Canadian Retirement Planner's Software™

The amount of capital required to fund a comfortable retirement is enormous, and the tax considerations in accumulating and spending it are paramount. Proper planning can make the difference between financial independence and poverty. You can guide your clients by preparing retirement income projections and retirement savings plans, and developing strategies to meet their retirement objectives.

For clients who are years away from retirement, you can determine whether the savings that they are accumulating will be adequate to provide the funds that they will need each year during retirement. If the current savings are not adequate, you can identify the amounts of savings that are required; whether in the form of RRSP contributions, pension benefits or tax-paid capital.

For clients who are approaching retirement, you can assist them in deciding whether to take pension benefits as a pension income or as a lump-sum transfer to a locked-in retirement account; and whether to transfer retirement allowances to an RRSP or include them in income.

For clients who are approaching retirement or already retired, you can determine the standard of living that they can maintain during retirement with the savings that they have accumulated. You can also identify when and how much to withdraw from RRSPs, locked-in retirement accounts and tax-paid capital during the retirement.