The first place we'll start is with the numbers. First, you'll need to determine how much income you'll need. Second, we'll go through how your Canada Pension Plan benefit is calculated and what personal factors can increase or decrease your benefit.

There are many sources of retirement income. In this unit, we'll go over where you should pull your income from in retirement. We'll discuss retiring before age 65, working part-time, rental income and business income. We'll spend extra time going over where to receive income from while delaying your CPP benefit.

Minimizing taxes and reducing benefit clawbacks allow you to keep more of your money and benefits. We'll talk about what to watch out for and how to determine the best mix of income sources long-term.

There are risks to be aware of in retirement. We'll go into detail about how CPP and OAS are affected when a spouse dies, and we'll go over the security and long-term risks of the Canada Pension Plan and Old Age Security.

In the final module we'll bring it all together to determine when is the best time to start your Canada Pension Plan and Old Age Security benefits. Doug and Dave will be live to answer your questions.