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Our response:

Thanks for your question John.

We are not able to provide advice, but the following information may be helpful.

The minimum Registered Retirement Income Fund (RRIF) withdrawals set by the federal government are based on the age you are on January 1st of the applicable year.  This article describes how the amounts are calculated. It also describes the tax implications if you take more than the minimum amount.

Speak to a registered financial advisor or tax professional to confirm what happens when you have more than one RRIF account.