Timing is one of the most important decisions in retirement. Starting too early or too late can have significant effects on your income.
This video highlights how government benefits work and how personal circumstances should guide your timing decisions.
- CPP can start at 60 or be delayed to 70 for higher benefits
- Delaying OAS increases your monthly payments
- GIS supports lower-income retirees and depends on household income
- Longevity, taxes, and other income sources affect the best timing


