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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⭐️⭐️ TFSA vs RRSP: Which Should You Withdraw First in Retirement?
When you retire, one of the biggest questions becomes: which account should you withdraw from first?
Should you take money from your TFSA? Your RRSP? Your non-registered account? Should you delay withdrawals? Should you preserve tax-free money as long as possible? Or should you draw down registered accounts earlier to manage future taxes?
In this video, Rob explains why there is no one-size-fits-all answer to the TFSA vs RRSP withdrawal question. The “right” order depends on your income, tax bracket, age, CPP and OAS timing, estate planning goals, flexibility needs, and how your retirement income plan is structured.
You’ll see two retiree examples that show how the same advice can lead to very different outcomes depending on the person. Rob also breaks down the biggest misconception around retirement withdrawals, why blanket advice can be dangerous, and how to think more strategically about using your TFSA, RRSP, and other retirement assets.
If you are approaching retirement or already retired, this video will help you better understand how withdrawal order can affect your taxes, flexibility, estate, and long-term retirement income.
Enjoy!
CHAPTERS: 00:00 – Intro 00:57 – The Biggest Misconception 01:33 – Two Retiree Examples 03:20 – The Issue With Blanket Advice 03:44 – Other Considerations, Flexibility & Estate Planning 06:09 – Your Biggest Takeaway 06:45 – The Next Steps
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