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What Happens to Your RRSP When You Die
What happens if you do nothing with your RRSP/RRIF? When you pass away, CRA can treat the full balance as income on your final (terminal) tax return—so it all gets taxed in one year, often at the highest rate. We break down a simple $1M example, why “waiting until 71” can push you into high brackets in retirement, and how big withdrawals ...
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