Did you know retired couples can use their TFSAs to generate up to $8,700 a year in truly passive, tax-free income? With a self-directed TFSA (currently featuring a $7,000 annual contribution limit and a $109,000 lifetime maximum), Canadian pensioners have powerful tools right at their fingertips. Many of my clients in Surrey are surprised at how GICs can deliver steady 3–4% returns, while dividend stocks can add another layer of growth. By building a balanced TFSA portfolio, it’s possible to enjoy about 4% tax-free income each year—without the stress of complicated strategies or overwhelming decisions. Helping individuals and couples navigate these choices is what I do best. If you’re ready to make your investments work smarter for your retirement, let’s explore what a personalized approach can do for your peace of mind.
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