If you’ve got money sitting in an RRSP, the CRA is already counting it as theirs. When you die, they can add it to your final tax return and grab up to half. A million bucks down to five-hundred grand… just like that. But here’s the kicker… Back in 1985, the government passed a little clause in the Income Tax Act that allows this policy to be passed on tax-free to your family. Hardly anyone noticed it. It’s legal. It’s simple. And it’s how regular people are leaving up to $1.5 million¹ tax-free