The $100,000 RRSP Mistake
How to Use RRSPs, TFSAs and ‘The Meltdown’ to Avoid Massive Retirement Taxes
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The $100,000 RRSP Mistake
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Lu par :
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Virginia TheVoice
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De :
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Trevor Carson
Most Canadians with a well-funded RRSP are making a silent, six-figure mistake — and their advisor isn't telling them.
When your RRSP converts to a RRIF at age 71, mandatory withdrawals stack on top of CPP and OAS. Without a drawdown strategy, the result is a marginal tax rate above 40% for the rest of your life. A decade of deliberate planning could save you $90,000 or more. Most people never have that conversation.
This book is the conversation your advisor should have had with you.
Written by Trevor Carson, CFA — with 20 years in Canadian capital markets and corporate finance — this guide covers:
- The RRSP meltdown strategy: when to start drawing down and why
- TFSA vs. RRSP: which account holds the wrong investments right now
- The LIRA most Canadians forget they have — and how to unlock it
- Spousal RRSP income splitting: the couples' tax advantage almost nobody uses
- A decade-by-decade action plan: what to do at 45, 55, and 65
- 10 questions to ask your advisor — and what their answer tells you
Clear. Specific. No product to sell. This is the plain-language retirement tax guide that should be in every Canadian's hands before they turn 60.
©2026 Trevor Carson (P)2026 Trevor Carson
