York Region Plan to Support Seniors hosted an information series with John in late 2024. In these recorded sessions, John looks at what people need to know about retiring on a low-income, how to make the most of government benefits and other considerations. Session 1: What “low-income” means...

The findings in this report highlight the important role of Old Age Security in reducing poverty, with payments under this program making up a large share of annual income for older adults in Toronto’s lowest income deciles. However, too many eligible older adults in Toronto are not receiving OAS...

Working poverty is pervasive, racialized, and until the pandemic, was increasing in Toronto and across Canada. Until the pandemic, this increase was counterintuitive, during 2006 to 2016, as most of this ten-year period had been characterized by one of the most prolonged economic recoveries in...

In this blog, John Stapleton breaks explains income security and personal tax systems in Canada in the simplest way...

This booklet contains information on retirement planning on a low income. Topics include four things to think about for low income retirement planning, a background paper on maximizing the Guaranteed Income Supplement (GIS), and determining Old Age Security (OAS) and GIS eligibility for people who...

This presentation covers information about retiring on a low income in Ontario. It covers: 1. What seniors get in Ontario 2. What does ‘low income’ mean? 3. What does ‘taxable income’ mean? 4. How to reduce taxable income or get money back ─ understanding the system 5. Protecting...

This is a guide on retirement planning for people living on a low income in Ontario. It reviews the Guaranteed Income Supplement (GIS), CPP and CPP early retirement, smart ways to save before turning 65, and smart ways to save between ages 65 and 71. It gives background on eligibility criteria,...

Low-income people need savings and retirement strategies that won’t leave them worse off in their senior years. The purpose of this paper is to educate people who help low-income adults plan for their financial future. Our aim is to put GIS planning at the centre of the pre-retirement discussion...

These are notes from John Stapleton on learnings from presenting on Retiring on a Low Income in the Toronto Library System in...