Avoid Unwanted Income Surprises in Retirement
Converting an RRSP to a RRIF is often treated as a finish line. But it’s also the beginning of a new set of important retirement decisions.
Once withdrawals start, choices around how much you withdraw, when you take them, and which assets fund those withdrawals can shape long-term outcomes.
This guide highlights 7 RRIF decisions that still matter after conversion, so you can understand the implications before small choices compound into bigger constraints.
Download the free guide and learn
- Which RRIF decisions continue to shape taxes, income, and risk long after conversion
- Where default withdrawal choices can create unintended trade-offs over time
- How withdrawal amounts, timing, and investment structure work together — or against each other
- How flexibility can quietly erode, and what to watch before it does
Our goal in sharing this guide is to help you approach RRIF withdrawals with greater clarity and confidence. Not just by optimizing for any given tax year, but by helping you understand the decisions that shape outcomes over your retirement.
It’s also an opportunity to show you how we think about managing retirement portfolios. At Hemisphere, we focus on thoughtful decision-making. We manage portfolios directly, invest alongside our clients, and act with a fiduciary responsibility to keep your goals at the center of every decision.
If what you’ve read resonates and you’d like to explore how our approach could support managing your RRIF and other retirement assets, we invite you to schedule an introduction. There’s no pressure or obligation — just an open and honest conversation
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