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 retirement 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.
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.
Key Benefits:
- 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.
- 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. Our user-friendly 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.
What’s Included:
- Confirm you’re on the right track (or if you need to make changes)
- Identify new tax and gov. benefit opportunities
- Customize your approach to fit you and your goals
- Access your plan at any time, day or night
- Visually map your income and spending
- Identify new cash flow opportunities
- Get insights into family expenses
- Plan for education funding using RESPs and grants
- See the impact of spending changes on your long-term plan
- Learn new best practices
- Pay off debt faster
- Plan short and medium-term goals
- Create an investment plan for long-term goals
- Plan retirement decumulation
- See the impact of RRSP to RRIF conversion timing
- Automatic estimates for government benefits like CCB, GIS, and many more
- Automatic estimates for retirement benefits like CPP and OAS
- Automatic calculations for income tax, CPP and EI contributions
- Automatic income splitting for couples
- Know exactly what to do with a detailed year-by-year road map
- Long-term projections for net worth, income, expenses, and taxes
- Understand your financial plan’s success rate from 0% to 100%
- Estimate the chance of running out of money in retirement
- On-going access to the platform (optional with low monthly fee)
We provide 90-day initial access to the platform then a very low-fee 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 founder’s 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).
- One-on-One Coaching: Via an optional 30-minute telephone/video session we can coach you through the software platform and 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!