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Planworks

Services / Retirement

Retire On Your Terms

Planworks helps you sequence withdrawals, time CPP and OAS, and rebuild the plan each year to confidently retire on the date you choose.

Book a call

Services / Retirement

Retire On

Your Terms

Planworks helps you sequence withdrawals, time CPP and OAS, and rebuild the plan each year to confidently retire on the date you choose.

Book a call

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Planworks AdvisorYour Planworks Advisor
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Planworks AdvisorYour Planworks Advisor
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Retire confidently, with full insight into your income, taxes, and your future

Retire confidently, with full insight into your income, taxes, and your future

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Withdrawal Scheduled

2026 RRIF Minimum · View Report

Nothing missed

Conversion deadlines, withdrawal minimums, and clawback limits are tracked for you and flagged before they pass. You don't have to monitor any of it yourself.

Search previous simulations

Bridge years with non reg-drawdown

Retire at 62 vs 65

CPP at 60 vs 65 vs 70

RRIF conversion timing

Sequence-of-return stress test

Compare your options

Run any retirement decision against your real balance sheet before you make it. See what each one leaves you with.

P

Retirement

All

5

Archived

RRSP for E.

RRIF for J.

TFSA for J.

0

2

1

1

Accounts

Add Account

Withdrawals

Conversions due

Reviews due

6

3

1

Add item

This year

All your accounts, connected

Each account feeds into the same dashboard, from RRSP to RRIF to TFSA, with conversions and required withdrawals flagged on schedule.

P

Withdrawal Scheduled

2026 RRIF Minimum · View Report

Nothing missed

Conversion deadlines, withdrawal minimums, and clawback limits are tracked for you and flagged before they pass. You don't have to monitor any of it yourself.

Search previous simulations

Bridge years with non reg-drawdown

Retire at 62 vs 65

CPP at 60 vs 65 vs 70

RRIF conversion timing

Sequence-of-return stress test

Compare your options

Run any retirement decision against your real balance sheet before you make it. See what each one leaves you with.

P

Retirement

All

5

Archived

RRSP for E.

RRIF for J.

TFSA for J.

0

2

1

1

Accounts

Add Account

Withdrawals

Conversions due

Reviews due

6

3

1

Add item

This year

All your accounts, connected

Each account feeds into the same dashboard, from RRSP to RRIF to TFSA, with conversions and required withdrawals flagged on schedule.

The advantage of one firm doing all of it

The advantage of one firm doing it all

Your investments and your tax, coordinated

Your investments and your tax, coordinated

The people managing your money and the people handling your tax work sit in the same firm. Your drawdown gets built to be tax-efficient from the start instead of cleaned up at filing time.

The people managing your money and the people handling your tax work sit in the same firm. Your drawdown gets built to be tax-efficient from the start instead of cleaned up at filing time.

Decisions don't get made in isolation

Decisions don't get made in isolation

When to take CPP, which account to draw from first, how much to convert and when. These choices affect each other, and they get made together rather than one professional at a time.

When to take CPP, which account to draw from first, how much to convert and when. These choices affect each other, and they get made together rather than one professional at a time.

Planning that updates when your life does

Planning that updates when your life does

Markets move, rules change, plans shift. The work doesn't stop at a single meeting, and your retirement gets revisited as the things around it change.

Markets move, rules change, plans shift. The work doesn't stop at a single meeting, and your retirement gets revisited as the things around it change.

Plan once. Revisit often.

Stay on track for good.

Plan once. Revisit often.

Stay on track for good.

A retirement plan isn't a one-time calculation. Your spending, the markets, and the tax rules all change over time, and the plan is built to adjust as they do, so what you can spend each year stays grounded in where things actually stand.

See tax loss harvesting disclosures

01

Map

We build the full picture of your accounts, income, and the retirement you're planning for, then set what you can spend from day one.

02

Adjust

As markets move and your life changes, the plan updates. Your withdrawals and tax strategy shift with the conditions instead of staying fixed to an old assumption.

03

Review

You meet with your CFP on a set cadence to go over where you stand. Every number is current, and you always know whether you're still on track.

The cost of how you're invested

Based on a $1.5M portfolio at a 7% return

$1.10M

What a 1.25% annual fee takes from a $1.5M portfolio over 20 years, set against our flat fee at the same 7% return. The Big Five wealth managers charge that percentage on everything you hold, every year, however the portfolio performs.

71%

How much more your account is worth over those 20 years than managing it yourself, based on the 3% a year Vanguard's research credits to professional planning and advice.

96%

The share of active Canadian equity funds that failed to beat their index over the past ten years. Nearly half of those funds were shut down or merged over the same period, dropping their worst results out of the count.

Plan once. Revisit often.

Stay on track for good.

A retirement plan isn't a one-time calculation. Your spending, the markets, and the tax rules all change over time, and the plan is built to adjust as they do, so what you can spend each year stays grounded in where things actually stand.

See tax loss harvesting disclosures

01

Map

We build the full picture of your accounts, income, and the retirement you're planning for, then set what you can spend from day one.

02

Adjust

As markets move and your life changes, the plan updates. Your withdrawals and tax strategy shift with the conditions instead of staying fixed to an old assumption.

03

Review

You meet with your CFP on a set cadence to go over where you stand. Every number is current, and you always know whether you're still on track.

The cost of how you're invested

Based on a $1.5M portfolio at a 7% return

$1.10M

What a 1.25% annual fee takes from a $1.5M portfolio over 20 years, set against our flat fee at the same 7% return. The Big Five wealth managers charge that percentage on everything you hold, every year, however the portfolio performs.

71%

How much more your account is worth over those 20 years than managing it yourself, based on the 3% a year Vanguard's research credits to professional planning and advice.

96%

The share of active Canadian equity funds that failed to beat their index over the past ten years. Nearly half of those funds were shut down or merged over the same period, dropping their worst results out of the count.

“I asked one question and got one answer that covered my corporation, my will, and my investments. That had never happened before.”
Micheal Thorne
Orthodontist
Customer story
“I asked one question and got one answer that covered my corporation, my will, and my investments. That had never happened before.”
Micheal Thorne
Orthodontist
Customer story