Missing -- the calculation for minimum withdrawals.
a) Mandatory starting at age 72
b) Calculation for mandatory withdrawal starts as a small % and increases, with the statistical aim that you have emptied it by age 90. Age 72 = 5.4%, Age 85 = 8.08%
b2)You can "transfer in kind" to TFSA or other account if you want (but pay the taxes in current year) when you withdraw from your RRIF.
c) Clawback starts at 77k, but you still have some buffer of increasing clawback to the max, full clawback at $122.8k
d) That is PER PERSON income. If you are a couple, $150k in income a year is a lot. Maybe there are other problems to worry about. Also, income splitting levels out your pension income if you are a couple, which helps.
e) Withdrawals from TFSA and increases are tax free, later when you take them.
f) You can delay CPP and OAS to age 72. During the years before that, and once you FIRE early, start to draw down the RRSP aggressively and put $'s into TFSA and non-reg investments. You can even withdraw $100k/yr in this time, and the only "consequence" is your top tax margin, but because you have no OAS, there is no clawback to worry about.
Non-Reg investment withdrawls are only a small part considered income compared to RRSPs. You could start to invest your non-registered in something (rentals) that will create tax losses in your early years of investment, in return for larger capital returns later (when you have less RRSP to pull out).
-- Did I misunderstand your question? --
ASSUME you have $1.5 million in your RRSP, per person, at age 55.
Age 55-72, withdraw $100k/yr (as only source of income). These are FIRE years.
Defer CPP and OAS
At age 72, create RRIF, the value of the account is assumed to now be $552k in today's $'s. (Assumes 7% average return, minus 3% for inflation)
At age 72 take deferred CPP and OAS. These are now at close to 36% premimum for deferral, so $21k x 1.36 = $28.5k
Withdraw up to 8% of the fund value each year (minimums) = $44k
Total income in today's dollars at age 85 (with 8% withdrawal) is approximately $72.5k.. leaving some room for non-registered investements to earn some income / capital gains rate / dividends.
With this method, you can see that you can get to age 90, barring any super duper fantastic investment years, without paying a lot of claw back.
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Another alternative, after age 72, is to intentionally generate full claw back every 3-4 years, and you withdraw excess amounts from your RRIF (e.g., $150k? $200k?), intentionally to draw down the RRIF faster.
After all, once the full claw back is in place, you don't pay it on the next dollar.