Why does the App calculate capital gains each year for taxes even though we have not sold any stocks? Is the reason based on the fact that insufficient cash is available so the App assumes that stocks will be sold to meet the desired withdrawal amount to cover expenses and taxes due?

Hello Elisabeth,

This may be a good article to support your model? 

https://www.advisor.ca/news/industry-news/canadians-make-guesswork-of-retirement-planning/

Money flows out of my spouse’s TFSA and into my unregistered account in 2023 and 2024. Would this not give up a tax advantage?

Is there a way I could set the software to include 2023 data for the full year (not just for the tax number)?