Retirement

Aravind Sithamparapillai of Ironwood Wealth Management presents his research on the true cost of the Canada Pension Plan. The conversation reframes CPP as inflation-protected longevity insurance, examines the take-it-at-60-versus-70 decision, and looks at how salary-versus-dividend choices affect contributions and benefits.

Braden Warwick of PWL Capital shares his research on optimal compensation, saving, and consumption for incorporated business owners. Listeners learn why there is no single right salary-dividend mix, how the passive income threshold interacts with the small business deduction, and where Individual Pension Plans can fit.

Aaron Hector of CWB Wealth breaks down the First Home Savings Account, Canada's newest registered account. The episode covers the annual and lifetime contribution limits, the combination of deductible contributions and tax-free qualifying withdrawals, and the eligibility fine print that is widely misunderstood at launch.

Old Age Security gets a close look from private wealth advisor Aaron Hector of CWB Wealth. He explains the income threshold where the OAS clawback begins, why the clawback frustrates so many retirees, and how expected longevity shapes the choice between taking OAS at 65 or deferring to 70.

Doug Runchey of DR Pensions Consulting, a foremost authority on the Canada Pension Plan, breaks down how CPP really works. Topics include contribution rates and where they are headed, what happens when benefits start before 65, and how working past 65 can replace lower-earning years in the calculation.

Authors David Field and Alexandra Macqueen discuss the fifth edition of The Boomers Retire. The conversation covers how Canada's retirement system compares internationally, the role advisors can play in guiding clients into and through retirement, and the risks that come with investing.

Fraser Lang joins Jason to explore retirement planning beyond the RRSP for incorporated business owners. The episode explains how Individual Pension Plans build contribution room with age, when past-service top-ups apply, and how Retirement Compensation Arrangements can supplement a retirement plan.