[Locke]

Originally Posted by I-Hate-Hulse

Does anyone have experience with RIF accounts and how they are handled at death when there's a surviving spouse?

Here's the situation: Dad died, leaving my mother as the surviving spouse. It appears he never named her a beneficiary, so his estate was issued a T4RIF. Basically treating this as a non-rollover to surviving spouse situation.

However, back when we wound down my dad's RIF account - they moved his assets to my mom's RIF account. Kind of like they treated it like a spousal rollover in error.

Which leads to:

- Doesn't that mean these assets will be double taxed when it comes to do withdrawals for my mom?
- How do I fix this? And with whom? TD Estates team? TD Investing? CRA?

Also adding to the confusion - My mom was issued a T4RIF, presumably for growth in my dad's RIF, so that seems to suggest they are treating her as a participant in this process.

I'm very familiar with these.

That depends on a whole lot of things. If you want, it would probably be easier to talk about this over the phone, I'll PM you my contact info.