Taxes & benefits

The surtax on a comfortable retirement; how the OAS clawback works, and why your RRIF quietly triggers it

The OAS clawback is a 15% surtax that starts at $95,323 of net income in 2026 — and the RRIF withdrawals you're forced to make can walk you straight into it. Here's the mechanism, and the levers.

Charan A. · Jul 26, 2026 · 6 min read

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Taxes & benefits

The tax move most Canadian DIYers miss; which account holds which asset

Interest in your RRSP, U.S. dividends out of your TFSA, Canadian dividends in non-reg — asset location is the tax move most Canadian DIYers never make. Here's the map.

Jul 13, 2026 · 5 min