Award-Winning Portfolio Manager Rob Tetrault provides insight for investors on a wide array of wealth management topics.
Constantly ranked in the Top 5 Wealth Advisors in Canada, Rob is a Senior Investment Advisor and Portfolio Manager at Tetrault Wealth from Canaccord Genuity Wealth Management.
He initially worked as a litigation lawyer at Aikins MacAulay Thorvaldson. He then completed a Finance MBA and was a member of the Dean’s list at the Asper School of Business.
The Rob Tetrault podcast show includes discussions on investment, tax, insurance, retirement and estate planning.
From RESPs to Family Trusts, Rob’s goal is to provide value and crucial information to all investors no matter what age and what their current net worth is.
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⭐️⭐️ Most Canadians discover this RRSP-to-RRIF tax trap too late
Converting your RRSP to a RRIF may be simple, but the decisions surrounding that conversion can have a major impact on your retirement income and lifetime tax bill.
In this video, Rob explains what happens when an RRSP becomes a RRIF, why waiting until age 71 to begin planning can be costly, and how RRIF minimum withdrawals affect your taxable income.
You’ll learn about early RRSP withdrawals, RRIF withdrawal strategies, the spousal age election, CPP and OAS considerations, potential OAS clawbacks, and the tax consequences of leaving a large RRIF balance in your estate.
The goal is to help Canadian retirees better understand how to manage their RRSP and RRIF income strategically rather than simply following the mandatory minimum withdrawal rules.
Whether you are already retired, approaching retirement, or beginning to plan how you will draw income from your registered accounts, these RRSP-to-RRIF planning strategies can help you ask better questions and avoid costly retirement tax mistakes.
Enjoy!
CHAPTERS: 00:00 – The RRSP to RRIF Landscape 01:02 – RRIFs Explained 01:44 – Mistake 1: Waiting Too Late 03:26 – Mistake 2: Minimum Withdrawals 04:50 – Mistake 3: The Spousal Age Election 05:42 – Mistake 4: Leaving a Large RRSP Balance 06:43 – Mistake 5: Going on Autopilot 07:36 – What You Should Do Next
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