{"id":4832,"date":"2026-01-28T16:29:15","date_gmt":"2026-01-28T16:29:15","guid":{"rendered":"https:\/\/advisor.wellington-altus.ca\/thewonggroup\/?p=4832"},"modified":"2026-01-29T15:10:47","modified_gmt":"2026-01-29T15:10:47","slug":"how-leveraging-insurance-can-lead-to-tax-efficient-rrsp-and-rrif-withdrawals","status":"publish","type":"post","link":"https:\/\/advisor.wellington-altus.ca\/thewonggroup\/how-leveraging-insurance-can-lead-to-tax-efficient-rrsp-and-rrif-withdrawals\/","title":{"rendered":"How leveraging insurance can lead to tax-efficient RRSP and RRIF withdrawals"},"content":{"rendered":"<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-large wp-image-4834\" src=\"https:\/\/advisor.wellington-altus.ca\/thewonggroup\/wp-content\/uploads\/sites\/31\/2026\/01\/Untitled-design-3-1024x683.png\" alt=\"Maili Wong interviewed by The Globe and Mail on tax\u2011efficient RRSP and RRIF strategies\" width=\"800\" height=\"534\" srcset=\"https:\/\/advisor.wellington-altus.ca\/thewonggroup\/wp-content\/uploads\/sites\/31\/2026\/01\/Untitled-design-3-1024x683.png 1024w, https:\/\/advisor.wellington-altus.ca\/thewonggroup\/wp-content\/uploads\/sites\/31\/2026\/01\/Untitled-design-3-300x200.png 300w, https:\/\/advisor.wellington-altus.ca\/thewonggroup\/wp-content\/uploads\/sites\/31\/2026\/01\/Untitled-design-3-768x512.png 768w, https:\/\/advisor.wellington-altus.ca\/thewonggroup\/wp-content\/uploads\/sites\/31\/2026\/01\/Untitled-design-3.png 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>Senior Wealth Advisor and Senior Portfolio Manager <strong>Maili Wong<\/strong> was recently interviewed by <a href=\"https:\/\/www.theglobeandmail.com\/investing\/globe-advisor\/insurance\/article-how-leveraging-insurance-can-lead-to-tax-efficient-rrsp-and-rrif\/\"><em>The Globe and Mail <\/em><\/a>to provide expert commentary on how insurance strategies can help enhance tax efficiency within RRSP and RRIF accounts. In the feature, Maili discusses when it may make sense for retirees to strategically draw mid\u2011tax\u2011bracket withdrawals from their RRIF and redirect those after\u2011tax dollars into permanent life insurance &#8211; a strategy that, in specific circumstances, can help high\u2011net\u2011worth retirees reduce future tax burdens and create a more predictable, tax\u2011free inheritance for their beneficiaries.<\/p>\n<p>She also highlights criteria that determine whether this approach is appropriate, including age, insurability, liquidity, and whether clients have registered assets they do not need to support their lifestyle \u2014 offering a thoughtful, practical framework for Canadians considering advanced planning options.<\/p>\n<p><strong>Key Points:<\/strong><\/p>\n<p>\u2022 <strong>Tax Efficiency:<\/strong> Strategic use of permanent life insurance within retirement planning can help reduce tax drag on retirement assets held in RRSPs and RRIFs.<br \/>\n\u2022 <strong>Retirement Income Planning:<\/strong> Insurance strategies can complement traditional withdrawals by smoothing after-tax income and helping manage marginal tax rates in retirement.<br \/>\n\u2022 <strong>Estate &amp; Legacy Benefits:<\/strong> Leveraging insurance can support more efficient wealth transfer to beneficiaries by reducing taxes at death and preserving more capital for heirs.<br \/>\n\u2022 <strong>When It Makes Sense:<\/strong> These strategies are most effective for certain investors\u2014particularly higher-income individuals or those with estate planning goals\u2014and should be assessed within a broader financial plan.<\/p>\n<p>To read the full article and gain access to Maili Wong\u2019s insights,\u00a0<a href=\"https:\/\/www.theglobeandmail.com\/investing\/globe-advisor\/insurance\/article-how-leveraging-insurance-can-lead-to-tax-efficient-rrsp-and-rrif\/\" target=\"_blank\" rel=\"noopener\">click here.<\/a><\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p><i><br \/>\nIf you have any questions about how this relates to you or your investment portfolio and financial plan, please give us a call at <\/i><a href=\"tel:7786552410\"><span class=\"s1\"><i>778 655 2410<\/i><\/span><\/a><i>\u00a0or email us at\u00a0<\/i><a href=\"mailto:thewonggroup@wellington-altus.ca\"><span class=\"s1\"><i>thewonggroup@<\/i><\/span><\/a><a href=\"http:\/\/wellington-altus.ca\/\"><span class=\"s1\"><i>wellington-altus.ca<\/i><\/span><\/a><\/p>\n<p class=\"p1\">Sincerely,<br \/>\n<b>Maili Wong<\/b>, CFA, CFP, FEA<br \/>\nSenior Portfolio Manager &amp; Senior Wealth Advisor<\/p>\n<p class=\"p1\">Wellington-Altus Private Wealth Inc.<\/p>\n<p class=\"p1\">Board Director<\/p>\n<p class=\"p1\">Wellington-Altus Financial Inc.<\/p>\n<p><strong><em>Maili Wong is a senior portfolio manager and senior wealth advisor at The Wong Group at Wellington-Altus Private Wealth and the Amazon best-selling <\/em><\/strong><strong><em>author of \u2018Smart Risk.\u2019 She has over two decades of experience in the finance industry and was named a Top Wealth Advisor and one of the Best in Province in the 2022 rankings produced by The Globe and Mail and SHOOK Research.<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Senior Wealth Advisor and Senior Portfolio Manager Maili Wong was recently interviewed by The Globe and Mail to provide expert commentary on how insurance strategies can help enhance tax efficiency within RRSP and RRIF accounts. In the feature, Maili discusses when it may make sense for retirees to strategically draw mid\u2011tax\u2011bracket withdrawals from their RRIF [&hellip;]<\/p>\n","protected":false},"author":85,"featured_media":4834,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"2normal","footnotes":""},"categories":[421],"tags":[],"class_list":["post-4832","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How leveraging insurance can lead to tax-efficient RRSP and RRIF withdrawals - The Wong Group<\/title>\n<meta name=\"description\" content=\"Maili Wong shares insights with The Globe and Mail on how insurance strategies can enhance tax efficiency for retirees with RRSP and RRIF accounts.\" \/>\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\/thewonggroup\/how-leveraging-insurance-can-lead-to-tax-efficient-rrsp-and-rrif-withdrawals\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How leveraging insurance can lead to tax-efficient RRSP and RRIF withdrawals - The Wong Group\" \/>\n<meta property=\"og:description\" content=\"Maili Wong shares insights with The Globe and Mail on how insurance strategies can enhance tax efficiency for retirees with RRSP and RRIF accounts.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/advisor.wellington-altus.ca\/thewonggroup\/how-leveraging-insurance-can-lead-to-tax-efficient-rrsp-and-rrif-withdrawals\/\" \/>\n<meta property=\"og:site_name\" content=\"The Wong Group\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/Maili-Wong-486908234829303\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-28T16:29:15+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-29T15:10:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/advisor.wellington-altus.ca\/thewonggroup\/wp-content\/uploads\/sites\/31\/2026\/01\/Untitled-design-3.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Maili Wong\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/maili_wong\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Maili Wong\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/advisor.wellington-altus.ca\/thewonggroup\/how-leveraging-insurance-can-lead-to-tax-efficient-rrsp-and-rrif-withdrawals\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/advisor.wellington-altus.ca\/thewonggroup\/how-leveraging-insurance-can-lead-to-tax-efficient-rrsp-and-rrif-withdrawals\/\"},\"author\":{\"name\":\"Maili Wong\",\"@id\":\"https:\/\/advisor.wellington-altus.ca\/thewonggroup\/#\/schema\/person\/504444e10c54267033a553d53dcf58cc\"},\"headline\":\"How leveraging insurance can lead to tax-efficient RRSP and RRIF withdrawals\",\"datePublished\":\"2026-01-28T16:29:15+00:00\",\"dateModified\":\"2026-01-29T15:10:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/advisor.wellington-altus.ca\/thewonggroup\/how-leveraging-insurance-can-lead-to-tax-efficient-rrsp-and-rrif-withdrawals\/\"},\"wordCount\":381,\"publisher\":{\"@id\":\"https:\/\/advisor.wellington-altus.ca\/thewonggroup\/#organization\"},\"image\":{\"@id\":\"https:\/\/advisor.wellington-altus.ca\/thewonggroup\/how-leveraging-insurance-can-lead-to-tax-efficient-rrsp-and-rrif-withdrawals\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/advisor.wellington-altus.ca\/thewonggroup\/wp-content\/uploads\/sites\/31\/2026\/01\/Untitled-design-3.png\",\"articleSection\":[\"Press\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/advisor.wellington-altus.ca\/thewonggroup\/how-leveraging-insurance-can-lead-to-tax-efficient-rrsp-and-rrif-withdrawals\/\",\"url\":\"https:\/\/advisor.wellington-altus.ca\/thewonggroup\/how-leveraging-insurance-can-lead-to-tax-efficient-rrsp-and-rrif-withdrawals\/\",\"name\":\"How leveraging insurance can lead to tax-efficient RRSP and RRIF withdrawals - 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