{"id":1969,"date":"2025-08-19T08:00:51","date_gmt":"2025-08-19T08:00:51","guid":{"rendered":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/?p=1969"},"modified":"2025-08-19T19:33:36","modified_gmt":"2025-08-19T19:33:36","slug":"maximizing-future-benefits","status":"publish","type":"post","link":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/maximizing-future-benefits\/","title":{"rendered":"Maximizing Future Benefits"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1969\" class=\"elementor elementor-1969\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7611bf84 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7611bf84\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-48fee407\" data-id=\"48fee407\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-399672e1 elementor-widget elementor-widget-text-editor\" data-id=\"399672e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>OAS Timing Matters \u2014 Even for HNW Investors<\/h2><p style=\"text-align: justify\">If you\u2019re nearing retirement, deciding when to start Old Age Security (OAS) benefits should be a consideration. OAS is sometimes overlooked by high-net-worth (HNW) investors for the following reasons:<\/p><ul><li style=\"text-align: justify\">Modest benefit \u2014 The OAS benefit may seem less significant for those with substantial assets or significant pension income.<\/li><li style=\"text-align: justify\">Clawback concerns \u2014 Many HNW individuals believe they will exceed the OAS clawback threshold. As a result, they assume they\u2019ll lose most\u2014or all\u2014of the benefit.<\/li><li style=\"text-align: justify\">Focus on bigger financial levers \u2014 Some HNW investors focus on other tax strategies, business succession, estate planning and investment growth\u2014leaving smaller government benefits like OAS off the radar.<\/li><\/ul><p style=\"text-align: justify\">Yet, it shouldn\u2019t be dismissed. Government benefits offer valuable longevity protection\u2014guaranteed by the federal government and indexed to inflation. While the Canada Pension Plan (CPP) is based on work history and contributions, OAS is a universal benefit available to most Canadians, regardless of their employment background. With thoughtful tax and retirement planning, it can play a subtle but meaningful role in preserving capital and improving cash flow in retirement\u2014even for those with significant assets.<\/p><p>Here are key factors to consider:<\/p><p style=\"text-align: justify\"><strong>Delaying OAS can increase benefi<\/strong>ts. OAS payments typically begin at age 65. The maximum monthly OAS payment is $727.67 (Q1 2025, ages 65 to 74*), which equates to $8,732 per year. Unlike the CPP, which can begin at age 60, you cannot start OAS early. However, you can delay OAS benefits until age 70, increasing payments by 0.6 percent per month to a maximum of 36 percent (which equates to an additional $262 per month or $3,144 more per year based on current figures).<br \/><strong>Understanding the clawback<\/strong>. Unlike CPP, OAS is subject to a recovery tax (clawback). If your net annual income is greater than $93,454 (2025), your OAS is reduced by 15 percent of the excess amount. If net income reaches $151,668 (ages 65 to 74), your OAS benefit is fully eliminated.<\/p><p style=\"text-align: justify\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-3656 size-full\" src=\"https:\/\/advisor.wellington-altus.ca\/towerwealthadvisory\/wp-content\/uploads\/sites\/37\/2025\/06\/sb5.jpeg\" alt=\"\" width=\"1109\" height=\"540\" \/><br \/><strong>Other income sources can affect OAS timing.<\/strong> Due to the clawback, it is important to consider how other income streams can impact benefits, including:<\/p><ul><li style=\"text-align: justify\"><strong>Employment income<\/strong> \u2014 If you plan to continue working past the age of 65 and have a high income, delaying OAS may help you avoid the clawback.<\/li><li style=\"text-align: justify\"><strong>Mandatory RRIF withdrawals<\/strong> \u2014 If you convert your RRSP to the RRIF at age 71, mandatory RRIF withdrawals will begin at age 72, increasing taxable income. Some retirees choose to convert their RRSP to the RRIF earlier and withdraw smaller amounts before 65 to reduce the size of mandatory withdrawals later. This strategy can help manage taxable income and potentially mitigate the impact of the OAS clawback.<\/li><li style=\"text-align: justify\"><strong>CPP payments<\/strong> \u2014 CPP payments are taxable and will increase net income. The maximum monthly CPP payment is $1,433 (2025 ), or $17,196 annually. If you choose to delay CPP, this will increase payments by 8.4 percent per year after age 65, to a maximum of 42 percent (equating to an additional $602\/month or about $7,224\/year).<\/li><li style=\"text-align: justify\"><strong>TFSA withdrawals<\/strong> \u2014 TFSA withdrawals are not taxable and therefore will not impact OAS eligibility, making the TFSA a potentially useful tool to preserve benefits if income is needed.<\/li><\/ul><p style=\"text-align: justify\"><strong>Preserving benefits through pension income splitting.<\/strong> If you have a spouse or common-law partner, splitting eligible pension income may help reduce taxable income to avoid the clawback. However, be aware that it could impact your spouse\u2019s OAS eligibility.<\/p><h4>What If Your Circumstances Change?<\/h4><p style=\"text-align: justify\">If you plan to defer OAS but later experience health issues or a shortened life expectancy, you may be eligible for retroactive payments, up to a maximum of 11 months, from the date an application is received by Service Canada.<\/p><h4>Need Support?<\/h4><p style=\"text-align: justify\">Deciding when to take OAS is just one part of a comprehensive retirement strategy. We <span style=\"color: #ff00ff\">are\/I<\/span> am here to help you navigate these decisions and optimize your retirement income. For a deeper discussion, please reach out.<\/p><p style=\"text-align: justify\">For more information, see: https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/old-age-security\/benefit-amount.html *Or $800.44 per month for ages 75 and older. You will receive the increase starting in the month following your 75th birthday. This article should not be construed as specific tax advice. Please consult tax advisors regarding your situation.<\/p><p style=\"text-align: justify\"><a href=\"https:\/\/advisor.wellington-altus.ca\/towerwealthadvisory\/\"><img decoding=\"async\" src=\"https:\/\/advisor.wellington-altus.ca\/towerwealthadvisory\/wp-content\/uploads\/sites\/37\/2024\/03\/2.png\" alt=\"\" width=\"2088\" height=\"604\" \/><\/a><\/p><p style=\"text-align: justify\"><span style=\"font-size: 8pt;color: #2c4357\">The information contained herein has been provided for information purposes only. The information has been drawn from sources believed to be reliable. Graphs, charts and other numbers are used for illustrative purposes only and do not reflect future values or future performance of any investment. The information does not provide financial, legal, tax or investment advice. Particular investment, tax, or trading strategies should be evaluated relative to each individual\u2019s objectives and risk tolerance. This does not constitute a recommendation or solicitation to buy or sell securities of any kind. Market conditions may change which may impact the information contained in this document. Wellington-Altus Financial Inc. (Wellington-Altus) is the parent company to Wellington-Altus Private Wealth Inc. (WAPW), Wellington-Altus Private Counsel Inc. (WAPC), Wellington-Altus Insurance Inc. (WAII), Wellington-Altus Group Solutions Inc. (WAGS), and Wellington-Altus USA Inc. Wellington-Altus (WA) does not guarantee the accuracy or completeness of the information contained herein, nor does WA assume any liability for any loss that may result from the reliance by any person upon any such information or opinions. Before acting on any of the above, please contact your financial advisor..<\/span><\/p><p style=\"text-align: center\"><span style=\"font-size: 8pt\">\u00a92024, Wellington-Altus Private Wealth Inc., Wellington-Altus Private Counsel Inc., Wellington-Altus Insurance Inc., Wellington-Altus Group Solutions Inc., and Wellington-Altus USA\u00a0<\/span><span style=\"font-size: 8pt\">Inc. ALL RIGHTS RESERVED. NO USE OR REPRODUCTION WITHOUT PERMISSION. <span style=\"color: #2c4357;font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-weight: var( --e-global-typography-text-font-weight );letter-spacing: var( --e-global-typography-text-letter-spacing )\">www.wellington-altus.ca<\/span><\/span><\/p><p style=\"text-align: center\"><span style=\"font-size: 10pt;color: #2c4357\"><span style=\"font-size: 8pt\">If you no longer wish to receive commercial electronic messages from Wellington-Altus Private Wealth Inc., please send an email to unsubscribe@wellington-altus.ca<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>As an investor, wouldn\u2019t it be great to travel back in time 30 years to alter the course of the future? Knowing what you know now, would you choose to do things differently?<\/p>\n","protected":false},"author":68,"featured_media":1571,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[24],"tags":[144,157,146,42,145,79,49],"class_list":["post-1969","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","tag-capital-gains","tag-financial-advice","tag-financial-freedom","tag-financial-planning","tag-wealth-advisory","tag-wealth-management","tag-wealth-planning"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Maximizing Future Benefits - Harvest Time Wealth<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/maximizing-future-benefits\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Maximizing Future Benefits - Harvest Time Wealth\" \/>\n<meta property=\"og:description\" content=\"As an investor, wouldn\u2019t it be great to travel back in time 30 years to alter the course of the future? 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