Are you ready to take control of your retirement planning? With our DIY Retirement Projections, you get access to user-friendly retirement planning software where you get to create your own plan!
That’s right – we encourage you to be your own retirement income planner!
And our fees are a fraction of the cost that some fee-only-planners charge since we do not offer advice, we do not have staff to maintain, we do not seek out assets under management but instead – we just want to provide a quality platform to support your retirement readiness.
This is a different solution than our Done-For-You services by design! You can compare both solutions here.
Our Do-it-Yourself (DIY) Solution
As passionate DIY investors, we developed Cashflows and Portfolios as a value-add free resource for any Canadian to access anywhere anytime. That said, we know some DIY investors absolutely want to do more – including all the retirement planning and projections work themselves.
Using one of our low-cost solutions, now they can!
Example: Final Plan – Projections navigation menu.
What is it? You do your own plan. You control all the inputs, the data and the outcomes. We provide support.
Get unlimited access to our DIY Projections Solution via an online software platform where you can enter your own goals, financial numbers, and find out for yourself answers to pressing questions like: Do I have enough to retire? When could I retire? Will I run out of money in retirement – how fast will my portfolio go down in retirement? Create unlimited hypothetical scenarios (i.e., what if I sell my house this year or in 5 years) and update your plan as changes occur.
Who is this for? Tech-savvy folks who enjoy using software and are very comfortable with using software on their own. There is built-in Help support in the solution to help you out.
- Empowerment: You’re in the driver’s seat. Our DIY platform puts you in control of your retirement projections and plans as your own retirement planner in a detailed way. You’ll want to be comfortable with using software on your own.
- Accurate Insights: Make informed decisions based on accurate and up-to-date information tailored to your own unique financial situation.
- User-Friendly Interface: No financial jargon. No complex spreadsheets. The interface makes planning easy including a built-in Help menu.
- Flexibility: Adjust variables, explore different scenarios, and see how your choices impact your retirement outcomes.
- Cost Savings: Skip expensive financial advisors. Get your own expert-level insights without the hefty price tag.
- Maximize Tax and Benefit Opportunities:
- Identify new tax-saving and government benefit opportunities to optimize your financial strategy.
- Tailored Approach to Your Goals:
- Customize your financial approach to align with your unique lifestyle and goals.
- 24/7 Accessibility:
- Access your personalized plan anytime, day or night, providing the flexibility you need.
- Visualize Your Finances:
- Visually map your income and spending for a clear understanding of your financial landscape.
- Uncover Cash Flow Opportunities:
- Identify new cash flow opportunities and gain insights into family expenses.
- Education Funding Planning:
- Plan for education funding effortlessly using RESPs and grants.
- Dynamic Spending Impact:
- See the immediate and long-term impact of spending changes on your financial plan.
- Continuous Learning:
- Stay informed and implement new best practices to enhance your financial acumen.
- Debt Repayment Acceleration:
- Accelerate debt payoff with tailored strategies for faster financial freedom.
- Holistic Goal Planning:
- Strategically plan for short, medium, and long-term goals for a well-rounded financial approach.
- Investment Blueprint:
- Create a robust investment plan tailored to achieve your long-term financial goals.
- Retirement Decumulation Planning:
- Expertly plan for retirement decumulation, ensuring a seamless transition into your golden years.
- RRSP to RRIF Impact Analysis:
- Visualize the impact of RRSP to RRIF conversion timing on your overall retirement plan.
- Automatic Benefit Estimations:
- Receive automatic estimates for government benefits (CCB, GIS) and retirement benefits (CPP, OAS).
- Tax and Contribution Calculations:
- Enjoy automatic calculations for income tax, CPP, and EI contributions for hassle-free financial planning.
- Couples’ Financial Harmony:
- Benefit from automatic income splitting for couples, optimizing financial outcomes for both partners.
- Detailed Year-by-Year Roadmap:
- Receive a comprehensive year-by-year roadmap, providing clear instructions on financial actions.
- Long-Term Projections:
- Access long-term projections for net worth, income, expenses, and taxes, ensuring a secure financial future.
- Success Rate and Risk Assessment:
- Understand your financial plan’s success rate and estimate the risk of running out of money in retirement.
- Cutting-Edge AI Strategy (Beta):
- Access the new AI Strategy feature to automatically explore decumulation options, ranking them by net worth or success rate for optimal retirement planning.
- Optional Ongoing Access:
- Enjoy on-going access to the platform with an optional low monthly fee, ensuring continuous optimization of your financial plan.
We provide 90-day initial access to the platform then a *low-fee monthly subscription for any ongoing access after that!
Key Added Features:
- Unlimited Support with our Online Discussion Forum: Ask unlimited financial questions and get personalized answers from us (the founders, Mark and Joe) and other DIY community members. In addition to the membership forum, this membership gives you access to exclusive downloads (such as sharing any case study projection files), and you can even choose to anonymously share your retirement projection plans with the community. Your financial journey, your way! Plus, you’ll receive software updates and new features at no additional cost.
- One-on-One Coaching: Via an optional 30-minute telephone/video session we can answer any key financial questions that you may have as you develop your own plan.
- No-Risk Money Back Guarantee: We are so confident that you will get value out of our time and support, we are offering you a 30-day 100% no-risk money-back guarantee. Meaning, that if for any reason you are not satisfied with our service within 30 days of signing up, you will get a 100% refund – as simple as that!
- Price Lock Guarantee*: With our platform, we offer a unique Price Lock Guarantee. Once you subscribe to our service, your monthly pricing will never increase. You’ll be ‘grandfathered in’ at your initial subscription rate for as long as you remain a member. We believe in providing financial stability not only in your retirement planning but also in your budgeting.