CPP Change in 2026 Most Canadians Don’t Understand скачать в хорошем качестве

CPP Change in 2026 Most Canadians Don’t Understand

Book a FREE call with me here: https://calendly.com/d/cwwv-kf2-r3z/m... Most Canadians assume CPP is automatic. You work, you contribute, and at 65 you start collecting. Simple. But CPP in 2026 doesn’t work the way most people think it does. I regularly meet people with solid retirement plans — healthy RRSPs, diversified portfolios, clear income strategies — who have never actually reviewed their CPP strategy. They assume taking CPP at 65 is the default. Technically, that’s true. Strategically, it can be a costly mistake. The CPP enhancement, first introduced in 2019, reaches its final implementation phase in 2026. That means higher contributions, a higher income replacement rate, and a second CPP tier for higher earners. If you’re still working, your CPP deductions are increasing. If you’re planning to retire, the CPP you’ll receive may be very different from what previous generations collected. In this video, I break down what’s actually changing with CPP in 2026, how the inflation adjustment works, what the new YMPE and CPP2 tiers mean for higher earners, and why timing your CPP decision can have a permanent impact on your retirement income. We’ll also talk about how CPP interacts with RRSP and RRIF withdrawals, OAS clawbacks, and overall tax planning — because CPP should never be viewed in isolation. Maximizing CPP doesn’t always mean maximizing what you keep after tax. If you’re still working, close to retirement, or already thinking about when to take CPP, this is something you need to understand before making an irreversible decision. And if you’d like help reviewing how CPP fits into your broader retirement income plan, you can book a conversation using the link above. #cpp #cppplanning #retirementplanningcanada #canadianretirement #cppenhancement #cpp2026 #retirementincome #rrspplanning #rrifplanning #oasplanning #oassclawback #canadiantaxes #retirementtaxplanning #incomeplanning #financialplanningcanada #retirementstrategy #cppmistakes #retirementincomeplanning #cppbenefits #cppstrategy #canadianpension #retirementsecurity #taxefficientretirement #canadianfinance #retirementeducation #retirementconfidence #canadianinvesting #retirementdecisions