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Manulife Securities Incorporated

2845 Bristol Circle

Oakville, ON L6H 6X5

Canada

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The clawback of government benefits can have a significant impact on your retirement income. Some careful RRSP planning as age 71 approaches, however, can help reduce taxable earnings in retirement – and reduce the clawback of government benefits.

The tax deductibility of contributions is one of the most valuable features of an RRSP. If you are approaching age 71 and closing out your RRSPs, however, the tax benefits associated with RRSP contributions can gain even greater importance.

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Manulife Securities Incorporated

2845 Bristol Circle

Oakville, ON L6H 6X5

Canada

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