Free CPP guide
CPP Timing Guide
60 vs 65 vs 70 — the break-even math and how to think through the decision for your specific situation.
What's inside
- The exact break-even ages for starting CPP at 60, 65, and 70.
- When early CPP makes sense vs when delaying wins.
- Spousal coordination — why both spouses shouldn't always decide together.
- How CPP timing fits with OAS, RRSP drawdown, and income splitting.
- + 3 follow-up emails with real scenarios and the calculation behind the decision.
Ages 58–65Pre-retirement decisionFree
Want to run the numbers for your situation? Book a free assessment.