In this episode of the Retirement IQ Podcast, retirement wealth coach John Springer tackles a concern he hears all the time from friends and family: “I wish I’d never bought RRSPs.” That frustration usually comes from the shock of paying tax when RRSP money is withdrawn. In this episode, John sets the record straight and explains why RRSPs are not the problem — poor planning is. John walks through how RRSPs are designed to work, from tax-deductible contributions during high-earning years to t...
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In this episode of the Retirement IQ Podcast, retirement wealth coach John Springer tackles a concern he hears all the time from friends and family: “I wish I’d never bought RRSPs.” That frustration usually comes from the shock of paying tax when RRSP money is withdrawn. In this episode, John sets the record straight and explains why RRSPs are not the problem — poor planning is. John walks through how RRSPs are designed to work, from tax-deductible contributions during high-earning years to t...
In this episode of the Retirement IQ Podcast, retirement wealth coach John Stregger takes a closer look at one of Canada’s most important retirement benefits, Old Age Security (OAS). Building on last week’s discussion about the Canada Pension Plan (CPP), John explains how OAS works, who qualifies, and how to make the most of this lifetime benefit. Learn why OAS is a taxable benefit starting at age 65, how your income affects what you receive, and what happens if you cross the OAS clawback thr...
Retirement IQ
In this episode of the Retirement IQ Podcast, retirement wealth coach John Springer tackles a concern he hears all the time from friends and family: “I wish I’d never bought RRSPs.” That frustration usually comes from the shock of paying tax when RRSP money is withdrawn. In this episode, John sets the record straight and explains why RRSPs are not the problem — poor planning is. John walks through how RRSPs are designed to work, from tax-deductible contributions during high-earning years to t...
