Even though the RRSP deadline has passed, your contribution room didn’t disappear.

Unused RRSP room carries forward indefinitely. That means you have flexibility. ⁠
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Some years it makes sense to contribute heavily. Other years it may make sense to wait. This is where tax planning becomes personal.⁠
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If your income is rising, your future tax bracket may be higher. ⁠
If retirement is closer, the strategy shifts again. ⁠
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RRSPs are not just about refunds. They are about timing, tax brackets, and long-term income planning. Tax season is when we review the bigger picture, not just last year.⁠