Please be Advised

OBS Financial is a full service Wealth Management Company, offering services in Investments, Insurance, Income Tax, Business Solutions and Mortgages.

Although we make every effort to provide unbiased information, we would like to advise our readers that we do have liscensed advisors who offer investment products such as RRSP's, RESP's, TFSA's and Non Registered Investments as part of our product lines. The companies that we deal with compensate us for placing your investements.


The Information on the page is posted for illistration purposes only, and SHOULD NOT be construed as Income Tax or Investemnt advice as you will soon see, every situation is different for every client and without a full understanding of a clients entire financial and income situation, no information can be accurate. We advise that all readers seek out professional advise from a licensed and well trained Wealth Management Advisor.

When is the best time to access your Canada Pension Plan benefits?


In 2012 the Federal Goverment introduced changes to how and when you can access your CPP benefits. Although some of the changes were good, the fine print makes this decision even tougher than it was before. In most cases, some professional guidance is required in order to decide what is right for you.


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Changes to the Canada Pension Plan

Over the past several years, our Federal Government has made many changes to the Canada Pension Plan. 

Most Recently in 2019 they introduced the Canada Pension Plan Enhancement.

This enhancement means that you and your employers will now have to pay an additional 2% into CPP by 2023 and even more in 2025.


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