FAQ: How is OAS Indexing Applied on Adviice?

The platform only does annual indexing on OAS payments. The quarterly indexing that actually happens to OAS will result in a slightly higher OAS payment in reality. This small upside is not captured in the projections.

Long-term, the government benefit values, tax rate thresholds, tax credits etc are all automatically adjusted by inflation each year. The current long-term inflation assumption in the platform is +2.1%, this is the FP Canada standard that all CFPs in Canada should be using for their projections.