CRA Treats Age 65 Differently From Every Other Retirement Age — Most Canadians Find Out Too Late!
CRA Treats Age 65 Differently From Every Other Retirement Age — Most Canadians Find Out Too Late! The CRA treats age 65 differently from every other retirement age in Canada. OAS begins, GIS eligibility opens, pension income splitting activates, the age amount credit kicks in, CPP timing becomes critical, and your tax code changes entirely. Most Canadians discover these rules too late. I spent over 30 years inside the Canada Revenue Agency's compliance division. I've sat across from hundreds of retirees who missed critical decisions at 65 simply because nobody explained what changes. This video walks through everything the CRA expects you to know the moment you turn 65. ⚠️ Not a licensed financial advisor. Educational content only. Consult a regulated financial planner for your specific situation. Winston is a veteran tax specialist with a 34-year career history, including extensive experience as a CRA agent. He has spent decades on the front lines of Canadian tax compliance—navigating audits, estate transfers, and retirement planning across Toronto and Ottawa. After retiring in 2022, Winston shifted his focus to educating families on how to manage their life savings without falling into common regulatory traps. Education: Bachelor of Commerce, Queen's University. Background: Specialist in RRSP/RRIF strategies, TFSA matters, and GST/HST compliance. Disclaimer: Winston is not a CPA, CFP, or registered advisor. This content is for educational purposes only. IMPORTANT LEGAL NOTICE: This channel is NOT affiliated with, endorsed by, or an official representative of the Canada Revenue Agency (CRA), Service Canada, or the Government of Canada. Winston Thorne is a retired professional providing independent educational content.
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