Retirement Planning
RBC Wealth Management helps convert your nest egg into regular, tax-efficient retirement income. Explore strategies for generating sustainable income while managing risk, including RRSP optimization, CPP planning, pension options, and government benefits to maximize your after-tax retirement savings.
RBC Wealth Management helps convert your nest egg into regular, tax-efficient retirement income. Explore strategies for generating sustainable income while managing risk, including RRSP optimization, CPP planning, pension options, and government benefits to maximize your after-tax retirement savings.
Orlando Lopez
Investment Advisor & Financial Planner
March 1, 2026
Retirement Checklist
Borrowing to contribute to your RRSP
Does it make sense for you? Learn more
Canada Pension Plan
Understanding the Government income you may receive. Learn more
CPP Retirement Pension Sharing
A tax planning strategy involving your retirement pension. Learn more
Create RRSP Contribution Room for A Minor
Contribution to an RRSP and earning room at an early age. Learn more
Gradually unlocking your life income fund
Provide additional flexibility should you ever require cash from your LIF. Learn more
Home Buyers’ Plan
A way to withdraw from your RRSP to buy or build a home. Learn more
Individual Pension Plans
An IPP is designed to provide asset diversification, increased retirement savings when compared to a registered retirement savings plan RRSP. Learn more
Lifelong Learning Plan
A way to withdraw from your RRSP for post-secondary education or training. Learn more
Locked - in Retirement Plans
Understand your Locked-in plans to maximize your retirement benefits. Learn more
Pension Adjustment Reversal
An explanation of how pension adjustment reversal is calculated and reported. Learn more
Pension Income Splitting
Any Reference to spouse in this article also includes a common-law partner. Learn more
Pension Plan Options when you leave your employer
There is four common options for a pension plan that may be available when employment has ended. Learn more
Registered retirement savings plan (RRSP)
The effective management of your RRSP assets, may help you accumulate savings for your retirement. Learn more
Retirement Compensation Arrangement
An RCA should be considered in the context of your overall retirement, taxation and estate planning. Learn more
Retiring allowance planning when you leave your employer
There are generally three main financial issues that need to be considered, when leaving an employer. Learn more
RRSP Deduction limit statement
Understanding and interpreting your Notice of Assessment. Learn more
RRSP Over-Contributions
The tax implications and your options. Learn more
RRSP Strategies at age 71
The following strategies can be used, even after 71, as long as you still have RRSP contribution room or continue to make room. Learn more
Ten Strategies to Pay less tax in retirement
Maximizing your after-tax retirement income. Learn more
The Pension income tax credit
How to receive a tax credit on $2,000 of your pension income. Learn more
Transferring a bonus to your RRSP without withholding tax
You can transfer your bonus or other lump sum payment to your RRSP and eliminate the requirement for withholding tax. Learn more