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hi my name is adam welcome to the channel thanks for joining us today today weamp;#39;re going to talk about a tax planning tool that a lot of you are missing out on and we do new plans every single day for canadians right across the country even abroad this thing we keep bumping into and itamp;#39;s something that you have to plan ahead for that most of you arenamp;#39;t so weamp;#39;re going to go through that in this video so todayamp;#39;s content is around tax planning when you get to retirement and one of the tools that a lot of you are missing out on is income splitting so if youamp;#39;re married or if you have a common law partner this video is for you now if youamp;#39;re single thereamp;#39;s not a lot of income splitting you can do obviously so itamp;#39;s not for you but maybe you know someone that you can pass this video on to and again this is a good knowledge you never know i know people that have got married very late in retirement and this income splitting be