RRSPs in Retirement: Meltdowns and RRIF Timing - September 2025 Case Study

In this webinar we explore RRSPs in retirement. We review the fundamentals of RRSP/RRIF planning, and then dive into evaluating RRIF timing, and test whether an RRSP meltdown works in your plan.

We then look at two case studies exploring the trade-offs of melting down an RRSP, when it might make sense and how you can evaluate that decision on the platform.

• 4:28 - How Does a RRSP Work?
• 6:06 - When Do I Convert an RRSP to a RRIF?
• 18:26 - What is an RRSP Meltdown?
• 25:45 - Case Study #1: Melting Down a Large RRSP
• 37:27 - Case Study #2: Mixing Withdrawals Using the RRSP Meltdown

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Disclaimer: This video is for educational purposes only and does not constitute investment advice or financial advice. All information provided is for illustrative purposes only and you should not rely on such information as the primary basis of your investment, financial, or tax planning decisions. Every effort has been made to ensure the accuracy of its contents. No representations, warranties or guarantees are made as to the accuracy of any estimates or calculations provided. Nothing in this material should be construed as investment or tax advice, or a solicitation or offer, or recommendation, to buy or sell any financial product or securities. Before making any financial decision, you should review your situation with a financial planner.