UScitizen,living in US with RRSP/RRIFand spousal RRSP

[skaternurse]

I am a US citizen living in the US for the last 20 year. No longer Landed Immigrant or any kind of legal Canadian Resident
I do have a Spousal RRSP/ RRSP and RRIF with distributions began the second half of 2023. Do I need to file in Canada? I have had my US taxes done complete with FBAR.

Thanks

[nelsona]

You should not have to report anything to Canada, assuming the following:
- Your RRSP and RRIF trustees know that you live in the US
- Your withdrawal was correctly withheld at a flat tax rate: 15% or 25%

You may wish to file a Cdn tax return if this RRIF/RRSP income makes up most of your total income.

For US:
How was your RRIF/RRSP income reported on your 1040? This income must be reported on your 1040, but typically, not all this income is taxable in US, as a portion of it was earned in Canada before moving to US. And the tax withheld by Canada should be used as a credit on your tax return.

[nelsona]

Just to clarify, the reason to file a Cdn tax return (known as a Section 217 return) would be to reduce the Cdn tax owed on the withdrawal. You are not required to do so, and as I said, you need to satisfy certain other world income conditions for it to benefit you.