Retirement Planning

Changes to the Canada Pension Plan (CPP) and Old Age Security (OAS) programs have increased the flexibility of those programs and, in particular, have given individuals a greater range of choices with respect to, especially, the timing of their receipt of CPP and OAS.  The downside of that increased flexibility has been to make the...

Are Canadians adequately prepared for retirement? The focus is more on the question of whether our current system is such that younger Canadians can expect to have some degree of financial security in retirement. This group will be heartened by a recent announcement from the federal Department of Finance, indicating that the federal government and...