text: I certainly emphasize with your reader that sent this email and would say that my wife and I are in a similar situation.  I have been doing the bulk of our financial planning and investing for the past 20 years and now that we are retiring, one day I am worried about how to most efficiently draw from our investments and having resources to last us into our 90's to the next when I worry about staying out of OAS claw back territory.  
  
  One resource that I have found very informative and I have used it to guide my strategy over the last several years is "Your Retirement Income Blueprint" by Daryl Diamond.  Mr. Diamond is a Canadian financial advisor that specializes in the process of drawing retirement income from your investments.  This book is well worth the cost.