Retirement Planning

CPP/QPP and OAS timing strategy can materially change your lifetime retirement income, but most individuals plan this decision on their own or with generic guidance, rather than with someone who can model different start ages against their broader retirement plan.

The age at which you start CPP/QPP and OAS can meaningfully change your lifetime retirement income, but most people make that decision with a generic rule of thumb rather than a model that accounts for their broader retirement income plan, their spouse’s benefit and their own health and longevity expectations.

Modelling CPP/QPP and OAS timing strategy as part of your broader retirement income plan, rather than as a separate, one-time decision, helps you see how timing interacts with your other income sources and overall retirement security.

Claiming strategy is one of the few retirement decisions that’s genuinely hard to undo.  HUB advisors model it before a client decides, not after, because the cost of guessing wrong compounds for decades.

You have a CPP/QPP and OAS timing decision grounded in a model of your full retirement income picture, rather than a generic rule of thumb applied without that context.

A retirement plan built during your accumulation years is exposed to sequence-of-returns risk when income needs to be drawn from it, and often doesn’t explicitly account for a second, growing expense: healthcare and long-term-care costs in retirement.

A retirement plan built during your accumulation years faces its biggest test right when income starts being drawn from it; market volatility at that exact moment can do outsized damage. Add healthcare and long-term-care costs that grow with age, and many plans simply weren’t designed to absorb either pressure.

Adjusting your plan as retirement approaches, building in protection against sequence-of-returns risk and accounting explicitly for healthcare and long-term-care costs, closes the gap between a plan built for accumulation and one built to hold up once income needs to be drawn.

The plans that hold up aren't the ones that grew the fastest during accumulation. They're the ones adjusted before the client needs to start drawing on them.

You have a retirement income plan designed to withstand market volatility at the moment it matters most, with healthcare and long-term-care costs accounted for rather than left as an open question.

Your retirement income typically comes from several separate sources: an employer plan, CPP/QPP and OAS, personal savings and, for business owners, potentially the business itself. Healthcare or long-term care needs are often planned by a separate specialist entirely.

Retirement planning often gets split across multiple specialists, with income strategies handled separately from healthcare or long-term care decisions, even though they’re all part of the same overall retirement picture.

Bringing your income sources and healthcare/long-term-care planning together into one coordinated retirement plan, rather than leaving each piece with a different advisor or none at all, gives you a single, coherent view of what your retirement will look like.

Most people can name each piece of their retirement income separately. What’s harder is seeing how all the pieces work together, which is exactly where a coordinated plan helps.

You have one coordinated retirement income plan spanning your employer plan, CPP/QPP and OAS, personal savings and healthcare/long-term-care needs, instead of several disconnected pieces you’re assembling on your own.