If you’ve got money sitting in an RRSP, the CRA is already counting it as theirs. When you die, they can add it to your final tax return and grab up to half. A million bucks down to five-hundred grand… just like that. But here’s the kicker… Back in 1985, the government passed a little clause in the Income Tax Act that allows this policy to be passed on tax-free to your family. Hardly anyone noticed it. It’s legal. It’s simple. And it’s how regular people are leaving up to $1.5 million¹ tax-free

@pacificledger on Instagram: "Millions of Canadians don’t get benefits they qualify for… Because the never file a tax return The Canadian government plans to automatically file taxes for low-income earners starting with the 2026 tax year That means: No accountant No tax software No confusing forms The CRA will pre-fill your tax return using information they already have, directly inside My Account or through services like SimpleFile This starts with about 1 million people in 2026 and by 2028 it’