https://cinder.fi/blog/ Timely takes on Canadian and US personal finance — contribution limits, benefit changes, rate decisions, and what they mean for your retirement plan. en https://cinder.fi/blog/how-cpp-oas-social-security-indexing-works/ https://cinder.fi/blog/how-cpp-oas-social-security-indexing-works/ Sun, 06 Sep 2026 12:00:00 GMT 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. https://cinder.fi/blog/fp-canada-2026-return-assumptions/ https://cinder.fi/blog/fp-canada-2026-return-assumptions/ Fri, 14 Aug 2026 12:00:00 GMT 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.