016 | TFSA Transfers, RRSP Withdrawal Timing, & Using a Cash Wedge

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Retirement Unpacked

Parallel Wealth

20 episodes

3 days ago

Retirement Unpacked is a weekly podcast by Parallel Wealth Financial Group. Our planners break down key retirement topics for Canadians—income strategies, tax planning, CPP, OAS, TFSAs, RRSPs, RRIFs, lifestyle choices, and estate planning. We answer real questions from YouTube, emails, and client conversations, giving you practical insights and strategies to retire with confidence, clarity, and peace of mind. Join us each week as we unpack retirement together.

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016 | TFSA Transfers, RRSP Withdrawal Timing, & Using a Cash Wedge

Retirement Unpacked

58 minutes 24 seconds

2 weeks ago

016 | TFSA Transfers, RRSP Withdrawal Timing, & Using a Cash Wedge

This episode of Retirement Unpacked tackles the kinds of retirement questions Canadians actually ask once the details start to matter. Adam and Brett dig into TFSA rules, RRSP withdrawal timing, cash wedge strategies, and CPP decisions, focusing on the tradeoffs and tax considerations that can quietly shape retirement outcomes.

Key topics covered:• Moving non registered investments into a TFSA and tax implications• When to start RRSP or RRIF withdrawals• How cash wedge strategies work over time• Using all in one ETFs with a cash wedge• Structuring savings for early retirement flexibility• Supporting generational wealth without risking retirement

If you have a retirement question you would like answered in a future episode, submit it in the comments or reach out. We review them every week.

DISCLAIMER: This content is for informational and educational purposes only and should not be considered financial, investment, tax, or estate planning advice. All investments involve risk, and past performance is not indicative of future results. Any forward-looking statements are based on assumptions and may differ from actual outcomes.

Please consult a qualified professional for personalized retirement, tax, or estate planning guidance. Parallel Wealth and Adam Bornn are not responsible for decisions made based on this content.

Chapters00:00 Intro and Overview00:23 Moving Non Registered Dividend Stocks Into a TFSA02:47 Investing Within a TFSA04:48 When to Begin RRSP or RRIF Withdrawals08:45 Do All In One ETFs Work With a Cash Wedge Strategy11:09 Managing a Cash Wedge Throughout Retirement18:29 Refilling a Cash Wedge After a Down Market20:30 Practical Steps to Take When Approaching Retirement25:19 Does Permanent Life Insurance as Retirement Income Make Sense31:13 Do Low Income Years Affect CPP Timing35:29 How to Estimate Your OAS Payment37:50 MERs vs Returns and Understanding Advisor Fees44:44 Can CPP Payments Be Shared Between Spouses48:03 Real World Planning Case on Retirement Flexibility52:59 How to Achieve Generational Wealth57:39 Wrap Up