Dates and location
Pricing
Hours
Dates and location
Pricing
Hours
Description
This is an updated version of the 2023 course with the same title, specifically redesigned for 2026 to address the evolving landscape of Canadian retirement benefits. As of 2025, the CPP enhancement program is now fully implemented, bringing significant changes to contribution rates and benefit calculations that every financial professional and retiree must understand.
In this course, we cover everything you need to know about the Canada Pension Plan (CPP) and Old Age Security (OAS) to maximize your total benefits. We dive deep into the new "second earnings ceiling" (YAMPE) and how it affects premiums and tax treatment—especially for self-employed individuals and high-income earners. We also explore critical policy changes effective January 2025 regarding pension sharing, survivor benefits, and credit splitting for divorced or separated couples.
You will see a detailed demonstration of the updated My Service Canada Account (MSCA) dashboard and learn how to use specialized tools to determine the optimal age to start your pension.
To ensure you leave with actionable resources, you will receive three free spreadsheets: the CPP Retirement Pension Calculator, the CPP Elect Age Calculator, and the CPP Return Calculator, along with a comprehensive package of all the government forms discussed.
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Key Takeaways
Upon completion of this course, learners will be able to:
- Calculate your specific CPP retirement pension using provided spreadsheets.
- Understand the fully implemented CPP enhancement and the new second earnings ceiling (YAMPE).
- Navigate the 2024/2025 updates to the My Service Canada Account dashboard.
- Apply January 2025 policy updates for survivor pensions and pension sharing.
- Determine the optimal timing strategies for starting CPP and OAS based on inflation, wage growth, and tax-efficiency.
- Advise clients on the tax-deductibility of first and second additional CPP contributions.
Who Will Benefit
This course will benefit:
- CPAs and financial professionals who advise clients on retirement and tax planning.
- Business owners navigating complex self-employed CPP contribution requirements.
- Individuals planning for retirement who want to ensure they don't "leave money on the table".
- Younger workers who stand to benefit most from the long-term 50% increase in maximum benefits.
How to Access the Course
New mobile learning! Download Blackboard Learn from your app store (iOS or Android). Learn more.
To access the course on your computer please visit our BlackBoard site, and log-in using the same login and password used for the Registration Portal.
Please allow up to 15 minutes after registration for the course to appear on your BlackBoard page.
Registration, cancellation, withdrawal and all other CPA Ontario PD policies can be found here.
Speaker(s)
David Trahair, CPA, CA, is a financial writer, trainer and best-selling author. His other books include Smoke and Mirrors, Enough Bull, Crushing Debt, and The Procrastinator’s Guide to Retirement. His views are totally independent because he does not sell any financial products. He currently operates his own financial training firm and offers seminars to organizations.