Understanding OAS & CPP Blog Articles

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Retirement Income Planning, Calgary
  • Sep 25, 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. . .

Retirement Income Planning, Calgary
  • Jul 08, 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. . .

Retirement Income Planning, Calgary
  • 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. . .

Retirement Income Planning, Calgary
  • 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. . .

Retirement Income Planning, Calgary
  • 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. . .

Retirement Income Planning, Calgary
  • 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. . .

Retirement Income Planning, Calgary
  • 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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