Award-Winning Portfolio Manager Rob Tetrault provides insight for investors on a wide array of wealth management topics.
Constantly ranked in the Top 5 Wealth Advisors in Canada, Rob is a Senior Investment Advisor and Portfolio Manager at Tetrault Wealth from Canaccord Genuity Wealth Management.
He initially worked as a litigation lawyer at Aikins MacAulay Thorvaldson. He then completed a Finance MBA and was a member of the Dean’s list at the Asper School of Business.
The Rob Tetrault podcast show includes discussions on investment, tax, insurance, retirement and estate planning.
From RESPs to Family Trusts, Rob’s goal is to provide value and crucial information to all investors no matter what age and what their current net worth is.
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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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