Take the "Unneeded Retirement Savings Plan" Quiz

Things like deferred tax sounded like a good idea at the time ... until it [paying the deferred taxes] happens to you.
G.A., Grand Forks, BC .

If you answered yes to these questions, you could be in for a big surprise when you start withdrawing money from your RRSPs or RRIFs.

The surprise is the taxman.

It's pretty frustrating after promises of 'tax-free' RRSP savings. It's only tax-free until you try to use it; then the taxes can be punishing.

Frustration65™ was created to provide an alternative way for Canadians to access their registered retirement savings. Turn your frustration around and get you the money you saved over the years so you can have the freedom to do what you want with it.