Spousal RRSP or TFSA: The best option for a retired couple

When one spouse spent years at home and won't have a pension of their own, couples often look for ways to even out retirement income between them. This piece takes up that situation, where CPP money has been going into a spousal RRSP, and asks whether that's still the right home for it or whether a TFSA would serve better. It walks through the trade-offs in a clear-headed way: a spousal RRSP can help shift income to the lower-earning partner and may protect age-related credits, while a TFSA offers more flexibility and passes to heirs tax-free. There's also a useful nudge to check whether CPP sharing is already doing some of that balancing work. The guiding thought is simple enough, lean toward the RRSP if the goal is retirement income, and toward the TFSA if the estate is the priority.