Understanding OAS & CPP Blog Articles
- Jan 22, 2023
- Willis Langford
Avoiding the OAS Clawback
Consider Bob and Andrea who are now 65 years old. They have been taking advantage of the tax deductions they get from contributing to their RRSP for many years. They purposely kept their savings plans equal as both of them have been earning similar. . .
- Sep 24, 2022
- Willis Langford
CPP Benefits for Spouses, Children & The Disabled
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. . .
- Jul 07, 2021
- Willis Langford
The 5-Year GIS Strategy Starting At Age 65
The following is a multi-year GIS tax-free income strategy that anyone who doesn't have a DB pension can use. It requires some pre-planning and prep work in advance of turning 65. Although this strategy can be utilized by anyone, it is best. . .
- Jun 29, 2021
- Willis Langford
Everything You Need To Know About Your Government Benefits
Now Online Access For You Our Entire Presentation is now online for free: "Everything You Need To Know About CPP, OAS, GIS, PRBs, & More" This is a 6 part presentation and you will receive 6 emails over the course of. . .
- Dec 03, 2020
- Willis Langford
In The Media and Around the Web
Globe and Mail Articles Decluttering a tangled mix of stocks, bonds, and mutual funds is a must before retirement Feel-good funds with positive returns draw legions of responsible investing fans - Toronto Star How much money. . .
- Oct 28, 2020
- Willis Langford
3 Examples of When 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 27, 2020
- 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. . .
- Oct 09, 2020
- Willis Langford
Collecting CPP But Still Working? Understand Your Post Retirement Benefits
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 for their contributions. The program started. . .
- Sep 20, 2020
- 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 with new 2021 numbers The CPP program is a pension plan that was. . .
- Aug 29, 2020
- Willis Langford
What Happens To Your CPP and OAS if You Retire Outside Canada?
Many Canadians are choosing to live in another country during retirement. So what happens to your government pensions if you decide to permanently relocate to a warmer climate outside of Canada? It depends on how long you lived and worked in. . .
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