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 for Advisors is a Canadian retirement-planning platform that turns a client’s full financial picture into a clear, defensible 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.
The same engine has already run hundreds of Canadian retirement plans across provinces — the modelling behind this page is live, not a mock-up.
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 turn a plan into concrete next steps for the client, and grow the assets under your management as a result.
- ✓Fund available TFSA roomOpportunity
e.g. ~$14K of unused room — tax-free growth for the client
- ✓Use remaining RRSP room this yearOpportunity
Lower this year’s tax bill while the room is still available
- ✓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 kind of clarity that earns trust and, over time, more assets under your management.
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.
Practice pricing, not enterprise pricing
One flat monthly fee per advisor — every Canadian-modelling feature included, no per-plan charges. Start with a 14-day free trial; no credit card required.
These are founding-advisor rates, locked in for our first cohort while the advisor tools are still taking shape — your price won’t rise as the platform matures.
Basic
For a focused book of retirement clients.
or $790 billed yearly
- ✓Up to 20 active clients
- ✓Unlimited simulations
- ✓Branded PDF reports
- ✓Read-only client portal
- ✓CSV client import
- ✓All 8 withdrawal strategies
- ✓Email support
Professional
Most popularFor a growing practice serving more households.
or $1,490 billed yearly
- ✓Up to 100 active clients
- ✓Everything in Basic
- ✓Priority support
- ✓Early access to new features
Early access is invite-only while we onboard our founding cohort one advisor at a time. Prices are per advisor in CAD, separate from RetireZest’s consumer pricing. Need more than 100 active clients? Talk to us.
Advisor questions, answered
What advisors ask before their first plan.
What is RetireZest for advisors?
RetireZest for Advisors is a Canadian retirement-planning platform that turns a client’s full financial picture into a clear, defensible decumulation plan in minutes. It models CPP and OAS timing, GIS clawback, corporate drawdown, and real estate at death year by year to age 100, then produces a plain-language read-out and a single 0–100 Zest Score the client understands.
Who is RetireZest built for?
It is built for Canadian financial advisors and retirement planners who work with clients approaching or in retirement — including incorporated professionals and business owners with a holding company. It is currently in early access for advisors in Alberta, British Columbia, Ontario, and Quebec.
Does it model Canadian tax and benefit rules accurately?
Yes. The engine applies 2026 federal and provincial rates and models the Canadian edges most projection tools skip: CPP and OAS start-age optimization, the GIS continuous-formula clawback with couple and single income tests, the OAS recovery tax, corporate dividend and capital-gains treatment with RDTOH and CDA, the principal-residence exemption, and deemed disposition on non-principal-residence property at death.
Is RetireZest a black box, or can I defend the numbers?
Every financial calculation is done by a deterministic engine that runs the plan year by year — not by AI. AI is used only to read client data into a profile and to explain results in plain language, and it never invents a number. You can trace each figure, so projections stand up to a client’s accountant.
Can I import client data?
Yes. You can capture a client’s picture directly, import from a CSV, or upload a statement and have AI read it into a ready-to-run profile that you review before anything runs — no manual re-keying.
How much does RetireZest for advisors cost?
Advisor pricing is a flat monthly fee per advisor with every Canadian-modelling feature included and no per-plan charges. The Basic plan is $79/month (up to 20 active clients) and the Professional plan is $149/month (up to 100 active clients). These are founding-advisor rates, locked in for our first cohort and held as the platform matures. Both start with a 14-day free trial and no credit card required. Prices are per advisor in CAD, and separate from RetireZest’s consumer pricing.
How is it different from other retirement-planning software?
RetireZest pairs the depth of full Canadian decumulation modelling — eight withdrawal strategies, Monte Carlo stress testing, corporate and real-estate edges — with a plain-language read-out and a single Zest Score that a 55+ client grasps in the meeting. It is designed to be simple enough to use live with a client at practice pricing, not enterprise pricing.
Which provinces does RetireZest support?
The engine models all Canadian provinces. The advisor module is in invite-only early access starting with Alberta, British Columbia, Ontario, and Quebec, with more provinces being onboarded over time.
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.
Prefer to talk to a co-founder? Darcy Marler helped build RetireZest — book him directly to dig into how it fits your practice.
Prefer to email first? Send us a note instead.
Already have an invitation code? Create your advisor account