Canadian Pension Plan (CPP)
Should I Delay CPP & OAS Until Age 70? – Complete Answer with Real-Life Examples (Updated)
Most seniors start their CPP and OAS when they retire or at age 65, without evaluating the options. The truth is that many seniors would benefit from delaying CPP until age 70. Here is how you can figure out what is best for you. The government pensions, CPP and OAS, are full of cool opportunities…
Read MoreShould I start my CPP early? – Real-Life Examples (UPDATED)
The most common CPP question I am asked is: “Is it smart to take my CPP early?” The answer to this question is different for investors than non-investors, especially growth-focused investors like most of our clients. In my latest video, podcast episode, and blog post you’ll learn: This is an updated post based on 2025…
Read MoreCanadian Affairs Article: Can James, 71, and Valerie, 63, afford to move to a nicer neighbourhood?
Canadian Affairs asked me to review the financial situation of James and Valerie, a retired couple in Montreal. They dream of traveling twice a year, upgrading to a nicer neighbourhood, and replacing their car in a few years—all while maintaining a comfortable retirement with $64,000 a year in spending for the next decade. Currently, their…
Read MoreNational Post Article: Couple shy of retirement goals with $2.1 million portfolio
The National Post asked me to review the finances of Tom and Amanda, a semi-retired couple in their early 60s, who are debt-free, own a $1.9 million home in Southwestern Ontario, and plan to spend $115,000–$120,000 annually in retirement. Tom and Amanda enjoy part-time consulting work, which brings in $24,000 annually before tax, but the…
Read MoreNational Post Article: B.C. couple, both 49, wonder if retiring at 60 is possible
The National Post asked me to review the finances of a B.C. couple who are both 49-years old, wondering if they can retire at 60. George has a full-time position in the public sector, a private business and takes on consulting projects. His wife Elyse is a stay-at-home mom to their two teenage children. One…
Read More