FinAdvisor PRO

CANADIAN RETIREMENT INTELLIGENCE

See the financial life behind every decision.

Model retirement income, taxes, RRSP/RRIF drawdown, TFSA strategy and portfolio outcomes through one verified Canadian financial engine.

Planning projections · Not tax-return preparation or personalized securities advice
RETIREMENT READINESSStrong
87/100

Age 65 remains sustainable

Sustainable spending$82,400after tax / year
Projected estate · age 95$1.24Min 2026 dollars
One canonical engineVersioned Canadian rulesExplainable resultsHousehold planningAdvisor-ready architecture

ONE PLAN. MANY DECISIONS.

Retirement planning should connect the whole financial picture.

01

Retirement income

Coordinate employment, pensions, CPP, OAS, registered withdrawals and spending through time.

02

Lifetime tax

Compare strategies by lifetime after-tax outcome rather than this year's marginal rate alone.

03

Portfolio location

Connect Canadian and U.S. holdings to account type, tax treatment, currency and withdrawals.

FINADVISOR INTELLIGENCE

Optimize the decisions around the portfolio—not just the portfolio itself.

STRATEGY LAB

Feasibility + lifetime strategy search

Retirement age, CPP/OAS timing, withdrawal sequencing and goal feasibility are evaluated through the same canonical household engine.

Goals · Spending · Tax · Estate
PORTFOLIO LOCATION

Holdings-aware Canadian / U.S. analysis

Track pooled ACB, realized gains, foreign-source cash flows, withholding and account-location observations.

RRSP · TFSA · Taxable · RRIF
FOREIGN REPORTING

T1135 planning indicators

Track specified foreign-property cost separately from market value while respecting registered-plan exclusions.

Planning flag · Not tax filing

FROM PROJECTION TO ACTION

Know whether the plan works—and what to change when it does not.

FEASIBILITY

Funded or unfeasible—with a quantified gap

One-time goals, legacy targets, sustainable spending and retirement timing are tested through canonical projections.

Goal gap · Spending capacity · Retirement age
TAX INTELLIGENCE

Investment income is not all taxed the same way

Dividend character, foreign withholding, return of capital, ACB and capital-loss state are separated for explainable planning.

Dividends · FTC · ACB · Losses
ACTION PLAN

Turn strategy results into reviewable next steps

FinAdvisor surfaces planning actions and professional-review flags without allowing AI to invent calculations or trades.

Prioritized · Explainable · Auditable

PLANNING THROUGH LIFE

One financial model that changes with your stage—not a new calculator for every question.

01

Building wealth

Coordinate savings, registered room, taxable investing, goals and portfolio risk.

02

Approaching retirement

Test retirement dates, CPP/OAS timing, drawdown sequencing and tax transition years.

03

Living in retirement

Monitor sustainable spending, RRIF withdrawals, tax, benefits and sequence risk.

04

Legacy & transition

Project survivor outcomes, estate values and professional review needs.

A CLEAR PLANNING JOURNEY

From financial picture to monitored plan.

1

Build your picture

Bring together household income, accounts, holdings, pensions, benefits, goals and risk profile.

2

Model strategies

Use one canonical engine to compare taxes, retirement income, portfolio location and withdrawal choices.

3

Create an action plan

Turn model results into prioritized decisions with assumptions and calculation traceability.

4

Monitor & update

Re-run the plan when markets, rules, goals or household circumstances materially change.

BUILT TO SCALE WITH COMPLEXITY

From one household to professional and enterprise wealth structures.

SECURE WORKSPACE

Tenant-isolated plan history

Immutable plan versions, role-based collaboration, consent history and audit controls form the commercial platform boundary.

DIY · Pro · Enterprise
ENTERPRISE GRAPH

Households, corporations, holdcos and trusts

Complex legal entities have their own ownership graph so future entity tax engines do not get mixed into personal taxation.

Ownership · Assets · Insurance · Estate
ADVANCED TAX DATA

Transaction-level CAD tax records

Foreign-currency buys and sells carry trade-specific FX into pooled Canadian ACB and realized gain calculations.

CAD ACB · FX · Distributions · ROC

BUILT FOR TRUST

Understand the result, not just the number.

FinAdvisor is being designed so users and professionals can inspect assumptions, rule versions and calculation paths. AI explains verified results; it does not invent financial arithmetic.

Risk tolerance + capacitySeparate behavioural preference from the household's financial ability to absorb loss.
Professional collaborationFuture permissioned review by planners, accountants and other authorized professionals.
Methodology centreGovernment-source provenance, rule effective dates and transparent planning limitations.
Secure client workspaceVersioned household plans, access controls and an auditable decision history.