Yes. During the 14-day free trial, you will have access to a limited version of the lifetime analysis service. This version will provide you with a comprehensive analysis covering one year's worth of data, including your projected deposit and withdrawal strategies, optimal age for CPP and OAS, and an estimation of your end-of-analysis estate balance.

No, we do not require you to connect your bank account or provide any sensitive banking information such as your Social Insurance Number (SIN). The lifetime analysis is designed to work with the financial information you provide manually. It does not access or retrieve any data directly from your bank accounts.

To generate an accurate analysis, you will need to provide your current income, investments, assets, and expenses. Additionally, relevant personal data like your age, desired retirement age and estate goals will assist in formulating a precise analyses and tailored Action Plan.

The analysis considers your individual circumstances, including your current financial situation and projected income needs. By assessing different scenarios and tax implications, it determines the optimal age for you to start receiving CPP and OAS benefits, taking into account factors such as potential changes in benefits and your desired retirement lifestyle.

Regular updates ensure that your strategy remains aligned with your evolving circumstances and goals. It is generally recommended to update your lifetime analysis whenever significant life events occur, such as a change in income, major expenses, or shifts in your financial goals.

Tax brackets are updated frequently to ensure accurate and up-to-date calculations of your tax burden. Our system is designed to incorporate the latest tax brackets as soon as they are released in the federal and provincial budgets. This allows us to stay in sync with any changes and prepare for the upcoming year's tax returns.