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John and Sandy anticipate that they will have government pensions (CPP, OAS), private pensions, non-registered accounts, TFSAs, and RRSPs at retirement. They ask you to

John and Sandy anticipate that they will have government pensions (CPP, OAS), private pensions, non-registered accounts, TFSAs, and RRSPs at retirement. They ask you to tell them your process for helping your clients achieve a tax-efficient retirement income

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