RSP Tip 6. Consider a Spousal RRSP. If you expect your spouse's retirement income to be lower than yours, then a Spousal RRSP may be the best form of future income splitting. Remember the effective use of Spousal RRSPs requires planning ahead. Don't wait until it is too late. https://www.freedom55financial.com/#F55#RSP#RetirementPlanning#TFSA#SpousalRSP