StCatharines Retirement and Pensions
The Canada Pension Plan (CPP), Old Age Security (OAS) and other Canadian government retirement, survivor and disability pensions.
Stay current on one of Canada's best tax breaks - registered retirement savings plans or RRSPs. Deadline's to make RRSP contributions eligible for deductions on your income tax is midnight March 2, 2009.
Ways to find out the amount of RRSP contributions you are allowed to deduct for your income taxes.
1) Check Last Year's Income Tax Notice of Assessment
Your RRSP deduction limit can be found in the RRSP Deduction Limit Statement on your latest Notice of Assessment or Notice of Reassessment.
2) Call the Tax Information Phone Service (TIPS)
Call Canada Customs and Revenue Agency TIPS at 1-800-267-6999. The service is available from the middle of September to April 30.
You will be asked for your Social Insurance Number, your month and year of birth, and the total income you reported on line 150 of your income tax return for the previous year.
3) Use the Quick Access Service
You can use the Canada Revenue Agency Quick Access service online to find out the limit of your RRSP contributions allowed for your income taxes.
4) Use the My Account Service
You can also use the Canada Revenue Agency My Account service online to find out the limit of your RRSP contributions allowed for your income taxes.
Canada's Old Age Security pension is a monthly payment available to most Canadians 65 or older. You must apply to receive benefits.
Here's How: At least six months before you turn 65, pick up an application kit at a Service Canada office or download the kit in PDF. You can also call 1-800-277-9914 toll-free for an application kit.
StCatharines Canada's retirement income system has three levels:
Old Age Security ( OAS)
the Canada Pension Plan (CPP)
and private pensions and savings. CPP was established in 1966, providing basic benefits when a contributor to the Plan becomes disabled or retires. At the contributor's death, the Plan provides benefits to his or her survivors.
CPP retirement pension is a monthly benefit paid to people who have contributed to the Canada Pension Plan. The pension is designed to replace about 25 percent of the earnings on which a person's contributions were based. You qualify for a CPP retirement pension if you have made at least one valid contribution (payment) to the Plan and if:you are at least 65
or you are between 60 and 64, and meet the earning requirements set out in the legislation. Your retirement pension does not start automatically. You must apply for it (unless you already receive a CPP disability benefit and turn 65, at which point your disability benefit automatically changes to a retirement pension).
If you are between 60 and 64, you may qualify for retirement pension by doing the following...Stop working - This means that you are not working by the end of the month before the CPP retirement pension begins and during the month in which it begins. For example, if you want your pension to begin in April, you have to stop working by the end of March and you cannot work during the month of April.
or
Your income is less than a specified amount - Meaning you earn less than the current monthly maximum CPP retirement pension payment in the month before your pension begins and in the month it begins. For example, if you want your pension to begin in April 2010, you need to earn less than X amount of dollars in both March and April. Once you start receiving your CPP pension, you can work as much as you want without affecting your pension amount, but you cannot contribute to the CPP on any future earnings from employment.
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StCatharines Retirement Planning Companies
Anchor Pointe - 905-938-7070
540 Ontario Street St Catharines , St Catharines , ON
Investing Guide Category : Retirement Communities & Homes
Retirement, RRSP, OAS, CPP
Dundee Private Investors Inc - 905-684-6597
8 Ontario Street , St Catharines , ON L2R7M3
FINANCIAL ADVISORS Investment Planning - Mortgages* Mutual Funds - GIC’s -
RRSP’s Bill Robinson Jr. CFP Robin Robinson BA, CFP*
Investing Guide Category : Retirement Planning Consultants
Retirement, RRSP, OAS, CPP
Dundee Securities Corporation - 905-937-0962
St. Catharines , ON
JAMES R. MORRISON- Sr. Investment Advisor Director Dundee Private Group Specializing in
Retirement and Tax Planning Dundee Bank of Canada Services Available
Investing Guide Category : Retirement Planning Consultants, Financial Planning Consultants
Retirement, RRSP, OAS, CPP
Heidelberg Village - 905-938-2741
567 Lake Street , St Catharines , ON L2N7T5
Investing Guide Category : Retirement Communities & Homes
Retirement, RRSP, OAS, CPP
Jubilee Place - 905-937-2610
278 Vine Street , St Catharines , ON L2M7Z4
Investing Guide Category : Retirement Communities & Homes
Retirement, RRSP, OAS, CPP
La Residence Inc - 905-646-0181
321 Carlton , St Catharines , ON L2N7P6
Investing Guide Category : Retirement Communities & Homes
Retirement, RRSP, OAS, CPP
Loyalist Retirement Residence The - 905-641-4422
190 King Street , St Catharines , ON L2R7N2
Investing Guide Category : Retirement Communities & Homes, Homes-Elderly People
Retirement, RRSP, OAS, CPP
Martindale Place - 905-988-9414
1128 Vansickle Road North , St Catharines , ON L2S3W1
Investing Guide Category : Retirement Communities & Homes
Retirement, RRSP, OAS, CPP
McIntosh Financial Services and Associates Inc - 905-684-2331
106-11 Bond Street , St Catharines , ON L2R4Z4
“Assisting You In Making Better Financial Decisions” ¹ Life Insurance ¹
Retirement & Estate Planning - www.mcintoshfinancial.ca
Investing Guide Category : Financial Planning Consultants
www.mcintoshfinancial.ca
Retirement, RRSP, OAS, CPP
Meadowgreen Manor - 905-937-2161
21 St. Helena Street , St Catharines , ON L2N7P3
Investing Guide Category : Retirement Communities & Homes
Retirement, RRSP, OAS, CPP
Midtown Denture Clinic - 905-688-3543
117 1/2 Welland Avenue , St Catharines , ON L2R2N4
Keyword : CONSULTATIONS We Make Housecalls including retirement homes Rick Bianchi DD P..
Investing Guide Category : Denturists
Retirement, RRSP, OAS, CPP
Mount Carmel Home - 905-685-9155
78 Yates Street , St Catharines , ON L2R5R9
Residence for Seniors Private Rooms - Chapel Beauty Salon - Meals House
Keeping Homelike Atmosphere
Investing Guide Category : Retirement Communities & Homes
Retirement, RRSP, OAS, CPP
Niagara Arms Retirement Hotel & Residence - 905-687-3388
181 Niagara Street , St Catharines , ON L2R4M1
Keyword : retirement, Niagara Arms Retirement Hotel and Residence "I Cant
Investing Guide Category : Retirement Communities & Homes, Homes-Elderly People
www.NiagaraArms.com
Retirement, RRSP, OAS, CPP
Niagara Ina Grafton Gage Village - 905-935-6822
413 Linwell Road , St Catharines , ON L2M2P3
Investing Guide Category : Retirement Communities & Homes
www.niggv.on.ca
Retirement, RRSP, OAS, CPP
Niagara Retirement Manor - 905-935-1921
398 Vine Street , St Catharines , ON L2M3S2
Investing Guide Category : Retirement Communities & Homes
nrm@on.aibn.com
Retirement, RRSP, OAS, CPP
Port Henley Retirement Residence - 905-935-1800
582 Ontario Street , St Catharines , ON L2N4N7
Beautiful, Seniors Residence Fabulous Club Services and Amenities Details at
www.PortHenley.com
Investing Guide Category : Retirement Communities & Homes
Retirement, RRSP, OAS, CPP
Retirewise - 905-935-3900
184 King Street , St Catharines , ON L2R3J7
Investing Guide Category : Retirement Planning Consultants
Retirement, RRSP, OAS, CPP
Scott Manor - 905-682-7334
54 Scott Street West , St Catharines , ON L2R1C9
Investing Guide Category : Retirement Communities & Homes
Retirement, RRSP, OAS, CPP
Sheehan & Rosie Ltd - 905-688-3713
70 St. Paul Street West , St Catharines , ON L2S2C5
Keyword : retirement
Investing Guide Category : Insurance Brokers
www.sheehanandrosie.com
Retirement, RRSP, OAS, CPP
St Catharines Place - 905-646-3028
113 Scott Street , St Catharines , ON L2N7L2
Investing Guide Category : Retirement Communities & Homes
Retirement, RRSP, OAS, CPP
St Catharines Place Retirement Residence - 905-646-1311
113 Scott Street , St Catharines , ON L2N7L2
Keyword : 519 664 6637 the palisades retirement residence 480 metcalft street, Ottawa,
Investing Guide Category : Retirement Communities & Homes
Retirement, RRSP, OAS, CPP
Tabor Manor - 905-934-2548
1 Tabor Drive , St Catharines , ON L2N1V9
Investing Guide Category : Retirement Communities & Homes
Retirement, RRSP, OAS, CPP
The Heatherwood Retirement Residence - 905-646-0000
113 Scott Street , St Catharines , ON L2N7L2
Investing Guide Category : Retirement Communities & Homes
Retirement, RRSP, OAS, CPP
Tufford Manor - 905-682-0411
312 Queenston Street , St Catharines , ON L2P2X4
Investing Guide Category : Retirement Communities & Homes
Retirement, RRSP, OAS, CPP
Youngs Insurance Brokers - 905-688-4080
200 Welland Avenue , St Catharines , ON L2R2P3
Keyword : retirement
Investing Guide Category : Insurance Brokers, Employee Benefits Plans-Consultants
www.themarketplaceinsurance.com
Retirement, RRSP, OAS, CPP
Your Investment Shoppers - 905-937-3920
215 Scott Street , St Catharines , ON L2N1H5
Investing Guide Category : Retirement Planning Consultants
Retirement, RRSP, OAS, CPP
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