense?
8:51 75% stocks/25% guaranteed return for cashflow wedge?
12:35 Is it normal to be nervous entering retirement?
18:27 Is QPP an option on PWL calculator?
19:46 Any reason to convert RRSP to RRIF before 71?
27:46 Actual dividend amount or grossed up amount for corporations?
30:10 Capital gains consequences if put on house deed?
40:50 OAS calculation when you haven't spent full 40 years in Canada
45:48 Spousal RRSP to RRIF transfers