Your advisor probably never told you about the RRSP meltdown window, the LIRA you're ignoring, or the withdrawal sequence that could save your household six figures in lifetime tax.
Run your own numbers. The RRSP/RRIF Meltdown Calculator shows your projected lifetime tax bill under different drawdown sequences — no sign-up required.
Most advisory relationships are built around accumulation — not the strategic half that determines what your money actually costs you in retirement. Here's what's likely being left on the table:
At 71, your RRSP converts to a RRIF and mandatory withdrawals begin — stacked on top of CPP and OAS. Without planning, you could spend 20+ years in a 43–46% marginal bracket when you didn't have to.
Millions of Canadians have locked-in pension money sitting in a default balanced fund charging 2%+ MER — from a job they left a decade ago. Unlocking provisions most people never use exist in every province.
GICs in your TFSA. Bonds in your non-registered account. US ETFs where they attract withholding tax. Poor asset location quietly costs thousands per year with no change to what you own or your risk level.
If you had started pulling $45,000 a year from the RRSP at 58, you would have paid 22 cents on the dollar. Now those same dollars are going to cost you 46 cents.
No jargon. No selling. Just the second conversation your advisor never had with you.
Understand the actual rules of each account: what goes in, what comes out, when it's taxed, and how they interact with each other across retirement.
Discover why the same portfolio generates dramatically different after-tax returns depending purely on which investments sit inside which account — with no change in risk.
Model the order in which to draw from your accounts across a 20-30 year retirement to minimize your lifetime tax bill — before CPP, after OAS, and through mandatory RRIF minimums.
A decade-by-decade action plan for your 40s, 50s, and 65+. Know exactly which decisions are open now — and which will be irreversible if you wait.
Walk in knowing what a good answer looks like — and what a deflection sounds like. Included: exact questions on RRSP meltdown, LIRA unlocking, OAS clawback, and withdrawal sequencing.
A step-by-step framework — account audit, withdrawal map, and action list — that produces a real written plan you can revisit every January. No software. No advisor required.
Written in plain language for Canadians who have saved diligently — and deserve to know how to manage what they've built.
No filler. No generic advice. Every chapter covers the strategies that actually move the needle on lifetime tax.
Every scenario in the book is grounded in real Canadian tax math. Here's the magnitude of what's at stake.
Most of these don't feel like mistakes when they're made. Together, they can cost a single household $180,000 in unnecessary lifetime tax.
Every year of inaction in the decade before retirement is a year of planning leverage you don't get back. The strategies that save the most — the meltdown, the spousal RRSP, the LIRA unlock — all require lead time.
Whether you have a question about the strategies, want to discuss bulk orders, or are interested in working with Trevor — send a message and he'll get back to you personally.