MONEYWEB_DESK
68 CHECKS
NO SIGNUP
ACPI / CIRO / CIPF
NO SIGNUP
ACPI / CIRO / CIPF
// RETIREMENT SEQUENCE ENGINE
Your withdrawal order is the highest-yield decision left in your plan.
Three modules. Sixty-eight checks. Run them against your own numbers, flag what fails, and bring the failures to a twenty-minute call.
Drawdown sequence
MODULE 03
MODULE 03
01Higher earner · non-registered
02Lower earner · non-registered
03Lower earner · registered
04Higher earner · registered
// conventional sequence tested in module 03 — not a recommendation; optimal order depends on both tax brackets
CPP/OAS/RRSP/RRIF/LIF_LRIF/TFSA/DBPP/DCPP/ACB/SWP
MODULE_01
19
19
The retirement plan
Objectives, assumptions, income options, and a sensitivity run across return, inflation and tax scenarios.
MODULE_02
21
21
The investment plan
Portfolio risk against the risk of outliving assets. Allocation, foreign content, and where tax leaks.
MODULE_03
28
28
The retirement mix
Cash flow projections, pro-forma returns, deferral timing, and splitting between two spouses.
35years advising households
68checks across 3 modules
CFPCertified Financial Planner
CIPFcoverage through ACPI
STEP_01
Tick what holds
Runs locally in your browser. Nothing is submitted or stored.
Tick what holds
Runs locally in your browser. Nothing is submitted or stored.
STEP_02
Read the failures
Four or five blanks is the normal result. That is your agenda.
Read the failures
Four or five blanks is the normal result. That is your agenda.
STEP_03
Bring them to a call
Twenty minutes, no slides. We start where the list stops.
Bring them to a call
Twenty minutes, no slides. We start where the list stops.
Start with module 01
Investment services through Money Web Securities, an approved trade name of Aligned Capital Partners Inc. Member CIPF and CIRO.
