Thank you so much for the quick responses and updates. MoneyReady is very helpful in knowing when I should convert my RRSP/LIRAs to the corresponding RRIF/LIF accounts, and how to optimize my withdrawals. It also confirmed my intent to defer CPP to age 70. It's exactly what I need.
One more item puzzles me. I have used all my TFSA contribution room. The Withdrawal Optimizer shows TFSA withdrawal of $1887.82 for 5 years from 2024 to 2028 (age 67 to 71), then large contributions (approx $13k to $20k) from 2033 to 2035 (age 76 to 78), then contributions drop back down to the $6k range. I have used all my TFSA contribution room. Can you tell me the reason for these withdrawals and recontributions?