In episode 25 of Retirement Unpacked, Adam and Paul break down how OAS clawback works year to year, whether it still makes sense to delay CPP to 70 if you stop contributing early, the best place to park money when you don't need the mandated withdrawals, and much more.

Later in the episode, one of our planners, Martin Goudreault, joins to discuss a couple client success stories, and the impact that a retirement plan can have for Canadians.Chapters:

0:00 Intro

1:00 What happens if you die before you start your pension?
4:37 Can OAS clawback vary from year to year?
7:47 Planning around a large account size gap between spouses
10:34 Stopped contributing to CPP early: Does delaying still make sense?
14:08 Best ways to deplete RESPs
18:53 Moving money from LIF to RRSP
22:42 Best place to park money when you don't need it
26:35 In-kind transfers from RRIF to TFSA
29:42 Delaying CPP to 70: What if spouse passes early?
33:55 Client success stories
38:27 Warning: Firms are cutting planning, but not fees