7 CPP Mistakes That Could Cost You Thousands in 2025

Watch Should You Defer OAS in 2025? 5 Smart Reasons to Wait (or Not):    • Should You Defer OAS in 2025? 5 Smart Reas...  

Confused about when to claim your Canada Pension Plan benefits? In this video, we walk through common timing traps, post-2019 enhancements, and planning oversights—so you can maximize your CPP income and minimize surprise tax hits. We’ll cover why early or late claims can cost you, how to leverage new contribution rules, and smarter strategies like pension sharing with a spouse.

Sources:
https://www.alitis.ca/wp-content/uplo...
CPP-Breakeven-Analysis.pdf on video description
https://www.canada.ca/en/services/ben...

_________________________
⬇️ Book a call to discuss your Personalized Retirement Strategy:
https://www.fergusonfinancialplanning...
📩 Get insights right to your inbox:
https://www.fergusonfinancialplanning...
_________________________
🎬 Chapters
00:00 Intro
1:48 Claiming Too Early
3:07 Delaying Too Long
5:21 CPP Enhancements
7:08 Post-60 Contributions
8:43 Survivor Benefits
10:22 OAS & Taxes
11:46 Pension Splitting
13:48 Recap

Jacqueline Ozdemir is a Financial Advisor at Assante Capital Management Ltd. Assante Capital Management Ltd. is a Member of the Canadian Investor Protection Fund and the Canadian Investment Regulatory Organization. Insurance products and services are provided through Assante Estate and Insurance Services Inc.

This material is provided for general information and should not be considered individual
investment, tax, accounting, or legal advice, or construed as an offer or solicitation to buy or
sell securities.

The statements and opinions expressed are those of the presenter(s) and not necessarily
those of Assante Capital Management Ltd. All opinions expressed and information provided
herein are subject to change without notice. Every effort has been made to compile this
material from reliable sources as at the date indicated however, no warranty can be made as
to its accuracy or completeness Market conditions may change which may impact the
information contained herein. All charts and illustrations in this document are for illustrative
purposes only and they are not intended to predict or project investment results. In
considering any particular investment or investment strategy, please remember that past
performance is no guarantee of future performance. We caution you not to place undue
reliance on any statements that are predictive in nature, depend upon or refer to future
events or conditions, as a number of factors could cause actual events or results to differ
materially from those expressed in any forward-looking statement, including economic,
political and market changes and other developments. The information contained herein may
not apply to all types of investors. Before acting on the information presented, please seek
professional financial advice based on your personal circumstances.