{"id":49520,"date":"2025-11-24T08:38:22","date_gmt":"2025-11-24T08:38:22","guid":{"rendered":"https:\/\/equiton.ca\/?p=49520"},"modified":"2025-12-17T10:56:24","modified_gmt":"2025-12-17T10:56:24","slug":"early-retirement-age-canada-2025-cpp-oas-income-strategies","status":"publish","type":"post","link":"https:\/\/equiton.ca\/fr\/blog\/uncategorized\/early-retirement-age-canada-2025-cpp-oas-income-strategies\/","title":{"rendered":"Early Retirement Age in Canada (2025): CPP, OAS & Alternative Income Guide & Strategies"},"content":{"rendered":"\t\t
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Early Retirement Age in Canada (2025): CPP, OAS & Alternative Income Guide & Strategies<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Published On: October 31, 2025\u00a0 Categories: Insights<\/span><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\tTable of Contents\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Early Retirement Age in Canada<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\tUnderstanding Canada\u2019s Two Government Pensions\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tCPP Reduction Penalties: How the Math Actually Works\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tCPP Starting Age Impact\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tEarly Retirement Without Government Pensions\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tWhy FI\/RE Appeals to Canadians\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tFinal Thoughts: Early Retirement In Canada is Possible\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Early Retirement Age in Canada: When Can You Actually Stop Working?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tRetirement looks different for every Canadian. Some dream of stepping away from the 9-to-5 in their 50s, while others plan to continue working well into their 70s. But when we talk about the early retirement age in Canada, the question is really: When can you actually afford to stop working \u2013 and what do government rules allow?\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The answer depends on a combination of factors: government pensions ( CPP<\/span><\/a> and OAS<\/span><\/a>), workplace pensions, personal savings, and increasingly, alternative income streams.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Official Early Retirement Ages in Canada \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tCanada doesn\u2019t have a single \u201cofficial\u201d retirement age. Instead, it depends on which source of retirement income you\u2019re relying on. \n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Related:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • Is Active or Passive Real Estate Investing Right For You?<\/span><\/a><\/li>\n \t
  • Unlock the Power of Canada\u2019s Registered Accounts\n<\/span><\/a><\/li>\n \t
  • What is Private Equity?<\/span><\/a><\/li>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Understanding Canada\u2019s Two Government Pensions\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Canada Pension Plan (CPP) Explained\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • A pension you earn through working and making contributions.<\/li>\n \t
  • The more you earn and contribute during your working years (up to the annual CPP maximum), the larger your CPP payment.<\/li>\n \t
  • You can start as early as age 60 or delay until 70.<\/li>\n \t
  • Your benefit amount depends on how much you contributed over your career.<\/li>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Old Age Security (OAS) Explained\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • A pension you typically qualify for simply by living in Canada long enough (10+ years after age 18).<\/li>\n \t
  • Everyone gets roughly the same amount regardless of work history.<\/li>\n \t
  • You can only start at age 65 (no early option).<\/li>\n \t
  • Can be clawed back if your retirement income is too high.<\/li>\n \t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tKey difference:<\/span><\/a> CPP is like a workplace pension you paid into; OAS is a residency-based benefit.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    Age 60: Earliest CPP Retirement Pension<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    The Canada Pension Plan (CPP) can be taken as early as age 60<\/span><\/a>, though you\u2019ll face a permanent reduction in benefits.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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    \n\t\t\t\t\t\t\t\t\tAge 55: Workplace Pension Plans\n<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tMany defined benefit<\/span><\/a> workplace pension plans allow retirement as early as age 55, depending on your employer\u2019s rules.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    No Minimum Age: Personal Savings Retirement\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tIf you\u2019ve built enough personal wealth \u2013 through RRSPs<\/span><\/a>, TFSAs<\/span><\/a>, or non-registered investment accounts \u2013 you can technically retire at any age, even in your 40s or earlier. This is where the FI\/RE (Financial Independence, Retire Early) movement and real estate investing intersect.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tWant to learn how to reach financial independence or retire earlier (FI\/RE)? We explore this and more in detail in the latter half of this section.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Canada Pension Plan (CPP) Early Retirement at 60\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    CPP is a cornerstone of most Canadians\u2019 retirement income. But taking it early comes with trade-offs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    CPP Reduction Penalties: 36% Maximum Decrease\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tIf you start CPP at 60, your payments are reduced by 0.6% per month before age 65<\/span><\/a>. That\u2019s a 36% reduction if you take it the moment you turn 60.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tFor example, if your CPP benefit at 65 would be $1,000\/month, taking it at 60 drops it to $640\/month \u2014 for life.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    \n\t\t\t\t\t\t\t\t\tRetirement Planning Made Easy With Private\nReal Estate Investments\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    Related:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • How to Invest In Real Estate Using Your RRSP & TFSA<\/span><\/a><\/li>\n \t
  • Unlock the Power of Canada\u2019s Registered Accounts\n<\/span><\/a><\/li>\n \t
  • The Potential Tax Benefits of Investing in Private REITs<\/span><\/a><\/li>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tContact us today<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    CPP Reduction Penalties: How the Math Actually Works<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    If you start CPP before age 65, your payments are permanently reduced by 0.6% for every month before your 65th birthday.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    Here\u2019s what that means in real terms:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    Start CPP at age 60?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • You\u2019re starting 60 months (5 years) early<\/li>\n \t
  • 60 months \u00d7 0.6% = 36% reduction<\/li>\n \t
  • If your age-65 benefit would be $1,000\/month, you\u2019ll get $640\/month instead<\/li>\n \t
  • This reduction is permanent \u2013 it doesn\u2019t go back up when you turn 65<\/li>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Start CPP at age 62?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • You\u2019re starting 36 months (3 years) early<\/li>\n \t
  • 36 months \u00d7 0.6% = 21.6% reduction<\/li>\n \t
  • $1,000 benefit becomes $784\/month<\/li>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    The math works the same way for delaying CPP past 65 \u2013 you gain 0.6% per month:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    Delay CPP until age 70?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • You\u2019re delaying 60 months (5 years)<\/li>\n \t
  • 60 months \u00d7 0.6% = 36% increase<\/li>\n \t
  • $1,000 benefit becomes $1,360\/month<\/li>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    CPP Starting Age Impact Table:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n
    Age You Start CPP<\/th>\r\nMonths Before\/After 65<\/th>\r\nReduction\/Increase<\/th>\r\n$1,000 Benefit Becomes<\/th>\r\n<\/tr>\r\n<\/thead>\r\n
    60<\/td>\r\n60 months early<\/td>\r\n-36%<\/td>\r\n$640\/month<\/td>\r\n<\/tr>\r\n
    62<\/td>\r\n36 months early<\/td>\r\n-21.6%<\/td>\r\n$784\/month<\/td>\r\n<\/tr>\r\n
    65<\/td>\r\nStandard age<\/td>\r\n0%<\/td>\r\n$1,000\/month<\/td>\r\n<\/tr>\r\n
    67<\/td>\r\n24 months late<\/td>\r\n+14.4%<\/td>\r\n$1,144\/month<\/td>\r\n<\/tr>\r\n
    70<\/td>\r\n60 months late<\/td>\r\n+36%<\/td>\r\n$1,360\/month<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    When CPP Early Retirement Makes Sense\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Taking CPP early may make sense if:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • You need income right away to bridge the gap to workplace pensions or savings.<\/li>\n \t
  • You plan to stop working at 60 and don\u2019t want to dip heavily into RRSPs or TFSAs.<\/li>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    CPP Calculator and Benefit Estimates\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tService Canada offers a CPP calculator <\/span><\/a>that estimates your monthly payments at different ages. Reviewing this is essential for planning whether starting CPP at 60, 65, or deferring until 70 makes the most sense.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Old Age Security (OAS) and Early Retirement\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tUnlike CPP, you cannot start OAS early.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Why OAS Starts at 65 (No Early Option)\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tOAS payments begin at 65<\/span><\/a>, provided you\u2019ve lived in Canada for at least 10 years after age 18. There\u2019s no early option \u2013 even if you retire before then.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Bridging the Gap from 60 to 65\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tIf you retire at 60 and take CPP, you\u2019ll have a 5-year gap until OAS begins. Many Canadians use RRSP withdrawals, TFSA savings, or rental income <\/span><\/a>to cover this period.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tIf you retire at 60 and take CPP, you\u2019ll have a 5-year gap until OAS begins. Many Canadians use RRSP withdrawals, TFSA savings, or rental income to cover this period.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Here\u2019s how to think about each option:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    RRSP withdrawals (ages 60-64):\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
    \n\t\t\t\t
    \n\t\t\t\t\t\t\t\t\tIf you have little or no employment income during these years, RRSP withdrawals can be relatively tax-efficient. A $35,000 RRSP withdrawal combined with $7,680 CPP (if taking at 60) keeps you under $43,000 total income \u2013 well within lower tax brackets in most provinces. Compare this to withdrawing the same amount at age 70 when you\u2019d also have CPP, OAS, and possibly workplace pension income.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    TFSA withdrawals (any age):\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
    \n\t\t\t\t
    \n\t\t\t\t\t\t\t\t\tThe gold standard for early retirement because they\u2019re completely tax-free and don\u2019t affect government benefits. If you\u2019ve been maxing out TFSA contributions since 2009, you could have $95,000+ in contribution room (not counting growth). This can provide several years of tax-free retirement income.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Combining both:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
    \n\t\t\t\t
    \n\t\t\t\t\t\t\t\t\tMany early retirees use a mix \u2013 TFSAs for essential expenses to keep taxable income low, then strategic RRSP withdrawals to fill out lower tax brackets.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    Related:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • Is Active or Passive Real Estate Investing Right For You?<\/span><\/a><\/li>\n \t
  • Unlock the Power of Canada\u2019s Registered Accounts\n<\/span><\/a><\/li>\n \t
  • What is Private Equity?<\/span><\/a><\/li>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    OAS Deferral Benefits: Up to 36% Increase\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
    \n\t\t\t\t
    \n\t\t\t\t\t\t\t\t\tIf you don\u2019t need OAS at 65, you can defer up to age 70<\/span><\/a>. Each month of deferral adds 0.6%, up to a maximum 36% increase at 70.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Provincial and Workplace Pension Early Retirement Ages\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Government pensions aren\u2019t the whole story. Workplace pensions can sometimes allow retirement even earlier.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    Public Service Pension Plans: Age 55\u201360 Options\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
    \n\t\t\t\t
    \n\t\t\t\t\t\t\t\t\tFederal and provincial public sector workers often have defined benefit plans allowing retirement between 55\u201360, sometimes with \u201cunreduced pensions\u201d if service requirements are met.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Private Employer Pension Rules\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tIn the private sector, rules vary. Some allow retirement at 55, others require you to wait until 60, or impose actuarial reductions for leaving early.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Union and Professional Pension Early Retirement\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tTeachers, nurses, and unionized professions often have special pension arrangements. For example, many teachers\u2019 pensions allow retirement in the late 50s with a reduced benefit.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Early Retirement Without Government Pensions\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tFor Canadians without a generous workplace pension \u2013 or for those aiming to retire even earlier than 55 \u2013 government programs alone won\u2019t cut it.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Self-Funded Retirement: Any Age Possible\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tIf you\u2019ve built up significant personal savings, you can technically retire at any age. The challenge is ensuring your money lasts.\n\n \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Common self-funding vehicles include:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • RRSPs:<\/span> Tax-deferred savings, accessible anytime but taxed as income when withdrawn.<\/li>\n \t
  • TFSAs:<\/span>\u00a0Tax-free withdrawals, extremely useful for early retirees.<\/li>\n \t
  • Non-registered investments:<\/span>\u00a0Stocks, ETFs, dividends, bonds, and alternative investments.<\/li>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Private Investment Strategies for Age 55 Retirement\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
    \n\t\t\t\t
    \n\t\t\t\t\t\t\t\t\tSome Canadians use an \u201cRRSP meltdown\u201d<\/span><\/a> strategy, drawing down RRSPs in their late 50s\/early 60s to bridge the gap until CPP and OAS begin. Others focus heavily on TFSAs for tax-free retirement income.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    The FI\/RE Movement in Canada: Financial Independence, Retire Early\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tThe FI\/RE movement (Financial Independence, Retire Early)<\/span><\/a> has become a global trend, and Canadians are increasingly embracing it as an alternative to the traditional 65+ retirement model. The idea is simple: save and invest intentionally in your working years so you can leave the workforce decades earlier \u2013 sometimes in your 40s or 50s.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Image Source: Investopedia \u2013 Financial Independence, Retire Early (FIRE)<\/span><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    Why FI\/RE Appeals to Canadians\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tWith rising housing costs, job stress, and uncertainty around government pensions, many Canadians want greater control over their time and financial future. FI\/RE may offer:\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • Flexibility:<\/span>\u00a0You\u2019re not tied to working until 65.<\/li>\n \t
  • Freedom:<\/span>\u00a0The option to travel, pursue passion projects, or even semi-retire.<\/li>\n \t
  • Security:<\/span>\u00a0A financial cushion that protects against unexpected events.<\/li>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Approaches to FI\/RE\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tThere\u2019s no one-size-fits-all FI\/RE path. The most common variations are:\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • Lean FI\/RE:<\/span>\u00a0Living frugally and retiring with a modest lifestyle.<\/li>\n \t
  • Fat FI\/RE:<\/span>\u00a0Retiring with a larger income cushion to maintain comfort.<\/li>\n \t
  • Barista FI\/RE:<\/span>\u00a0Leaving your primary career but taking part-time or passion-driven work to supplement income.<\/li>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Challenges of FI\/RE in Canada\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tRetiring decades earlier than average is harder in Canada because of:\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • High housing and living costs<\/span>\u00a0in major cities.<\/li>\n \t
  • Taxes on investment income,<\/span>\u00a0which can erode savings.<\/li>\n \t
  • Delayed government benefits<\/span>\u00a0(CPP at 60 earliest, OAS at 65), meaning you must self-fund for years.<\/li>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
    \n\t\t\t\t
    \n\t\t\t\t\t\t\t\t\tThat\u2019s why cash-flowing investments <\/span><\/a>are essential to making FI\/RE work here.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Real Estate Income for Early Retirement\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
    \n\t\t\t\t
    \n\t\t\t\t\t\t\t\t\tOne of the most powerful tools for early retirement in Canada is real estate investing. Unlike CPP or OAS, which require waiting until your 60s, real estate income can start generating cash flow at any age.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Options include:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • Owning rental properties:<\/span>\u00a0Monthly rental income can cover expenses and create long-term equity growth.<\/li>\n \t
  • Private Real Estate Investment Funds:<\/span>\u00a0Hands-off investments in large-scale residential and commercial real estate, offering targeted monthly distributions.<\/li>\n \t
  • Commercial real estate:<\/span>\u00a0Long-term leases with professional tenants can provide monthly income.<\/li>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Investment Strategies for Early Retirement\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    There\u2019s no single \u201cperfect\u201d investment strategy for early retirement in Canada. The most successful early retirees typically use a diversified mix of investment vehicles, each serving a different purpose in their retirement income plan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    Common investment options for building early retirement income include:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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  • Stocks and equity ETFs:<\/span>\u00a0Long-term growth potential and dividend income<\/li>\n \t
  • Bonds and fixed income:<\/span>\u00a0Historical stability and predictable interest payments<\/li>\n \t
  • Mutual funds:<\/span>\u00a0Professional management and instant diversification<\/li>\n \t
  • GICs (Guaranteed Investment Certificates):<\/span>\u00a0Capital protection typically with modest returns<\/li>\n \t
  • Real estate:<\/span>\u00a0Rental income and appreciation potential<\/li>\n \t
  • Private Real Estate Funds:<\/span>\u00a0Real estate exposure without property management responsibilities<\/li>\n \t
  • Dividend-focused portfolios:<\/span>\u00a0Owning stocks that target regular dividend payments<\/li>\n \t
  • Index funds:<\/span>\u00a0Low-cost, passive market exposure<\/li>\n \t
  • Alternative investments:<\/span>\u00a0Private equity, infrastructure funds, or lending platforms<\/li>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
    \n\t\t\t\t
    \n\t\t\t\t\t\t\t\t\tMost financial advisors recommend a balanced approach rather than being fully invested in one asset class. The right mix depends on your circumstances and is affected by things such as your age, risk tolerance, income needs, and timeline to retirement.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    \n\t\t\t\t\t\t\t\t\tRetirement Planning Made Easy With Private\nReal Estate Investments\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    Related:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • How to Invest In Real Estate Using Your RRSP & TFSA<\/span><\/a><\/li>\n \t
  • Unlock the Power of Canada\u2019s Registered Accounts\n<\/span><\/a><\/li>\n \t
  • The Potential Tax Benefits of Investing in Private REITs<\/span><\/a><\/li>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    \n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tContact us today<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    \n\t\t\t\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    Real Estate as Part of an Early Retirement Strategy\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Real estate has become increasingly popular among early retirees because it can often provide both monthly income and potential appreciation \u2013 two critical needs when you\u2019re living off investments for 30-40+ years.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

    \n\t\t\t\t
    \n\t\t\t\t\t\t\t\t\tOptions for real estate investing include: owning rental properties directly, investing through Real Estate Investment Trusts (REITs)<\/span><\/a>, or accessing private real estate funds.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Many early retirees use different types of investments including public securities, dividend stocks, alternative investments and even real estate income to bridge the gap between stopping work at 55 and starting government pensions at 60 or 65.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    Choosing Your Optimal Early Retirement Age in Canada\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    So, when is the best age to retire early in Canada? The answer depends on three main factors:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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  • Government pensions:<\/span>\u00a0The earliest you can start CPP is 60, and OAS is 65.<\/li>\n \t
  • Workplace pensions:<\/span>\u00a0Some allow retirement at 55.<\/li>\n \t
  • Personal wealth:<\/span>\u00a0With sufficient savings and investments (especially real estate), you can retire much earlier.<\/li>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    When deciding, ask yourself:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • Do I have enough savings or income streams to maintain my lifestyle?<\/li>\n \t
  • Am I prepared for the permanent reduction in CPP if I start at 60?<\/li>\n \t
  • Do I have a plan to cover the gap years before OAS?<\/li>\n \t
  • How much do I want to rely on passive income sources like real estate?<\/li>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tFor many Canadians, a blended strategy works best: retire from full-time work at 55 or 60, start CPP early if needed, and use real estate income and personal savings to bridge the gap until OAS begins at 65.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    Final Thoughts: Early Retirement in Canada Is Possible\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    The retirement age in Canada isn\u2019t set in stone \u2013 it\u2019s flexible depending on your financial planning. While government pensions set some limits, your personal savings, workplace pensions, and real estate investments may give you the freedom to step away from work sooner.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    Get Started\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Ready to start planning your early retirement? Explore how Equiton\u2019s Apartment Fund (Equiton Residential Income Fund Trust) and other real estate\u2013backed investment products can provide the confidence you need to retire on your terms.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    Learn more about real estate investing with Equiton today.<\/span> Contact us today.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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    Let\u2019s Talk Retirement\n\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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