CPP & OAS Blog Articles

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Retirement Income Planning, Calgary
  • Sep 03, 2017
  • Willis Langford

Over 65 and Still Working? Are You Needlessly Paying CPP Contributions

What will happen if you have made the maximum CPP contributions are still working and decide to delay taking your CPP past age 65? Your CPP benefit is based on how much you contributed to the plan for the 47 years between the ages of 18 - 65. . . .

Calgary Retirement Income Planning
  • Jun 23, 2017
  • Willis Langford

Are CPP Contributions Worth It for the Incorporated Business Owner?

Are CPP Contributions Worth It for the Incorporated Business Owner? A Case Study in the Cost/Benefits Analysis of business owners making CPP Contributions Current Situation The CPP program is a pension plan that was created in 1966 as a. . .

Calgary Retirement Income Planning
  • Jun 10, 2017
  • Willis Langford

Should You Sell Your Rental Properties Before Starting OAS?

Owning real estate has always been a great way to build wealth and create additional sources of income. There are 3 ways that you build wealth with a rental property. The first is in pure cash flow that is generated month to month. Secondly, is the. . .

Retirement Income Planning, Calgary
  • Jan 17, 2017
  • Willis Langford

CPP Benefits for Widows, Widowers & Children

You can't benefit from what you do not know. And, when it comes to your CPP benefits it is up to you to know what you can benefit from. They do not have a person in Ottawa reviewing the files of Canadians to see if they are entitled to more. . .

Retirement Income Planning, Calgary
  • Jan 11, 2017
  • Willis Langford

Over 65, Collecting CPP and Still Working? Why It Makes Sense To Keep Making Contributions

If you are between the age of 65 and 70 and still working you have an opportunity to continue to contribute to CPP and earn as much as 18% returns on those contributions as Post Retirement Benefits - guaranteed and indexed for the rest of your. . .

CPP Specialists, Calgary
  • Jan 06, 2017
  • Willis Langford

Why You Won’t Get as Much From CPP as You Expect

Why You Won’t Get as Much From CPP as You Expect Most retiring Canadians are surprised to find out that their CPP cheque is a lot smaller than they were expecting. Why is this so? Mainly, because they do not understand how it works. Why is. . .

CPP & OAS Specialists
  • Jan 05, 2017
  • Willis Langford

When Is The Optimal Time To Take CPP?

If you are approaching 60 years of age, then you have a critical decision to make in the coming months. When is the optimal time to take CPP? Our government has decided for us that the Normal Retirement age should be 65, but does it work for you? . . .

Retirement Income Planning, Calgary
  • Dec 20, 2016
  • Willis Langford

Should You Take Your CPP Early? - Before You Do, Read This!

It's a question we get asked often: Should I take my CPP at age 60? The short answer is NO, the long answer is YES. Consider the following in making your decision. 1. ) If you are still working, will the additional income bump you into the. . .

Retirement Income Planning, Calgary
  • Dec 14, 2016
  • Willis Langford

Will You Still Get CPP & OAS if You Retire Away From Canada?

Many Canadians are choosing to live in another country during retirement. So what happens to your government pensions if you decide to move to a warmer climate? It depends on how long you lived and worked in Canada. Let's first look at CPP. . .

Retirement Income Planning, Calgary
  • Nov 25, 2016
  • Willis Langford

When Does it Makes Sense To Delay Collecting CPP?

In many cases, it makes sense to take CPP at age 60. Remember, if you take your CPP at age 65 you get 100% of your entitlement. If you take it at age 60 your benefit is reduced by 36% (. 6% for each month) If you delay taking your CPP to age 70, you. . .

  • Oct 13, 2016
  • Willis Langford

Collecting CPP But Still Working? Understand Your Post Retirement Benefits

Thanks to drpensions. ca for most of this information What are PRBs? The Post-Retirement Benefit (PRB) program allows Canadians who are over 60, receiving the CPP but still working and contributing to the CPP, to receive additional benefits. . .

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We contacted Willis and Nancy for advice about our retirement planning. We were looking for answers to specific questions regarding when was the best time to take our CPP and OAS and in what order to draw down assets. Willis was able to answer these questions and provide us with an overall strategy for managing our retirement income. He was knowledgeable and we felt like his advice was specific to our needs, it wasn’t a cookie-cutter, one size fits all approach. We especially appreciated that this was a fee for service and there was no pressure to purchase a product. The fee was clearly explained upfront and there were no surprises. We felt that we received good value for money and feel more confident about our plans for our financial future.

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