Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started

The years leading up to retirement and the first few years after retiring may be the most important tax planning window of your life.

In this episode of Retiring Canada, we discuss what we call the “tax valley” and the strategies retirees should consider during this critical period.

You will learn why year end tax planning matters, how delaying CPP and OAS may improve your long term after tax income, and why decisions around RRSPs, RRIFs, TFSAs, and taxable accounts can have lasting consequences throughout retirement. We also cover strategies such as pension splitting, spousal planning, and optimizing tax brackets before mandatory RRIF withdrawals begin.

We also explain why retirement planning works best when investment, income, tax, and estate planning are all coordinated together.

This episode is for Canadians nearing retirement or recently retired who want to reduce taxes and build a more sustainable retirement income plan.

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EPISODE RESOURCES:
📊 Work with Michael: https://fundamentalwealth.ca/get-started

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