{"id":1964,"date":"2025-08-12T08:00:10","date_gmt":"2025-08-12T08:00:10","guid":{"rendered":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/?p=1964"},"modified":"2025-08-19T19:33:30","modified_gmt":"2025-08-19T19:33:30","slug":"thinking-a-head-planning-a-tax-efficient-withdrawal-strategy","status":"publish","type":"post","link":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\/","title":{"rendered":"THINKING A HEAD: Planning a Tax-Efficient Withdrawal Strategy"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1964\" class=\"elementor elementor-1964\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7611bf84 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7611bf84\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-48fee407\" data-id=\"48fee407\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-399672e1 elementor-widget elementor-widget-text-editor\" data-id=\"399672e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<blockquote><p style=\"text-align: center\"><em>\u201cA dollar\u2019s value depends on the tax trail it travels.\u201d<\/em><\/p><\/blockquote><p style=\"text-align: justify\">How and when you access your income sources can influence the taxes you pay, your eligibility for government benefits and your long-term financial health. Whether you\u2019re accumulating wealth, transitioning between career stages or planning for retirement, a tax-efficient withdrawal strategy can make a meaningful difference. Here is a brief look at common income sources and ideas to help you optimize withdrawals or manage income streams more effectively.<\/p><p style=\"text-align: justify\"><strong>Non-Registered Accounts<\/strong> \u2014 Tax treatment depends on the type of income: interest (fully taxable), dividends (eligible for a dividend tax credit) or capital gains (50 percent is taxable). Tax-loss harvesting can offset capital gains to reduce your overall tax bill.<\/p><p style=\"text-align: justify\"><strong>Registered Retirement Savings Plan (RRSP)<\/strong> \u2014 Withdrawals are fully taxable and subject to withholding tax. Importantly, once funds are withdrawn, contribution room is permanently lost.<\/p><p style=\"text-align: justify\"><strong>TFSA<\/strong> \u2014 Offers significant benefits as growth is tax free and withdrawals are not taxed. This means withdrawals do not affect income-tested government benefits. Any amount withdrawn can be recontributed in the following calendar year.<\/p><p style=\"text-align: justify\"><strong>Employment Income<\/strong> \u2014 If you continue to work while drawing income from other sources, consider how employment income will stack with taxable withdrawals. In high-income years, deferring benefits (if possible) or adjusting other withdrawals may help reduce the overall tax burden.<\/p><p><strong>Here are additional considerations for those nearing retirement:<\/strong><\/p><p style=\"text-align: justify\"><strong><img fetchpriority=\"high\" decoding=\"async\" class=\"alignright size-medium wp-image-3644\" src=\"https:\/\/advisor.wellington-altus.ca\/towerwealthadvisory\/wp-content\/uploads\/sites\/37\/2025\/06\/sb4-300x276.jpeg\" alt=\"\" width=\"300\" height=\"276\" \/>Canada\/Quebec Pension Plan (CPP\/QPP)<\/strong> \u2014 CPP\/QPP benefits are taxable income. Timing matters: starting early reduces benefits by 7.2 percent per year before age 65. Delaying increases payments by 8.4 percent per year after age 65, to a maximum of 42 percent by 70. The total benefit received can impact income level and tax situation.<\/p><p style=\"text-align: justify\"><strong>Old Age Security (OAS)<\/strong> \u2014 OAS is a taxable benefit starting at age 65. If you expect higher income later in life, here are two considerations: i) <strong>Clawback<\/strong>\u2014If net income exceeds $93,454 (2025), OAS is reduced by 15 percent of the excess. At $151,668 (ages 65 to 74), it is fully clawed back; and <strong>ii) Delaying OAS<\/strong>\u2014 This increases the benefit up to 36 percent by age 70.<\/p><p style=\"text-align: justify\"><strong>Registered Retirement Income Fund (RRIF)<\/strong> \u2014 Mandatory RRIF withdrawals begin the year after the RRIF is opened, increasing taxable income. Some choose to begin RRSP withdrawals earlier to manage future tax exposure or reduce the risk of triggering the OAS clawback.<\/p><p style=\"text-align: justify\"><strong>Company Pension<\/strong> \u2014 Pension income is taxable. After age 65, the pension tax credit may help offset the tax liability. Consider timing your pension\u2019s start with other sources of income to manage your tax liability.<\/p><p style=\"text-align: justify\"><strong>Don\u2019t Forget: Income Splitting<\/strong> \u2014 Couples can sometimes lower their combined tax burden by splitting certain types of income, especially when one has significantly higher income. For retirees, shifting eligible pension income may reduce taxes or the OAS clawback. In cases of continued employment, coordinating taxable income (particularly after 65) may yield tax savings over time. Planning g together can lead to better outcomes.<\/p><p style=\"text-align: justify\">Building a tax-efficient income plan involves many moving parts. Knowing how and when to draw income may help reduce taxes and preserve benefits. Alongside tax advisors, we can help develop a strategy that balances cash flow needs, tax implications and government benefits to support your long-term financial goals.<\/p><p style=\"text-align: justify\"><a href=\"https:\/\/advisor.wellington-altus.ca\/towerwealthadvisory\/\"><img decoding=\"async\" src=\"https:\/\/advisor.wellington-altus.ca\/towerwealthadvisory\/wp-content\/uploads\/sites\/37\/2024\/03\/2.png\" alt=\"\" width=\"2088\" height=\"604\" \/><\/a><\/p><p style=\"text-align: justify\"><span style=\"font-size: 8pt;color: #2c4357\">The information contained herein has been provided for information purposes only. The information has been drawn from sources believed to be reliable. Graphs, charts and other numbers are used for illustrative purposes only and do not reflect future values or future performance of any investment. The information does not provide financial, legal, tax or investment advice. Particular investment, tax, or trading strategies should be evaluated relative to each individual\u2019s objectives and risk tolerance. This does not constitute a recommendation or solicitation to buy or sell securities of any kind. Market conditions may change which may impact the information contained in this document. Wellington-Altus Financial Inc. (Wellington-Altus) is the parent company to Wellington-Altus Private Wealth Inc. (WAPW), Wellington-Altus Private Counsel Inc. (WAPC), Wellington-Altus Insurance Inc. (WAII), Wellington-Altus Group Solutions Inc. (WAGS), and Wellington-Altus USA Inc. Wellington-Altus (WA) does not guarantee the accuracy or completeness of the information contained herein, nor does WA assume any liability for any loss that may result from the reliance by any person upon any such information or opinions. Before acting on any of the above, please contact your financial advisor..<\/span><\/p><p style=\"text-align: center\"><span style=\"font-size: 8pt\">\u00a92024, Wellington-Altus Private Wealth Inc., Wellington-Altus Private Counsel Inc., Wellington-Altus Insurance Inc., Wellington-Altus Group Solutions Inc., and Wellington-Altus USA\u00a0<\/span><span style=\"font-size: 8pt\">Inc. ALL RIGHTS RESERVED. NO USE OR REPRODUCTION WITHOUT PERMISSION. <span style=\"color: #2c4357;font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-weight: var( --e-global-typography-text-font-weight );letter-spacing: var( --e-global-typography-text-letter-spacing )\">www.wellington-altus.ca<\/span><\/span><\/p><p style=\"text-align: center\"><span style=\"font-size: 10pt;color: #2c4357\"><span style=\"font-size: 8pt\">If you no longer wish to receive commercial electronic messages from Wellington-Altus Private Wealth Inc., please send an email to unsubscribe@wellington-altus.ca<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>As an investor, wouldn\u2019t it be great to travel back in time 30 years to alter the course of the future? Knowing what you know now, would you choose to do things differently?<\/p>\n","protected":false},"author":68,"featured_media":1571,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[24],"tags":[144,157,146,42,145,79,49],"class_list":["post-1964","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","tag-capital-gains","tag-financial-advice","tag-financial-freedom","tag-financial-planning","tag-wealth-advisory","tag-wealth-management","tag-wealth-planning"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>THINKING A HEAD: Planning a Tax-Efficient Withdrawal Strategy - Harvest Time Wealth<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"THINKING A HEAD: Planning a Tax-Efficient Withdrawal Strategy - Harvest Time Wealth\" \/>\n<meta property=\"og:description\" content=\"As an investor, wouldn\u2019t it be great to travel back in time 30 years to alter the course of the future? Knowing what you know now, would you choose to do things differently?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\/\" \/>\n<meta property=\"og:site_name\" content=\"Harvest Time Wealth\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-12T08:00:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-19T19:33:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/wp-content\/uploads\/sites\/183\/2025\/02\/HT-WA-ARTICLE-1024x576.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"576\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tower Wealth Advisory\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tower Wealth Advisory\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\\\/\"},\"author\":{\"name\":\"Tower Wealth Advisory\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/#\\\/schema\\\/person\\\/1b45ba2fb63cc7f1961837111e732407\"},\"headline\":\"THINKING A HEAD: Planning a Tax-Efficient Withdrawal Strategy\",\"datePublished\":\"2025-08-12T08:00:10+00:00\",\"dateModified\":\"2025-08-19T19:33:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\\\/\"},\"wordCount\":764,\"publisher\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/wp-content\\\/uploads\\\/sites\\\/183\\\/2025\\\/02\\\/HT-WA-ARTICLE.png\",\"keywords\":[\"Capital Gains\",\"financial advice\",\"Financial Freedom\",\"financial planning\",\"wealth advisory\",\"wealth management\",\"wealth planning\"],\"articleSection\":[\"Articles\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\\\/\",\"url\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\\\/\",\"name\":\"THINKING A HEAD: Planning a Tax-Efficient Withdrawal Strategy - Harvest Time Wealth\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/wp-content\\\/uploads\\\/sites\\\/183\\\/2025\\\/02\\\/HT-WA-ARTICLE.png\",\"datePublished\":\"2025-08-12T08:00:10+00:00\",\"dateModified\":\"2025-08-19T19:33:30+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\\\/#primaryimage\",\"url\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/wp-content\\\/uploads\\\/sites\\\/183\\\/2025\\\/02\\\/HT-WA-ARTICLE.png\",\"contentUrl\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/wp-content\\\/uploads\\\/sites\\\/183\\\/2025\\\/02\\\/HT-WA-ARTICLE.png\",\"width\":1920,\"height\":1080},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"THINKING A HEAD: Planning a Tax-Efficient Withdrawal Strategy\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/#website\",\"url\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/\",\"name\":\"Harvest Time Wealth\",\"description\":\"Wellington-Altus Private Wealth\",\"publisher\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/#organization\",\"name\":\"Harvest Time Wealth\",\"url\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/wp-content\\\/uploads\\\/sites\\\/183\\\/2025\\\/12\\\/Harvest-Time.png\",\"contentUrl\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/wp-content\\\/uploads\\\/sites\\\/183\\\/2025\\\/12\\\/Harvest-Time.png\",\"width\":599,\"height\":250,\"caption\":\"Harvest Time Wealth\"},\"image\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/harvest-time-wealth\\\/#\\\/schema\\\/person\\\/1b45ba2fb63cc7f1961837111e732407\",\"name\":\"Tower Wealth Advisory\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/27fe8d35555926c9c81143774f0fca7d83519be440c4759ae39d82cd36a85a28?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/27fe8d35555926c9c81143774f0fca7d83519be440c4759ae39d82cd36a85a28?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/27fe8d35555926c9c81143774f0fca7d83519be440c4759ae39d82cd36a85a28?s=96&d=mm&r=g\",\"caption\":\"Tower Wealth Advisory\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"THINKING A HEAD: Planning a Tax-Efficient Withdrawal Strategy - Harvest Time Wealth","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\/","og_locale":"en_US","og_type":"article","og_title":"THINKING A HEAD: Planning a Tax-Efficient Withdrawal Strategy - Harvest Time Wealth","og_description":"As an investor, wouldn\u2019t it be great to travel back in time 30 years to alter the course of the future? Knowing what you know now, would you choose to do things differently?","og_url":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\/","og_site_name":"Harvest Time Wealth","article_published_time":"2025-08-12T08:00:10+00:00","article_modified_time":"2025-08-19T19:33:30+00:00","og_image":[{"width":1024,"height":576,"url":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/wp-content\/uploads\/sites\/183\/2025\/02\/HT-WA-ARTICLE-1024x576.png","type":"image\/png"}],"author":"Tower Wealth Advisory","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Tower Wealth Advisory","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\/#article","isPartOf":{"@id":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\/"},"author":{"name":"Tower Wealth Advisory","@id":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/#\/schema\/person\/1b45ba2fb63cc7f1961837111e732407"},"headline":"THINKING A HEAD: Planning a Tax-Efficient Withdrawal Strategy","datePublished":"2025-08-12T08:00:10+00:00","dateModified":"2025-08-19T19:33:30+00:00","mainEntityOfPage":{"@id":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\/"},"wordCount":764,"publisher":{"@id":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/#organization"},"image":{"@id":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\/#primaryimage"},"thumbnailUrl":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/wp-content\/uploads\/sites\/183\/2025\/02\/HT-WA-ARTICLE.png","keywords":["Capital Gains","financial advice","Financial Freedom","financial planning","wealth advisory","wealth management","wealth planning"],"articleSection":["Articles"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\/","url":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\/","name":"THINKING A HEAD: Planning a Tax-Efficient Withdrawal Strategy - Harvest Time Wealth","isPartOf":{"@id":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/#website"},"primaryImageOfPage":{"@id":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\/#primaryimage"},"image":{"@id":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\/#primaryimage"},"thumbnailUrl":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/wp-content\/uploads\/sites\/183\/2025\/02\/HT-WA-ARTICLE.png","datePublished":"2025-08-12T08:00:10+00:00","dateModified":"2025-08-19T19:33:30+00:00","breadcrumb":{"@id":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\/#primaryimage","url":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/wp-content\/uploads\/sites\/183\/2025\/02\/HT-WA-ARTICLE.png","contentUrl":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/wp-content\/uploads\/sites\/183\/2025\/02\/HT-WA-ARTICLE.png","width":1920,"height":1080},{"@type":"BreadcrumbList","@id":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/thinking-a-head-planning-a-tax-efficient-withdrawal-strategy\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/"},{"@type":"ListItem","position":2,"name":"THINKING A HEAD: Planning a Tax-Efficient Withdrawal Strategy"}]},{"@type":"WebSite","@id":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/#website","url":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/","name":"Harvest Time Wealth","description":"Wellington-Altus Private Wealth","publisher":{"@id":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/#organization","name":"Harvest Time Wealth","url":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/#\/schema\/logo\/image\/","url":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/wp-content\/uploads\/sites\/183\/2025\/12\/Harvest-Time.png","contentUrl":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/wp-content\/uploads\/sites\/183\/2025\/12\/Harvest-Time.png","width":599,"height":250,"caption":"Harvest Time Wealth"},"image":{"@id":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/#\/schema\/person\/1b45ba2fb63cc7f1961837111e732407","name":"Tower Wealth Advisory","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/27fe8d35555926c9c81143774f0fca7d83519be440c4759ae39d82cd36a85a28?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/27fe8d35555926c9c81143774f0fca7d83519be440c4759ae39d82cd36a85a28?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/27fe8d35555926c9c81143774f0fca7d83519be440c4759ae39d82cd36a85a28?s=96&d=mm&r=g","caption":"Tower Wealth Advisory"}}]}},"_links":{"self":[{"href":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/wp-json\/wp\/v2\/posts\/1964","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/wp-json\/wp\/v2\/users\/68"}],"replies":[{"embeddable":true,"href":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/wp-json\/wp\/v2\/comments?post=1964"}],"version-history":[{"count":4,"href":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/wp-json\/wp\/v2\/posts\/1964\/revisions"}],"predecessor-version":[{"id":1968,"href":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/wp-json\/wp\/v2\/posts\/1964\/revisions\/1968"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/wp-json\/wp\/v2\/media\/1571"}],"wp:attachment":[{"href":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/wp-json\/wp\/v2\/media?parent=1964"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/wp-json\/wp\/v2\/categories?post=1964"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/wp-json\/wp\/v2\/tags?post=1964"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}