Retirement Projections

Financial Questions?

Have you googled a financial question but can’t get an answer to your specific financial situation? Have you tried all the “free” financial calculators online, but just can’t seem to get the answers that you are looking for? Have you looked into a financial advisor to run some numbers and/or retirement projections but you are not willing to pay thousands of dollars (typically ranges from $1,500 all the way up to $8,000)?

Solution 1: An Online Financial Discussion Forum to Answer your Questions

We are here to help! First, we have created an exclusive Membership Area that allows you to ask unlimited financial questions and get personalized answers from us (the founder’s Mark and Joe) and other members. Our goal is to be a part of your journey in growing your wealth into retirement and beyond. In addition to financial discussion, this membership gives you access to exclusive downloads (like case study projection files), and downloadable tools that will be published over time.

Solution 2: Retirement Projections/Readiness using Professional Financial Software

If financial/retirement projections and understanding your retirement readiness is what you are after, we have access to professional financial software (software that we are using for our own plans in fact!) and making it available to you in our value-packed membership options. With this powerful software, we offer a detailed report that answers questions specific to your financial situation such as:

  • Do I have enough to retire?
  • When can I retire?
  • Will I run out of money in retirement?
  • How much can I spend in retirement?
  • How much of a financial legacy can I leave behind?
  • Should I take CPP at age 65 or 70?
  • How do I minimize OAS clawback?
  • Which account (and when) should I withdraw from during retirement for the highest tax efficiency and estate value?
  • And more!

Your report will also include graphical financial projections such as:

Net Worth Over Time

Sources of Income During Retirement (drawdown of accounts)

After-Tax Spending During Retirement

Income and Cashflow Tables that Show How Much to Withdraw from each Account by Year

Solution 3: One-on-One Telephone Financial Coaching

If you want that extra little bit of help with a personal touch, then our one-on-one virtual coaching is for you. We offer this included in our platinum membership (see below) where we can coach you through your Retirement Projections Report and/or any other financial topics. With one-on-one coaching, you can ask us anything, including how we invest and what we think about! If you would like one-on-one financial coaching on its own, contact us and we will make it happen!

Why are we Offering this Service?

We are offering these services because we feel, essentially, we can help Canadians in a major way.  We are currently using professional financial projections software that we and other planners use and making it available to our readers.  We are both (Mark and Joe) using this software for our own personal finances, and we can honestly say that the software has significantly boosted our confidence in our early (or semi) retirement plans!

We also feel there is a huge gap between fee-only planners who advise folks vs. folks who simply want some personal confidence in their own retirement projections. As passionate Do-It-Yourself (DIY) investors, we know the hard part really isn’t about investing or asset accumulation any longer with all the tools, services and resources available to Canadians. The challenging part is really about solving the asset decumulation puzzle. That asset decumulation puzzle is a process that is often very personal and must be tailored to your specific retirement or semi-retirement needs and goals. We know – we’re working through that process ourselves right now!

Financial advisors will typically charge between $1.5k – $8k for a financial plan or require that you invest through them and charge a percentage of your entire portfolio.  By using our intake process and our services, we offer personalized retirement projections for a fraction of the cost. We also have no desire to manage any investors’ financial assets (and we do not provide specific investment advice), so we avoid that conflict of interest!

With Cashflows & Portfolios, we work with you, take your inputs, your assumptions, then work on providing you with an optimized Retirement Projections Report(s) that is customized to your needs and goals.

Client Testimonials

We have had great success with clients thus far with an unbeaten streak of happy customers. Here are a few and of the many testimonials that we have received:

I am so impressed with the quality of the reports and the thoughtfulness that went into the scenarios. After I filled out the questionnaire, I’d thought of additional details the following morning I should have provided and I’d already had an email in my inbox asking these questions, plus others I hadn’t thought of! Absolutely recommend and great value!

-Emily

Thanks for taking my information, my complexities, including my burning questions about what I can retire on, and providing an unbiased, clear report. Your information helps me better understand my savings and investing plan, and helps me with my decisions going forward.

-Adam

The experience of working with Mark and Joe on a Retirement Projections Report was a real eye-opener for us. Although early is better than late (to start preparing for retirement) late is better than never. We feel much more empowered to spend the last five years or so in the workplace to really focus on our retirement with the knowledge that we have a foundation that can still be built upon. This process (reviewing your own finances) can be intimidating, but it is so valuable an exercise to go through and the emails and communication were absolutely first rate. Highly recommended!

-Kathleen

I asked Mark and Joe one question: how long will my money last if I spend X amount of money a year? They presented me with a very detailed scenario/projection. However they also analyzed my question further and presented me with a second scenario/projection that would help me even more to succeed financially. Their service is professional and very friendly. I highly recommend their services.

-Thomas

Get Started with a Cashflows & Portfolios Membership

Get your pressing financial questions answered for peace of mind, potentially save thousands compared to using a financial advisor, and we offer a 100% money-back guarantee. What are you waiting for? Get started by choosing one of the Membership options below:

Bronze Membership

Discussion Forum: Access to our online Membership Area for 1-year that allows you to: Ask unlimited financial questions and get personalized answers; Access to exclusive downloads and tools.

A Detailed and Personalized Report: Get answers to key financial questions about your retirement to give you peace of mind. Do I have enough to retire? When can I retire? Will I run out of money in retirement? How much can I spend in retirement?

Retirement Projections: Comprehensive financial projections about your specific situation including a schedule showing how much to withdraw from each account by year.

Retirement Plan Stress Testing: Using the worst historical sequence of returns over 10, 20, 30 year time periods, we will stress test your retirement plan and show you what your retirement would look like during long periods of lower market returns.

One-on-One Coaching: 1-hr telephone financial coaching session with us!

Gold Membership

Discussion Forum: Access to our online Membership Area for 1-year that allows you to: Ask unlimited financial questions and get personalized answers; Access to exclusive downloads and tools.

A Detailed and Personalized Report: Get answers to key financial questions about your retirement to give you peace of mind. Do I have enough to retire? When can I retire? Will I run out of money in retirement? How much can I spend in retirement?

Retirement Projections: Comprehensive financial projections about your specific situation including a schedule showing how much to withdraw from each account by year.

Retirement Plan Stress Testing: Using the worst historical sequence of returns over 10, 20, 30 year time periods, we will stress test your retirement plan and show you what your retirement would look like during long periods of lower market returns.

One-on-One Coaching: 1-hr telephone financial coaching session with us!

Platinum Membership

Discussion Forum: Access to our online Membership Area for 1-year that allows you to: Ask unlimited financial questions and get personalized answers; Access to exclusive downloads and tools.

A Detailed and Personalized Report: Get answers to key financial questions about your retirement to give you peace of mind. Do I have enough to retire? When can I retire? Will I run out of money in retirement? How much can I spend in retirement?

Retirement Projections: Comprehensive financial projections about your specific situation including a schedule showing how much to withdraw from each account by year.

Retirement Plan Stress Testing: Using the worst historical sequence of returns over 10, 20, 30 year time periods, we will stress test your retirement plan and show you what your retirement would look like during long periods of lower market returns.

One-on-One Coaching: 1-hr telephone financial coaching session with us!

*plus applicable Sales Taxes. Price subject to adjustment for more complex financial scenarios (ie. private corporations, multiple rental properties)

 

Added Bonus: No-Risk Money-Back Guarantee

We are so confident that you will get value out of this service, we are offering you a 100% no-risk money-back guarantee. If for any reason you are not satisfied with your purchase, you will get a 100% refund – as simple as that!