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
Every tool a Canadian file needs. One engine behind them.
Probate that changes at every provincial border. A corporation sitting between your client and their retirement. A client report in English or French, with Québec terms and number formats done right. Quick reports and full plans run on the same engine, with Finn on every step.
30-minute demo, then a guided 14-day trial on one of your real client files
- Jurisdictions modelled
- 13
- Questionnaire, app, report
- EN/FR
- Owner-managers included
- Holdco
- Engine behind every number
- One
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. You approve every change.
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. Nothing changes the plan until you approve it.
- Every figure traces to the projection it came from
- Finn cites the numbers behind each recommendation
- Stored in Canada, and client data never trains AI models
On every step
The associate every planner wishes they could hire.
Finn keeps one thread per client: every document, question and decision in one place your team and compliance can review later. It proposes; you decide.
Meet Finn →01Gathers the file
Send the encrypted bilingual questionnaire. Finn reads the statements, T4s, CPP records, policies and T2 returns that come back, and maps every figure to the right field.
02Builds and checks the plan
Finn assembles the plan on the PlanBase engine, validates the inputs and flags gaps before a client ever sees a number. You apply each change.
03Answers live in the meeting
“What if we retire at 62? Defer CPP? Sell the cottage?” Finn answers from the plan with the figures behind it and drafts the scenario in Scenario Lab.
04Recommends across the whole file
Retirement, estate, insurance and corporate: CPP and OAS timing, withdrawal order, probate exposure, salary versus dividends. Each recommendation comes with its numbers.
05Drafts the client report
A short, client-ready report in English or French, from the same projection you planned on. Review, edit, send.
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
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, free migration help
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.”
Get started
See it on one of your own client files.
Book a 30-minute demo. Afterward we set up your 14-day free trial with you and walk through it on a real client file.