CPP at 60, 65, or 70: Should You Spend RRSPs Early to Delay? скачать в хорошем качестве

CPP at 60, 65, or 70: Should You Spend RRSPs Early to Delay?

Book a FREE call with me here: https://calendly.com/s-francescut-ipc... “Should I take CPP early at 60—or delay until 70 to get a bigger payout?” It’s one of the most important retirement decisions you’ll make, and the truth is—it’s not just about CPP. In this video, I’ll walk you through a real case study from Alberta that shows how your CPP start date can impact far more than your monthly benefits. We’ll break down how this single decision affects: How much tax you pay now versus later The risk of OAS clawback Your RRSP and RRIF withdrawal strategy Your total government benefits over time And your after-tax estate value in retirement For many Canadians, drawing down RRSPs earlier to delay CPP can lead to a more tax-efficient income plan, more guaranteed government income, and a more stable retirement. But it also comes with trade-offs—especially around your portfolio longevity and estate planning goals. We’ll compare two retirement income strategies for a couple with $1.3M in RRSPs and no pensions: Start CPP at 60 and preserve RRSPs Delay CPP to 70 and spend RRSPs first You’ll see how their total lifetime government benefits shift by over $650,000, how their after-tax estate changes by $341,000, and where the breakeven points really lie. You’ll also learn: Why CPP grows faster than inflation if you delay Why the sequence of withdrawals matters for taxes How deferring CPP reduces pressure on investments later When early CPP actually creates a better short-term outcome This isn’t a one-size-fits-all answer. You’ll see how longevity, investment return, marginal tax rates, and lifestyle all shape the outcome. If you’re 55–70 and want help understanding the tax-smart way to coordinate CPP, RRSP, and OAS withdrawals, this is the video to watch. Click the link above to book a consultation and I’ll help you build a personalized strategy—so you don’t leave money on the table or take unnecessary risk in retirement. #cpp #rrspwithdrawal #cppstrategy #oasclawback #retirementplanning #canadianretirement #retirementstrategy #rrifwithdrawal #taxefficientretirement #delayedcpp #retireearlycanada #retirementincome #retirementcasestudy #wealthplanning #longevityrisk #cppvsrrsp #cppbenefits #canadiantaxplanning #nextstepwealth #financialplanning