Taxes in Retirement:7 Ways to Keep More Income from CPP, OAS, and RRIFs

Retiring soon? Already retired? Don’t leave your hard-earned savings to chance!

Join us November 22nd at 11:00AM at the Brant Hills Community Centre, Room 1, for a must-see session that reveals how to make your money last, minimize taxes, and avoid costly retirement mistakes.

There’s no single way to retire — but the wrong plan can drain your savings fast. Learn how to keep more of what you’ve earned and enjoy the freedom you’ve worked for.

👥 Who This Is For: Retirees and near-retirees (55+) in the Burlington and Oakville area who want higher after-tax income, fewer surprises, and a clear withdrawal plan.

💡 What This Presentation Covers

• 🧾 The Building Blocks of Retirement Income — How CPP, OAS, RRSPs, RRIFs, TFSAs, and pensions all work together to fund your retirement.
• 💰 CPP & OAS Timing Decisions — Learn when to take government benefits to maximize lifetime income and minimize clawbacks.
• 📉 Avoiding the Tax Trap — Understand how tax brackets, pension splitting, and strategic withdrawals can save you thousands over time.
• 📊 RRIF & Withdrawal Planning — How to build a “meltdown strategy” to draw income efficiently while preserving capital.
• 🏦 TFSA Optimization — Why it’s one of your most powerful retirement tools — and how to use it correctly alongside RRSPs and RRIFs.
• 💸 Investment Fees Matter — See how high-cost mutual funds quietly reduce your long-term income — and how low-cost models can help your savings last longer.
• ❤️ Protecting Your Spouse & Legacy — Learn how to ensure your loved ones are financially secure and minimize “estate taxes” on what you leave behind.