This one opens up after a quick chat with Braeden — he'll tailor it to your actual numbers. No pressure, no cost.
A discussion topic, not a calculator. Any figures are covered later, with full disclaimers.
Your snapshot
Here's your picture
A summary of the illustrations you explored. All figures are hypothetical and for discussion only — not advice.
Coverage your family actually needs
Not a cheque for a funeral — enough to keep life going. (We don't price it; underwriting does. This paints the picture.)
Estimated coverage need
$1,500,000
💡 Most people are insured to the bank's number (the mortgage) — not their family's number. The day it's needed, which one would you want them to have?
Illustration only, using a DIME framework. Pricing is determined by underwriting. Not advice or a quote.
A fund vs. an average 5-yr GIC
Same money, same time. It's not about the outcome — it's the opportunity cost of where it sits.
⚠️ Prototype uses placeholder return figures. The live version uses official, compliant fund performance data with required disclaimers.
GIC 3.5%
Balanced 6%
Equity 8%
Fund5-yr GIC
Difference after the full term
$0
That's the opportunity cost of playing it "safe."
💡 A GIC protects your money from the market. It doesn't protect it from inflation or taxes — and it can't make up the gap above.
Hypothetical illustration with placeholder rates, compounded annually. Past performance is not indicative of future results. Not advice.
The power of your TFSA
If you've never used it, you likely have ~$109,000 of room sitting unused right now (2026).
Cautious 4%
Balanced 6.5%
Growth 8%
Tax-free at retirement
$0
Every dollar comes out tax-free.
A tax-free income stream could fund:
✈️ Travel🔨 Renovations🎓 Helping the kids🚗 A new vehicle
💡 In retirement you'll likely pull taxable income from your corp and RRSP — at a high bracket. TFSA withdrawals don't count as income, so they don't add to your tax bill or trigger OAS clawback. That's the quiet superpower most people leave on the table.
Illustration only. 2026 cumulative room shown is the max for someone eligible since 2009 who never contributed. Updated annually. Not advice.
Invest the difference
The Primerica idea: cover your family with the right protection, then put what you free up to work. Watch it compound.
Cautious 4%
Balanced 6.5%
Growth 8%
That difference could become
$0
💡 A few hundred dollars a month feels small. Given time, it's often the difference between just getting by and real freedom in retirement. Small redirect, huge result.
Hypothetical illustration, monthly compounding, return capped at 9%. Not advice.
The cost of waiting
The most expensive thing in investing is usually the years you didn't start. See it for yourself.
Cautious 4%
Balanced 6.5%
Growth 8%
Cost of waiting 5 years
$0
Same monthly amount — just started later.
💡 You can't buy back time, but you can start today. The best day was years ago; the second best is right now.
Hypothetical illustration, monthly compounding, return capped at 9%. Not advice.
Free money for your kids' education
The government adds 20% on top of what you put in an RESP (up to $500/yr per child). Most families never fully claim it.
Cautious 4%
Balanced 6.5%
Growth 8%
Projected education fund
$0
Includes $0 in free government grants.
💡 That grant is a guaranteed 20% return the day you contribute — before any growth. There's almost nothing else like it. Leaving it unclaimed is leaving free money behind.
Illustration. CESG is 20% on the first $2,500/yr per child ($500/yr), lifetime max $7,200/child. Not advice.
What an RRSP gives you back
Your estimated tax refund in Alberta, based on income and what you contribute.
Estimated refund
$0
at a ~0% marginal rate
💡 Every $1,000 you contribute puts about $0 back in your pocket — money most people never claim.
Estimate using approximate 2026 Alberta combined marginal rates. Not tax advice — your actual refund depends on your full return.
Where could this get you?
Start with a lump sum, add to it monthly, and let time do the heavy lifting.
Cautious 4%
Balanced 6.5%
Growth 8%
Projected value
$0
💡 See how much of that final number is growth, not what you put in? That's the part the bank's savings account never gives you.
Hypothetical illustration, monthly compounding, return capped at 9%. Not advice.
Pass these along
Know a coworker or friend who'd find this useful? Share your link. When they unlock their tools, Braeden gets a heads up so he can say thanks.