Thanks for your strategy and my condolences CAinPlap. At one time, when there was only RSP that made the most sense and may still do with each one`s financial situations being different. For me now, TFSA is the way to go and possibly for retirement as well. Again everyone`s situation is different and if the TFSA rules don`t change when we retire, I found this link helpful on maximizing gains and minizing taxes.
http://www.joetheinvestor.ca/uploads/Converting_an_RRSP_To_a_TFSA_in_Retirement__Colour_.pdf