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Most Canadians don’t realize their Old Age Security can quietly get clawed back - costing them thousands every year 💸 Here’s how to protect yourself: 1️⃣ Delay OAS → Waiting a few years can actually increase your guaranteed monthly income for life. 2️⃣ Coordinate RRSP/RRIF Withdrawals → Timing matters. Plan withdrawals strategically so you don’t push your taxable income into clawback territory. 3️⃣ Smooth Your Income Year-to-Year → Avoid big income spikes from one-time events (like capital gain
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Most Canadians don’t realize their Old Age Security can quietly get clawed back - costing them thousands every year 💸 Here’s how to protect yourself: 1️⃣ Delay OAS → Waiting a few years can actually increase your guaranteed monthly income for life. 2️⃣ Coordinate RRSP/RRIF Withdrawals → Timing matters. Plan withdrawals strategically so you don’t push your taxable income into clawback territory. 3️⃣ Smooth Your Income Year-to-Year → Avoid big income spikes from one-time events (like capital gain
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