Two quick taps and I'll show the tools that actually fit your situation.
Which fits best?
Pick the closest — you can always sort out the details with Braeden.
One quick question
How much are you currently setting aside outside the business?
One honest answer — it changes which tools you see first.
💡 You're like most owners we work with — and honestly, reinvesting is often the right call at your stage. This next part was built for exactly that: what your business needs to become, what it's exposed to, and where planning creates dollars without touching your cash flow.
Where should I send your results?
So you can revisit these anytime — even if you only have a second right now.
These are exactly the questions a 30-minute conversation answers →
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?
💡 If something happened tomorrow, would the people you leave behind have enough — after debts, final expenses, and the bills that don't stop — to invest what's left and draw a comfortable income from it every month? That's the real question life insurance answers.
💡 Think you're too young for life insurance? You'll almost certainly need it one day — and here's the catch: premiums rise as you age, so waiting doesn't save you money, it just means paying more later. Locking it in young is often the cheapest it will ever be.
Illustration only, using a DIME framework. Final expenses default to $15,000 — an editable assumption, adjust it to your situation. 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
Compare both outcomes under your own assumptions.
💡 A GIC protects your money from market swings. Its return may not keep pace with inflation, and outside registered accounts the interest is taxable.
Hypothetical illustration with placeholder rates, monthly compounding. Past performance is not indicative of future results. Not advice.
The power of your TFSA
If you've been eligible since 2009 and never contributed, you could have up to ~$109,000 of room (2026).
Conservative 4%
Balanced 6.5%
Growth 8%
Tax-free at retirement
$0
Withdrawals are generally tax-free, subject to eligibility.
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. The 2026 cumulative maximum shown applies to someone eligible since 2009 (18+ and a Canadian resident throughout) who never contributed. Your actual room is personal — verify it in your CRA My Account before contributing. Amounts over your limit are taxed at 1% per month while they stay in the account. 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.
Conservative 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.
Conservative 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.
Conservative 4%
Balanced 6.5%
Growth 8%
Projected education fund
$0
Includes $0 in free government grants.
💡 The CESG adds a 20% government grant on eligible contributions — before any growth. There's almost nothing else like it. Leaving it unclaimed is leaving free money behind.
💡 Most owners have a plan for the business — fewer have one for their kids' education. The government adds 20% to eligible RESP contributions either way.
Illustration. CESG shown is the basic 20% grant on the first $2,500/yr per child ($500/yr), lifetime max $7,200/child — assumes steady contributions with no carry-forward of unused grant room. Grants apply to eligible contributions through the year the child turns 17. 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.
Assumes your contribution is within your available RRSP room. Estimate using the 2026 federal + Alberta brackets and basic personal amounts; ignores credits beyond the basic personal amount. 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.
Conservative 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.
Give your raise a job
Your next raise can vanish into lifestyle — or quietly become the easiest money your future ever sees.
Conservative 4%
Balanced 6.5%
Growth 8%
A raise given a job becomes
$0
Raise absorbed into lifestyle
Raise given a job
💡 You never had this money in your lifestyle — so investing it costs you nothing you'll miss. That's the easiest raise your future ever gets.
Hypothetical illustration, monthly compounding, return capped at 9%. Simple model: one raise applied today — annual raises are not compounded. Not advice.
Pay off your mortgage faster… or should you?
Extra payments save interest. The same dollars invested might grow past what you owe. There's a real crossover point — find yours.
Mortgage balanceInvested extra (8%)Crossover
Extra on the mortgage
Invested instead
💡 There's a real crossover point — and which side of it you should be on depends on your rate, your timeline, and your tax picture. That's a conversation.
Illustration only. Canadian fixed-rate convention (semi-annual compounding). Ignores prepayment limits and penalties, taxes on non-registered growth, and rate changes; the 8% investment assumption is a long-horizon assumption, not a promise. Not advice.
Your business IS your retirement plan. Stress-test it.
If the plan is "the business is my retirement," this is the number that plan has to hit.
Conservative 4%
Balanced 6.5%
Growth 8%
Your business would need to sell for about
$0
💡 Sale proceeds are before tax — what you keep depends on how the sale is structured. That's a conversation.
💡 If the business couldn't sell for that number, the gap is what planning is for — no monthly cheque required to start.
Hypothetical illustration, monthly compounding, return capped at 9%. Sale value depends on a real valuation; proceeds shown are before tax and costs. Not advice.
The six-month test
Every plan for the business assumes you're in it. This is the number that tests that assumption.
If you couldn't show up
$0
💡 If you couldn't work for six months, how long does the business keep paying you?
💡 Who runs it while you're out — and what does that cost?
Exposure illustration only — no insurance pricing is shown or estimated here; coverage and pricing are determined by underwriting. Not advice.
Will your money last?
You've built a nest egg. Now the other question: how long can it pay you?
Conservative 4%
Balanced 6.5%
Growth 8%
Your money lasts about
—
Hypothetical illustration, monthly compounding, return capped at 9%. Withdrawals modelled at month-end. Not advice.
Pass these along
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