CPP Timing: Why "Always Wait Until 70" Is a Red Flag

Master Your Retirement Plan in 45 Minutes Register now → https://bit.ly/2THZzNj 🔔 Want personalized help with your retirement plan? Book a call → https://tetraultwealth.com/contact-us/ ⭐️⭐️ CPP Timing: Why "Always Wait Until 70" Is a Red Flag Most Canadians are told to delay CPP as long as possible, but blindly following that advice could cost you. The truth is, CPP doesn't exist in a vacuum. The right timing depends on your RRSP, TFSA, OAS, tax bracket, health, and overall retirement plan. In this video we break down exactly when delaying to 70 makes sense, when it doesn't, and how to think about CPP as part of a coordinated strategy, NOT a standalone decision. ✅ What you'll learn: - How CPP works at age 60, 65, and 70 - When delaying CPP is genuinely the right move - When taking CPP early actually makes more sense - How CPP interacts with RRSP, TFSA, OAS and your tax bracket - Why flexibility and irreversibility matter more than most realize - How to optimize after-tax retirement income — not just CPP alone CHAPTERS: 00:00 - Intro 00:44 - The Basics: CPP Explained 02:15 - "Block Out the Noise" 02:53 - When Delaying CPP Makes 03:39 - When Delaying CPP DOESN'T Make Sense 04:29 - Tax & Flexibility Considerations 06:16 - The Recap & What To do Next ▶️ If this topic resonates, consider subscribing for more Canadian retirement planning insights, real-world examples, and practical explanations, without hype or fear-based advice. 📩 Sign up to receive the Tetrault Wealth Newsletter that covers important investing topics, latest market news and engaging interviews with CEOs from stock market listed companies https://robtetrault.com/tetrault-newsletter/ #RetirementPlanning #WealthManagement #Retirement #Investing #RRSPMeltdown #RetirementSavings #CanadianInvesting