Retirement Plan Canada partners with trusted local financial professionals to host complimentary educational seminars across Canada, on retirement planning, estate planning, wealth management, and tax efficiency.
Email us to be notified of an upcoming seminar in your area.
Each seminar is designed to give you a working understanding of the decisions that shape your next 20 to 30 years, and the advisors hosting them are local professionals who live and work in your community.
CPP and OAS timing, RRSP and RRIF withdrawal strategies, TFSA optimization, and building income that lasts.
Structure your legacy so your family inherits your wealth, not a tax bill.
Align investments with goals, risk tolerance, and the realities of today's market.
Keep more of what you've earned through smart withdrawal sequencing and planning.
Retirement Plan Canada is an educational resource. For recommendations on your personal situation, please speak with a qualified financial professional.
Retirement Plan Canada is an educational resource for Canadians approaching or already in retirement. We work behind the scenes with local financial advisors across the country, helping them host complimentary public seminars in their communities.
The advisors bring the expertise. We handle the venue, the invitations, and the logistics, so attendees show up to a well-organized evening focused on education, not a sales pitch.
The Canada Pension Plan (CPP) and Old Age Security (OAS) provide monthly retirement income to eligible Canadians. CPP is funded by contributions you and your employers made throughout your working years; OAS is funded from general tax revenue and is based on years of residency in Canada after age 18.
You can start CPP as early as age 60 or defer it as late as 70 — each month you wait increases your monthly benefit. OAS can be deferred up to age 70 as well. Choosing when to start each program can meaningfully change your lifetime income, and the right answer depends on your full financial picture, including health, other income, and tax bracket.
This is general information. A qualified professional can help you model the specific claiming strategy that fits your situation.
If your net income exceeds the OAS recovery threshold (approximately $90,997 in 2024), you start to repay 15 cents of every dollar above it through the OAS Recovery Tax — commonly called the OAS clawback. Above roughly $148,000, your OAS is fully clawed back.
Lower-income seniors may also qualify for the Guaranteed Income Supplement (GIS) on top of OAS. And at age 65 most provinces auto-enrol you in their senior drug benefit programs (ODB in Ontario, Fair PharmaCare in BC, etc.). Sequencing your withdrawals — RRIF, TFSA, non-registered — can keep more of these benefits in your pocket.
For your specific entitlements, consult a qualified financial professional or contact Service Canada.
Retirement Plan Canada is an educational resource for those nearing or in retirement. We partner with local financial professionals across Canada to host complimentary public seminars in their communities.
There is no charge to attend. Our seminars are complimentary and strictly educational.
No. We are not affiliated with Service Canada, the Canada Revenue Agency (CRA), or any other government agency.
No. Our seminars are strictly educational. The presenter may offer business cards or brochures about services they provide, but there is no obligation to engage with them during or after the seminar.
Email us at info@retirementplancanada.ca and let us know roughly where you are located. We'll reach out when a seminar is scheduled in your area.
Send us an email with your city or province and we'll let you know when a complimentary educational seminar is scheduled in your area.
