1) what are the historical returns of her 420,000 k invested in the RRSP? Where is she getting 3.1 % on a blended portfolio.    Name the company that is promising a 3 % return and what they are getting in fees.    

 Changing her mutual funds into ETFs and or a basket of dividend paying stocks should change easily change her expected returns from 3 % to 6%

2)  has she meet anyone over 80?   There is a very low percentage that  are able to spend 75,000 year and even fewer that enjoy it.