Blog
What's changing in Canadian and US personal finance — and what it actually means for your plan. For evergreen deep-dives, see theguides.
How Your CPP, OAS and Social Security Raises Are Calculated
OAS rises 1.4% on October 1. The 2027 Social Security COLA lands October 14. Three government pensions, three completely different indexing formulas — here's the arithmetic behind each, from the primary sources.
The 2026 Return Assumptions Professional Planners Use
FP Canada's 2026 Projection Assumption Guidelines trimmed equity return assumptions across the board. Here are the exact numbers planners now use — and how to pressure-test your own plan against them.