I have a gap between retirement and CPP/OAS where I want to deliberately draw down RRSPs beyond spending needs to optimize lifetime tax — melting as much as possible at a lower bracket before government benefits fill it. Proceeds should route to TFSA and non-registered, not spending.

Two questions:

1. Does the bracket top-up entry actually force withdrawals when there's no spending deficit, or does it only fire when cash is needed?
2. If I want to control meltdown pace more aggressively than bracket top-up allows — e.g. target a specific annual withdrawal amount regardless of spending — what's the recommended way to set that up while routing surplus to savings vehicles rather than the spending bucket?

What I've tried so far:

• Bracket top-up entry on the RRSP — unclear whether it's actually firing in gap years where spending is already covered by minimums
• Forced spending buckets paired with matching automatic savings entries into TFSA — this moved money but routed it through spending rather than cleanly repositioning it, which distorts the plan's accuracy
• Fixed dollar withdrawal entries — workable but requires manually estimating the right amount rather than letting MR optimize dynamically

Hi — I’m trying to confirm whether MoneyReady handles the Ontario DCPP/LIF 50% unlocking process at retirement.

Specifically, can MoneyReady model:

• transferring a DCPP into a Schedule 1.1 LIF,

• unlocking up to 50% within the 60-day window,

• and transferring the unlocked portion into a RRIF?

Thanks!