STOP! Maxing Out Your RRSP Can Wreck Your Retirement

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For decades, Canadians have been told the same thing: max out your RRSP every single year. But what if that advice isn’t always right?

In this video, I’ll walk you through three specific times when maxing out your RRSP could actually backfire—leaving you with higher taxes, reduced flexibility, or even Old Age Security clawbacks in retirement.

I’ve sat across from professionals and business owners who did everything “by the book,” only to realize in their 50s and 60s that their RRSP strategy had created a six-figure tax problem they didn’t see coming.

RRSPs are powerful tools, but they are not perfect. Blindly stuffing them year after year can set you up for bigger headaches later. That’s why I’ll explain:

Why high-income Canadians with strong retirement goals may not want to over-contribute

How missing a withdrawal strategy can trigger unnecessary taxes and OAS clawbacks

Why business owners often have better corporate options than relying solely on RRSPs

If you want to retire confidently and actually keep more of what you’ve saved, this video will give you the clarity you need.

Like this video, subscribe for more Canadian retirement strategies, and leave a comment below—do you max out your RRSP every year, or are you starting to rethink it?

And if you’d like a personalized look at whether maxing your RRSP is really the best strategy for your situation, click the link in the description to book a free retirement strategy call with me and my team at DLD Financial.










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