Ensure you can afford the lifestyle you want

Yes, you can choose either individual analysis for your personal retirement plan or joint analysis with your spouse. The joint analysis optimizes your retirement strategy together, considering both partners' finances, goals, and shared future for a comprehensive household approach.

Absolutely. You can include your location for tax purposes, current and future income, all registered and non-registered investment accounts, household expenses and debt obligations, personal goals like vacation or real estate plans, and all your assets including real estate, life insurance, business interests, and investment funds.

Yes, you can select from three estate planning strategies: Maximize Estate Value to leave the largest possible tax-efficient legacy, Balance Spending & Legacy to optimize between enjoying retirement and securing a financial inheritance, or Maximize Spending to focus on maximizing your retirement lifestyle during your lifetime.

Yes, our goal-based planning works backward from your desired estate outcome to identify the most tax-efficient path to achieve it. You can also choose traditional planning where you set your own deposit and withdrawal preferences and government benefit timing. Goal-based planning typically provides better tax optimization.

You can get your plan in minutes. Goal-based financial plans take 4-8 minutes as our engine runs hundreds of thousands of simulations to find your optimal strategy. Traditional planning analysis takes just 20-40 seconds for a baseline approach. Custom plan modifications process in 15-20 seconds.

Yes, our optimization identifies the most tax-efficient strategy for your estate goals, optimizes deposits into TFSA, FHSA, RRSP, and non-registered accounts, creates a tailored tax-efficient withdrawal strategy, and provides a personalized action plan with clear steps - removing all guesswork from your retirement planning.

Yes, with Pro and Premium plans you get access to our custom plan builder, giving you complete control over your financial planning. You can build plans from scratch, modify existing goal-based or traditional plans, manually override deposits and withdrawals, adjust timing and amounts, and test different scenarios with immediate impact analysis.

Yes, your personalized dashboard serves as your command center for implementing and tracking your retirement strategy. It provides clear action steps you can take immediately, helps you track your progress over time, offers ongoing optimization suggestions as your situation changes, and turns complex retirement planning into a clear, manageable roadmap.

Yes, you can establish a baseline using traditional planning methods and then compare it with our optimized strategies to understand potential tax savings. This helps you see exactly how optimization could enhance your retirement outcomes through better tax efficiency.

Yes, your plan updates whenever you experience significant life changes such as early retirement, home downsizing, major purchases, or changes in family circumstances. Our dashboard provides ongoing optimization suggestions and can detect life events that might require plan adjustments to keep you on track with your goals.