057 | The Real Reason We Delay CPP But Not OAS

On episode 57 of Retirement Unpacked, Adam Bornn and Matthew Dennis discuss why we often suggest delaying CPP but not OAS, when you should actually use your income wedge, gifting strategies and which accounts you should consider gifting from, and much more.
Later in the episode, Kyle Martins joins the show to discuss some of the planning considerations Canadian retirees need to know as we approach the end of 2026.

Chapters
0:00 Intro
0:18 Why delay CPP but not OAS?
3:08 When should you use your income wedge?
8:34 Should you ever live off your TFSA in retirement?
15:11 Gifting money from your TFSA vs. non-registered
18:11 CPP timing when you expect to receive an inheritance
22:13 Can you protect an inheritance from a divorce?
24:35 LIRAs vs. annuities: What is better?
28:49 Does Parallel Wealth support blended families?
30:33 Considerations when gifting money
37:55 Planning considerations for year end
41:10 When does CPP sharing make sense?