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focusedGranola0

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When converting a LIRA to a LIF, you can unlock 50% at that time and transfer it to an RRSP (assuming you have room).

I couldn't find an official way to do this. When I try and withdraw half of it after converting it to a LIF, it seems the withdrawal doesn't happen. So what I did is set the LIRA as an RRSP, then withdraw the 50% from it on that date and immediately contribute it back to the actual RRSP.

Any better way to do this?

(sorry for the multiple questions today, I do appreciate the help) 

Hi, I'm wondering if there's a trick available to account for a public pension RRSP deduction amount. My spouse is a teacher in Ontario and as such, has a pension provided. There is a deduction applied which greatly reduces her available RRSP room. I couldn't find any strategy to account for this and as such, it assumes presumably a room of 18% of her income when in fact, it's probably closer to 3-5%.

Merci.