Edward Jones - Financial Advisor: Catherine Metzger-Silver

06/03/2026

Old Age Security (OAS) doesn't exist in isolation. It interacts with all your other retirement income sources, and understanding these interactions helps you make smarter decisions about your overall retirement strategy.

Here's what to know: OAS benefits may be reduced if your income exceeds certain thresholds. This is called the OAS recovery tax or clawback. For every dollar you earn above the threshold, you lose 15 cents of your OAS benefit.

This means the way you manage your pension income, RRSP/RRIF withdrawals, investment income, and even part-time work can all affect how much OAS you actually keep. Some retirees are surprised to discover that a larger RRIF withdrawal or investment gain pushes them into clawback territory.

Planning your withdrawals, pensions, and savings together helps optimize your retirement income mix. When you coordinate all your income sources strategically, you can often keep more of what you've earned.

If you want to understand how your OAS will work alongside your other retirement income, let's have a conversation. I can help you see the full picture and make decisions that work together.

You asked – we answered! Here are the top 10 questions about Old Age Security (OAS)

06/01/2026

The mountain of diapers at our office is growing triumphantly, and with just four days left, we're halfway to our goal of 5000 diapers! Let's surge forward together! Every donation counts, and I'll match every one that comes to our office this week. You can drop off your generous donations at 22 Bridge St. or Absolutely Fabulous or Gates Insurance in New Minas - every single one will make a difference!

06/01/2026

One of the most common questions about Old Age Security (OAS) is when to start taking it. The standard age is 65, but you can delay until age 70. Each choice affects how much you receive.

Starting at 65 means you begin receiving income earlier. But if you delay, your monthly payments increase by 0.6% for each month you wait, up to a maximum 36% increase at age 70.

So which option is right for you? It depends on several factors unique to your situation. Your current tax rate matters. If you're still working or have other significant income, delaying might make sense. Your total income matters too, because OAS is subject to a clawback if your income exceeds certain thresholds.

If you're approaching 65 and wondering when to start your OAS, reach out. I can help you evaluate your options based on your personal circumstances.

You asked – we answered! Here are the top 10 questions about Old Age Security (OAS)

06/01/2026

Happy Pride Month! 🌈

This June, we celebrate love, authenticity, and the courage it takes to live as your true self.

Pride is about visibility, acceptance, and progress. It's about creating spaces where everyone feels safe to plan for the life they envision, whether that's marriage, family planning, retirement, or legacy building.

05/30/2026

One of the most rewarding aspects of my role is sharing in people's triumphs as they reach new heights and I'm soaring with excitement towards my million dollar milestone cake delivery!

05/30/2026

Markets closed last week hopeful that a U.S.–Iran peace deal will finally help unwind the shock to global energy markets seen this year, with equities hitting new record highs and bonds rebounding.

How did the markets perform this week? Get the highlights and the latest economic news.

05/29/2026

Say hello to Bullion, our little workplace buddy, inspired by gold and the BULL markets we love! He's the diaper tower's guardian and awaiting more donations at my office at 22 Bridge Street.

05/29/2026

How wonderful for local author and my long time friend… wonderful for us readers too!

I’m excited to finally share that a new novel is on its way.

Ruff Tides — coming September 2026.

Inspired by the true story surrounding the murder of John Ruff in 1842, on Moose Island, one of the Fundy Five Islands.

This novel has taken me on a journey through mystery, history, loss, and the stories that still echo across the water long after time has passed.

Some stories sleep beneath the surface for years… until the tides bring them back.

I cannot wait to share more with you as this journey unfolds.

05/28/2026

Running a small business?

Understanding your financial statements like income statements, balance sheets, and cash flow can help you make smarter decisions and plan for growth.

If you’re looking to build your knowledge, our new Financial Fitness module, Small Business Financial Statements, is a great place to start.

The Financial Fitness courses are designed to boost financial literacy and give Canadians the tools to build financial knowledge. www.edwardjones.ca/ca-en

05/28/2026

Financial planning creates a framework that helps you understand how different areas of your financial life connect and influence one another. It considers areas like cash flow, taxes, retirement timing, protection strategies, and estate considerations as one connected picture.

This integrated approach helps bring clarity, consistency, and direction to financial decisions over time, making it easier to stay focused on what matters most.

Reach out to explore how comprehensive financial planning can support what matters most to you.