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When RPP benefits are received: a. They can be taxable or not taxed depending on the province in which you live. b. A federal non-refundable pension tax credit of $5,000 is available to pensioners. c. They are fully taxable. d. They are fully tax deductible. Which of the following are available with the Post-Retirement Benefit? a. Retroactive contributions to buy back service prior to 2012 b. Credit splitting c. Disability and survivor benefits d. None of these benefits are available with the PRB. Which of the following are the three aspects that most seriously affect retirement planning? a. Date of retirement, planned retirement lifestyle, and level of savings. b. Period of accumulation, amount of annual savings required, and rate of return. c. Loss of job, decision to marry, and premature death. d. Longevity, income taxes, and inflation rates. Which of the following individuals can use a percentage of earnings to estimate retirement spending? a. Wendy, age 30 b. All of the individuals can use a percentage of current earnings since it is not possible to know exactly how much money you will be needing each year in retirement. c. Sultan, age 60 d. Edwin, age 55