If one spouse is expected to have a higher income at retirement, what should the financial planner recommend? Question 23 options: the higher income spouse should make contributions into a spousal RRSP in the name of the lower income spouse the higher income spouse should contribute to an RRSP in his or her name the higher income spouse should invest in an income generating property and gift it to the lower income spouse the higher income spouse should invest his or her savings in a joint non-registered account with the lower income spouse