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You meet with your client Janice for an annual review; she's a high-income earner and expects her marginal tax rate to decrease during retirement. Janice

You meet with your client Janice for an annual review; she's a high-income earner and expects her marginal tax rate to decrease during retirement. Janice tells you she thinks she should contribute to her TFSA. However, after a discussion with Janice, you advised her that contributing to her TFSA would not be an appropriate strategy. Which of your findings was most relevant in supporting this ?

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