Scenario 1 (Age 90) Net Estate
$23,683,335
Real Purchasing Power: $10,725,955
Scenario 2 (Age 95) Net Estate
$37,407,736
Real Purchasing Power: $15,344,534
Tax Saved vs. Minimum Withdrawals
+$1,186,753
By eliminating 53.5% terminal RRSP tax & OAS clawback
Active Scenario Estate Breakdown
TFSA: $17.49M | Non-Reg: $7.88M
Reg Left at Death: $0 | Final Tax Bill: $1.69M
Recommended 4-Phase Annual Withdrawal Schedule (Scenario 1: Die at Age 90)
Values shown in Today's Real Dollars (Index by inflation each year)Portfolio Balances Each Year by Account Type (Nominal $)
Shows how high-tax Registered accounts (RRSP/RRIF + LIRA/LIF) are systematically shifted into Tax-Free TFSA and Non-Registered Zero-Distribution Growth funds.
Annual Withdrawals, CPP/OAS & Taxable Income (Real $)
Stacked inflows + per-spouse taxable income after 50% RRIF splitting vs. OAS Clawback Threshold.
Strategy Comparison: Net Estate After All Taxes
Compares the Optimized 4-Phase Strategy against common alternative rules.
Scenario 1 vs. Scenario 2 Side-by-Side Summary
| Scenario | Phase 1 WD (Real) Pre-Unlock (You / Spouse) |
Phase 2 WD (Real) Post-Unlock (You / Spouse) |
Phase 3 WD (Real) Age 65–69 (You / Spouse*) |
Phase 4 Target (Real) Age 70+ Total / Spouse |
Final Reg Left | Final Non-Reg MV | Final TFSA (Tax-Free) | Final Tax Bill at Death | Net Estate (Nominal $) | Net Estate (Real $) |
|---|
Year-by-Year Withdrawal, Tax & Balance Schedule (Scenario 1 — Today's Real $)
At Age 65+, "Pension Split to Spouse" shows the RRIF amount transferred to your spouse on Form T1032 to equalize tax brackets.
| Your Age | Spouse Age | Inflation Factor | Your RRSP/IF WD | Spouse LIF WD | Spouse RRSP/IF WD | Pension Split to Spouse | Combined CPP + OAS | Total Tax Paid | Spending + TFSA | End Your RRSP/IF | End Spouse LIF + RRIF | End Non-Reg MV | End Combined TFSA | Total Portfolio |
|---|