1. Retirement Planner
Bring retirement timing, CPP, OAS, monthly spending and account balances into one comparison.
Build my retirement plan Uses estimates you can replace with official figuresPrepare your finances for retirement.
Prepare your portfolio and monthly income for the transition from saving to spending.
This phase may fit if…
Retirement is becoming a near-term decision.
You want to know what your savings and pensions could support each month.
You want to reduce the effect of a market decline near retirement.
You need a clear plan for where retirement income will come from.
Quick Start
2. Income Plan
Put monthly spending, pensions and portfolio withdrawals in one picture.
Build my income plan Educational illustration · Rough estimates are fineWhat matters now
Prepare for the transition
| Action | Description | Tool |
|---|---|---|
| 1. Confirm your goal and timing | Review the retirement date and monthly spending the plan needs to support. | Quick Forecast |
| 2. Compare retirement income sources | See CPP, OAS, pensions, spending and accounts in one connected illustration. | Retirement Planner |
| 3. Design a monthly paycheque | Choose how pensions and portfolio withdrawals may work together, then test the pressure points. | Retirement Income Planner |
| 4. Protect early withdrawals | See how volatility and an early market decline could affect the plan. | Portfolio Risk |
Questions for this phase
Learn one trade-off at a time.
Understand the transition
Does preparing for retirement mean selling all growth investments?
Not necessarily. Near-term withdrawals may benefit from more stable assets, while later spending may still need long-term growth. Retirement Outlook helps you test that balance rather than treating retirement as one investment date.
Why can a market decline near retirement matter more?
Withdrawals after an early loss leave less money invested for a recovery. This is sequence-of-returns risk. The Portfolio Risk and Income Planner views show it as a stress—not a prediction.