Many Canadians plan to finance retirement in whole or in part with various pension vehicles that include employer pension plans, Registered Retirement Savings Plans (RRSP), Old Age Security (OAS) and the Canada Pension Plan (CPP).  This page is focused on discussing the rules, strategies and the impact of changes to the OAS, CPP and RRSPs in retirement.  For example, if  able should we take early CPP benefits before turning 65?  Most analysts will say yes since you’re not likely to live long enough to maximize CPP returns otherwise.  However, other pension, employment or investment income may force you into  higher tax brackets and clawbacks that dilute the benefits of taking early CPP.  We’re open to discussion on the issues and any changes that our governments come up with.  Given the state of the economy and government revenues and obligations, there will be changes!