Win the meeting with a plan
clients actually understand
Built in Canada, for Canadian retirement — and built to be simple enough to use in the meeting, not just back at the office.
RetireZest turns a client’s full financial picture into a clear, defensible retirement plan in minutes — CPP/OAS timing, GIS, corporate drawdown and real estate at death, all modelled year by year. Then it hands you a plain-language read-out the client actually understands. No black box, no week of spreadsheets.
Nearly 6 in 10 Canadians fear outliving their savings. (2025 CPP Investments survey) Decumulation — turning a lifetime of savings into income that lasts 30+ years — is the hardest plan you build. It’s the one RetireZest is built for.
Early access is invite-only while we onboard advisors one at a time. Grab a 15-minute slot and tell us about your practice.
One score that answers “is this plan healthy?”
Every plan rolls up to a single 0–100 number — the headline your client remembers, built from four pillars you can defend.
Illustrative example — your client’s score reflects their own plan.
One number clients grasp
A 55+ client understands “84 — Healthy” in a second, where a Monte Carlo chart makes their eyes glaze. The score is the anchor the whole conversation hangs on.
Four pillars you can defend
It’s not a black box. Plan survival, lifetime tax cost, retirement cushion, and spending reliability each carry their own weight — so you can point to exactly what’s strong and what to improve.
Ranks strategies objectively
The same score compares eight withdrawal strategies and surfaces the best fit — a defensible recommendation, not advisor gut feel a client could second-guess.
Shows the value you added
Re-run after your changes and show the before-and-after: a plan that moved from 68 to 84 is the clearest proof of the difference your advice made.
What it does for your practice
Clearer client meetings, fewer hours per plan, and numbers that hold up to an accountant.
Walk in with answers, not spreadsheets
Turn a client’s full picture into a clear, plain-language read-out a 55+ client actually understands — what their plan survives, what it costs in tax, and the cushion left over. The clarity that turns a prospect into a client.
Year-by-year projections, in minutes
Capture the client once — or import from a statement — and the engine runs every year to age 100 across eight withdrawal strategies. No formula wrangling, no rebuilding the model when an assumption changes.
The numbers hold up under scrutiny
CPP/OAS timing, GIS clawback, corporate drawdown, real estate at death — every Canadian edge modelled the way the CRA actually treats it. Your projections stand up to a client’s accountant, with 2026 federal and provincial rates.
Justify your fee, stand apart
Show prospects a tax-smart plan their last advisor never put a number on — in plain language they actually follow. Serve more clients in the same hours, without an enterprise tool’s price tag or its learning curve.
Every plan ends in a next action
RetireZest doesn’t stop at a static plan. It surfaces the opportunities and the dollar-specific moves — fund this account, shift this draw — that deepen the relationship and bring more assets onto your book.
- ✓Fund available TFSA roomOpportunity
e.g. ~$14K of unused room — tax-free growth on your book
- ✓Use remaining RRSP room this yearOpportunity
Lower this year’s tax bill, add to assets you manage
- ✓Plan the RRSP→RRIF conversionDeadline
Before age 71 — keep the timing in your hands
Illustrative example — your client’s opportunities reflect their own plan.
Opportunities, surfaced for you
The dashboard flags clients with unfunded TFSA or RRSP room, stale plans, or missing income sources — the openings to add value, before the client thinks to ask.
Dollar-specific contribution moves
When there’s a savings gap, RetireZest splits the recommended contribution across RRSP, TFSA, and non-registered — concrete amounts a client can act on.
A deliverable they credit to you
Each move is a concrete win the client can attribute to your advice — the reason they consolidate more of their money with you, not less.
AI does the grunt work — the engine does the math
AI handles the data entry and the plain-language write-up. Every financial number comes from the deterministic Canadian engine — transparent, repeatable, and the same every time. No AI guessing at your client’s plan.
Paste a client’s details or upload a statement, and AI reads it into a ready-to-run profile — no manual re-keying. It extracts what’s on the page and never invents a number; you review before anything runs.
AI turns a scenario comparison into a clear, client-ready explanation of what changed and why — so you spend less time writing it up and more time advising.
Why the numbers hold up
Every one of these is modelled explicitly — the way the CRA actually treats it, with 2026 federal and provincial rates — so your projections stand up to scrutiny.
Sweeps every CPP start age (60–70) against every OAS age (65–70) and ranks by net lifetime dollars — not a generic “delay to 70” rule of thumb. Surfaces the timing your client actually keeps the most money under.
Continuous-formula GIS modelling with the couple vs. single income tests, the Allowance for a 60–64 spouse, and OAS recovery-tax thresholds — the low-income and clawback edges most projection tools ignore entirely.
Model the holdco: eligible vs. non-eligible dividends, capital-gains realization, RDTOH refunds, CDA, and tax-efficient corp-to-personal sequencing for your incorporated professional and business-owner clients.
Principal-residence exemption, deemed disposition on non-PRE property, downsizing, and rental income — with the terminal-tax bill on real estate flowing into the estate, where most tools just stop at liquid accounts.
Eight withdrawal strategies — TFSA-first, RRIF meltdown, balanced, GIS-optimized and more — simulated year by year against your client’s actual picture, then ranked by their stated priority: estate, taxes, or income.
Thousands of market scenarios with sequence-of-returns risk, so “will this plan hold?” gets a probability and a depletion age you can show a client — not a single deterministic line.
From client data to a plan they’ll thank you for
Bring your client in
Add a client and capture their picture — accounts, corp, real estate, pensions, spending phases — or import it straight from a statement.
Run the comparison
See eight withdrawal strategies and the CPP/OAS timing ranked by your client’s priority — estate, taxes, or income — with a single Zest Score you can point to.
Show the client
Hand them a plain-language read-out a 55+ client gets at a glance — the survival, the tax bill, and the cushion, without the jargon. The conversation that closes the engagement.
Be one of our first advisors
We’re onboarding a small group of retirement-focused planners in Alberta, BC, Ontario, and Quebec — and shaping the advisor tools around how they actually work. Grab a 15-minute slot; come tell us where the current tools let you down, and see whether this earns a place in your practice.
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