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The Canada Pension Plan comes off almost every paycheque, but most business owners never stop to ask how it works or what it means for them. In this episode, Wendy Brookhouse and Kelsey MacAulay use the average CPP payment of $925.35 a month as a way in. They explain how contributions work, why the choice between paying yourself salary or dividends has gotten closer than it used to be, when it might make sense to take CPP early or wait, and how your pay structure shows up when you eventually sell your business.

In This Episode

Understand what CPP is and how the 5.95% contribution works, including why the self-employed pay both halves at 11.9%
See why the tax gap between paying yourself salary and paying yourself dividends has narrowed, and what that means for your pension and for getting financing
Weigh the tradeoffs of taking CPP early, which reduces your benefit each month before 65, against waiting, which increases it each month up to 70, and learn where the crossover point lands
Recognize how your pay structure looks during a sale, when buyers normalize salary and add dividends back into profit
Find out how to check what you are actually eligible to collect through Service Canada