In this episode of Retirement Unpacked, Brett and fellow PWFG planner, Michael Barichello, answer more of your retirement questions. They cover what to do after maxing your RRSP and TFSA, how DC pensions work when you leave an employer, and the implications of naming TFSA beneficiaries or adding joint owners to accounts. They also touch on income splitting, GICs in a TFSA, overcontribution penalties, and what to know about locked-in funds. If you’ve wondered whether your accounts are set up the right way, this episode brings clarity and practical guidance. Leave your questions in the comments and we may feature them next time.Advisor.ca ArticleDISCLAIMER: This content is for informational and educational purposes only and should not be considered financial, investment, tax, or estate planning advice. All investments involve risk, and past performance is not indicative of future results. Any forward-looking statements are based on assumptions and may differ from actual outcomes.Please consult a qualified professional for personalized retirement, tax, or estate planning guidance. Parallel Wealth and Adam Bornn are not responsible for decisions made based on this content.Chapters00:00 Intro & Overview00:53 Maxed RRSP & TFSA: What’s Next?05:16 Defined Contribution Pension Options08:12 Leaving Your TFSA to Children11:32 End-of-Year TFSA Contributions14:35 Assisting Elderly Parents with Finances20:00 Transferring Company Pension to an RRSP or RRIF22:12 Legacy Planning on a Defined Benefit Pension25:28 RRSP Meltdown When Working to Age 7029:33 GICs Inside a TFSA33:50 Withdrawing from a LIF After Converting35:32 RRSP vs TFSA Heading into Retirement 40:20 CPP and OAS Calculator in Today's Dollars43:55 RRIF Withdrawals Article48:11 TFSA Pitfall Tip50:25 Wrap-Up

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