In 2018 I will be 61 and will start taking out RRSP money in lieu of early CPP to reduce my RRSP whilst minimizing income tax. I hope to have 40% of my RRSP out by the time I am 65 and if I don't I will continue to reduce my RRSP and defer CPP even further. I don't want a headache in managing an RRSP/RRIF that ends up a tax burden for my wife who has her own RRSP if I die before I get it out at lower income tax rates.