Brandon Ma - Financial Security Advisor

PSA - only 36hours remain for you to make an impact to your 2025 income taxes.
If I can assist your RRSP questions in anyway, let me know.

RRSP planning should factor in inflation, not just tax.

RRSPs can be coordinated with pensions to avoid over-saving.

RRSP planning should consider marital breakdown risks.

RRSPs can be used for first-time home buyers through the Home Buyers’ Plan.

Spousal RRSPs help income-split in retirement — when used correctly.

RRSPs convert to RRIFs at age 71 — no exceptions.

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High-income earners usually benefit most from RRSPs.

RRSP withdrawals can trigger OAS clawbacks if not planned properly.

RRSPs aren’t just for retirement — they’re a lifetime tax-planning tool.