-Yves has worked for a company with a DBPP for 37 years. The plan states that his retirement pension cannot begin before age 65. It is a very generous pension plan that will provide him with a large and secure retirement income. While Yves has worked, he has used his annual bonus every year to buy blue-chip shares in his RRSP. At age 60, Yves decides to retire and would like a dependable income to pursue his dreams. He has accumulated significant savings in his RRSP. What can his licensed life agent suggest to replace Yves's income between ages 60 and 65? 4 O Sell the shares in the RRSP needed to buy an immediate five-year term annuity. O Commute the value of his pension, transfer the funds to a LIF and buy an immediate life annuity. Start CPP/QPP at age 60 at the reduced rate and begin withdrawals from his DBPP. O Use the shares as collateral for a loan that will be large enough to his income ds for years