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Before you convert your RRSP to a RRIF, check this. Check #1: Are you using the “mini-RRIF” at 65? If you’re 65 , converting a small portion of savings can create eligible pension income and access the pension income tax credit (Federal Ontario). Check #2: Will age-71 mandatory withdrawals push you into OAS clawback? OAS clawback starts at $93,454 of net income. Planning withdrawals from 65–71 may help smooth income. Check #3: Do you have a withdrawal order? Using a mix of non-registered, regist
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