Resources

Plan your retirement, one decision at a time.

Focused articles on the decisions that matter: when to take QPP, how to draw down, what to do at 71. Start with the guide, or dive into your question.

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Savings

Drawdown

Savings

Withdrawal order: RRSP, TFSA, RRIF

The RRSP TFSA RRIF withdrawal order follows no single rule in Quebec. Here's the decision framework for managing taxable income, year by year.

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LIRA / LIF

Savings

Unlocking a LIRA or LIF in Quebec

Unlocking a LIRA or LIF in Quebec depends on your age and the law governing the originating plan. What the 2025 reform changed for those 55 and over.

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RRSP / RRIF

Savings

Converting an RRSP to a RRIF at 71

Your RRSP becomes a RRIF at 71. The RRIF minimum withdrawal table by age — 5.28% at 71, then rising — and how to prepare for it.

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Tax

GIS

Tax

Guaranteed Income Supplement: eligibility

GIS eligibility in Quebec hinges on net income — an RRSP withdrawal counts, a TFSA withdrawal doesn't. The timing of your withdrawals changes everything.

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OAS / Tax

Tax

OAS clawback in Quebec: the 2026 threshold

Above $95,323 of net income (2026 income year), Old Age Security is clawed back at 15%. How the threshold works and how to stay below it.

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Tax

Age and pension tax credits in Quebec

The federal age amount is worth up to $9,208 in 2026 — and shrinks as income rises. How the age and pension credits work, federal and Quebec.

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Tax

Pension Income Splitting in Quebec

In Quebec, pension income splitting requires age 65 — while federally a registered pension annuity splits earlier. The exact rule, without the confusion.

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Planning

Planning

How much do you need to retire in Quebec

The 70% rule and the 4% rule give you a number, not an answer. Here's the Quebec method for estimating how much you need to retire.

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RREGOP

RREGOP

Coordinating RREGOP and the QPP at 65

At 65, your RREGOP pension is coordinated with the QPP and drops — about 0.7% × years of service (max 35) × the MPE — whether or not you claim the QPP.

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RREGOP

Federal PSPP vs RREGOP: two pensions compared

The federal public service plan and RREGOP: accrual rate, bridge benefit, unreduced age. What really separates the two defined-benefit pensions.

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RREGOP

The RREGOP bridge benefit until 65

Bridge benefit and coordination are often confused. One adds income before 65, the other subtracts from your RREGOP pension at 65: here's the difference.

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RREGOP

RREGOP and early retirement: the real cost

A 0.5% reduction per month, coordination at 65, indexing by band of service. How to calculate what early RREGOP retirement really costs, with two examples.

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RREGOP

RREGOP service buyback: is it worth it?

Actuarial cost versus a guaranteed indexed pension for life: how to judge whether a RREGOP service buyback in Quebec is worth it — no rule of thumb.

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RRQ

RRQ

RRQ (QPP): should you claim it at 60, 65 or 70?

The QPP pension drops 0.5–0.6% per month before 65 and climbs 0.7% per month after, up to 72. How to decide based on longevity, other income, and tax.

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RRQ

Working while collecting the QPP in Quebec

Working while collecting QPP supplement: your pension never drops, but tax, the GIS and OAS can eat the gain. Here's how to tell if it pays for you.

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