Is there any difference between joint preparation and separate preparation? I prefer to split some income to my wife manually so that I can get benefit from RRSP.

What forms if income do you have? Employment?

All incomes are from employment.

That rules out pension spitting.

Also, if you are an employee and so is your spouse, that pretty much rules out splitting income at source, for example by employing your partner or children.

If you have dependant children under 18 living with you and supported by you, you could receive up to $2000 Family Tax Cut, although this not real income splitting.

I'd suggest you be careful with RRSP amounts. Make sure that neither of you exceed your 2014 Amount A deduction limit. Obviously, the more you put into your RRSP the better , up to your limit, since you have a higher marginal tax rate. At your spouse's income level, you may also want to look at TFSAs.

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It is helpful. Thank you TonyC1.

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