Smith Manoeuvre AFTER You Retire

What do you do with the Smith Manoeuvre AFTER you retire?

My latest video and podcast episode is for you if you already know the basics of the Smith Manoeuvre.

You have been doing this strategy for awhile, you’ve converted your mortgage to tax deductible, and you’re thinking about retiring.

You’ve got a big investment portfolio and this tax deductible credit line, what do you do now?

Discover 5 strategies that we suggest to our clients, and how you can implement them to your advantage!

  • What options do you have for the Smith Manoeuvre after you retire?
  • The 3 options based on your risk tolerance & desired lifestyle.
  • Success rates of retirement income withdrawals.
  • Key tax brackets before and after age 65.
  • 5 Smith Manoeuvre strategies you can do after you retire.
  • Tax implications of Smith Manoeuvre withdrawals.
  • Designing your retirement income with the Smith Manoeuvre.

I hope you enjoy it!


Planning With Ed


Ed Rempel has helped thousands of Canadians become financially secure. He is a fee-for-service financial planner, tax  accountant, expert in many tax & investment strategies, and a popular and passionate blogger.

Ed has a unique understanding of how to be successful financially based on extensive real-life experience, having written nearly 1,000 comprehensive personal financial plans.

The “Planning with Ed” experience is about your life, not just money. Your Financial Plan is the GPS for your life.

Get your plan! Become financially secure and free to live the life you want.


  1. Ed Rempel on June 27, 2023 at 8:43 PM

    Thanks Jack!

    I’m glad you found it helpful.


  2. Jack Thompson on May 31, 2023 at 11:54 AM

    Great video, very clear the various post retirement options.
    Thanks alot Ed.

  3. Ed Rempel on November 10, 2022 at 10:45 AM

    HI AJ,

    No problem. Glad your quesiton was answered.


  4. AJ on September 8, 2022 at 1:23 PM

    Sorry Ed – got ahead of myself and posted my question halfway through the video.

    Feel free to delete.


  5. AJ on September 8, 2022 at 1:13 PM

    Hi Ed,

    Thanks for the video. You are an advocate for total return and creating your own dividends.

    How do withdrawals (beyond actual dividends) work when you wish to keep the HELOC 100% deductible?

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