Segregated funds are no tax panacea

Ask a Planner
I attended a financial planning seminar and the presenter said you’re taxed so high on RRSPs when you die that your kids are only going to get half of it, which I already kind of knew. So, if you put it into these segregated funds, then you don’t pay tax. Should I be doing this? I am a 69-year-old widow, living in Ontario with $840,000 in RRIFs, and 136,000 in a TFSA. I have one daughter and I am a conservative investor spending about $60,000 a year.—Pam
Hi P