Pension Planning Insights

Expert advice and analysis on Canadian retirement planning, pension optimization, and financial strategies for your future.

CPP Enhancement
CPP Updates

CPP Enhancement: What You Need to Know for 2025

The Canada Pension Plan enhancement continues to roll out with significant changes affecting millions of Canadians. Understanding these changes is crucial for optimizing your retirement income strategy. Our comprehensive guide breaks down the new contribution limits, benefit calculations, and strategic timing considerations that could impact your long-term financial security.

January 15, 2025 5 min read By Sarah Mitchell, CFP
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RRSP Strategies
Tax Strategies

RRSP vs TFSA: Choosing the Right Strategy for Your Age

The eternal Canadian dilemma: should you prioritize RRSP or TFSA contributions? The answer depends on your current income, tax bracket, age, and retirement timeline. This detailed analysis provides age-specific strategies and real-world scenarios to help you make the optimal choice for your financial situation.

February 1, 2025 7 min read By Michael Chen, CPA
TFSA Maximization
Investment Strategies

Maximizing Your TFSA: Advanced Strategies for 2025

With the 2025 TFSA contribution room set at $7,000, savvy investors are looking for advanced strategies to maximize this powerful tax-free vehicle. Explore sophisticated approaches including asset location strategies, withdrawal and re-contribution timing, and investment selection criteria that can significantly boost your after-tax returns.

March 10, 2025 6 min read By Jennifer Walsh, CFP
OAS Benefits
Government Benefits

OAS Clawback: How to Minimize the Impact on Your Benefits

The Old Age Security clawback affects many Canadian retirees, but strategic planning can help minimize or eliminate this costly reduction. Learn about income splitting strategies, timing of withdrawals, and other sophisticated techniques that high-income earners use to preserve their OAS benefits throughout retirement.

April 5, 2025 8 min read By Robert Thompson, CFP

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