FAQ: Can I Convert an RRSP to RRIF Before Age 55?

At the moment the platform does limit the RRSP to RRIF conversion to age 55 or later (just to align with most provinces LIRA to LIF conversion rules).

There is no tax or income splitting benefit from an earlier conversion so you can simply plan RRSP withdrawals and it will have the same effect. Using the RRSP Meltdown strategy is a great way to do this, but you can also add specific RRSP withdrawal overrides in Planning > Projections > Table.