What you might not know about your TFSA
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Most Canadians don’t realize their TFSA has two very different options when they pass away: a successor holder or a beneficiary. They sound similar, but the outcome for your spouse is completely different. A successor holder lets your spouse take over your TFSA exactly as it is — same account, same tax-free growth, no contribution room needed. A beneficiary receives a payout, the TFSA closes, and any growth after death can become taxable unless the exempt-contribution process is followed. The ge
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