He expects some people with good pension plans will start retiring earlier so they can split their incomes, and work part time until 65. (moneysense.ca)
Either you simply didn't make a lot of income this year or you're in a really good pension plan, possibly offered through your employer. (ratesupermarket.ca)
This is when you need to shift focus and probably settle for a few good pension plans that will fund you and the lifestyle you plan to retire into. (policybazaar.com)