A made-up couple. Every name and number is invented.
See a finished plan. Every page of it.
Greg and Linda are not real. Their plan comes from a full run of our planning software and the same document generator a real plan uses, never typed by hand. Their paycheque by source, which account to draw first, the month-by-month Money Moves, and what the plan is worth. Open any of it.
Open the PDFFour short documents
Every plan opens with a Start Here page and four documents, about twenty minutes to read, together if you can. The Reference folder is there for when a question comes up.
- 1Your Plan3 pages
The answer first, their goals in their own words, why the money lasts, and the next five moves with dates.
- 2Your Money Moves3 pages
Which account, which month, how much. The paycheque by source, the page to hand to their advisor, and what changes each year.
- 3Your Questions, Answered3 pages
Every question they asked, in their words, with a short answer. When to take CPP, why draw the RRSPs early, what if markets drop.
- 4What This Plan Found2 pages
Each move and what it is worth, biggest first, in today's dollars, compared with carrying on as they were.
The page you actually use
Your Money Moves is a checklist. Which account, which month, how much. What to set up before the plan starts, what lands in your chequing every two weeks and where each dollar comes from, the once-a-year moves, and what changes when CPP and OAS start.
If you have an advisor, page two is the one you hand them.
Open Your Money Moves
Open the PDFEverything in the folder
The four documents, Start Here, and the Reference folder. This is what every plan client gets, built around their own numbers. Click any cover to open it.
11 · Your Plan
3 pagesThe answer first, their goals in their own words, why the money lasts, and the next five moves with dates.
Open the PDF
22 · Your Money Moves
3 pagesWhich account, which month, how much. The paycheque by source, the page to hand to their advisor, and what changes each year.
Open the PDF
33 · Your Questions, Answered
3 pagesEvery question they asked, in their words, with a short answer. When to take CPP, why draw the RRSPs early, what if markets drop.
Open the PDF
44 · What This Plan Found
2 pagesEach move and what it is worth, biggest first, in today's dollars, compared with carrying on as they were.
Open the PDF
Start Here
1 pageThe cover letter for the folder. What each document is and the order to read it, about twenty minutes in all.
Open the PDF
Your Choices
2 pagesFour ways retirement could go, side by side: doing nothing, the plan, spending more, and a 30 percent market drop the year Greg stops.
Open the PDF
Retirement Handbook
9 pagesThe how-to manual. The paycheque month by month for three years, the dates to circle, and what to do if one of them dies first.
Open the PDF
Technical Report
5 pagesThe numbers behind the plan, for anyone who checks: every assumption, the four paths and the year-by-year tables.
Open the PDFYear-by-Year Projections
ExcelA spreadsheet of the plan. Every account, every year, down to the dollar.
Download the workbookGreg and Linda are a made-up couple. Every name, age, balance and quote is invented, to show what a Glacier Financial plan looks like. Their plan is not a recommendation for you; yours is built from your own situation.
How you get it
Delivered to your own private, secure folder
When your plan is ready, it goes straight into a secure folder that is yours. No portal to learn, no password to chase, no busywork. Just your plan, somewhere safe, whenever you want it.
It is your folder
Your plan lands in a private, secure folder that belongs to you. Nobody else can see what is inside it.
Nothing to log into
There is no app to download and no account to manage. You open your plan the same way you open any file you own.
Yours to keep
Every document we build for you stays in that folder. When we update your plan, the latest version is right there waiting.
The whole picture
Returns are the tip of the iceberg
About 10% of how this ends is your returns. The 90% that decides whether your money lasts sits below the waterline. That is the part I build.
Below the waterline
- 1
Tax — Every account drawn in the right order
- 2
Estate — It lands where you want, not at the CRA
- 3
Protection — Income and family covered
- 4
Behavior — No panic-selling at the bottom
- 5
Decline — Someone watching late in life
- 6
Life events — An inheritance, a sale, a crisis
A fit call maps your whole iceberg — not just the question that brought you here.
Questions About Your Plan
No. Greg and Linda are a made-up couple. Every name, age, balance and quote is invented, and a band at the top of every page says so. The numbers are not typed in by hand, though: they come from a full run of our planning software and the same document generator a real plan uses, so every page adds up the way a real one does. Your plan is built entirely around your own situation.
A made-up Ontario couple, 60 and 58. Greg stops work at the end of 2026 and has a small work pension. Between them they have about $1.1 million in RRSPs, TFSAs and two investment accounts, and they want to spend $7,500 a month after tax. Their big questions: when to take CPP and OAS, which account to draw from first, and how to avoid a large tax bill at the end.
Four short documents and a Start Here page, about twenty minutes to read. Your Plan gives the answer first, then why the money lasts and the next moves with dates. Your Money Moves shows which account pays you, in which month, and how much. Your Questions, Answered puts every question you asked in writing. What This Plan Found lists each move and what it is worth. Behind them sits a Reference folder with the four paths side by side, a handbook, a technical report and a spreadsheet.
That is one of the first questions your plan answers. In this sample, Greg waits until 70 for both, and Linda takes OAS at 67 and CPP at 70, because that worked out best after tax for them. For another couple the answer can be the opposite. It depends on your other income, your health, your tax picture and how long your money needs to last.
Your finished plan is delivered into your own private, secure folder. It is yours. There is no portal to learn, no app to download, and no account to manage. When we update it, the latest version is right there waiting, and the newest file always wins.
A fit call. It is a relaxed conversation about where you stand, what you are trying to do, and whether a plan would help. There is no pressure and no obligation. You leave with a clearer read on your retirement either way.
See What Your Plan Would Say
Book a fit call. We talk through where you stand, what your retirement could look like, and whether a plan would help. No pressure, no obligation, and you leave with a clearer read either way.
Not ready to book? Take the 2-minute retirement quiz →
Or call me at 519-281-2735 or text 226-242-3640.