OAS Clawback 2026: Saved for Retirement? CRA Takes $9,000 Anyway

Описание: OAS Clawback 2026: How the CRA takes $9,000 from Canadian retirees who saved for retirement. Learn about the dividend gross-up phantom income trap and the $93,454 threshold that triggers a 58% effective tax rate.

The Old Age Security clawback hits middle-class Canadians who invested in dividend-paying stocks. If you earn over $93,454 in 2026, the government claws back 15¢ for every dollar above that limit. But here's the trap most don't know: the CRA "grosses up" your dividends by 38% for the OAS calculation.

This means $10,000 in actual dividend income gets reported as $13,800 of phantom income you never received. This artificial inflation pushes thousands of Canadians over the clawback threshold, costing them hundreds—even thousands—in lost OAS benefits every year.

In this video, we expose the dividend gross-up trap, explain why you face a 58% effective marginal tax rate in the clawback zone, and reveal the only two strategies proven to protect your OAS benefits: the TFSA Shield and Income Splitting.

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✅ 2026 OAS clawback threshold calculator
✅ Dividend gross-up calculator for your portfolio
✅ Step-by-step income splitting checklist
✅ TFSA withdrawal strategy template

⏱️ VIDEO CHAPTERS
0:00 - The "Success Penalty" Explained
0:45 - What is the OAS Clawback and How Does It Work?
1:30 - The Dividend Gross-Up Trap (Phantom Income)
2:15 - Sarah's Story: $85K Real Income = $98K Phantom
2:45 - The 58% Effective Tax Rate No One Talks About
3:15 - Why This Hits Middle-Class Retirees Hardest
3:30 - Solution #1: The TFSA Shield Strategy
4:30 - Solution #2: Income Splitting for Couples
5:30 - Michael & Linda: How They Saved $540/Year
6:00 - Map Your Income Sources Before You Retire

💡 KEY FACTS ABOUT OAS CLAWBACK 2026
• Threshold: $93,454 net income (2026 projection)
• Clawback rate: 15% on every dollar above threshold
• Maximum income before OAS = $0: ~$150,000
• Eligible dividends grossed up by 38% for calculation
• Combines with provincial tax for 53-58% marginal rate
• TFSA withdrawals are invisible to clawback
• Pension splitting can save $500-$1,000+ annually

🎯 WHO THIS VIDEO HELPS
✓ Canadian retirees age 60-70
✓ Anyone holding dividend stocks in non-registered accounts
✓ RRSP/RRIF holders approaching mandatory withdrawals
✓ Couples with unequal retirement income
✓ Middle-class savers with $500K-$2M portfolios

📌 RELATED VIDEOS ON CANADIAN RETIREMENT
🎥 CPP Death Benefit: Why You Only Get $2,500 (Frozen Since 1998)
🎥 RRSP at Death: CRA Takes $265,000 From Your $500K (53% Tax)
🎥 TFSA 2026 Limit: Stop Contributing $8,000 (CRA Warning)
🎥 CPP at 60 vs 70: The $200K Mistake

📚 OFFICIAL RESOURCES
Canada.ca OAS Overview: [link]
CRA Dividend Tax Credit Info: [link]
Service Canada Contact: 1-800-277-9914

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⚠️ DISCLAIMER
This video is for educational purposes only and does not constitute financial advice. Consult with a licensed financial advisor or tax professional before making retirement decisions. Tax rates and thresholds are subject to change by the Government of Canada.

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