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RRIF 101: Converting Your RRSP and Managing Tax-Smart Withdrawals

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Manage episode 519037524 series 2363800
Content provided by Bruce Sellery. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Bruce Sellery or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.

Portfolio manager Matt Ardrey demystifies the RRSP-to-RRIF conversion: when it must happen, how minimum withdrawals are calculated, and ways to avoid common pitfalls like OAS clawback and large end-of-life tax bills. He covers in-kind transfers (to fund a TFSA or non-registered account without selling), coordinating multiple RRIFs, and building a portfolio that reliably generates income so you’re not forced to sell at a loss. Practical, Canadian-specific guidance to make decumulation smoother and more tax efficient for the long haul.

Connect on X/Twitter and LinkedIn.

  continue reading

290 episodes

Artwork
iconShare
 
Manage episode 519037524 series 2363800
Content provided by Bruce Sellery. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Bruce Sellery or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.

Portfolio manager Matt Ardrey demystifies the RRSP-to-RRIF conversion: when it must happen, how minimum withdrawals are calculated, and ways to avoid common pitfalls like OAS clawback and large end-of-life tax bills. He covers in-kind transfers (to fund a TFSA or non-registered account without selling), coordinating multiple RRIFs, and building a portfolio that reliably generates income so you’re not forced to sell at a loss. Practical, Canadian-specific guidance to make decumulation smoother and more tax efficient for the long haul.

Connect on X/Twitter and LinkedIn.

  continue reading

290 episodes

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