Miriam Vale

Miriam Vale writes Northstar Retirement Notes about retirement income and practical Canadian changes for Canadian readers.

Retirement Income Timing Is a Coordination Problem, Not One Date

Northstar Retirement Notes — CPP and OAS do not have to begin on the same date. This issue explains how benefit timing, registered withdrawals, taxable income, and household cash flow fit together, while keeping reported figures and official-source limits visible.

Should You Start CPP Before 65, at 65, or Later?

Northstar Retirement Notes — CPP timing changes the monthly pension permanently: starting early lowers the amount, while delaying raises it only through age 70. Your My Service Canada Account estimate, contribution record, and bridge-income plan show which trade-off needs checking.