In episode 35 of Retirement Unpacked, Brett and Jon break down RRIF successor annuitant vs. beneficiary designations, if it makes sense to do an RRSP meltdown if you have a large RRIF,TFSA, and non-registered account, whether or not you can contribute to CPP after you retire, how to determine the jurisdiction of your pension and much more.

Later in the episode, Gord Manzer joins to discuss the importance of organizing your financial world before you pass away, so your loved ones aren't left searching for documents, passwords, accounts, and other important financial details during an already difficult time.

Chapters0:00 Intro0:12 RRIF successor annuitant vs. beneficiary​4:41 Why meltdown a large RRSP?​11:10 Income splitting tax implications​16:13 RRSP matching while withdrawing from RRIF​20:18 Can you pay into CPP after retiring?​23:04 How does principal residence exemption work?​28:42 What is crystallization?​34:12 How to determine jurisdiction of a pension​39:33 Organizing your financial world before death​46:24 Importance of saving outside of your RRSP