EPISODE · May 23, 2026 · 1H 7M
037 | This Simple RRSP Withdrawal Strategy Will Save You Thousands
from Retirement Unpacked · host Parallel Wealth
In episode 37 of Retirement Unpacked, Adam and Brett break down if it makes sense to withdraw more from your RRIF than you actually need, why your cashflow wedge should not be outside of your registered accounts, how to plan around an inheritance, RRSP and RRIF strategies if you are single, and much more.Later in the episode, Maria Dawes from Capstone Asset Management joins to discuss values-based investing, what it is, how to align your investing with your values and worldview, and the key questions to ask your advisor if this is something that is important to you.Chapters0:00 Intro0:16 Withdraw more from your RRIF than you need?3:39 Does income splitting have to be 50/50?7:10 Use spousal RRSP vs. collecting GIS11:05 Why can't your cashflow wedge be outside your registered accounts?15:45 Borrow from home equity to max out TFSA?19:28 How to plan for inheritances25:10 What is the benefit to lowering the OAS clawback threshold?30:34 Should you delay OAS to avoid the clawback?38:40 RRSP/RRIF strategies for singles42:45 DB survivor benefit & spousal drawdown timing48:39 What is values investing with Maria Dawes56:13 What are you really paying in fees?
What this episode covers
In episode 37 of Retirement Unpacked, Adam and Brett break down if it makes sense to withdraw more from your RRIF than you actually need, why your cashflow wedge should not be outside of your registered accounts, how to plan around an inheritance, RRSP and RRIF strategies if you are single, and much more.Later in the episode, Maria Dawes from Capstone Asset Management joins to discuss values-based investing, what it is, how to align your investing with your values and worldview, and the key questions to ask your advisor if this is something that is important to you.Chapters0:00 Intro0:16 Withdraw more from your RRIF than you need?3:39 Does income splitting have to be 50/50?7:10 Use spousal RRSP vs. collecting GIS11:05 Why can't your cashflow wedge be outside your registered accounts?15:45 Borrow from home equity to max out TFSA?19:28 How to plan for inheritances25:10 What is the benefit to lowering the OAS clawback threshold?30:34 Should you delay OAS to avoid the clawback?38:40 RRSP/RRIF strategies for singles42:45 DB survivor benefit & spousal drawdown timing48:39 What is values investing with Maria Dawes56:13 What are you really paying in fees?
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037 | This Simple RRSP Withdrawal Strategy Will Save You Thousands
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