If you came here looking for a smoking gun, I’m sorry to say the answer is: “It depends” An unfortunate truth of retirement—especially early retirement—is just how complex your finances can become. When it comes to optimal withdrawal strategies alone, retirees often ask: How can I maximize spending, especially in my “go-go” years when I’m young and healthy enough to seek adventures? How can I pay less taxes? What about those dreaded OAS clawbacks? What about maximizing my legacy and financial estate for my kids? What about the high taxes at death I keep being told to watch out for? When should I take OAS? CPP? What is an RRSP meltdown and should I use it? How to best use my TFSA? What should I do if I have a pension? To explore these questions and to provide guidelines to financial planners, FP Canada, the national credentialing body for financial planners, commissioned Doug Chandler, an actuary specializing in retirement research and an Associate Fe...