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welcome to our two cents today Im going to talk about registered pension plans you may be contributing off of your check each week at work and your employer may be matching you two percent three percent maybe even up to six percent number of companies that group plans are involved with our Sun Life great Westlife manually just to name a few so what Im going to show you is if youre currently contributing to a work plan then your money goes into whats called a registered pension plan now when you leave your employer so whether you quit and work somewhere else or you decide that you want to retire your money then goes into whats called a lira a Laughton retirement account now the key is is its either age 55 or age 65 that you can start accessing the funds so this here is determined by how your employer has structured the plan so lets assume that your plan is age 65 at age 65 then you determine okay I want to start taking out some income your money then goes into a live a life incom