Pension Analysis Services
Comprehensive reviews designed to help you make informed decisions about your Canadian retirement benefits.
Essential Pension Review
Complete analysis of your CPP and OAS entitlements with optimal timing recommendations.
What's Included:
- Contribution record review
- Projection modeling at ages 60, 65, and 70
- Lifetime benefit comparison
- Written recommendations
Comprehensive Retirement Strategy
Full retirement income optimization including CPP, OAS, and integration with other income sources.
What's Included:
- Everything in Essential Review
- Tax impact analysis
- Income splitting strategies
- Clawback mitigation planning
- Two follow-up consultations
Couples Pension Coordination
Joint analysis for married or common-law partners to maximize household retirement income.
What's Included:
- Dual contribution analysis
- Coordinated claiming strategy
- Survivor benefit planning
- Income splitting optimization
- Joint consultation session
International Work History Analysis
Specialized review for those who worked outside Canada, including social security agreement benefits.
What's Included:
- Multi-country contribution review
- Agreement benefit calculation
- Gap identification and solutions
- Cross-border tax considerations
Annual Pension Check-In
Yearly review to adjust your strategy as circumstances change or new regulations come into effect.
What's Included:
- Updated projections
- Strategy adjustment review
- New opportunity identification
- 30-minute consultation
Post-Retirement Benefit Review
Analysis for those already receiving CPP who continue to work and want to understand their additional benefits.
What's Included:
- Post-retirement contribution tracking
- PRB accumulation projection
- Work-retirement balance optimization
- Annual benefit increase estimate
How It Works
Select Your Service
Choose the analysis that matches your needs and submit your request through our form.
Gather Your Records
We'll guide you through obtaining your CPP Statement of Contributions and any other necessary documents.
Analysis & Modeling
We review your information, run multiple scenarios, and identify the optimal strategy for your situation.
Receive Your Report
You'll get a comprehensive written report with clear recommendations and supporting calculations.
Follow-Up Support
Many services include consultation time to discuss your report and answer questions.
Frequently Asked Questions
Which service is right for me?
If you're looking for a straightforward CPP and OAS analysis, start with the Essential Pension Review. If you have additional income sources, complex tax situations, or want ongoing support, the Comprehensive Retirement Strategy is better suited. Couples should consider the Couples Pension Coordination for coordinated planning.
How long does the analysis take?
Most analyses are completed within 5-7 business days from when we receive all necessary documentation.
Can I upgrade my service later?
Yes. If you start with an Essential Review and later want the full Comprehensive Strategy, we'll credit your initial payment toward the upgrade.
Do you provide advice on investments?
No. We focus exclusively on government pension benefits (CPP and OAS). We don't sell investment products or manage portfolios.
What if I've already started receiving my pension?
We can still help. While some optimization options are no longer available once you've started receiving benefits, there may still be strategies to maximize your household income, especially related to income splitting or survivor benefits.
Ready to Get Started?
Choose your service and request your personalized pension analysis today.
Request Your Analysis