RDSP Rollover From a Deceased Parent’s RRSP or RRIF — Move Retirement Money Into a Disabled Child’s RDSP
What Is It?
CRA permits certain registered-plan to RDSP rollovers for a financially dependent infirm child or grandchild after death.
What Most People Don’t Know
- This is a narrow but powerful tax-deferral rule.
- Dependency and disability criteria matter.
- The rollover interacts with RDSP lifetime limits.