{"id":1532,"date":"2024-10-09T20:00:26","date_gmt":"2024-10-09T20:00:26","guid":{"rendered":"https:\/\/elitewmg.com\/rrif\/"},"modified":"2025-01-03T22:50:22","modified_gmt":"2025-01-03T22:50:22","slug":"rrif","status":"publish","type":"page","link":"https:\/\/elitewmg.com\/zh\/services\/rrif\/","title":{"rendered":"RRIF"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1532\" class=\"elementor elementor-1532\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-72ad3c1a e-con-full e-flex e-con e-parent\" data-id=\"72ad3c1a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-678cf6f3 script-chinese elementor-widget elementor-widget-heading\" data-id=\"678cf6f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">RRIF<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-17ece77d e-flex e-con-boxed e-con e-parent\" data-id=\"17ece77d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59a3a148 elementor-widget__width-inherit elementor-widget elementor-widget-spacer\" data-id=\"59a3a148\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-11e44af3 e-con-full e-flex e-con e-child\" data-id=\"11e44af3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59661108 elementor-widget elementor-widget-image\" data-id=\"59661108\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"534\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/elitewmg.com\/wp-content\/uploads\/2024\/11\/concept-of-pension-or-retirement-plan-on-yellow-ba-2023-11-27-05-00-51-utc-1024x683.jpg\" class=\"attachment-large size-large wp-image-1821 lazyload\" alt=\"\" data-srcset=\"https:\/\/elitewmg.com\/wp-content\/uploads\/2024\/11\/concept-of-pension-or-retirement-plan-on-yellow-ba-2023-11-27-05-00-51-utc-1024x683.jpg 1024w, https:\/\/elitewmg.com\/wp-content\/uploads\/2024\/11\/concept-of-pension-or-retirement-plan-on-yellow-ba-2023-11-27-05-00-51-utc-300x200.jpg 300w, https:\/\/elitewmg.com\/wp-content\/uploads\/2024\/11\/concept-of-pension-or-retirement-plan-on-yellow-ba-2023-11-27-05-00-51-utc-768x512.jpg 768w, https:\/\/elitewmg.com\/wp-content\/uploads\/2024\/11\/concept-of-pension-or-retirement-plan-on-yellow-ba-2023-11-27-05-00-51-utc-1536x1024.jpg 1536w, https:\/\/elitewmg.com\/wp-content\/uploads\/2024\/11\/concept-of-pension-or-retirement-plan-on-yellow-ba-2023-11-27-05-00-51-utc-2048x1365.jpg 2048w, https:\/\/elitewmg.com\/wp-content\/uploads\/2024\/11\/concept-of-pension-or-retirement-plan-on-yellow-ba-2023-11-27-05-00-51-utc-18x12.jpg 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><noscript><img decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/elitewmg.com\/wp-content\/uploads\/2024\/11\/concept-of-pension-or-retirement-plan-on-yellow-ba-2023-11-27-05-00-51-utc-1024x683.jpg\" class=\"attachment-large size-large wp-image-1821 lazyload\" alt=\"\" srcset=\"https:\/\/elitewmg.com\/wp-content\/uploads\/2024\/11\/concept-of-pension-or-retirement-plan-on-yellow-ba-2023-11-27-05-00-51-utc-1024x683.jpg 1024w, https:\/\/elitewmg.com\/wp-content\/uploads\/2024\/11\/concept-of-pension-or-retirement-plan-on-yellow-ba-2023-11-27-05-00-51-utc-300x200.jpg 300w, https:\/\/elitewmg.com\/wp-content\/uploads\/2024\/11\/concept-of-pension-or-retirement-plan-on-yellow-ba-2023-11-27-05-00-51-utc-768x512.jpg 768w, https:\/\/elitewmg.com\/wp-content\/uploads\/2024\/11\/concept-of-pension-or-retirement-plan-on-yellow-ba-2023-11-27-05-00-51-utc-1536x1024.jpg 1536w, https:\/\/elitewmg.com\/wp-content\/uploads\/2024\/11\/concept-of-pension-or-retirement-plan-on-yellow-ba-2023-11-27-05-00-51-utc-2048x1365.jpg 2048w, https:\/\/elitewmg.com\/wp-content\/uploads\/2024\/11\/concept-of-pension-or-retirement-plan-on-yellow-ba-2023-11-27-05-00-51-utc-18x12.jpg 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/noscript>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-62c861fc e-con-full e-flex e-con e-child\" data-id=\"62c861fc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54d980c6 elementor-widget elementor-widget-heading\" data-id=\"54d980c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is an RRIF?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-535417d2 elementor-widget elementor-widget-text-editor\" data-id=\"535417d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A Registered Retirement Income Fund (RRIF) is a Canadian retirement account that converts savings into regular income. It serves as an extension to the RRSP and provides flexibility in withdrawal amounts, with taxes applied to withdrawn funds.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15911210 elementor-widget__width-inherit elementor-widget elementor-widget-spacer\" data-id=\"15911210\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4701a7f5 e-flex e-con-boxed e-con e-parent\" data-id=\"4701a7f5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-23244872 e-con-full e-flex e-con e-child\" data-id=\"23244872\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4beb4f4f elementor-widget elementor-widget-image\" data-id=\"4beb4f4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"72\" height=\"78\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/elitewmg.com\/wp-content\/uploads\/2023\/10\/shape.png\" class=\"attachment-large size-large wp-image-63 lazyload\" alt=\"\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"72\" height=\"78\" src=\"https:\/\/elitewmg.com\/wp-content\/uploads\/2023\/10\/shape.png\" class=\"attachment-large size-large wp-image-63 lazyload\" alt=\"\" \/><\/noscript>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e6f89c2 elementor-widget elementor-widget-heading\" data-id=\"7e6f89c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why open an RRIF?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4edefd81 e-con-full e-flex e-con e-child\" data-id=\"4edefd81\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-5ebb5354 e-con-full e-flex e-con e-child\" data-id=\"5ebb5354\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7975f2c elementor-widget elementor-widget-heading\" data-id=\"7975f2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Flexible Income<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b73dcb6 elementor-widget elementor-widget-text-editor\" data-id=\"6b73dcb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>An RRIF allows you to customize withdrawals, offering flexibility to manage income according to personal financial needs and lifestyle preferences.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a6db89c e-con-full e-flex e-con e-child\" data-id=\"4a6db89c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-303d74ef elementor-widget elementor-widget-heading\" data-id=\"303d74ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tax Advantages<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51e6566a elementor-widget elementor-widget-text-editor\" data-id=\"51e6566a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>RRIFs offer tax-deferred growth on investments. Taxes only apply upon withdrawal, and can be minimized through strategic withdrawals to meet your financial needs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f73b1c6 e-con-full e-flex e-con e-parent\" data-id=\"f73b1c6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c52ed6e elementor-widget elementor-widget-spacer\" data-id=\"6c52ed6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f65879b elementor-widget elementor-widget-image\" data-id=\"f65879b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"72\" height=\"78\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/elitewmg.com\/wp-content\/uploads\/2023\/10\/shape.png\" class=\"attachment-large size-large wp-image-63 lazyload\" alt=\"\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"72\" height=\"78\" src=\"https:\/\/elitewmg.com\/wp-content\/uploads\/2023\/10\/shape.png\" class=\"attachment-large size-large wp-image-63 lazyload\" alt=\"\" \/><\/noscript>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b27fd30 elementor-widget elementor-widget-heading\" data-id=\"b27fd30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How does RRIF work?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78f70ecb elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"78f70ecb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>An RRIF is a retirement income vehicle for retirees in Canada, converting their RRSP savings into regular income. You must convert your RRSP into RRIF in the year you turn 71. RRIFs offer the benefit of continued tax-deferred growth on investments, with income only taxed upon withdrawal.<\/p><p>There is no minimum withdrawal amount in the first year of opening an RRIF, but there is a minumum set for each age bracket. There is no maximum either, but there are tax implications that one should consider.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c5038b elementor-widget__width-initial elementor-widget elementor-widget-jet-table\" data-id=\"7c5038b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-93229b2 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Age at Start of Year<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-a751349 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">RRIF Minimum Payout Percentage<\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-f5977ab\"><td class=\"jet-table__cell elementor-repeater-item-4093ef7 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">65<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-0d9bd77 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">4.00%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-476ad46\"><td class=\"jet-table__cell elementor-repeater-item-cc20db7 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">66<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d02d78b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">4.17%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-002b503\"><td class=\"jet-table__cell elementor-repeater-item-dcb9861 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">67<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d116a41 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">4.35%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-608d52d\"><td class=\"jet-table__cell elementor-repeater-item-57208b6 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">68<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-f798bfd jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">4.55%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-4bc4702\"><td class=\"jet-table__cell elementor-repeater-item-af930e1 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">69<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-74c3343 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">4.76%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-a8c44ac\"><td class=\"jet-table__cell elementor-repeater-item-7b0a340 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">70<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-74a5d4f jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">5.00%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-f7f7075\"><td class=\"jet-table__cell elementor-repeater-item-b925af6 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">71<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-82cdee9 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">5.28%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-3ea4ab1\"><td class=\"jet-table__cell elementor-repeater-item-fe65d38 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">72<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-1b9fdac jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">5.40%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-2fe3f0f\"><td class=\"jet-table__cell elementor-repeater-item-4da4395 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">73<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-787e783 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">5.53%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-00776cc\"><td class=\"jet-table__cell elementor-repeater-item-005f982 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">74<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-90b311d jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">5.67%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-1a0d93d\"><td class=\"jet-table__cell elementor-repeater-item-81b1b22 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">75<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-e443b7e jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">5.82%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-93047b8\"><td class=\"jet-table__cell elementor-repeater-item-0770ece jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">76<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d02d934 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">5.98%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-13d0292\"><td class=\"jet-table__cell elementor-repeater-item-b53914c jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">77<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-f4eb952 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">6.17%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-484f988\"><td class=\"jet-table__cell elementor-repeater-item-935a01f jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">78<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-9925bfb jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">6.36%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-70d30d2\"><td class=\"jet-table__cell elementor-repeater-item-d188adb jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">79<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-4925d61 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">6.58%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-89549ea\"><td class=\"jet-table__cell elementor-repeater-item-61eef9f jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">80<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-e163179 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">6.82%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-e38cd4f\"><td class=\"jet-table__cell elementor-repeater-item-abb1f36 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">81<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-c06b31f jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">7.08%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-b3f2470\"><td class=\"jet-table__cell elementor-repeater-item-208dbc9 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">82<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-3acc61b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">7.38%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-2f666ef\"><td class=\"jet-table__cell elementor-repeater-item-2f1e486 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">83<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-e96c61f jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">7.71%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-32d519f\"><td class=\"jet-table__cell elementor-repeater-item-d7a8782 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">84<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-657c1ab jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">8.08%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-a34e58e\"><td class=\"jet-table__cell elementor-repeater-item-5e196fd jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">85<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-da23bfc jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">8.51%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-3df9455\"><td class=\"jet-table__cell elementor-repeater-item-e103aac jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">86<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-294efa2 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">8.99%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-204a62c\"><td class=\"jet-table__cell elementor-repeater-item-789b916 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">87<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-3210cac jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">9.55%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-0c7560f\"><td class=\"jet-table__cell elementor-repeater-item-180530a jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">88<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-c56495d jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">10.21%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-6d1069c\"><td class=\"jet-table__cell elementor-repeater-item-48b9932 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">89<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-b0b4127 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">10.99%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-978d391\"><td class=\"jet-table__cell elementor-repeater-item-4533eb7 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">90<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d6234e4 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">11.92%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-494f71a\"><td class=\"jet-table__cell elementor-repeater-item-e436bee jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">91<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-bab188c jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">13.06%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-1d2f739\"><td class=\"jet-table__cell elementor-repeater-item-b4da2c2 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">92<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-b35c2a3 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">14.49%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-2b9c1a5\"><td class=\"jet-table__cell elementor-repeater-item-b3d4005 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">93<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-bcc5b44 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">16.34%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-83bb351\"><td class=\"jet-table__cell elementor-repeater-item-83dbef7 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">94<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-54a64ca jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">18.79%<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-f6fa784\"><td class=\"jet-table__cell elementor-repeater-item-8ba8725 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">95+<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-be757b8 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">20.00%<\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-40116bdd e-con-full e-flex e-con e-parent\" data-id=\"40116bdd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-a012b17 e-con-full e-flex e-con e-child\" data-id=\"a012b17\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2acc0003 elementor-widget elementor-widget-heading\" data-id=\"2acc0003\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who can open one?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79fcc3ae elementor-widget elementor-widget-text-editor\" data-id=\"79fcc3ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You can open an RRIF as early as 55 years of age.<\/p><p>However, you must convert your RRSP into and RRIF at age 71.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bf0122d e-con-full e-flex e-con e-child\" data-id=\"bf0122d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-faed201 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"faed201\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tax Treatment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"jet-tooltip-widget elementor-element elementor-element-a9a265d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" role=\"tooltip\" data-jet-tricks-settings=\"{&quot;tooltip&quot;:&quot;true&quot;,&quot;tooltipDescription&quot;:&quot;&lt;p&gt;&lt;em&gt;No tax on your savings account&lt;\\\/em&gt;&lt;\\\/p&gt;&quot;,&quot;tooltipPlacement&quot;:&quot;top&quot;,&quot;tooltipArrow&quot;:true,&quot;xOffset&quot;:0,&quot;yOffset&quot;:0,&quot;tooltipAnimation&quot;:&quot;fade&quot;,&quot;tooltipTrigger&quot;:&quot;mouseenter&quot;,&quot;zIndex&quot;:999,&quot;customSelector&quot;:&quot;&quot;,&quot;delay&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]}}\" data-id=\"a9a265d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"jet-tricks-tooltip-content-a9a265d\" class=\"jet-tooltip-widget__content\"><p><em>No tax on your savings account<\/em><\/p><\/div>\t\t\t\t<p>Tax-Free?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4509122 elementor-widget__width-initial elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"4509122\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d07b347 elementor-widget__width-initial elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"d07b347\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"jet-tooltip-widget elementor-element elementor-element-6ab5b7f elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" role=\"tooltip\" data-jet-tricks-settings=\"{&quot;tooltip&quot;:&quot;true&quot;,&quot;tooltipDescription&quot;:&quot;&lt;p class=\\&quot;p1\\&quot;&gt;&lt;i&gt;Reduces your taxable income&lt;\\\/i&gt;&lt;\\\/p&gt;&quot;,&quot;tooltipPlacement&quot;:&quot;top&quot;,&quot;tooltipArrow&quot;:true,&quot;xOffset&quot;:0,&quot;yOffset&quot;:0,&quot;tooltipAnimation&quot;:&quot;fade&quot;,&quot;tooltipTrigger&quot;:&quot;mouseenter&quot;,&quot;zIndex&quot;:999,&quot;customSelector&quot;:&quot;&quot;,&quot;delay&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]}}\" data-id=\"6ab5b7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"jet-tricks-tooltip-content-6ab5b7f\" class=\"jet-tooltip-widget__content\"><p class=\"p1\"><i>Reduces your taxable income<\/i><\/p><\/div>\t\t\t\t<p>Tax-Deductible?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b205f81 elementor-widget__width-initial elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"b205f81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-233cc7f elementor-widget__width-initial elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"233cc7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"jet-tooltip-widget elementor-element elementor-element-4ba171b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" role=\"tooltip\" data-jet-tricks-settings=\"{&quot;tooltip&quot;:&quot;true&quot;,&quot;tooltipDescription&quot;:&quot;&lt;p class=\\&quot;p1\\&quot;&gt;&lt;i&gt;Delay tax payment until a future period&lt;\\\/i&gt;&lt;\\\/p&gt;&quot;,&quot;tooltipPlacement&quot;:&quot;top&quot;,&quot;tooltipArrow&quot;:true,&quot;xOffset&quot;:0,&quot;yOffset&quot;:0,&quot;tooltipAnimation&quot;:&quot;fade&quot;,&quot;tooltipTrigger&quot;:&quot;mouseenter&quot;,&quot;zIndex&quot;:999,&quot;customSelector&quot;:&quot;&quot;,&quot;delay&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]}}\" data-id=\"4ba171b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"jet-tricks-tooltip-content-4ba171b\" class=\"jet-tooltip-widget__content\"><p class=\"p1\"><i>Delay tax payment until a future period<\/i><\/p><\/div>\t\t\t\t<p>Tax-Deferred?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9f1c90 elementor-widget__width-initial elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"e9f1c90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b103b42 elementor-widget__width-initial elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"b103b42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1146a399 e-con-full e-flex e-con e-parent\" data-id=\"1146a399\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5689519d elementor-widget__width-inherit elementor-widget elementor-widget-spacer\" data-id=\"5689519d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64db3584 elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"64db3584\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"72\" height=\"78\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/elitewmg.com\/wp-content\/uploads\/2023\/10\/shape.png\" class=\"attachment-large size-large wp-image-63 lazyload\" alt=\"\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"72\" height=\"78\" src=\"https:\/\/elitewmg.com\/wp-content\/uploads\/2023\/10\/shape.png\" class=\"attachment-large size-large wp-image-63 lazyload\" alt=\"\" \/><\/noscript>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f97d173 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"f97d173\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Numbers to Know<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37fbdb50 elementor-widget__width-inherit elementor-widget elementor-widget-spacer\" data-id=\"37fbdb50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-197afc05 e-con-full e-flex e-con e-child\" data-id=\"197afc05\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1775b1b elementor-widget elementor-widget-counter\" data-id=\"1775b1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">The age in which you must convert RRSP to RRIF<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"71\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"><\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-24f5e1db e-con-full e-flex e-con e-child\" data-id=\"24f5e1db\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-295bdb9d elementor-widget elementor-widget-counter\" data-id=\"295bdb9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Minimum withdrawal amount the first year<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"0\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">%<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-76c6c6e8 e-con-full e-flex e-con e-child\" data-id=\"76c6c6e8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-318f72da elementor-widget elementor-widget-counter\" data-id=\"318f72da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Minimum annual withdrawal amount at age 71<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"5.28\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">%<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-816d4df elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"816d4df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you have multiple RRSPs, you can combine all of them into one, easy-to-manage RRIF.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3dcdc9d e-con-full e-flex e-con e-parent\" data-id=\"3dcdc9d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a68daac elementor-widget elementor-widget-text-editor\" data-id=\"2a68daac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Note:<\/strong> that there are several types of RRSP accounts that you can open. This includes self-directed and spousal accounts. Contact us to see what works best for you!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-716c87c8 e-con-full e-flex e-con e-parent\" data-id=\"716c87c8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3cd288fe elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"3cd288fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ready to Invest? We can help!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2486a97e e-con-full e-flex e-con e-child\" data-id=\"2486a97e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7600f713 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"7600f713\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tCall Us\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tGive us a phone call and we can explain everything with you over the phone.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e2df2a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"1e2df2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:6043302708\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Call Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-72c70063 e-con-full e-flex e-con e-child\" data-id=\"72c70063\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1fa8a719 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"1fa8a719\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-comment-alt\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tJoin Our Seminar\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tStay informed with our seminar updates.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-481c3a29 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"481c3a29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/elitewmg.com\/zh\/register\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u8b1b\u5ea7\u767b\u8a18<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3f7f56c7 e-con-full e-flex e-con e-child\" data-id=\"3f7f56c7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7449ea78 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"7449ea78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-envelope\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSubscribe our Newsletter\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tStay informed with market insight, wealth management strategies and our seminar updates.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41bb6e20 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"41bb6e20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/form.jotform.com\/243097705224254\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Subscribe<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>RRIF What is an RRIF? A Registered Retirement Income Fund (RRIF) is a Canadian retirement account that converts savings into regular income. It serves as an extension to the RRSP and provides flexibility in withdrawal amounts, with taxes applied to withdrawn funds. Why open an RRIF? Flexible Income An RRIF allows you to customize withdrawals, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":235,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"class_list":["post-1532","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/pages\/1532","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/comments?post=1532"}],"version-history":[{"count":0,"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/pages\/1532\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/pages\/235"}],"wp:attachment":[{"href":"https:\/\/elitewmg.com\/zh\/wp-json\/wp\/v2\/media?parent=1532"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}