05/12/2026
The OAS clawback affects more Canadian retirees than you’d think…
and in most cases it's not because of one large income source. It's because several smaller ones land in the same tax year.
In this episode, I walk through exactly how the clawback works, which income sources count toward it (including foreign income like US Social Security), and the five timing strategies we use with clients to reduce the impact before it happens.
TFSA withdrawals, RRIF timing, income splitting and planning for one-time events all play a role. The goal isn't to avoid every dollar of clawback. It's to understand how your income is structured so nothing catches you off guard.
If you want to watch the full breakdown, here's the link ➡️ https://astrafinancial.ca/2026/05/04/how-the-oas-clawback-works-in-canada/
