Insights for Canadian advisors.
Practical guides on CPP/OAS optimization, retirement income, tax planning, and how to do more plans in less time.
From the PlanBase team.
OAS Deferral to 70: The Case Most Advisors Aren't Making Strongly Enough
Most clients take Old Age Security at 65 without thinking twice. It shows up, they take it. But for a growing segment of healthier, still-working, or tax-burdened clients in their mid-60s, deferring OAS to age 70 is one of the highest-re...
The RRIF Withdrawal Trap: Why Minimum Withdrawals Are a Tax Problem in Disguise
When clients convert their RRSP to a RRIF, the default assumption is simple: take the minimum each year and let the rest grow. It feels prudent. It preserves the account. It defers tax.
Pension Income Splitting in 2026: Still the Most Underused Strategy in Retirement
Pension income splitting has been available to Canadians since 2007. It's not new. It's not complicated. And yet, according to CRA data, a significant proportion of eligible retirees don't use it, and many who do use it aren't applying i...
The Business Owner Retirement Blind Spot: What to Do With Corporate Retained Earnings
For many self-employed Canadians and incorporated professionals, the largest retirement asset isn't their RRSP or their home. It's retained earnings sitting inside their corporation.
The Sandwich Generation Financial Plan: When Clients Are Caught Between Kids and Aging Parents
There's a growing segment of clients in their late 40s and 50s who are caught in a financial squeeze that didn't exist for their parents' generation at the same intensity: they're supporting adult children who can't yet afford to live in...
TFSA vs. RRSP in 2026: A Decision Framework That Actually Works for Every Client Type
"Should I put it in my TFSA or my RRSP?"
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