Estate & probate analysis
On the same $1.2M estate, probate is $0 in Manitoba, $17,250 in Ontario and $19,648 in Nova Scotia. Your client’s province is the one we model.
The platform
Depth measured in Canadian rules, not feature counts.
Probate that changes at every provincial border. A corporation sitting between your client and their retirement. A report that has to read as though it was written in French. PlanBase is built for the parts of a Canadian file that generic software rounds off.
See the tools13
Jurisdictions modelled
EN/FR
Questionnaire, app, report
Holdco
Owner-managers included
One
Engine behind every number
The tools
Depth where it matters. Coverage everywhere else.
The tools below carry the weight of a Canadian file: probate by province, corporate structure, benefit timing, portfolio evidence. Everything else your practice needs is here too.
CPP / QPP optimizer
For this household, starting at 70 instead of 65 moves lifetime benefit from $390,000 to $443,040, and Québec clients are modelled on the RRQ, not the CPP.
Corporate strategy
Holdco and opco, CDA, RDTOH and GRIP: the balances that decide whether a dollar leaves the company tax-free or at the top rate.
Capital gains
ACB tracking and partial dispositions, so the after-tax number is on the table before your client decides to sell.
Portfolio health check
ExclusiveOne score across risk alignment, diversification, cost and return adequacy. It makes the problem impossible to argue with.
Portfolio comparison
ExclusiveCurrent against recommended, side by side, in the language a client actually follows.
Also included
Retirement & income
Retirement projectionsOAS & clawback planningRRSP & RRIF planning
Registered accounts
TFSA planningFHSA planning
Tax & capital
Tax planning & income splittingWealth Maximiser
Protection, estate & business
Insurance needs analysisBusiness succession planning
Client experience & workflow
Encrypted client questionnairesScenario LabYear-by-year gridLive charts & projectionsBilingual client reportsImport & migration
Portfolio Health Check and Portfolio Comparison are exclusive PlanBase tools with integrated AI analysis, not available on any other platform.
Platform overview
Five modules that go
as deep as the file does.
The retirement file rarely stops at retirement. These modules follow it into the estate, the corporation, and the what-if the client raises halfway through the meeting.
Advanced Retirement Suite
Your client enters their data once. You never re-key a number.
13 jurisdictions modelledBilingual client reportsOne source of truth
CPP / QPP optimizerLive
Monthly benefit$1,300
Lifetime benefit to 90$390,000
Baseline: starting at 65
Sample client · $1,300/month at 65 · benefits totalled to age 90 · nominal dollars. CPP adjustment factors: −0.6%/month before 65, +0.7%/month after.
Retirement projections
Every income source, carried forward year by year, not a single retirement-age snapshot
OAS & clawback planning
Where the recovery threshold starts biting, and what melting the RRSP down first is worth
RRSP & RRIF planning
Conversion timing, spousal rollover, and the withdrawal order that keeps the tax bill down
Finn·Explains every recommendation and traces it back to the numbers behind it. Session-only, nothing stored.
The client moment
Walk your client through every year of their plan.
Not a summary page and a hope that they trust it. The actual year, the actual income, the actual balance. In the room, in their language.
| Year | Age | Employment | CPP | OAS | Registered draw | Total income | Registered |
|---|---|---|---|---|---|---|---|
| 2026 | 62 | $95,000 | – | – | – | $95,000 | $819,000 |
| 2027 | 63 | $95,000 | – | – | – | $95,000 | $859,950 |
| 2028 | 64 | $95,000 | – | – | – | $95,000 | $902,948 |
| 2029Retires · CPP + OAS begin | 65 | – | $15,600 | $8,800 | $60,600 | $85,000 | $887,495 |
| 2030 | 66 | – | $15,600 | $8,800 | $60,600 | $85,000 | $871,270 |
| 2031 | 67 | – | $15,600 | $8,800 | $60,600 | $85,000 | $854,234 |
| 2032 | 68 | – | $15,600 | $8,800 | $60,600 | $85,000 | $836,346 |
| 2033 | 69 | – | $15,600 | $8,800 | $60,600 | $85,000 | $817,563 |
| 2034 | 70 | – | $15,600 | $8,800 | $60,600 | $85,000 | $797,841 |
| 2035RRSP converts to RRIF | 71 | – | $15,600 | $8,800 | $60,600 | $85,000 | $777,133 |
| 2036First mandatory RRIF minimum | 72 | – | $15,600 | $8,800 | $60,600RRIF min $41,033 | $85,000 | $755,390 |
| 2037 | 73 | – | $15,600 | $8,800 | $60,600RRIF min $40,791 | $85,000 | $732,560 |
| 2038 | 74 | – | $15,600 | $8,800 | $60,600RRIF min $40,511 | $85,000 | $708,588 |
| 2039 | 75 | – | $15,600 | $8,800 | $60,600RRIF min $40,177 | $85,000 | $683,417 |
| 2040 | 76 | – | $15,600 | $8,800 | $60,600RRIF min $39,775 | $85,000 | $656,988 |
| 2041 | 77 | – | $15,600 | $8,800 | $60,600RRIF min $39,288 | $85,000 | $629,237 |
| 2042 | 78 | – | $15,600 | $8,800 | $60,600RRIF min $38,824 | $85,000 | $600,099 |
This is what your client sees: every year, not just the summary.
Sample household · registered balance grows at 5% · target retirement income $85,000 · nominal dollars
Auditable by design
One engine. One number. Everywhere.
The screen you plan on, the year-by-year grid you scroll in the meeting, and the PDF your client takes home all read from the same deterministic projection. There is no second calculation to disagree with the first.
Projection engine
Deterministic · same inputs, same output, every time
In the appWhat you plan on
Retirement income at 65
$85,000
Year-by-year gridWhat you scroll in the room
Retirement income at 65
$85,000
Client PDFWhat they take home
Retirement income at 65
$85,000
AI you can audit
Finn reasons over that plan’s data and nothing else. Every recommendation comes back with the figures behind it, so you can explain the reasoning to a client and defend it to compliance. Sessions are not stored.
- Every figure traces to the projection it came from
- Finn cites the numbers behind each recommendation
- Session-only: plan data is not retained after you close it
Meet Finn
AI that shows
its work.
Finn reviews the plan and comes back with the reasoning, and the figures the reasoning rests on. Surface a CPP strategy or a withdrawal sequence, then show a client exactly where the number came from and explain it to compliance without hedging.
01
Transparent reasoning
Every recommendation arrives with the figures behind it. Nothing is asserted that you cannot trace back to the projection it came from.
02
Grounded in one plan
Finn reasons over the plan in front of it and nothing else. Sessions are not stored, and your book is never training data.
03
CPP, OAS & tax insights
Deferral timing and withdrawal sequencing modelled against the plan, with the lifetime figure attached to each one.
Fi
Finn
AI Plan Analyst · PlanBase
Active
Ask Finn something…
Scenario Lab
Run any what-if. Live, in the room.
Stop preparing static PDFs the night before. Scenario Lab builds side-by-side comparisons in real time (CPP deferral, early retirement, inheritance, job loss) and updates the plan as the conversation moves.
- Unlimited side-by-side scenario comparisons
- Deferral, RRSP strategies, and early retirement all modelled live
- Clients watch their numbers change as you adjust assumptions
- Draft, apply, or save any adjustment as its own scenario
- Export the year-by-year grid to Excel for an accountant or a compliance file
Scenario LabLive
Plan A
Plan B
Retire at6265
Monthly income$4,200$5,100
Estate value$890K$1.24M
Monte Carlo71%94%
Plan B adds $350K to your client's estate
Wealth Maximiser
The drawdown order, decided across every account at once.
Withdrawal sequence, contribution priority, and the timing of taxable events, optimized together rather than one account at a time, with the lifetime difference stated in dollars.
- Withdrawal sequencing across RRSP, RRIF, TFSA, and non-registered
- Contribution priority decided year by year, not once
- CPP/QPP and OAS timing folded into the same optimization
- Tax bracket management and income smoothing across years
- The lifetime gain of the optimized strategy, quantified
Wealth MaximiserExclusive
Total lifetime optimization
+$187,400
vs. default withdrawal sequence
RRSP melt-down timing+$64,200
OAS deferral to age 70+$41,800
TFSA prioritization+$38,900
Tax-bracket smoothing+$42,500
Portfolio analysis
Turn portfolio analysis into a conversation a client can act on.
Portfolio Health Check scores any portfolio across risk alignment, diversification, cost efficiency, and return adequacy. Portfolio Comparison puts current against recommended. Two tools no other platform has.
- Portfolio Health Check: proprietary scoring across four dimensions
- Portfolio Comparison: current against recommended, side by side
- Clients see exactly what needs to change and why
- Generates client-ready report sections directly
- Builds the conversation that closes the recommendation
Client questionnaires
Clients submit their data. You review the plan.
Send a secure link and let clients complete their financial intake at their own pace, including uploading statements, insurance documents, and tax returns. Everything flows into their plan. No double entry, no chasing paper.
- 256-bit encrypted; client data never touches unsecured channels
- Clients upload statements and documents directly
- Data maps automatically into the planning modules
- Eliminates manual re-entry and the errors that come with it
- Available in English and French for bilingual practices
Client QuestionnaireSecure
ST
Sarah & Mark Thompson
Link sent · In progress
3 of 5 sections complete
Personal Information
Income & Employment
Assets & Investments
Insurance & Benefits
Goals & Timeline
Migration
Switching costs less than staying.
The reason most advisors stay on software they have outgrown is the thought of moving their book. Import clients via CSV from any platform, run both systems in parallel while you get comfortable, and keep your practice running throughout.
- Import clients from any platform via CSV export
- Automated field mapping, no manual reformatting
- Hundreds of clients in a single import
- Run both platforms in parallel during the transition
- Firm subscribers get dedicated migration support from our team
Import ClientsComplete
client_export.csv247 clients detected
Field mappingAutomated, no manual work
Data validation0 errors found
Import completeAll clients live in PlanBase
Why PlanBase
What changes when you switch.
Advisors who move to PlanBase consolidate several tools and save over $2,000/year in software costs, and stop reconciling numbers between them.
Before PlanBase
With PlanBase
Provincial accuracy
One formula applied across the whole country
Thirteen jurisdictions, each modelled on its own rules
French
A translated interface over English output
Questionnaire, app, and client report all written in fr-CA
Where the numbers agree
The report is generated separately from the screen you planned on
One engine behind the app, the year-by-year grid, and the PDF
AI guidance
Output with no reasoning shown and no figures to check
Finn cites the numbers behind every recommendation
Pricing model
Per-plan fees or dealer-tiered packages
Flat monthly rate, unlimited plans and scenarios
Switching
Months of parallel data entry before you can trust it
CSV import, both platforms in parallel, migrate in a day
Finn for estate & business
Finn works past
the retirement file.
Estate analysis, corporate strategy, and business succession all get the same treatment: a recommendation, and the figures it rests on.
01
Estate analysis
Probate exposure by province, beneficiary gaps, and equalization opportunities, each with the number attached.
02
Corporate strategy
Salary against dividends, retained earnings, and passive income thresholds reviewed for incorporated clients.
03
Business succession
Key person gaps, buy-sell structure, and estate freeze timing, read in the context of the whole plan.
Fi
Finn
AI Plan Analyst · Estate & Business
Active
Ask Finn something…
From advisors
Built on real feedback.
What Canadian advisors say after making the switch.
Consolidated 5 tools into one
“The portfolio comparison tool is a game changer. It saves me money on separate tooling and keeps everything in one place. The report generator is so clean and easy for clients to follow. 5 stars.”
Onboarded full book in 1 week
“WOW. This is exactly what our industry has needed. Everything in one place, built for Canada, actually bilingual. I don't know why this didn't exist sooner.”
Replaced 3-tool stack on day one
“I've tried every planning tool on the market. Nothing comes close for Canadian advisors. The depth of the retirement modules, the bilingual reports, Finn catching things I miss — it's the full package.”