Complete Pension Education Program

Our flagship program provides comprehensive education on all aspects of Canadian pension planning. Designed for individuals aged 45+ who want to take control of their retirement security.

📚 8 Core Modules

Covering all major Canadian pension programs

⏱️ 20+ Hours of Content

Self-paced learning with lifetime access

📊 Planning Tools

Downloadable worksheets and calculators

🎓 Certificate of Completion

Recognized credential for pension knowledge

Education Program

Learning Modules

CPP Module

Module 1: Canada Pension Plan (CPP) Fundamentals

  • Understanding CPP eligibility requirements
  • Contribution calculations and maximums
  • Early vs. delayed pension strategies
  • Survivor and disability benefits
  • CPP splitting strategies for couples
Duration: 3 hours
OAS Module

Module 2: Old Age Security (OAS) Optimization

  • OAS eligibility and residency requirements
  • Understanding the clawback threshold
  • Guaranteed Income Supplement (GIS) benefits
  • Allowance programs for low-income seniors
  • Tax planning to minimize OAS clawback
Duration: 2.5 hours
Workplace Pensions

Module 3: Workplace Pension Plans

  • Defined Benefit vs. Defined Contribution plans
  • Pension portability and vesting
  • Group RRSP and DPSP strategies
  • Pension plan governance and your rights
  • Early retirement considerations
Duration: 3.5 hours
RRSP TFSA

Module 4: RRSP and TFSA Strategies

  • Maximizing RRSP contribution room
  • TFSA vs. RRSP decision framework
  • Spousal RRSP and income splitting
  • RRIF conversion strategies
  • Integration with government pensions
Duration: 2.5 hours
Tax Planning

Module 5: Retirement Tax Planning

  • Understanding tax brackets in retirement
  • Pension income splitting strategies
  • Medical expense and age credits
  • Provincial tax considerations
  • Estate planning and tax implications
Duration: 2 hours
Healthcare Planning

Module 6: Healthcare and Long-term Care

  • Provincial health coverage gaps
  • Private health insurance options
  • Long-term care insurance considerations
  • Health Spending Accounts (HSA)
  • Budgeting for healthcare costs
Duration: 2 hours
Estate Planning

Module 7: Estate and Legacy Planning

  • Will and estate planning essentials
  • Beneficiary designations
  • Power of attorney considerations
  • Tax-efficient wealth transfer
  • Charitable giving strategies
Duration: 2.5 hours
Implementation

Module 8: Implementation and Action Planning

  • Creating your personalized retirement plan
  • Setting up automated systems
  • Regular review and adjustment strategies
  • Working with financial professionals
  • Staying informed about pension changes
Duration: 2 hours

Course Features

Self-Paced Learning

Self-Paced Learning

Study at your own pace with 24/7 access to all course materials. Complete modules in any order that works for your schedule.

Expert Support

Expert Support

Access to certified financial planners for questions and guidance throughout your learning journey.

Practical Tools

Practical Tools

Downloadable calculators, worksheets, and templates to apply your learning immediately.

Current Information

Always Current

Course content updated annually to reflect the latest government regulations and pension changes.

Community Access

Community Access

Join our private online community to discuss strategies and share experiences with fellow learners.

Lifetime Access

Lifetime Access

One-time enrollment gives you lifetime access to all course materials and future updates.

Bonus Materials Included

📊 Retirement Planning Spreadsheet

Comprehensive Excel template for tracking all your retirement accounts and projecting future income.

📋 Government Forms Guide

Step-by-step instructions for completing CPP and OAS applications, including common mistakes to avoid.

📚 Resource Library

Curated collection of government resources, calculators, and reference materials.

🎥 Monthly Webinars

Live Q&A sessions with pension experts, plus access to our archive of recorded sessions.