Perhaps I can take that.
The tax-free savings account will help, but there is a key problem to think about.
The whole tax structure for retirement income in the country is based on this year's earnings. While there is limited carry-forward for RRSPs and defined benefit pension plans, if somebody comes here in mid-career after having had 20 years somewhere else, there's no tax-sheltered retirement savings room available with respect to those past 20 years, and as James was mentioning earlier, over the remaining 20 years of their career there isn't sufficient room to get to a level of income replacement. There needs to be some assumption that either folks are coming to this country with enough savings accumulated already to provide for that or else that the sponsor will be able to provide for it, but structurally there's nothing in the tax system that provides for it.