Straight answers to the questions people actually ask — each one connects to a tool where you can run your own numbers, free, in about two minutes.
Start from the other end: instead of asking "how big should my savings be?", ask "what monthly income do I want my savings to pay me?" Once you know the monthly draw you're aiming for, you can work backwards to the nest egg that supports it. The "Will your money last?" tool shows how long a balance holds up under the withdrawal you pick — and what a sustainable draw looks like. Open the tools → Will your money last?
There's no magic number, but there is a useful lens: the percentage of your income that's working for your future. Most people can tell you their rent but not their savings rate. The growth playground shows what a monthly amount becomes with time, and the raise tool shows how to grow your rate without feeling it. Open the tools → Where could this get you?
An RRSP contribution can reduce your taxable income now — that's the refund — while withdrawals are generally taxed later. A TFSA is the mirror image: no deduction today, but growth and withdrawals are generally tax-free, subject to eligibility. Which comes first depends on your income, your bracket now versus retirement, and your goals — that's a conversation, not a rule. Run both tools and see what each dollar does. Open the tools → What an RRSP gives back & The power of your TFSA
You'll almost certainly need it one day, and that's exactly why timing matters: premiums generally rise with age, so waiting doesn't save money — it usually means paying more for the same protection later. Locking coverage in while you're young and healthy is often the cheapest it will ever be. The coverage tool paints the picture in two minutes. Open the tools → Coverage your family needs
Most people are insured to the bank's number — the mortgage — not their family's number. A fuller picture counts income replacement, debts, the mortgage, education for the kids, and final expenses, minus what you already have. That's the DIME framework, and the coverage tool walks you through it with your own numbers. Open the tools → Coverage your family needs
This one genuinely has two good answers — and a crossover point between them. Extra payments save interest and bring the payoff date closer; the same dollars invested may grow past the remaining balance sooner than you'd think. Which side of the crossover you should be on depends on your rate, your timeline, and your tax picture. See both, side by side, with your own numbers. Open the tools → Pay off your mortgage faster… or should you?
An RESP is a registered account for a child's education, and the government adds a 20% grant (the CESG) on eligible contributions — up to $500 per year per child, to a lifetime maximum of $7,200. That's before any growth. Most families never fully claim it. The RESP tool shows what steady contributions plus grants could become by school age. Open the tools → Free money for school
The quiet danger of a raise is that lifestyle absorbs it before you ever meet it. If even part of each raise gets a job — invested monthly instead of spent — you save more without feeling a squeeze, because you never had that money in your lifestyle to begin with. The raise tool shows the difference over your timeline. Open the tools → Give your raise a job
Usually more than any fee, dip, or bad pick — because the years you don't start are the years compounding never gets back. The same monthly amount started five years later can end up a six-figure difference over a working lifetime. See your own number in the cost-of-waiting tool. Open the tools → The cost of waiting
A GIC is safe in one specific way: it protects your money from market swings, and that certainty has real value. The trade-offs are growth — its return may not keep pace with inflation — and, outside registered accounts, the interest is taxable. "Safe" and "free" aren't the same thing, and the right mix depends on your timeline and goals. That comparison is worth a real conversation. Book an introduction
Honestly? At many stages it's the right call — reinvesting in something you control, that you can see growing, is a real strategy. The catch is concentration: when the business is the plan, the income, AND the retirement, one event touches all three at once. That's not a reason to stop reinvesting; it's a reason to know your numbers. The stress-test tool shows what the business would need to be worth on the day you step away. Open the tools → Your business IS your retirement plan
Flip the question around: start with the monthly income you'd want, and work back to the sale proceeds that could sustainably pay it. That's a concrete number — and comparing it to what your business could realistically sell for (after costs and taxes) is the most honest retirement conversation an owner can have. The gap, if there is one, is exactly what planning is for. Open the tools → Your business IS your retirement plan
Add it to your home screen — it works like an app, and your inputs are saved on your device, so your picture is right where you left it. On an iPhone: open this page in Safari, tap Share (the square with the ↑), then Add to Home Screen. On Android: tap the ⋮ menu in Chrome, then Add to Home screen (or tap Install if it's offered). On a computer, a regular bookmark does the job. Back to the tools
No pitch, no products on the table, no cost. You walk through your numbers together — what you're earning, saving, protecting, and aiming for — and you leave with a clear one-page picture of where you stand. If something's worth doing, you'll see exactly why; if not, you'll know that too. Thirty minutes, your questions answered. Book an introduction
The tools are hypothetical illustrations for discussion, not advice, a quote, or a recommendation. Insurance pricing is determined by underwriting. Tax and registered-account details are simplified — your situation is personal.