In Episode 5 of Retirement Unpacked, Adam and Brett tackle a wide range of retirement questions from our community. We cover the RRSP meltdown strategy when your TFSA is maxed, why avoiding “zero-tax years” can lower lifetime taxes, and how a cash-wedge approach helps protect income during market swings. We dig into the pros and cons of reverse mortgages vs. downsizing, the simplest ways to transfer a home in your estate (especially for those without kids), and the smarter order for drawing from RRSPs and non-registered accounts.We also explore how donating securities in-kind can provide a bigger tax benefit than cash, LIRA to LIF unlocks that many Canadians overlook, and how to think about major market swings without derailing your plan. Packed with practical examples and real viewer questions, this episode is a must-listen if you want to make smarter, tax-efficient decisions in retirement.Links:FREE Decumulation 101 Course: https://www.parallelwealth.com/offers/VzwEVF5b/checkoutCash Wedge Video: https://youtu.be/avqo8U7M7fsMoney.ca Article: https://money.ca/managing-money/how-to-earn-money/here-are-the-top-7-habits-of-quietly-wealthy-canadians

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