A Spousal RRSP is a type of Registered Retirement Savings Plan designed to help families build retirement savings together while also supporting long-term tax planning strategies. Instead of contributing to your own RRSP, you contribute to an RRSP in your spouse’s or common-law partner’s name.
You receive the tax deduction, while the account is owned by your spouse and taxed in their hands at withdrawal, ideally at a lower tax rate. This approach can help reduce your combined household taxes during retirement.
In summary, a Spousal RRSP can be part of a tailored strategy for long-term tax reduction and equitable retirement income distribution between partners.
By contributing strategically, you may lower total household taxes in retirement while maximizing the benefits of RRSP savings as a family.
Direct: 236-427-3873
Cell: 604-916-5289
Office: 866-463-8972
Fax: 866-463-8972
Paulo Sergio Moulatlet, CFP
Investment Funds Advisor, Investia Financial Services Inc.
Life Insurance Advisor
404-1688 152 St Surrey,
BC V4A 4N2
Mutual funds, exempt market products and exchange traded funds are offered through Investia Financial Services Inc. The particulars contained herein were obtained from sources which we believe reliable but are not guaranteed by us and may be incomplete. The opinions expressed on this website have not been approved by and are not those of Investia Financial Services Inc. This website is not deemed to be used as a solicitation in a jurisdiction where this Investia representative is not registered.
