Another interesting video to find out where you stand regarding capital gains. When planning my retirement I realized my pension income could come close to claw back. When building my dividend income portfolio I used my wife's cash trading account ( planning to stay with her) since she doesn't have any pension, two TFSA accounts and her SDRSP. So far so good government is not getting anything , besides paying for my vacation. My neighbour also divided investor always said; refunds are still your money. Well he is right but on the other hand to get them you have to buy RRSP and some time it is not easy to come with thouse money. Hopefully when she retires I will use the split income plus take her RRSP plus dividend back under tax exempt. RRSP is taxable when person dies subject to income tax. Well have to to your math and plan ahead. Plus don't be afraid to do some shuffling.
https://youtu.be/6PToqNNiNCs?si=toXwyZhv8po3YF9w
https://youtu.be/Io4fxdBEApc?si=F8O6wfb2esjXdDH-