Most planning tools are slow and hard to explain. Wealth Path builds a client's whole plan in minutes, with clear visuals and a client-ready PDF in one click, and highlights the value of your advice.Most planning software is slow, cluttered, and hard to explain in a meeting. Wealth Path is the opposite: build a client's whole plan in minutes, show them visuals they finally understand, export a client-ready PDF in one click, and highlight the value of your advice.
Grows to $4.01M at retirement, then spends down, funded to 90.
No copying, no re-keying, no blank page. The moment a client's Snapshot is filled in, their income, assets, and goals port straight into Wealth Path, and a complete first draft of the plan is ready in seconds. You spend the meeting shaping the future together, not typing in the present.
Registered withdrawals, non-registered gains, tax-free TFSA money, CPP, and OAS each land differently at tax time. Wealth Path draws from the right accounts in the right order, models tax across the whole plan, and shows the gross income and the after-tax income side by side, so the retirement paycheque a client sees is the one they can spend.
Registered draws, non-registered gains, tax-free TFSA money, and CPP and OAS each carry their own tax treatment. Wealth Path models tax on the whole plan, so the number a client actually keeps is the one on screen.
One smooth projection assumes the market behaves. It never does. Wealth Path runs the plan through thousands of possible markets and hands back the honest picture, not a pass-or-fail grade to panic over:
In about 8 of 10 futures, Sarah and Michael fund every year of the plan and leave about $1.38M.
Thousands of futures answer how solid the plan is on average. A stress test answers the specific fear a client actually voices: what if this happens to me? Pick a scenario and watch the plan re-run against it. A crash the day they retire is the textbook case of sequence of returns risk, where a bad market landing right as withdrawals begin does damage a good average return never undoes, and Wealth Path shows exactly how the plan absorbs it, with the guaranteed CPP and OAS floor still paying underneath.
Scenario
A crash right at retirement
A sharp market drop across the first two years of retirement, the worst possible timing for a portfolio to take a hit. This is sequence of returns risk: the same average return can succeed or fail depending on when the bad years land.
Every dollar of spending trades against confidence, and Wealth Path draws the whole trade-off as a single curve. Slide the spending and watch the odds move, with a comfortable band marked so you can tell a client, to the dollar, the range they can spend and still sleep at night. The abstract probability becomes a concrete answer they can act on.
At $200,000 a year, about 8 in 10 futures fund every year. Above comfortable.
When a plan comes up short, Wealth Path does not just flag the problem. It ranks the exact moves that close the gap, work a little longer, save a bit more, spend a little less, or start CPP later, and shows how much confidence each one buys. A shortfall becomes a short list of choices, sitting on a CPP and OAS floor that keeps paying for life. The client can see the numbers behind every option, and that is what makes the advice easy to trust.
A floor that always holds
No matter what markets do, about $48K a year keeps coming from CPP and OAS, indexed for life. A shortfall is a small spending trim on top of that, never running out.
Work one more year helps the most. It raises the odds from 79% to 94%.
Each move is the smallest change that lifts the odds. Try one, or stack a few, and watch the plan move from a small tweak away to on track.
When to start CPP and OAS is one of the highest-value calls in the plan, and the interactions are brutal to work out by hand. Wealth Path scores every start-age combination and lays them out as a heatmap, with a star on the mix that leaves the most after tax. What used to be a spreadsheet afternoon becomes a number you can point to, and defend, on the spot.
The best mix is CPP at 68 and OAS at 66. That is about $20K more, after tax, than your plan's age 65.
| 65 | 66 | 67 | 68 | 69 | 70 | |
|---|---|---|---|---|---|---|
| 60 | ||||||
| 61 | ||||||
| 62 | ||||||
| 63 | ||||||
| 64 | ||||||
| 65 | ||||||
| 66 | ||||||
| 67 | ||||||
| 68 | ★ | |||||
| 69 | ||||||
| 70 |
Drag the retirement age and the entire projection redraws in front of you: the accumulation years, the spend-down, and whether the money still lasts to ninety. What used to be a follow-up email and another afternoon of modelling becomes a moment in the meeting. Try it on the Hendersons' plan, and watch it flip from funded to a shortfall as you push retirement earlier.
Fast enough to keep up with the conversation, honest enough to show the rough futures and name the fix, and grounded in the same client record as everything else you do. This is retirement planning that finally feels like the rest of your practice.