If you are indeed continueing to work and be active i would assume rrsp:rrif (or equivelent) personal contribution has been considered which does play a significant factor. this is where canada might slip behind places like australia where a superannuation(rrsp) is compulsory. Not an option. it is supposed to be for this exact thing.

though some people invest in houses instead but in this day and age i would strongly advise that not be the option anymore. lots of loss in value. depreciates an estate significantly.