i agree with Iliketopuck above, i use an accountant and its mostly RRSPs and RESPs and I like to drop a little money on charities that are important to me. I have thought about TFSA but it does not really fit into my plans right now. Here is an interesting article in MM on RRSPs and specifically pension income splitting, it can significantly reduce tax billable in retirement.
http://www.msn.com/en-ca/money/taxes...25n?ocid=HPDHP