The hidden 1985 tax loophole the CRA hopes you’ll never discover… In 1985, Parliament quietly passed a clause buried deep inside the Income Tax Act. Almost nobody noticed. But decades later, it’s become one of the smartest ways for Canadians to pass money to their family completely tax-free. Here’s how it works: Most people save through RRSPs. When they die, the entire balance is added to their final tax return… which is often taxed around 50% depending on the amount. That means a $1 million RRS