2026 year-end planning worksheet.

What's inside

Seven pages in two halves — a checklist to work through before December 31, and a worksheet for the year ahead. Printable, and built to be filled in by hand or on screen.

• The three dates that actually matter. December 15 for trades that have to settle in 2026, December 31 for turning-71 conversions and spousal RRSP timing, January 30 for prescribed-rate loan interest.
• Fifteen checklist items across four parts — keeping more of your retirement income, protecting your portfolio, your spouse and your family, and business, deductions and estate.
• The 2026 numbers on one page. RRSP withholding tiers, the prescribed rate, FHSA limits, the pension credit and the medical expense threshold.
• The Life Accounts wheel. Score the five accounts a retirement actually runs on — financial, relational, health, experience and purpose, mental health and resilience — and see which one is running low.
• One goal and one first step for each of the four non-financial accounts, with the research behind why they move the needle.
• Quarterly check-in dates, so it doesn't become something you fill in once and never open again.