Welcome to Optimizing Your CPP

Most people underestimate the magnitude and role their Canada Pension Plan plays as part of their sustainable retirement income plan. The financial benefit of making the right decision can often add hundreds of thousands of dollars to your lifetime assets and cash flow. Relying on ‘conventional wisdom’ that says you should start as early as possible, especially if you’re part of a couple, can be very costly.

Our CPP Optimization Process™ is a quick, easy two-step process:

Step 1: Discover how close your current CPP start date choice is to your optimal choice and the cost of choosing poorly.

Step 2: Clearly identify your optimal choice as you learn first-hand how the power of Elegant Simplicity” leads to better choices.

To avoid passing up money you are entitled to, start Step 1 of our CPP Optimization Process™ now. To begin, enter your email address (so we’ll know where to send your results).

Your Email Address:

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Poor choices can be very costly

The rules surrounding the Canada Pension Plan have changed dramatically. Those who fail to adapt to this new reality are going to make expensive mistakes.

To help you make the right decision about when to start collecting your CPP, we need to know a little about your circumstances, including your relationship status, to ensure we take things like potential survivor’s benefits into account when doing our analysis.

Relationship Status:

Better choices = better retirement

The next two things we need know are your current age(s) and when you plan to start collecting your CPP benefits.

This information will allow us to calculate the lifelong income you’re entitled to. We’ll then compare that number to all of the other options that are available to you.

Lifespan has the largest impact on your start date

One of the final pieces of this puzzle is to estimate the total number of years you will be collecting your CPP benefits.

Once you fill in your gender and smoking status, we’ll assign a probability to how long you are likely to live, using the same actuarial tables that insurance companies rely on. If you’d like to increase or decrease your projected longevity, based on knowledge of your family/health history, use the slider button to adjust the number.

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Projected CPP benefits you'll receive at age 65

The last thing we need to do before we optimize your CPP start date is to estimate how much of the maximum CPP benefit available you’re likely to receive annually at age 65.

If you aren’t sure how much you’ll receive, but have worked steadily from age 18, we suggest choosing a number somewhere between 75% and 95%. If you had years where you were out of the workforce or had a lower income, we suggest that you choose a lower percentage of the maximum available.

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Don't miss out on money you're entitled to

Take a close look at the numbers below. When you compare the amount of lifetime CPP income you’d receive under your current plan with the amount you’d receive with the right plan, you can easily see the value of starting your CPP at the right time.

Having discovered that your current choice is not your optimal choice, you are now ready to progress to Step 2 of our CPP Optimization Process™. To do that, we’ll need to have brief conversation – either over the phone or in-person. Book your complimentary 30-minute CPP consultation now. You have nothing to lose and everything to gain, including the added security that comes from knowing you made the right choices.

Lifetime CPP Income

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New Income $$$
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Your Current Plan
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The Right Plan
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Improvement in lifetime cash flow

Book your complimentary 30-minute CPP Consultation today

To get started, simply choose the day and time that works best for you. Once your appointment has been scheduled, we will send you details on how to join our online meeting. All times are Eastern Standard Time