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Did you know spouses can split RRIF income after age 65? You can split up to 50% of eligible pension income, lowering each spouse’s taxable income. For example, convert $100,000 from an RRSP into a RRIF at 65. Annual withdrawals might be $8,000 to $10,000. Split with your spouse, and each of you reports only half as taxable income. This also helps both spouses stay below OAS clawback thresholds. Spousal RRIF splitting is a simple, low-effort way to reduce household taxes. #taxsavings #taxes #mar
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