Debt Repayment
Break free from interest and find the time it will take to becoming debt-free. Model complex debt repayment with interest-impact visualization for your liabilities.
Estate Planning
A digital bridge between your current financial state and your future legacy. Estate planning is often seen as a one time legal task, but true financial peace of mind comes from annual checkups.
Financial Education
Level up your money IQ. Build your financial vocabulary and start investing with more confidence. Daily investing tip notifications are sent to level up your financial literacy.
Income Tax Calculator
Stop guessing what you owe. Get a clear picture of your federal and provincial tax liabilities so you can optimize your withholdings and credits. Take advantage of deductions and exemptions and discover your monthly after-tax income.
Investment Fee Calculator
Think paying an advisor won’t make much difference to your returns? Use this calculator to estimate how these fees can affect your investments over time. Even a small difference in the fees that you pay for your account can have a significant impact on your account’s performance over time.
Investment Portfolio Builder
Investing shouldn’t feel overwhelming. Create, customize, and manage a diversified investment portfolio based on your time horizon and current market conditions. Simplify complex investment decisions with asset allocation recommendations paired with specific investments.
Investment Portfolio Rebalancer
Adjust your portfolio holdings and discover the percentage each asset class needs to be rebalanced. Keep your investments on track. This tool provides a clear plan to sell high and buy low to maintain your target mix.
Life Insurance Calculator
Protect those who depend on you and quantify life insurance needs. Have more peace of mind knowing your family is protected through life insurance to build a holistic plan.
Monte Carlo Simulations
Monte Carlo methods, also called the Monte Carlo experiments or Monte Carlo simulations, are a broad class of computational algorithms based on repeated random sampling for obtaining numerical results. The underlying concept is to use randomness to solve deterministic problems.
Monthly Budget Planner
Take control of your cash flow. See if you’re overspending and find ways to put that extra money to work. Discover your monthly surplus and itemize your income, expenses, liabilities and savings with charts.
Mortgage Payment Calculator
Run the numbers before you sign. Discover the monthly mortgage payment and if purchasing a house is a better long term investment than continuing to rent.
Net Worth Calculator
Stop guessing your financial progress! Get a birds-eye view of your entire financial life. Plan for the next generation, organize your finances and calculate your net worth.
Property Growth Calculator
If you sold your property today, what would your annual return actually be? Real estate investors often focus on price appreciation, but the true return on a property is what you keep after costs.
Risk Tolerance
Discover historical performance and your target asset allocation. Asset allocation gradually shifts becoming more conservative as you get older while continually following the market.
Savings Goal Calculator
Visualize your wins. Whether it’s a house down payment or an emergency fund, set milestones and track your progress toward the things that matter.
Stock Focus List
Stay ahead of the market with a deep dive into individual equities. This paid feature helps you discover Canadian and American stocks based on factor investing principles. Over 3500 stocks are being reviewed to a focused list and a Stock Rebalancer is included. Investigate deeper stock insights of investment style, industry and ESG breakdowns.
Estate Planning
An estate plan develops short and long-term financial strategies for minimizing estate taxes and facilitates a smooth transition of wealth. It helps ensure your wishes are followed after your death, including what happens to your money, property and personal items and who will manage your estate. Figure out the desired distribution of your estate, and implement strategies to realize your intentions and minimize probate.
Financial Planning
Properly financial planning your future can feel overwhelming, but you don’t have to do it alone. A financial plan is about more than just saving and investing. It’s a roadmap that helps you navigate your financial goals toward a vision of your future. Understanding all of the elements that go into your plan will help you stay on track toward financial freedom.
Investment Management
Comprehensive investment management involves overseeing an investment portfolio to meet your specific objectives. Build a strong financial future through a comprehensive range of unbiased exchange-traded funds (ETFs). This includes crafting investment strategies, planning for taxes, and managing asset allocation.
Retirement Planning
Insightful retirement planning guides you on how to save effectively and the effects of inflation on your savings. Creating a retirement plan begins with determining your long-term financial goals and then starting to take action to reach those goals. The process can begin anytime during your working years, but the earlier you design a retirement income, the better.
Tax Planning
Effective tax planning involves employing strategies like choosing the right investment accounts and making well-timed withdrawals to lower your tax burden. The aim is to reduce the tax impact of your investments, income, and other financial activities. Solutions to increase your cash flow and will help you to achieve your financial goals.
Wealth Management
Strategic wealth management is designed to support every aspect of your life. These complex holistic plans synergize your family, your business, and your financial future. Get personalized advice to help you live your best life, no matter where you are on your journey. Leave a legacy that reflects who you are and what matters most.