Your marginal tax rate: 29.65% (federal + provincial)
Rate spread: 10.6 points in your favour (contribute at 29.65%, withdraw at ~19.05%)
Estimated withdrawal rate in retirement: 19.05%
Based on 60% of current income in retirement
Primary recommendation
RRSP
Contributing at 30% and withdrawing at an estimated 19% gives a 10.6 point spread in your favour — that's the RRSP government partnership working for you.