Planning for your retirement

The financial decisions we make either move us closer to our goals or futher away. Whatever age you decide to retire, you'll have the peace of mind knowing that your pension is payable for the rest of your life. It's important to understand that the everyday financial decisions you make (from buying coffee or packing a lunch to major purchases) have an impact on your economic future. Successful financial management today can help you with a successful retirement. 

Planning for retirement based on your career stage

Select a career stage to find out what you should be doing now to prepare for your retirement. 

Early Career

Typically, members in this stage are:

  • Under 35 years old
  • Recently joined the Ontario Public Service (OPS) or another broader public sector employer for the first time

Learn about you need to consider when planning for retirement in Early Career.

Mid Career

Typically, members in this stage are:

  • Between 35 and 50 years old
  • Have worked for several employers, or have been with the OPS for a good portion of their working life

Learn about what you need to consider when planning for retirement in Mid Career.

Late Career

Typically, members in this stage are:

  • Over 50 years old
  • Are within 10 years of retirement

Learn about what you need to consider when planning for retirement in Late Career.

Retirement forms

A list of OPB forms that may be required during the retirement process.

Read More Retirement forms

Member Services

Our licensed Client Service Advisors don't just offer pension advice, they also help you grasp how your pension fits into your overall financial picture.

Read More Member Services

Financial and retirement planning workshops

To assist you with your pension goals, whether it's getting started or retirement planning, we host education sessions and advisory workshops.

Read More Financial and retirement planning workshops