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Taylor: Age 24, $42,000 income, employer offers DCP

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Jordan: Age 35, $90,000 income, self-employed

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Ava: Age 52, $110,000 income, catching up on retirement

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Omar: Age 45, $55,000 income, no employer plan

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Use TFSA to avoid future clawbacks

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Use TFSA to avoid future clawbacks

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Keep RRSP room for future

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Join employer pension plan for matching

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Join DCP for free match

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Maximize RRSP for tax deductions

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Maximize RRSP for tax deductions

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Consider Spousal RRSP if income-splitting helps

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Open TFSA for flexibility

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Contribute to TFSA for supplemental tax-free savings

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Avoid RRSP overcontribution (watch pension adjustment)

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Delay CPP/OAS to boost payouts

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Use TFSA if RRSP limit reached

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Review future CPP/OAS impact

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TFSA: Tax-free growth, withdrawals not taxed

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TFSA: Tax-free growth, withdrawals not taxed

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RRSP Withholding Tax: 10% to 30% on withdrawals

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RRSP Withholding Tax: 10% to 30% on withdrawals