In today's fast-paced world, feeling financially stressed is a reality for many Canadians. According to the latest FP Canada™ 2025 Financial Stress Index, money remains the top source of stress for 42% of Canadians. This stress is worsened by rising prices for everyday items like groceries and fuel.
The survey highlights that Canadians who work with financial professionals are more likely to feel hopeful about their financial futures, with 60% expressing optimism compared to 48% of those who do not seek professional advice. This optimism stems from the support and tailored advice that financial professionals offer, helping individuals make informed decisions and plan effectively for their future.
The FP Canada™ survey also reveals that those who work with financial professionals are less likely to lose sleep over financial worries and are better equipped to handle financial stress.
Our Retirement and Pension Advisors are dedicated to providing the unbiased expertise and support you need to achieve financial peace of mind.
In a recent CSS Pension Plan survey, 84% of members who used CSS’ advisory services said they were either very satisfied or somewhat satisfied with the services they received.
To empower our members, we offer the online myCSSPEN Compass® Retirement Income Planner. myCSSPEN Compass® is an innovative retirement income planning tool designed to help you take control of your financial future. This tool allows you to create a retirement plan tailored to your unique needs and goals. By using myCSSPEN Compass®, you can gain a clearer understanding of your retirement situation and make more informed decisions to secure a retirement that fits your vision.
At CSS Pension Plan, we recognize the importance of financial well-being and are dedicated to supporting our members in navigating these challenges.
Our Retirement and Pension Advisors are not only experts in pension and retirement income planning, but also seasoned financial planning professionals who can assist with a wide range of financial questions that impact your journey to retirement. Whether it’s questions about budgeting, money management, retirement savings strategies or investment education, our advisors are here to provide personalized guidance and education.
In conclusion, financial stress is a reality for many, but with the right support and tools, you can navigate these challenges effectively. We encourage you to take advantage of the resources available through CSS Pension Plan, including our expert advisors and the myCSSPEN Compass® tool. Together, we can help you build a secure and stress-free financial future.
Contact our Retirement and Pension Advisors today to start your journey towards financial peace of mind. Whether you have questions about budgeting, money management, RRSPs/investment education or other financial matters, our advisors are here to help. Reach out to us to schedule a consultation.
Common financial myths
| Myth | Reality |
| You need a lot of money to start investing. | You can start investing with small amounts. The key is to start early and be consistent. |
| Financial planning is only for the wealthy. | Financial planning is beneficial for everyone, regardless of income level. It helps you manage your money effectively and plan for the future. |
| Retirement planning can wait until you're older. | The earlier you start planning for retirement, the better prepared you'll be. Starting early allows you to take advantage of compound interest and build a more secure future. |
| Debt is always bad. | Not all debt is bad. The strategic use of debt, such as a mortgage or student loans, can be beneficial when appropriately managed. |
| You can rely solely on government pensions for retirement. | Government pensions may not be sufficient to cover all your retirement needs. It's essential to have additional savings and investments to ensure a comfortable retirement. |
