May 4, 2026
🔗 Get the full blog post and extra resources here: https://astrafinancial.ca/2026/05/04/how-the-oas-clawback-works-in-canada
Most Canadians don't see the OAS clawback coming because no single income source looks like the problem on its own. In this episode, Zena Amundsen CFP breaks down exactly how the OAS clawback works in Canada, which income sources count toward the threshold and the five timing strategies that can reduce the impact before it happens.
You'll learn how the income stacking effect works, why world income including US Social Security counts toward the clawback, how the 15% formula is calculated and why TFSA withdrawals are one of the cleanest retirement income tools available.
If you are within 10 years of retirement or already drawing from multiple income sources, this episode will help you understand how your income is structured and what to plan for.
📅 Book a complimentary introductory call with the Astra Financial team: https://astrafinancial.ca/get-informed-astra-financial-consultancy-services/