How can I maximize dividend income so as to maximize CPP and OAS in retirement?

A lot of people fall in love with dividends, picturing a tidy stream of cash that lets them lean on government benefits for the rest. This piece gently questions that instinct. The worry being worked through is whether building a portfolio around dividend payers is really the smart way to set up retirement income, or whether it just locks you into one style of investing for the wrong reasons. The alternative on the table is to focus on total growth and simply sell pieces of your holdings when you need spending money, which can be more flexible and, at times, more tax-friendly. It is a useful read for anyone deciding how to draw income from a non-registered account, and a reminder that the source of the cash matters less than the after-tax result and how the whole plan fits together.