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BMO finds Canadian RRSP contributions declined in 2023When the time for retirement arrives, payments from the Canada Pension Plan or the Quebec Pension Plan (�CPP�/�QPP�), Registered Retirement Income Fund. Plan the best retirement for your life. Let us help you create a personalized financial plan & see how the right strategy can maximize your retirement. 15 steps for creating a personalized retirement plan � 1. Assess your current situation � 2. Set your retirement goals � 3. Calculate your.