{"id":583,"date":"2022-11-24T08:35:32","date_gmt":"2022-11-24T16:35:32","guid":{"rendered":"https:\/\/advisor.wellington-altus.ca\/mauro\/?p=583"},"modified":"2023-03-24T13:34:00","modified_gmt":"2023-03-24T20:34:00","slug":"earlier-or-later-deciding-when-to-start-cpp-benefits","status":"publish","type":"post","link":"https:\/\/advisor.wellington-altus.ca\/mauro\/2022\/11\/24\/earlier-or-later-deciding-when-to-start-cpp-benefits\/","title":{"rendered":"Earlier or Later? Deciding When to Start CPP Benefits"},"content":{"rendered":"<p>November is Financial Literacy Month. While we live and breathe financial literacy year-round, Financial Literacy Month presents another great opportunity to connect with our clients on some of their financial questions and concerns. One question that we at the Advanced Wealth Planning Group are often asked is: \u201cWhen should I start taking my CPP retirement benefits?\u201d Should they start them early? Take them later? Or perhaps stick with the standard age of 65 to start CPP?<\/p>\n<p>The answer to this question will always depend on an individual\u2019s specific circumstances. However, there are some guiding factors that a person can consider when making this decision; notably, the CPP breakeven age. The attached article discusses what the CPP breakeven age is and how to use it in your decision making. It also covers some other key considerations to weigh when deciding at which point to take CPP retirement benefits.<\/p>\n<p><a href=\"https:\/\/wellington-altus.ca\/wp-content\/uploads\/2022\/11\/When-to-take-CPP-11.22.pdf\" target=\"_blank\" rel=\"noopener\">Download this article as a PDF<\/a> or\u00a0<a href=\"https:\/\/wellington-altus.ca\/deciding-when-to-start-canada-pension-plan-retirement-benefits\/\">Click here<\/a> to read the full article.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>November is Financial Literacy Month. While we live and breathe financial literacy year-round, Financial Literacy Month presents another great opportunity to connect with our clients on some of their financial questions and concerns. One question that we at the Advanced Wealth Planning Group are often asked is: \u201cWhen should I start taking my CPP retirement [&hellip;]<\/p>\n","protected":false},"author":107,"featured_media":0,"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":[15],"tags":[],"class_list":["post-583","post","type-post","status-publish","format-standard","hentry","category-news-resources"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Earlier or Later? Deciding When to Start CPP Benefits - Mauro Family 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\/mauro\/2022\/11\/24\/earlier-or-later-deciding-when-to-start-cpp-benefits\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Earlier or Later? Deciding When to Start CPP Benefits - Mauro Family Wealth\" \/>\n<meta property=\"og:description\" content=\"November is Financial Literacy Month. While we live and breathe financial literacy year-round, Financial Literacy Month presents another great opportunity to connect with our clients on some of their financial questions and concerns. One question that we at the Advanced Wealth Planning Group are often asked is: \u201cWhen should I start taking my CPP retirement [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/advisor.wellington-altus.ca\/mauro\/2022\/11\/24\/earlier-or-later-deciding-when-to-start-cpp-benefits\/\" \/>\n<meta property=\"og:site_name\" content=\"Mauro Family Wealth\" \/>\n<meta property=\"article:published_time\" content=\"2022-11-24T16:35:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-03-24T20:34:00+00:00\" \/>\n<meta name=\"author\" content=\"Michael Mauro\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Michael Mauro\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/mauro\\\/2022\\\/11\\\/24\\\/earlier-or-later-deciding-when-to-start-cpp-benefits\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/mauro\\\/2022\\\/11\\\/24\\\/earlier-or-later-deciding-when-to-start-cpp-benefits\\\/\"},\"author\":{\"name\":\"Michael Mauro\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/mauro\\\/#\\\/schema\\\/person\\\/1953674e70268f48e7b439c16b134a89\"},\"headline\":\"Earlier or Later? Deciding When to Start CPP Benefits\",\"datePublished\":\"2022-11-24T16:35:32+00:00\",\"dateModified\":\"2023-03-24T20:34:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/mauro\\\/2022\\\/11\\\/24\\\/earlier-or-later-deciding-when-to-start-cpp-benefits\\\/\"},\"wordCount\":170,\"articleSection\":[\"News &amp; Resources\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/mauro\\\/2022\\\/11\\\/24\\\/earlier-or-later-deciding-when-to-start-cpp-benefits\\\/\",\"url\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/mauro\\\/2022\\\/11\\\/24\\\/earlier-or-later-deciding-when-to-start-cpp-benefits\\\/\",\"name\":\"Earlier or Later? Deciding When to Start CPP Benefits - Mauro Family Wealth\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/mauro\\\/#website\"},\"datePublished\":\"2022-11-24T16:35:32+00:00\",\"dateModified\":\"2023-03-24T20:34:00+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/mauro\\\/#\\\/schema\\\/person\\\/1953674e70268f48e7b439c16b134a89\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/mauro\\\/2022\\\/11\\\/24\\\/earlier-or-later-deciding-when-to-start-cpp-benefits\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/advisor.wellington-altus.ca\\\/mauro\\\/2022\\\/11\\\/24\\\/earlier-or-later-deciding-when-to-start-cpp-benefits\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/mauro\\\/2022\\\/11\\\/24\\\/earlier-or-later-deciding-when-to-start-cpp-benefits\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/mauro\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Earlier or Later? Deciding When to Start CPP Benefits\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/mauro\\\/#website\",\"url\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/mauro\\\/\",\"name\":\"Mauro Private Wealth Management Group\",\"description\":\"Wellington-Altus Private Wealth\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/mauro\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/mauro\\\/#\\\/schema\\\/person\\\/1953674e70268f48e7b439c16b134a89\",\"name\":\"Michael Mauro\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/19261891ab31a7621b3793aee9b9996f0884a7c630a8d6c527638ccac28ed414?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/19261891ab31a7621b3793aee9b9996f0884a7c630a8d6c527638ccac28ed414?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/19261891ab31a7621b3793aee9b9996f0884a7c630a8d6c527638ccac28ed414?s=96&d=mm&r=g\",\"caption\":\"Michael Mauro\"},\"url\":\"https:\\\/\\\/advisor.wellington-altus.ca\\\/mauro\\\/author\\\/michaelmauro\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Earlier or Later? Deciding When to Start CPP Benefits - Mauro Family Wealth","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/advisor.wellington-altus.ca\/mauro\/2022\/11\/24\/earlier-or-later-deciding-when-to-start-cpp-benefits\/","og_locale":"en_US","og_type":"article","og_title":"Earlier or Later? Deciding When to Start CPP Benefits - Mauro Family Wealth","og_description":"November is Financial Literacy Month. While we live and breathe financial literacy year-round, Financial Literacy Month presents another great opportunity to connect with our clients on some of their financial questions and concerns. One question that we at the Advanced Wealth Planning Group are often asked is: \u201cWhen should I start taking my CPP retirement [&hellip;]","og_url":"https:\/\/advisor.wellington-altus.ca\/mauro\/2022\/11\/24\/earlier-or-later-deciding-when-to-start-cpp-benefits\/","og_site_name":"Mauro Family Wealth","article_published_time":"2022-11-24T16:35:32+00:00","article_modified_time":"2023-03-24T20:34:00+00:00","author":"Michael Mauro","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Michael Mauro","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/advisor.wellington-altus.ca\/mauro\/2022\/11\/24\/earlier-or-later-deciding-when-to-start-cpp-benefits\/#article","isPartOf":{"@id":"https:\/\/advisor.wellington-altus.ca\/mauro\/2022\/11\/24\/earlier-or-later-deciding-when-to-start-cpp-benefits\/"},"author":{"name":"Michael Mauro","@id":"https:\/\/advisor.wellington-altus.ca\/mauro\/#\/schema\/person\/1953674e70268f48e7b439c16b134a89"},"headline":"Earlier or Later? Deciding When to Start CPP Benefits","datePublished":"2022-11-24T16:35:32+00:00","dateModified":"2023-03-24T20:34:00+00:00","mainEntityOfPage":{"@id":"https:\/\/advisor.wellington-altus.ca\/mauro\/2022\/11\/24\/earlier-or-later-deciding-when-to-start-cpp-benefits\/"},"wordCount":170,"articleSection":["News &amp; Resources"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/advisor.wellington-altus.ca\/mauro\/2022\/11\/24\/earlier-or-later-deciding-when-to-start-cpp-benefits\/","url":"https:\/\/advisor.wellington-altus.ca\/mauro\/2022\/11\/24\/earlier-or-later-deciding-when-to-start-cpp-benefits\/","name":"Earlier or Later? Deciding When to Start CPP Benefits - Mauro Family Wealth","isPartOf":{"@id":"https:\/\/advisor.wellington-altus.ca\/mauro\/#website"},"datePublished":"2022-11-24T16:35:32+00:00","dateModified":"2023-03-24T20:34:00+00:00","author":{"@id":"https:\/\/advisor.wellington-altus.ca\/mauro\/#\/schema\/person\/1953674e70268f48e7b439c16b134a89"},"breadcrumb":{"@id":"https:\/\/advisor.wellington-altus.ca\/mauro\/2022\/11\/24\/earlier-or-later-deciding-when-to-start-cpp-benefits\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/advisor.wellington-altus.ca\/mauro\/2022\/11\/24\/earlier-or-later-deciding-when-to-start-cpp-benefits\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/advisor.wellington-altus.ca\/mauro\/2022\/11\/24\/earlier-or-later-deciding-when-to-start-cpp-benefits\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/advisor.wellington-altus.ca\/mauro\/"},{"@type":"ListItem","position":2,"name":"Earlier or Later? Deciding When to Start CPP Benefits"}]},{"@type":"WebSite","@id":"https:\/\/advisor.wellington-altus.ca\/mauro\/#website","url":"https:\/\/advisor.wellington-altus.ca\/mauro\/","name":"Mauro Private Wealth Management Group","description":"Wellington-Altus Private Wealth","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/advisor.wellington-altus.ca\/mauro\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/advisor.wellington-altus.ca\/mauro\/#\/schema\/person\/1953674e70268f48e7b439c16b134a89","name":"Michael Mauro","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/19261891ab31a7621b3793aee9b9996f0884a7c630a8d6c527638ccac28ed414?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/19261891ab31a7621b3793aee9b9996f0884a7c630a8d6c527638ccac28ed414?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/19261891ab31a7621b3793aee9b9996f0884a7c630a8d6c527638ccac28ed414?s=96&d=mm&r=g","caption":"Michael Mauro"},"url":"https:\/\/advisor.wellington-altus.ca\/mauro\/author\/michaelmauro\/"}]}},"_links":{"self":[{"href":"https:\/\/advisor.wellington-altus.ca\/mauro\/wp-json\/wp\/v2\/posts\/583","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/advisor.wellington-altus.ca\/mauro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/advisor.wellington-altus.ca\/mauro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/advisor.wellington-altus.ca\/mauro\/wp-json\/wp\/v2\/users\/107"}],"replies":[{"embeddable":true,"href":"https:\/\/advisor.wellington-altus.ca\/mauro\/wp-json\/wp\/v2\/comments?post=583"}],"version-history":[{"count":3,"href":"https:\/\/advisor.wellington-altus.ca\/mauro\/wp-json\/wp\/v2\/posts\/583\/revisions"}],"predecessor-version":[{"id":587,"href":"https:\/\/advisor.wellington-altus.ca\/mauro\/wp-json\/wp\/v2\/posts\/583\/revisions\/587"}],"wp:attachment":[{"href":"https:\/\/advisor.wellington-altus.ca\/mauro\/wp-json\/wp\/v2\/media?parent=583"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/advisor.wellington-altus.ca\/mauro\/wp-json\/wp\/v2\/categories?post=583"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/advisor.wellington-altus.ca\/mauro\/wp-json\/wp\/v2\/tags?post=583"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}