Selling Your Rental Property? Here's the OAS Problem Nobody Warns You About

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I'm walking you through the OAS clawback trap that catches thousands of Canadian retirees by surprise.
When you sell a rental property or cottage, that capital gain can wipe out your Old Age Security pension for an entire year.
I explain how the OAS recovery tax works, why one property sale triggers a full clawback, and crucial tax planning and retirement tax strategies to avoid this common pitfall in Canadian retirement planning, ensuring your retirement income strategies remain intact.


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TIMESTAMP
0:00 - The Capital Gains Trap
0:36 - Understanding The OAS Clawback
2:51 - The One-Time Sale That Triggers the Clawback
5:39 - How To Defend Your Pension
5:53 - Strategy #1: Time the Sale
6:37 - Strategy #2: Strategic RRSP Contributions
7:36 - Strategy #3: Income Splitting
8:14 - Strategy #4: The Critical Form
9:14 - The Appeal Process



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[Link to retirement planning playlist.    • Retirement Planning   ]


📌 ABOUT THIS CHANNEL:
I'm Toyin, a CPA and financial planner helping Canadians navigate retirement planning with clear, practical advice. Subscribe for weekly videos on Canadian personal finance, retirement strategies, tax planning, and wealth building.

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⚠️ DISCLAIMER:
This video is for educational purposes only and should not be considered personalized financial advice. The strategies discussed may not be suitable for everyone. Please consult with a qualified financial advisor or tax professional before making financial decisions. Tax rules and OAS thresholds are subject to change.

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