"The second factor is to reduce the tax on any current non-registered investment income before hitting 72, when RRIF withdrawals become mandatory. If possible, Mr. Farwell suggests that clients receive income as dividends or income characterized as capital gains investments to reduce the amount of taxable income they are receiving."

I can imagine a layperson (the intended audience obviously) reading this paragraph.  It is non-trivial to   do something practical about the above direction to "receive income" as dividends or characterized as CGs.  Mr. Farwell suggests this offhand, like it should be a duh-obvious thing.  Anyone holding a portfolio of registered, taxable and pension-style incomes must educate themselves on how the pieces work from a tax perspective and take full control of their own unique situation.  It makes a massive difference to your retirement after tax income in Canada.  You must optimize it, avoiding paying others fees to do so where ever possible.