为什么省份很重要
The planner estimates federal tax 和 the selected province or territory's tax rules as part of each retirement year. That can affect RRSP/RRIF withdrawal timing, pension-income splitting, OAS recovery tax interactions 和 the optimizer's preferred household strategy.
Future tax thresholds are projections because future legislation is unknown. Recalculate after tax-law changes 和 verify material implementation decisions.