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Our latest posts
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Is OAS Clawback Based on Family Income? Understanding the OAS Recovery Tax and How to Minimize It
The Old Age Security (OAS) pension is a foundational income source for many Canadians in retirement. However, some higher-income individuals may face a reduction in their OAS benefits through the OAS clawback (or recovery tax). One of the most common questions is whether the clawback is based on family or individual income. This article explains…
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How Much Is CPP Pay Per Month? Exploring Canada’s CPP Benefits
Canada’s Canada Pension Plan (CPP) is a critical part of the financial framework for Canadians. It provides a safety net in retirement and offers multiple ways for contributors and their families to receive financial support, whether in retirement, due to disability, or as a survivor of a deceased contributor. Understanding the different CPP benefits and…
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Why the CPP Break-Even Analysis Is Flawed: A Better Approach to Claiming Your Canada Pension Plan
The recently published “7 Steps Toward Better CPP/QPP Claiming Decisions” by the National Institute on Ageing offers critical insights into the decision-making process surrounding the Canada Pension Plan (CPP) and Quebec Pension Plan (QPP), specifically focusing on the CPP break-even analysis approach. They state that this approach, which has long been a staple in financial guidance, is deeply…
