The RRSP factors in Divorce

RRSP in Divorce
  • The Income Tax Act provides tax-free rollovers of Registered Retirement Savings Plan (RRSP) between sposues.

  • It is the gain in these assets held by either spouse that is considered matrimonial and is to be divided or equalized

  • The forward gain of a family’s wealth is measured from the date of the marriage to the date of the separation.

  • It can also be agreed upon to not divide anything at all, leaving your assets unaffected in the separation.

  • Records of the couple’s Registered Retirement Savings Plan (RRSP) at the date of marriage and the date of separation will be required.

Registered Retirement Savings Plan in separation and divorce
RRSP what-you-need-to-know

Making an RRSP financial disclosure

Where is find a Notice of Assessment
RRSP factors in separation and divorce

With records of your and your spouse’s financial position at the date of marriage and date of separation, it will help greatly with calculating the net-family property.

The statement is typically sent to subscribers on a quarterly basis, usually in March, June, September and December. If you have not received your statement for the period, you may need to conduct inquiries.

RRSP financial disclosure Documents Details

Where is find a Notice of Assessment

Obtaining a digital copy of this document:


Obtaining  a digital copy of this document

  1. Many online sources allow you to download a digital copy to the device.
  2. Most up to date Web Browsers allow you the option of “Print to PDF”
  3. Scan your hard copy to a pdf.   

Note: This can be done on a personal (home or work) scanner, or can be done at a retailer such as Staples Business Depot

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About the Author:
Ken Maynard CDFA, Acc.FM

I assist intelligent and successful couples in crafting rapid, custom separation agreements that pave the way for a smooth transition towards a secure future. This efficient process is achieved in about four meetings, effectively sidestepping the excessive conflicts, confusion, and costs commonly linked to legal proceedings. Clients have the flexibility to collaborate with me either via video conference or in-person through a DTSW associate at any of our six Greater Toronto mediation centers, located in Aurora, Barrie, North York, Vaughan, Mississauga, and Scarborough.

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Ken Maynard CDFA, Acc.FM