CPP Timing: Why "Always Wait Until 70" Is a Red Flag
Long View Investing with Tetrault Wealth
Release Date: 06/04/2026
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⭐️⭐️ CPP Timing: Why "Always Wait Until 70" Is a Red Flag
Most Canadians are told to delay CPP as long as possible, but blindly following that advice could cost you. The truth is, CPP doesn't exist in a vacuum. The right timing depends on your RRSP, TFSA, OAS, tax bracket, health, and overall retirement plan.
In this video we break down exactly when delaying to 70 makes sense, when it doesn't, and how to think about CPP as part of a coordinated strategy, NOT a standalone decision.
✅ What you'll learn:
- How CPP works at age 60, 65, and 70
- When delaying CPP is genuinely the right move
- When taking CPP early actually makes more sense
- How CPP interacts with RRSP, TFSA, OAS and your tax bracket
- Why flexibility and irreversibility matter more than most realize
- How to optimize after-tax retirement income — not just CPP alone
CHAPTERS:
00:00 - Intro
00:44 - The Basics: CPP Explained
02:15 - "Block Out the Noise"
02:53 - When Delaying CPP Makes
03:39 - When Delaying CPP DOESN'T Make Sense
04:29 - Tax & Flexibility Considerations
06:16 - The Recap & What To do Next
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