The $100,000 Decision: Your CPP/QPP and Other Key Choices to Transform Your Retirement

What if you could have $100,000 more in retirement income, without saving one more penny?

Your CPP or QPP is easy to overlook before you retire, and hard to imagine living without once you do. It’s guaranteed for life, protected against inflation, and doesn’t depend on market returns or guessing how long you’ll live. You can start it any time between 60 and 70 (72 for the QPP), and the age you choose sets your payments for the rest of your life. Wait until 70, and your monthly pension can be more than double what it would be at 60. For the average Canadian, claiming at 60 instead of 70 means giving up about $100,000 in lifetime income.

That choice matters more now than ever. Retirements are longer and more expensive than our parents’ were, especially once care is needed, and the large families and workplace pensions that carried earlier generations through old age are largely gone. The person you’ll be at 85 has no one looking out for them but you.

The $100,000 Decision shows you how to get the most from your CPP or QPP, why the usual advice (“take it early, you might not live to collect”) steers so many people wrong, and how the choices you make at the start of retirement shape your health, your family, and your freedom to enjoy the savings you spent a lifetime building.

So the question this book leaves you with isn’t When should I claim CPP? It’s the one underneath it: What would my future self thank me for?

Available February 9, 2027. PRE-ORDER NOW!

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