How to Fund Your Retirement? CPP/OAS, Pensions and Decumulation - January 2026 Case Study

For many Canadians, retirement means moving from a single steady paycheck to juggling multiple income sources. This transition can be confusing, especially when every source, from government benefits to personal savings, has its own unique tax rules.

In this video we break down the rules and optimal timing for:

• Government Benefits (CPP/OAS)
• Pensions
• Personal Portfolios (RRSP/RRIF, TFSA, LIRA/LIF)

We show you how these tools work, and how to build the the optimal mix for your retirement plan.

• 5:52 - Fundamentals of Government Benefits (CPP, OAS)
• 15:12 - Fundamentals of Workplace Pensions (DB, DCPP)
• 18:26 - Fundamentals of Personal Investment Accounts (RRSP, TFSA, LIRA, Non-Reg)
• 34:02 - Building a Decumulation Plan
• 44:35 - How to Compare and Evaluate Options

Disclaimer: This video is for educational purposes only and does not constitute investment advice or financial advice. All information provided is for illustrative purposes only and you should not rely on such information as the primary basis of your investment, financial, or tax planning decisions. Every effort has been made to ensure the accuracy of its contents. No representations, warranties or guarantees are made as to the accuracy of any estimates or calculations provided. Nothing in this material should be construed as investment or tax advice, or a solicitation or offer, or recommendation, to buy or sell any financial product or securities. Before making any financial decision, you should review your situation with a financial planner.