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I am a retiring

Switching from building to drawing down.

The decumulation phase has its own rules: withdrawal order, benefit timing, and transferring what remains.

Your priorities right now

  • CPP and OAS timing
  • Withdrawal order
  • Manage the OAS clawback
  • Estate and transfer

The pathway

  1. 01Time your benefitsTaking CPP early vs deferring, in real numbers.
  2. 02Choose a withdrawal orderNon-registered, RRIF, TFSA — sequencing matters.
  3. 03Watch the clawbackIncome thresholds that quietly cost you.
  4. 04Plan the transferWills, beneficiaries, probate and family conversations.