RetireSmartCA · Discover
Retirement insights, practical strategies, and free planning tools.
Estate Planning · RetireSmartCA
Your will leaves your TFSA to your children, but the bank still lists your late spouse. Learn how Ontario beneficiary designations, probate, multiple beneficiaries and minor children affect the outcome.
October 26, 2026 · 8 min read
Pensions · RetireSmartCA
October 26, 2026 · 10 min read
Pensions · RetireSmartCA
October 26, 2026 · 10 min read
Free planning toolBuild a simple budget to estimate how much after-tax income you’ll need in retirement.
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Pensions · RetireSmartCA
A dual-pension couple weighs a permanent pension reduction against 60% survivor income, a $5,000 monthly budget and alternatives including TFSA savings, life insurance and estate planning.
October 25, 2026 · 14 min read
Drawdown Sequencing · RetireSmartCA
October 25, 2026 · 10 min read
Drawdown Sequencing · RetireSmartCA
October 23, 2026 · 12 min read
Free planning toolExplore how your savings and contributions could grow before retirement.
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Drawdown Sequencing · RetireSmartCA
With $300,000 in non-registered investments, $300,000 in TFSAs, and $800,000 in RRSPs, can a couple retire at 55 on $10,000 a month after tax? A candid look at sustainability and withdrawal planning for ages 55–65, 65–70, and 70+.
October 23, 2026 · 13 min read
Strategy · RetireSmartCA
October 23, 2026 · 9 min read
Strategy · RetireSmartCA
October 23, 2026 · 9 min read
Free planning toolExplore when to draw from pensions and savings to support your income and manage taxes.
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Tax & Withdrawals · RetireSmartCA
Withdrawing from an RRSP before mandatory RRIF payments begin can sometimes smooth retirement taxes. Learn what changes at 71, how the strategy works, and when early withdrawals could backfire.
October 23, 2026 · 7 min read
Government Benefits · RetireSmartCA
October 23, 2026 · 6 min read
Strategy · RetireSmartCA
October 17, 2026 · 4 min read
Free planning toolCheck which pension income qualifies and estimate your pension credit savings.
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Government Benefits · RetireSmartCA
Each month you delay CPP past 65 increases your benefit by 0.7% — but the math on whether it's worth it depends on longevity, other income, and your tax bracket.
September 15, 2026 · 6 min read
Government Benefits · RetireSmartCA
September 8, 2026 · 5 min read
Tax & Withdrawals · RetireSmartCA
August 30, 2026 · 5 min read
Free planning toolCompare pension split ratios and their impact on household taxes.
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Strategy · RetireSmartCA
Most retirees draw tax-deferred accounts last to defer tax. But for Canadians with large RRSPs, drawing earlier can cut lifetime tax by filling low brackets every year.
August 22, 2026 · 7 min read
Strategy · RetireSmartCA
October 5, 2026 · 8 min read
Estate Planning · RetireSmartCA
October 11, 2026 · 6 min read
Free planning toolCompare earlier benefits with waiting until 70 and explore break-even ages.
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Drawdown Sequencing · RetireSmartCA
A retirement sequencer's whole claim is beating the 'naive' order. Here's the plain-English difference between conventional and tax-smoothing drawdowns — and why 'optimized' doesn't always mean less tax.
October 12, 2026 · 6 min read
Free planning toolProject annual RRIF minimum withdrawals and remaining balances.
Open toolEducational information. Not personalized financial or tax advice.
