How to Build a Tax-Free Retirement Plan and Keep More of Your Money

Retirement planning isn’t just about saving money—it’s about keeping more of it. Without the right tax strategies, you could end up paying nearly half your retirement savings in taxes. Here’s how to build a tax-free retirement plan using Robert Stone’s expert strategies.

The Problem: Taxes Eat Up Your Retirement Savings

Most Canadians rely on RRSPs, only to discover that withdrawals are taxed at their highest income bracket in retirement. Without planning, they lose a significant portion of their savings to taxes.

The Solution: The Tax-Free Retirement Account (TFRA)

A TFRA works differently. Unlike an RRSP, this account: ✅ Grows tax-free for life ✅ Provides a guaranteed minimum benefit ✅ Offers withdrawals that are completely tax-free

In 2022-2023, TFRA accounts averaged a 32% return, making them one of the most powerful retirement planning tools.

How to Implement a Tax-Free Retirement Strategy

1. Start a Business

Owning a business gives you access to deductions, tax deferrals, and income-splitting opportunities.

2. Invest in Tax-Free Vehicles

Use TFSAs, TFRAs, and permanent insurance tax strategies to grow wealth tax-free.

3. Structure Your Retirement Withdrawals Smartly

• Withdraw from tax-free sources first
• Minimize taxable income to avoid higher tax brackets
• Use estate planning strategies to pass on wealth efficiently

The Bottom Line

Without proper tax planning, your retirement savings could shrink by 40-50% due to taxes. By leveraging TFRAs and smart business structures, you can build a tax-free retirement plan and keep more of your money.

Get The Tax-Saving Bible today and start planning for a tax-free retirement.