10 Retirement Moves Canadians Must Make Before Retiring

Описание: Book a call with me here: https://dldfinancialgroup.as.me/?appo...

Most Canadians believe retirement planning is about how much money they’ve saved. But what really determines success or failure in retirement isn’t the size of your portfolio — it’s the decisions you make in the five to ten years before you stop working.

I’ve seen people with strong savings still struggle in retirement because they missed key planning opportunities around taxes, CPP timing, OAS clawbacks, RRSP withdrawals, and investment risk. I’ve also seen others retire confidently — not because they had more money, but because they made the right moves at the right time.

In this guide, I walk through 10 essential retirement planning moves every Canadian should consider before retiring, including how to build a realistic retirement budget, maximize TFSA contributions, manage RRSP and RRIF taxes, decide when to take CPP and Old Age Security, reduce OAS clawbacks, review investment risk, understand pension options, and create a formal retirement income plan.

This is about more than retirement savings — it’s about turning what you’ve built into reliable, tax-efficient income that lasts. The five to ten years before retirement are a critical planning window, and the decisions made during this time can impact your taxes, income flexibility, and financial confidence for decades.

If you’re approaching retirement and want clarity around your next steps, book a free retirement strategy call using the link above. We’ll review where you are today and identify the planning moves that may still be available to you.









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