{"id":7600,"date":"2025-03-26T22:06:38","date_gmt":"2025-03-27T02:06:38","guid":{"rendered":"https:\/\/www.paulrioux.ca\/?page_id=7600\/"},"modified":"2026-05-25T10:47:28","modified_gmt":"2026-05-25T14:47:28","slug":"retirees-income-splitting","status":"publish","type":"page","link":"https:\/\/www.paulrioux.ca\/en\/guide\/retirees-income-splitting\/","title":{"rendered":"Income splitting"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row][vc_column][vc_column_text margin_bottom=&#8221;0&#8243; css=&#8221;.vc_custom_1779720522637{margin-bottom: 0px !important;}&#8221;]\n<h2 class=\"blog-single-title\">Fiscal and Financial Planning Guide 2024-2025<\/h2>\n<h3>Retirees &gt; Income splitting<\/h3>\n<p>Retirees who receive an income from a registered retirement income fund (RRIF), an employer pension\u2019s plan or an IPP can generally split their pension with their spouse on their tax return starting at age 65. At the federal level, an employer\u2019s retirement pension or an IPP can be split even before age 65, as soon as the pension begins to be paid.[\/vc_column_text][vc_single_image image=&#8221;7763&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text margin_bottom=&#8221;0&#8243; css=&#8221;.vc_custom_1779720537133{margin-bottom: 0px !important;}&#8221;]Note that an amount withdrawn directly from an RRSP cannot be split with the spouse. The amount must first be transferred from the RRSP to a RRIF and then withdrawn from the RRIF to be split.[\/vc_column_text][mk_button dimension=&#8221;two&#8221; corner_style=&#8221;rounded&#8221; size=&#8221;large&#8221; icon=&#8221;mk-icon-arrow-left&#8221; url=&#8221;\/en\/fiscal-and-financial-planning-guide\/&#8221;]Back[\/mk_button][\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text margin_bottom=&#8221;0&#8243; css=&#8221;.vc_custom_1779720522637{margin-bottom: 0px !important;}&#8221;] Fiscal and Financial Planning Guide 2024-2025 Retirees &gt; Income splitting Retirees who receive an income from a registered retirement income fund (RRIF), an employer pension\u2019s plan or an IPP can generally split their pension with their spouse on their tax return starting at age 65. At the federal level, an [&hellip;]<\/p>\n","protected":false},"author":124,"featured_media":0,"parent":7402,"menu_order":75,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-7600","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Income splitting | Paul Rioux CA<\/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:\/\/www.paulrioux.ca\/en\/guide\/retirees-income-splitting\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Income splitting | Paul Rioux CA\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column][vc_column_text margin_bottom=&#8221;0&#8243; css=&#8221;.vc_custom_1779720522637{margin-bottom: 0px !important;}&#8221;] Fiscal and Financial Planning Guide 2024-2025 Retirees &gt; Income splitting Retirees who receive an income from a registered retirement income fund (RRIF), an employer pension\u2019s plan or an IPP can generally split their pension with their spouse on their tax return starting at age 65. 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