Pension income splitting is a tax-saving strategy that allows couples aged 65 and older to split 50% of their eligible pension income, including RRIF withdrawals, which is one of the most effective tax-saving strategies available for retirees.
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Retiree Flexibility Pension & RRIF Tax Strategies RevealedAdded:
There's been ongoing discussion too about reducing or delaying these minimums to give retirees more flexibility. Nothing has been announced or legislated as of yet. This is something though to monitor in the future federal budgets, though no changes have been made or announced at this time. On the flip side, pension income splitting rules, which allow couples 65 years and older to split 50% of your eligible pension income, including your riff withdrawals, is one of the best tax saving strategies available. Please use that wherever you can. This is something to monitor in the future budgets as well, but there's no indication of changes at this time.
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