The GAP YEAR Retirement Strategy Canadians Are Missing (CPP & OAS Explained)

Many Canadians take CPP as early as possible — but that decision could cost you thousands in lifetime income. In this video, Cherry Chan breaks down the Gap Year Retirement Strategy, where retirees delay CPP and OAS, draw down RRSPs at lower tax rates, and lock in larger guaranteed income for life. Learn how CPP and OAS increases work, why delaying can reduce future tax problems, and who this strategy works best for in Canada. 📌 Perfect for Canadians planning retirement, early retirement, or tax‑efficient income strategies. #CPP #OAS #CanadianRetirement #RetirementPlanningCanada #CPPStrategy #OASStrategy #EarlyRetirementCanada #TaxEfficientRetirement #RRSPWithdrawal #RetirementTaxPlanning #CanadaPensionPlan #OldAgeSecurity

Added 12 May 2026