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There are certain circumstances under which taxes may be payable with respect to a TFSA, and these circumstances are described on the Canada Revenue Agency website. Can I take more than the minimum before it is transferred to me?. Can I take more than the minimum before it is transferred to me?.
If you were named as the successor annuitant, you can take over the RRIF and automatically start receiving payments from it after your wifes passing. The rules relating to being a successor annuitant are described in this article.