# RazorPlan > Financial plans your clients will understand > Generated by All in One SEO Pro v5.0.3, this is an llms-full.txt file, used by LLMs to index the site. ## Posts ### [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) **Published:** February 25, 2026 **Author:** Silvia Boccuzzi **Excerpt:** As more Canadian business owners prepare to sell, a lack of formal succession and post-sale planning is creating significant advice opportunities in the market. **Content:** ![Logo Wealth Professional](https://razorplan.com/wp-content/uploads/2026/01/logo-white_wealth-professional.svg) ***As more Canadian business owners prepare to sell, a lack of formal succession and post-sale planning is creating one of the most significant advice opportunities in the market*** Just 9% of Canadian business owners have a formal succession plan, according to research from the Canadian Federation of Independent Business (CFIB), even as a majority move steadily toward exit. The same data shows that 41% expect to sell within five years and another 20% within the following decade. For advisors, the implication is clear: a significant volume of private business wealth will change hands in the coming years, often without the structured planning required to preserve and transfer that capital efficiently. Canada is home to more than 1.4 million small businesses, representing a substantial and often underdeveloped client segment for advisors with the expertise to serve them. With increasing demand for specialized investment, tax and insurance advice, business owners present a meaningful long-term planning opportunity. Despite this, many owners will approach their succession plan alone and often with less confidence than they would if they worked with a financial professional. CFIB’s research shows that business owners are 91% more confident in their succession plan when they have worked with a financial advisor. For financial planners that have business owner clients who are close to selling their business or have recently sold their business, these clients are prime candidates for discussing planning opportunities. For a successful business owner, succession planning doesn’t stop when the business has been transitioned to the new business owners. Often the proceeds of a business succession are still in a corporate entity for tax purposes, typically a holding company of the owner/manager. ### Turning corporate proceeds into intergenerational wealth This arrangement leads to potential estate planning opportunities that financial planners should be discussing with their business owner clients when helping with preparing the succession plan. By having discussions about the succession plan and what happens after that plan is carried out, planners may be able to save their clients millions of dollars in taxes. For example, consider a 65-year-old successful business owner who sells their business for $4 million and now they have the proceeds invested in their holding company’s investment account earning 5%. With no estate planning this client has the potential to have a total tax liability, both personal and corporate, of about $2.9 million today. Leaving their heirs with only 25.5% of the assets once all the tax bills are taken care of. With proactive planning led by a financial advisor, the outcome can shift significantly. Strategies such as share redemptions, loss carrybacks and the use of insurance to fund future tax liabilities can meaningfully reduce the eventual tax burden. In this scenario, total taxes at death could fall to roughly $1.9 million, increasing the portion of wealth transferred to heirs to approximately 59% after tax. A detailed breakdown of this scenario is available on the RazorPlan blog, which explores how planning software can illustrate the impact of death and taxation on shareholder wealth. Planning tools and modelling software can help advisors illustrate these outcomes clearly, enabling more informed decision-making and reinforcing the advisor’s role in long-term wealth stewardship. Succession planning for a business owner who is looking to transition into their retirement years is important but is not the end of the planning need for this client segment. Incorporating a thorough estate plan within the succession plan will have significant benefits for both the business owner and the planners they are working with. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning --- ### [Improve Client Investment Planning with RazorPlan's New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) **Published:** July 21, 2026 **Author:** Silvia Boccuzzi **Excerpt:** With the latest RazorPlan release, we've introduced a new Entry Type option across all investment data entry areas including corporate investments. **Content:** At RazorPlan, product enhancements are driven by the customers who use the platform every day. In a recent RazorPlan product survey, users told us that they wanted a better way to capture clients’ multiple investment accounts within a financial plan. We listened. With the latest RazorPlan release, we’ve introduced a new **Entry Type** option across all investment data entry areas including corporate investments, making it easier to reflect a client’s complete investment picture while keeping data entry simple and efficient. Advisors can now enter RRSPs/RRIFs, LIRAs, TFSAs, and Non-registered holdings, and group multiple accounts together before entering the value into the data entry fields. ### How it works The Entry Type feature provides two options, Grouped Assets or Individual Assets. The default setting for this new field is **Grouped Assets** which means users can enter the total holdings in the Value fields provided on the screen. For advisors who prefer the existing workflow, this familiar data entry method remains unchanged, providing a quick and efficient way to enter the total holdings of an investment type. ![Selecting the Individual Assets option unlocks a more detailed way to capture investment information.](https://razorplan.com/wp-content/uploads/2026/07/Individual-Assets-Option.png) Selecting the **Individual Assets** option unlocks a more detailed way to capture investment information. When this option is selected, the corresponding Edit button enables, and the Value fields below lock indicating that the detailed data can be entered. To enter each account detail, you can click on the Edit button to display the individual assets screen. Any values entered in the grouped assets fields will be displayed in the details screen to maintain data integrity. ![Value fields below lock indicating that the detailed data can be entered. To enter each account detail, you can click on the Edit button to display the individual assets screen.](https://razorplan.com/wp-content/uploads/2026/07/Editing-Individual-Assets-Values.png) In the details screen (see above), data can be added to the following fields: - **Institution:** Enter the name of the institution where the investments are held. This text field accepts alpha-numeric characters so enter a description that easily identifies the investment. - **Account:** Enter the account name or number of the individual asset. This field accepts alpha-numeric characters and can be used to specify the account information of the individual assets. - **Value:** Enter the dollar value of holdings in the account that matches the as of date entered in the Value As of field. Entries in the Value field need to be a number, all values will be added up and displayed on the main data entry screen. - **Spousal Value** (*RRSP/RRIF only*): Enter the dollar value of any spousal holdings in the account. When entering individual assets, the value can only be entered in either the Personal or Spousal values fields, if an amount is entered in both fields, an error message will appear. - **Value as of**: Enter a date that corresponds to the amount entered in the Value field. This date can be from any point in the year of the plan and RazorPlan will make the necessary adjustments to include the balance in the January 1st calculations. - **Deposits / Withdrawals to Value as of Date**: If the value entered includes any deposits or withdrawals that occurred prior to the date, enter the total amount of deposits or withdrawals that have been made up to the date entered. Withdrawals are entered as negative values to indicate they are withdrawals. Both the *Value as of* and the *Deposits / Withdrawals to Value as of Date* features will factor into the calculation of the investment projections. RazorPlan performs annual calculations so it will always use a January 1st start date. If a value and deposits / withdrawals are entered with a date other than January 1st, the program will adjust the value to make it a January 1st value so that it can be used seamlessly in the projection calculations. Once all the details of an individual investment have been entered and you click the Close button, the total of all values entered will be displayed in the Value field of the data entry tab, greyed out. This total will then be used in the projections and will grow using the rates of returns entered in the Settings \| Plan Assumptions area of the program. To complement the enhanced data entry experience, selecting **Individual Assets** also makes a dedicated **Investment Accounts** page available in the generated report. This provides advisors with an easy way to give clients a clear, itemized view of their investment holdings. This page of the report will display all the data entered for each individual account, organized by investment type (i.e RRSPs, TFSAs, etc.) This page will also display the January 1st value that the calculations are using for the forward-looking projections. ![To complement the enhanced data entry experience, selecting Individual Assets also makes a dedicated Investment Accounts page available in the generated report.](https://razorplan.com/wp-content/uploads/2026/07/Investment-Accounts-1.png) In response to customer feedback, we developed this enhancement to give advisors greater flexibility in documenting individual investment accounts while keeping the planning process intuitive. It also helps create more informative client reports and facilitates meaningful conversations about how each investment contributes to a client’s overall financial plan. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning --- ### [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) **Published:** February 18, 2026 **Author:** Silvia Boccuzzi **Excerpt:** When a shareholder passes away, the financial and tax implications for their estate can be substantial. Using RazorPlan Advanced, advisors can identify solutions. **Content:** When a shareholder passes away, the financial and tax implications for their estate can be substantial. From the deemed disposition of company shares to the distribution of capital assets, heirs can face significant taxation – sometimes even double taxation – if careful planning isn’t in place. But with the right strategies, advisors can minimize the tax burden and ensure more of a client’s hard-earned wealth passes to their beneficiaries. Using RazorPlan Advanced, advisors can model complex tax scenarios, evaluate outcomes and identify solutions such as corporately owned life insurance to maximize the value transferred to heirs. Let’s take a closer look at a real-world situation: ### Planning for the Seresins Jake Seresin retired this year after selling his business for $4M. He invested the proceeds in his holding company in a balanced portfolio, which now earns a steady 5% per year. Jake and his wife, Maddie, each own 50% of the company with a nominal paid up capital (“PUC”) and adjusted cost base (“ACB”). In addition, the Seresins have $250,000 each in their RRSP accounts. In retirement they plan on spending $15,000 per month on their lifestyle drawing from both corporate and personal assets as shown below: ![](https://razorplan.com/wp-content/uploads/2026/02/PM_1-scaled.webp) With their retirement lifestyle planned for, the next question becomes critical: how will their estate be affected if no tax planning is done? And more importantly, how can post-mortem planning strategies make a meaningful difference? ### No Planning: The High Cost of Inaction When no planning is done, at the death of the shareholders their shares are deemed to be sold at Fair Market Value (FMV) and their estate is deemed to have acquired them at a cost equal to the FMV. If the estate then decides to liquidate these assets so that it can settle the estate by way of a dividend, the assets will be subjected to double taxation. There will be taxes on the capital gain created from the deemed disposition and dividend tax when the assets are distributed. For the Seresins, assuming both shareholders passed away today the tax consequences would be the following: ![](https://razorplan.com/wp-content/uploads/2026/02/PM_2-scaled.webp) The impact is striking. If the Seresins faced this scenario, they would only pass $1,019,940 of their $4 million business proceeds onto their heirs – less than a third of what was initially available. ### Share Redemption and Loss Carryback: Turning Taxes into an Advantage A common post-mortem planning strategy is the share redemption and loss carryback option. Under this strategy, the company redeems the shares of the shareholders after their death which in turn triggers a tax loss that can be used on the deceased’s final tax return. The capital loss that is triggered by the share redemption reduces the personal taxes payable at death and increases the amount the heirs will receive. ![](https://razorplan.com/wp-content/uploads/2026/02/PM_3-scaled.webp) Planning to use a share redemption and loss carryback will save the Seresins over $1 million dollars in taxes immediately increasing the value passed on to their heirs. Using the corporate post-mortem report provided in RazorPlan allows advisors to outline the tax events that occur and compare the first two options against each other. This report shows the benefits of implementing a loss carryback strategy: ![](https://razorplan.com/wp-content/uploads/2026/02/PM_4-scaled.webp) For Jake and Maddie, implementing a share redemption with a loss carryback today at age 65 already shows a significant impact, and the potential grows even further when combined with life insurance. ### Enhancing the Plan with Life Insurance Adding an insurance policy to the loss carryback strategy might seem like a small step today but the growth in the cash value of the policy along with the preferential tax treatment of the insurance death benefit will result in a significant impact long term. Assume we add a joint last to die permanent insurance policy that is funded from the corporate investment account to the Seresin’s plan. If we look at their plan when Jake reaches age 90, we see the benefits of the insurance: ![](https://razorplan.com/wp-content/uploads/2026/02/PM_5-scaled.webp) By incorporating life insurance into the loss carryback strategy, the clients can increase the amount of their assets that are transferred to their heirs after taxes. Using the Focus Planning report in RazorPlan that is for Estate Planning, shows the difference in the estate value and estate taxes between the two scenarios. We see that the clients will have higher estate value and pay less taxes under the scenario that uses a loss carryback with insurance (purple line in the charts below) when compared to the double taxation situation: ![](https://razorplan.com/wp-content/uploads/2026/02/PM_6-scaled.webp) ![](https://razorplan.com/wp-content/uploads/2026/02/PM_7-scaled.webp) Using RazorPlan’s corporate planning features and post mortem reports, we can show this couple that they can maintain their retirement goals and reduce the potential tax liability that their estate will face from their business assets. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning --- ### [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) **Published:** February 17, 2026 **Author:** lorenzo noventa **Excerpt:** Preparing a decumulation plan on how assets are going to be used in retirement is an added value that financial advisors should be offering clients. **Content:** ![Mike Howe, portrait](/wp-content/uploads/2025/08/mike-howe.webp) [Mike Howe, CFP](https://www.linkedin.com/in/mike-w-howe/) Customer Success Manager at RazorPlan, ObjectwayA Certified Financial Planner that has been working with other financial planners to grow their business and deliver financial plans to their clients. As a veteran of the financial planning software industry, Mike can provide a wealth of knowledge about building financial plans and identifying opportunities. Clients within 10 years of their desired retirement age or in their first 10 years of retirement, are commonly referred to as being in the retirement risk zone. Clients in the retirement risk zone have many questions, including: - Which of my assets should I use when funding my retirement? - When should I apply for the Canada Pension Plan? - When should I apply for Old Age Security? - How can I minimize my taxes? - How can I maximize my retirement income? Answering these questions can be overwhelming for clients and requires proper planning. Preparing a decumulation plan on how assets are going to be used in retirement is an added value that financial advisors should be offering clients. However, many advisors approach this type of planning using simple rules of thumb and conventional logic of drawing down one asset class at a time. When planning the decumulation of assets in retirement, advisors need to understand what their clients truly want in their retirement years and their estate goals. Typically, clients are interested in one of the following goals: - Maximize their after-tax estate value and pay the least amount of taxes. - Maintain, and in some cases grow, their investments to support future discretionary lifestyle expenses. - Reduce the risk of outliving their capital while maintaining their planned retirement lifestyle. Often these goals do not work in harmony, and many decisions made early in retirement can impact the client’s ability to achieve their long-term goals. In some situations, a withdrawal plan that maintains their investments and provides a higher net worth at life expectancy may not create the most after-tax estate value compared to an alternative strategy. To make the process of planning the drawdown of assets in retirement easier, we created RazorPlan with Decumulation; a bias-free optimization tool providing recommendations on how clients can reduce the risk of outliving their money while achieving their after-tax estate goals. ![Decumulation UI - Overview](https://razorplan.com/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) RazorPlan with Decumulation lets an advisor select which of the above goals their client wants to achieve and then analyzes the optimal way of withdrawing from investment accounts, including their: - Registered investments (RRSPs / RRIFs), - Non-registered investments and, - Tax Free Savings Accounts (TFSAs). In addition to determining the optimal withdrawal strategy between investment assets, RazorPlan with Decumulation also analyzes the starting ages for both Canada Pension Plan (CPP) and Old Age Security (OAS). By looking at all aspects of the clients’ financial plan, RazorPlan with Decumulation is able to determine how much of an improvement can be made by using the optimal decumulation strategy to help clients meet their goals. By automatically comparing multiple asset drawdown scenarios and tracking net worth and estate value for every year in the planning period, this tool can chart the trade offs of each strategy. RazorPlan with Decumulation then identifies the difference in either net worth or estate values when the optimal strategy is compared to the least optimal strategy, identifying if any wealth is at risk in their decumulation years. In addition to identifying the wealth at risk, RazorPlan with Decumulation easily shows your clients that each drawdown strategy has pros and cons when considering retirement options. You can show that proper planning today may lead to them being able to spend more in retirement or even retire earlier. Alternatively, the system also looks at their required retirement ages, rates of return, and retirement capital under the different strategies to show impact of proper decumulation planning. ![Decumulation UI - Retirement Options](https://razorplan.com/wp-content/uploads/2023/03/Decumulation_Blog_Retirement_Options-1030x597-1.png) As your clients approach retirement, providing a decumulation plan becomes increasingly more important. RazorPlan with Decumulation helps you answer your clients many questions about this phase of life and makes it easy for the clients to see the value of having a proper plan. **See RazorPlan with Decumulation in Action** Below is a video from the webinar announcing the launch of RazorPlan with Decumulation, presented by RazorPlan founder Dave Faulkner. **See How it Works – Free 30-Day Trial** [Click here to sign up for a free 30-day trial](https://dec.razorplan.com/?isShowRegister=True&isInsurance=True&plan_id=1&plan_id=1&plan_id=1) of RazorPlan with Decumulation and see firsthand how it will help you get the most value for your client’s retirement. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Cash flow, Financial Planning, Investments, Retirement, RRSP --- ### [Report Customization: Your Brand. Your Reports. Perfectly Aligned!](https://razorplan.com/new-feature-report-customization/) **Published:** January 29, 2026 **Author:** lorenzo noventa **Excerpt:** By design all RazorPlan reports are very graphical, In the latest version of the program key graphics in the report can now be edited to better suit your needs. In addition to the report logo, which was already customizable, the ability to change two graphic areas of RazorPlan reports has been added. **Content:** ![Mike Howe, portrait](/wp-content/uploads/2025/08/mike-howe.webp) [Mike Howe, CFP](https://www.linkedin.com/in/mike-w-howe/) Customer Success Manager at RazorPlan, ObjectwayA Certified Financial Planner that has been working with other financial planners to grow their business and deliver financial plans to their clients. As a veteran of the financial planning software industry, Mike can provide a wealth of knowledge about building financial plans and identifying opportunities. **RazorPlan reports are designed to be as visual and flexible as you need them to be. You can easily customize the report logo, swap out the cover page image, and even adjust the bullet icons on each page, giving your reports a look that’s truly your own.** ![report - example of cover](https://razorplan.com/wp-content/uploads/2019/05/report-cover-2026.webp) ![report - example of inner page](https://razorplan.com/wp-content/uploads/2019/05/report-innerpage-2026.webp) These images can be changed in the program, by clicking the button in the upper right-hand corner. In this section there is a Report Setting tab which provides controls for the RazorPlan report. On this tab there are three image areas that can be customized: Report Logo, Report Cover and Report Bullet. ![report settings - how to change the logo](https://razorplan.com/wp-content/uploads/2019/05/report-settings-2026.webp) To add an image to any of these three areas simply click on the button and then use window explorer to find the file that will be used in the selected area. Once the image on your system is selected, click the open button (or double-click on the desired image) to upload the image. RazorPlan will display the image below the section it is uploaded to indicating that the logo, cover and/or bullet is using an image that is different from the RazorPlan default images. Clicking the button next to the image will remove the image from either the report logo, cover or bullet area. Images can be uploaded and removed as many times as necessary. For best results, image files that are uploaded should be JPG or PNG file format. The uploaded files should have the following specifications: - Report Cover – 1127 pixels by 496 pixels and no bigger than 2 MBs - Report Bullet – 163 pixels by 86 pixels and less than 2 MBs ![Fixed Asset UI - Real estate : Recreational property](https://razorplan.com/wp-content/uploads/2025/05/Fixed-Asset-Downsize675PX-1.png) Once an image is uploaded, all reports created from that point forward display the uploaded images. With this ability to add powerful imagery to the report being easier than ever before, there are some resources that can be helpful in finding images. Below is a list of free stock image websites that could be useful when customizing the RazorPlan report: - <https://unsplash.com/> - <https://www.pexels.com/> - <https://pixabay.com/> These features are available in RazorPlan, if there are any questions about using these report customization features please do not hesitate to contact support at 866 675 7055 or <support@razorplan.com>. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning --- ### [Why time, not talent, is now advisors' biggest planning challenge](https://razorplan.com/why-time-not-talent-is-now-advisors-biggest-planning-challenge/) **Published:** January 21, 2026 **Author:** Silvia Boccuzzi **Excerpt:** In our recent survey, we noticed a few comments that identified areas of RazorPlan some subscribers are not getting the most out of. We identified 4 lesser known features and tips that we think will help all users of RazorPlan. **Content:** ![Logo Wealth Professional](https://razorplan.com/wp-content/uploads/2026/01/logo-white_wealth-professional.svg) ***With meeting prep consuming up to 20 percent of an advisor’s week, integrated platforms and automation tools are redefining how planning gets done*** Financial planning is shifting in noticeable but steady ways. Advisors are meeting clients who arrive with broader questions, more overlapping priorities, and a stronger expectation of clarity. Boomers want support as they enter decumulation, millennials are balancing mortgages, childcare and long-term savings, and many investors who once felt outside the industry’s core audience now expect regular planning support. A conversation with Objectway’s Geoff Parslow, Head of Sales and Business Development, and Mike Howe, Customer Success Manager, helped clarify what this shift looks like. Their observations point to a planning model that is becoming broader, more practical and more closely connected to the technology advisors rely on every day. ### A wider planning audience and a clearer sense of what clients need The demographic backdrop is hard to ignore. Howe notes that advisors are now dealing with two large client groups whose needs overlap more than ever. Boomers are thinking about sustainable withdrawals and income longevity, while younger households are trying to keep up with competing priorities. As he puts it, planners today must address “budgeting, borrowing, saving, investing, everything like that,” often in a single meeting. At the same time, many households with moderate assets have historically been underserved because traditional planning required extensive preparation time. Parslow points out that clients with assets “between $250,000 and $750,000 are likely get left behind the financial planning curve,” not because their needs were simple, but because advisors lacked the capacity to build full plans for them. New tools are shifting that boundary. Advisors no longer need to produce long, complex reports to provide meaningful support. Howe emphasizes that clients engage best with information that is “simple, easy to understand,” even when the underlying calculations are sophisticated. This clarity helps clients understand their position and what actions matter, without being overwhelmed by detail. Planning also plays a stabilizing role in volatile markets. When portfolios are down, clients naturally focus on the short term. Howe notes that having an up-to-date plan in front of them reduces anxiety because they can see how the long-term path holds together even through market dips. It gives advisors an anchor for the conversation, and clients a stronger sense of direction. ### Technology becomes the backbone of the client experience The role of technology in this shift is difficult to separate from the planning conversation. Parslow has seen how deeply an advisor’s tech stack affects both productivity and client trust. As he puts it, many systems in the past were built around the wrong assumptions. “Everyone was building client portals and mobile apps,” he says, “but very few solutions were built around advisors’ real business challenges.” Those challenges typically surface not in client-facing tools, but in the day-to-day friction of running a practice. That friction adds up quickly. Parslow notes that one of the biggest constraints advisors face is time: meeting preparation alone can absorb nearly 20 percent of a 45-hour workweek. Traditional planning requires gathering data, entering it manually, recalculating projections and rerunning reports before every meeting. As he explains, most advisors do the plan once, then tuck it away until the next major update, simply because the process is too repetitive to maintain. This is where integration becomes essential. Howe points to financial planning software as an example of how technology can reduce this burden. When it is integrated directly into the client book of record and potentially the investment book as well, the plan updates automatically each day as new data flows in. Advisors are no longer rebuilding reports or refreshing projections manually. Instead, they enter client meetings with up-to-date numbers already in place. Parslow sees even more potential as systems become better connected. In an ideal setup, onboarding, KYC, planning tools and portfolio management would operate within an integrated environment. A change in one area would automatically trigger updates in the others, turning every client interaction into an opportunity to reinforce or adjust the plan. After decades working with advisors, Parslow observes that the practices that function best are those where planning is continuously supported by the technology behind it, not rebuilt piece by piece. ### A practical future that is already taking shape Client experience is shaped by these choices too. Because the digital environment is often the main place clients engage with their advisor, if tools are intuitive and easy to navigate, they lift both client satisfaction and advisor confidence. If they are clunky, the friction is felt on both sides. One of the clearest needs heading into 2026 is seamless integration. Advisors are using more technology than ever, but most of it sits in separate corners of the workflow. Tools record meetings. Others store planning data. Others hold investment notes or compliance reminders. The pieces rarely speak to one another. Even tools that capture rich context, such as AI note-taking apps, “often end up stranded,” Parslow says — disconnected from the rest of the client’s profile. Until these tools feed into a single environment, advisors will continue stitching together information that should already be unified. Both Parslow and Howe see planning in 2026 moving toward something steadier and more usable. Simpler workflows. Rather than reinventing planning, the industry is finding ways to make it more straightforward and more widely accessible. That kind of practical improvement often proves the most durable. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning --- ### [Financial Planning at Scale: Meeting Rising Client Expectations](https://razorplan.com/financial-planning-at-scale-meeting-rising-client-expectations/) **Published:** December 22, 2025 **Author:** lorenzo noventa **Excerpt:** In our recent survey, we noticed a few comments that identified areas of RazorPlan some subscribers are not getting the most out of. We identified 4 lesser known features and tips that we think will help all users of RazorPlan. **Content:** ![Mike Logashov, portrait](/wp-content/uploads/2025/11/mike-logashov.webp) [Mike Logashov](https://www.linkedin.com/in/logashov/) Product Manager – CFP, CLUMike Logashov is the Product Manager for Financial Planning at Objectway Solutions Inc. (formerly Nest Wealth Solutions Inc.), where he leads the design and development of financial planning tools for wealth professionals. With over a decade of experience spanning client advisory and product management, Mike combines deep planning expertise with a focus on building technology that makes advice more intuitive and impactful. He is a Certified Financial Planner (CFP) and Chartered Life Underwriter (CLU). *As client expectations shift to total wealth management, advisors must scale comprehensive planning with technology to serve more clients profitably.* ### Financial Planning at Scale: Meeting Rising Client Expectations One of the best parts of my job is being at the intersection of two industries: financial services and technology. In financial planning, one obvious theme has been its deepening, or increase in complexity. What gets slightly less airtime is the direction: planning is also broadening, reaching more people with higher expectations. That combination is straining the way many advisory practices are set. Financial planning has been getting more complex, in part due to advisors’ increasing focus on the **high net worth community**. According to an [IG Wealth Management survey](https://www.ig.ca/en/media-room/media-releases/ig-wealth-management-canadian-advisor-perception-industry-study#:~:text=Technology%20tops%20list%20of%20advisor,advisors%20looking%20for%20greater%20support), 52% of advisors identify HNW clients as a significant area of growth. Many HNW clients have wealth tied to business ownership, which is closely associated with higher net worth and **greater financial complexity**. As a result, serving these clients well requires deep domain expertise in corporate, estate, business succession, and insurance planning. This is a demanding skillset, and delivering high quality plans for this demographic is time consuming, detail heavy work. At the same time, **financial planning is also broadening**. Across the board, clients’ expectations are shifting to “**total wealth management**”. A [McKinsey & Company](https://www.mckinsey.com/industries/financial-services/our-insights/on-the-cusp-of-change-north-american-wealth-management-in-2030) report suggests that over this decade advisors are gradually moving beyond investment management toward a more integrated life and wealth coaching role covering investments, banking, protection, taxes, estate, and financial wellbeing. This is corroborated by data showing a [59% increase in client preference for a single primary advisor since 2018](https://financialpost.com/sponsored/investing-sponsored/why-canadian-investment-advisors-must-adapt-in-2025). This breadth is not a HNW phenomenon. A recent KPMG study notes that mass affluent clients with $100k+ are also seeking the same level of service as HNW, and are demanding **personalized, high-level plans** that include more than just a portfolio. In other words, the need for **comprehensive financial planning** exists across the broader market, yet much of the industry’s planning capacity remains concentrated on a relatively small number of HNW clients. ### Bridging the Execution Gap with Scalable Solutions The heart of the problem is the ability of existing advisors to serve the broader market. Research from [Advisor.ca](https://www.advisor.ca/industry-news/industry/too-few-canadians-have-or-understand-in-depth-financial-plans-study/) showed that although 61% of Canadians reported having a financial plan, most plans were heavily focused exclusively on investments. This points to a persistent execution gap that many advisors seem to continue struggling with today. While some advisors may view this increase in demand as scope creep, the reality is that client expectations have increasingly shifted toward planning, whether advisors actively embrace it or not. Solving this challenge is a **matter of scale**. Is the capacity to do good financial planning limited to a few HNW clients, or are there capabilities to offer scalable advice to more Canadians? Technology can help financial advisors meet the needs of a changing market, provide meaningful value by **improving client outcomes**, and **grow their businesses**. By **removing friction** from antiquated processes and **reducing cognitive loads** per plan, advisors can serve more clients faster. In practical terms, this means focusing on high impact areas such as cash flow projections, retirement income optimization, risk management analysis, and stress testing, without getting lost in analysis paralysis for every plan. Tools should not replace expertise and experience but augment it by delivering a repeatable process consistently. ### Financial Planning as the Core of Advisory Services The reality is that advisors who do not prioritize financial planning are already working against the current. As planning becomes both broader and deeper, advisors must decide how they want to respond. The tools they choose matter, but the bigger shift is conceptual: financial planning is no longer a secondary activity layered on to an advisory practice. It is increasingly the core of the advisory experience. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning --- ### [Razor Leads: Client Acquisition Tool](https://razorplan.com/razorleads/) **Published:** April 30, 2025 **Author:** lorenzo noventa **Excerpt:** Razor Leads is a feature of the RazorPlan program that can be used to touch base with existing clients and introduce the planning process to prospective clients. **Content:** ![Mike Howe, portrait](/wp-content/uploads/2025/08/mike-howe.webp) [Mike Howe, CFP](https://www.linkedin.com/in/mike-w-howe/) Customer Success Manager at RazorPlan, ObjectwayA Certified Financial Planner that has been working with other financial planners to grow their business and deliver financial plans to their clients. As a veteran of the financial planning software industry, Mike can provide a wealth of knowledge about building financial plans and identifying opportunities. **Razor Leads is a feature of the RazorPlan program that can be used to touch base with existing clients and introduce the planning process to prospective clients. This feature is available for all RazorPlan users and when activated a custom Razor Leads landing page is created. The video below outlines what Razor Leads is and how to activate this feature in RazorPlan.** ![RazorLeads - Activate](https://razorplan.com/wp-content/uploads/2020/04/RazorLeads-Activate-1.png) Used properly the Razor Leads landing page can become a significant part of your client acquisition process. As outlined in our Prospecting with Razor Leads series, a three part blog previously published on RazorPlan.com: - [Prospecting with Razor Leads: Part 1](https://razorplan.com/prospecting-redinest-part-1/) - [Prospecting with Razor Leads: Part 2](https://razorplan.com/prospecting-redinest-part-2/) - [Prospecting with Razor Leads: Part 3](https://razorplan.com/prospecting-redinest-part-3/) The rest of this article focuses on how to use Razor Leads and gives valuable tips on how to get your Razor Leads landing page in front of both clients and prospects. **Setting Up Razor Leads** Once Razor Leads is activated, an advisor profile needs to be set up. The Advisor Profile window is where advisors upload an image and write a biography that is displayed on the Razor Leads landing page. A personalized link to this landing page is then provided and can be sent to both clients and prospects. ![RazorLeads - Setup](https://razorplan.com/wp-content/uploads/2020/04/RazorLeads-Setup-1-1.png) **The Client Experience** The Razor Leads landing page is client facing and walks the client through providing information about their life stage, ages, incomes and current assets. The client will then be shown their potential retirement income and can produce a personalized retirement income report based on the information they entered. The last step for the clients is to share their data entered on the landing page with you. ![RazorLeads - Client](https://razorplan.com/wp-content/uploads/2020/04/RazorLeads-Client-1.png) **Accepting a Lead in RazorPlan** The goal of using Razor Leads is to get clients to share some of their financial information with you, once that data is shared you can begin the planning process. The following video outlines the best practices to take the data from Razor Leads to create a financial plan. ![RazorLeads to RazorPlan](https://razorplan.com/wp-content/uploads/2020/04/RazorLeads-RazorPlan-1-1.png) **Using Razor Leads with Existing Clients** Sending the Razor Leads landing page to your existing clients can be a great way to touch base with them virtually and strengthen your relationships. By sending an email with the link to your landing page, your client activity will increase and you may uncover information the client previously had not told you about. ![RazorLeads - Prospective Clients](https://razorplan.com/wp-content/uploads/2020/04/RazorLeads-Prospective-Clients-1.png) **Using Razor Leads with Prospective Clients** Getting the Razor Leads landing page in front of prospective clients should be part of your larger client acquisition process. Adding the Razor Leads links to articles you post, or share on various social media programs is a great way to drive prospective clients to your landing page. Anywhere you market your services online is a great place to include the option for people to calculate their retirement income using your Razor Leads link. The video below outlines an example of adding the Razor Leads link to a LinkedIn article. ![RazorLeads - Prospective Clients](https://razorplan.com/wp-content/uploads/2020/04/RazorLeads-Prospective-Clients-1.png) **Additional Resources** When using Razor Leads it is good to have access to a few additional resources that can help when posting to social media or when creating emails. When posting to social media images are a vital part of every post, studies show that posts with an image are more likely to be engaged than simple text posts. When adding images you want to use royalty free images or purchase the rights to use the image. Here is a list of free stock image websites that could be useful when adding images to your posts: - <https://unsplash.com/> - <https://www.pexels.com/> - <https://pixabay.com/> The Razor Leads landing page can be a powerful tool in your client acquisition and servicing processes. By using the tools and tips provided here with your acquisition process you will see growth in your business. If you need help or have any questions about the Razor Leads area of RazorPlan please contact our support team. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning --- ### [Top 4 Things to Look For When Evaluating Financial Planning Software](https://razorplan.com/top-4-things-to-look-for-when-evaluating-financial-planning-software/) **Published:** July 10, 2025 **Author:** lorenzo noventa **Excerpt:** The wealth management industry is undergoing a massive transformation. Clients’ expectations are rapidly changing and there is a growing demand for goal based advice and comprehensive financial plans. Given this shift, it’s no surprise that 78.74% of advisors are using financial planning programs to bring added value and efficiency to their practice (Technology Tools for Today). Financial planning software is no longer a ‘nice-to-have’ for firms and advisors, it’s now table stakes. **Content:** ![Mike Howe, portrait](/wp-content/uploads/2025/08/mike-howe.webp) [Mike Howe, CFP](https://www.linkedin.com/in/mike-w-howe/) Customer Success Manager at RazorPlan, ObjectwayA Certified Financial Planner that has been working with other financial planners to grow their business and deliver financial plans to their clients. As a veteran of the financial planning software industry, Mike can provide a wealth of knowledge about building financial plans and identifying opportunities. **The wealth management industry is undergoing a massive transformation. Clients’ expectations are rapidly changing and there is a growing demand for goal based advice and comprehensive financial plans. Given this shift, it’s no surprise that [ 78.74% of advisors are using financial planning programs](https://t3technologyhub.com/t3-and-inside-information-reveal-results-of-2021-advisor-software-survey/) to bring added value and efficiency to their practice (Technology Tools for Today). Financial planning software is no longer a ‘nice-to-have’ for firms and advisors, it’s now table stakes.** However, there are so many solutions available, and trying to determine which one is best for you and your clients can be overwhelming. When evaluating financial planning software, there are four key things you should be looking for: **1. Drives better client engagement** Not all financial planning software is created equally. You need to find financial software that will help you create better experiences for your clients, so you can strengthen your relationships and continue to retain them. To increase client engagement, you need a very client-friendly solution that is interactive and creates comprehensive and easy to digest reports and summaries. In short, your solution should help you generate plans that are easy to share with your clients and display the information in a way that’s easy to comprehend. **2. Scales your business efficiently** One of the key benefits of financial planning software is that it can quickly complete tedious calculations and helps you determine the best solutions to help your client reach their financial goals. You need financial planning software that uses advanced algorithms to transform the long and tedious calculation process into a straightforward, automated procedure. That way, you can spend more time having meaningful discussions, and let the software analyze your client’s situation to identify any gaps or shortfalls in coverage that should be discussed further. **3. Addresses all your client’s insurance needs in one financial plan** Helping clients protect loved ones and ensuring that their plans for retirement are not at risk due to unexpected health problems is becoming an important part of what financial advisors and planners do for their clients. Look for software that gives you proven risk management methodology and addresses all of your client’s insurance needs, including: - Life insurance for family security, wealth creation and estate planning; - Disability insurance for income replacement and retirement preservation; - Critical Illness insurance for lifestyle protection; - Long-Term Care insurance for retirement and estate preservation. **4. Helps you find new clients** Finding new clients can be difficult and very time consuming. This is why it is important to use financial planning software that provides you with the tools needed to maximize lead generation. Some financial planning software includes lead generation tools that help you locate existing and prospective clients. It is important to use one that gives your clients a personalized experience through the use of questionnaires and landing pages. Questionnaires will help you get a better understanding of the clients’ financial situation. Based on their insurance coverage needs you can then find the best financial solution to ensure they are equipped with proper support. **Takeaways** When selecting a financial planning software, remember to choose one that will help you better serve the needs of your clients. Financial planning software is vital to the growth of your business as it allows you to better retain clients, scale your business efficiently and improve client relationships, create new streams of revenue for clients and generate more meaningful leads. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning --- ### [Get More Out of RazorPlan - 4 Tips](https://razorplan.com/get-more-tips/) **Published:** May 23, 2025 **Author:** lorenzo noventa **Excerpt:** In our recent survey, we noticed a few comments that identified areas of RazorPlan some subscribers are not getting the most out of. We identified 4 lesser known features and tips that we think will help all users of RazorPlan. **Content:** ![Mike Howe, portrait](/wp-content/uploads/2025/08/mike-howe.webp) [Mike Howe, CFP](https://www.linkedin.com/in/mike-w-howe/) Customer Success Manager at RazorPlan, ObjectwayA Certified Financial Planner that has been working with other financial planners to grow their business and deliver financial plans to their clients. As a veteran of the financial planning software industry, Mike can provide a wealth of knowledge about building financial plans and identifying opportunities. **In our recent survey, we noticed a few comments that identified areas of RazorPlan some subscribers are not getting the most out of. We identified 4 lesser known features and tips that we think will help all users of RazorPlan.** **Cash Flow Manager** – Many of you mentioned wanting to have the ability to direct surplus cash flow to pay down debt or save to the client’s investment accounts so that the excess cash flow is part of the retirement plan. This process can be accomplished when you use the Cash Flow Manager available in RazorPlan Advanced. To learn more about this feature check out the RazorPlan Advanced Features video below or the following blog article on cash flow planning in RazorPlan Advanced. **Corporate Dividend (in Retirement)** – The Data Drill Down provided in the Corporate Investments area has both Deposits and Withdrawals tabs. These tabs can be used to flow cash flow through the investment account to the shareholders. By entering corresponding deposit and withdrawal entries you can show a company paying a dividend to the shareholders without impacting the corporate investment account balance. This method is an effective way of showing a business owner who still receives dividends from the company in their retirement years. ![Corporate Assets UI - Investments and securities](https://razorplan.com/wp-content/uploads/2025/05/Corporate-Dividends-1.png) **Fixed Assets Downsize** – In the past there was a $2M limit on the amount that could be entered into the Closing Costs, Estimated Tax and Other Deductions fields in the Downsize drill down screens for Real Estate (personal and corporate) and Goodwill. Based on your feedback these limits have been increased to $10M. ![Fixed Asset UI - Real estate : Recreational property](https://razorplan.com/wp-content/uploads/2025/05/Fixed-Asset-Downsize675PX-1.png) **File Management** – When opening your client files, using the Filter and Sort features built into the Search Client File window will make the file opening process easier and more efficient. The Filter feature can be used to find specific client files based on a text filter, to use this feature click on the button provided next to File Name (see video below). To sort your client files by any of the headers in this window, simply click on the column heading once to sort A-Z. Clicking the heading a second time will sort Z-A, while a third click will clear the sort. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning, Insurance --- ### [Savings and Retirement Projections](https://razorplan.com/savings-and-retirement-projections/) **Published:** September 14, 2016 **Author:** lorenzo noventa **Excerpt:** A new user recently told me a story about how he used RazorPlan during a recent appointment to win a new client. Here's the story... **Content:** ![RazoPlan Team, avatar](/wp-content/uploads/2025/11/razorplan-team.webp) [RazorPlan Team](https://www.linkedin.com/company/razor-logic-systems/posts/) Marketing & ContentSince day one, the RazorPlan team has been dedicated to building technology that empowers advisors to spend less time building plans and more time building trust, ultimately delivering greater value to the clients they serve. ### *Keep it Simple… but not too Simple!* Recently, I had a discussion with a new RazorPlan user. He told me in the six weeks since he started using RazorPlan, he had seen a significant increase in client engagement and a major improvement in case size and closing ratio when meeting with new prospects. My first instinct was to point out the benefits of keeping things simple when discussing financial recommendations with prospects and clients. He agreed, but pointed out that some advisors can take simple too far. To illustrate his point, he told me a story about a recent appointment he had with a new prospect to discuss their savings and retirement plans. Here’s the true story, told from the perspective of you, the advisor. (The names of the clients are made up to protect their privacy.) ![roger-and-bea](https://razorplan.com/wp-content/uploads/2016/09/roger-and-bea.png) ### Meet Roger and Bea You were referred to Roger and Bea by their son Cecil who is a client of yours. A few months ago when reviewing Cecil’s life and critical illness insurance, you learned that his parents had recently retired and that they were dealing with a local investment firm to prepare a “retirement plan”. Over the summer months, you attempted to arrange a meeting with Roger and Bea, but they were always busy enjoying the summer weather. You remained in contact by sharing various articles on savings and retirement strategies. At the end of August, you contacted them to arrange a meeting after Labor Day to which they agreed, even though they did not feel there was anything you could help them with. After all, their current investment advisor had already prepared a retirement plan for them. You met them at a local coffee shop the following week during which you discovered their situation was not very complex. Both Roger and Bea were 65 and drawing CPP and OAS. Roger had $500,000 in a balanced RRSP and Bea had a fully indexed defined benefit pension plan paying $2,800/month. They showed you the retirement plan that their current advisor had prepared for them, a simple RRIF projection at 6.5% return. This so-called “retirement plan” suggested that the Roger and Bea could withdraw $2,500/month after-tax indexed at 2.5% inflation for 20 years, assuming a marginal tax rate of 30.5%. After explaining that this was not a retirement plan, you pointed out to Roger and Bea that a RRIF projection, although adequate for running “what-if” withdrawal scenarios, was too simple to be used to plan retirement income. A retirement plan needed to consider proper tax rates, greater longevity and incorporate other assets and income sources. It should also provide a clear explanation of the options available, so that Roger and Bea could make informed decisions about the lifestyle they envision and how their assets would be distributed by their estate. ![razorplan-cake](https://razorplan.com/wp-content/uploads/2016/09/razorplan-cake.png) ### A retirement plan should be simple, but not too simple Using your iPad in the coffee shop, you entered Roger and Bea’s financial information into RazorPlan and calculated their maximum after-tax retirement income to be $7,000/month, assuming a moderate growth portfolio earning 5% and a life expectancy to age 90. You then reviewed the charts screens on your iPad with Roger and Bea, so they could see the Cash Flow, Financial Assets, Income Tax, Risk Management and Retirement Options. This allowed you to demonstrate the value you provide to your clients and to answer any questions they had regarding your process and compensation model. The entire meeting ran about 30 minutes. Recognizing the value of your advice over what they are currently receiving, Roger and Bea met you at your office the next day to sign an engagement letter and the forms to transfer the RRIF from their now ex-advisor. *Tell us your RazorPlan success story. Or start creating one with our **30-day free trial**.* [Start My Free Trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True) ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning, Investments, Retirement **Tags:** financial planning, retirement planning --- ### [RRSP Calculator](https://razorplan.com/rrsp-calculator/) **Published:** February 14, 2018 **Author:** lorenzo noventa **Excerpt:** RazorPlan's RRSP calculator estimates the future value of an RRSP investment given various assumptions. **Content:** ![Mike Howe, portrait](/wp-content/uploads/2025/08/mike-howe.webp) [Mike Howe, CFP](https://www.linkedin.com/in/mike-w-howe/) Customer Success Manager at RazorPlan, ObjectwayA Certified Financial Planner that has been working with other financial planners to grow their business and deliver financial plans to their clients. As a veteran of the financial planning software industry, Mike can provide a wealth of knowledge about building financial plans and identifying opportunities. RazorPlan’s RRSP calculator estimates the future value of an RRSP investment given various assumptions. Advisors can use the RRSP calculator to compare 2 scenarios and see the impact changes in saving and return assumptions may have on their clients’ RRSPs. This calculator is great for comparing different RRSP scenarios and strategies, including the power of contributing early to an RRSP. For example, assume a client that is 30 years old is trying to determine the impact of delaying investing into their RRSP for 3 years. This client could invest $500 monthly and wants to know the impact of waiting until age 33 to start making the deposits. Assume the $500 is deposited monthly at the start of each month and the portfolio generates a 6.00% rate of return. The RRSP calculator shows the client they will accumulate $497,729 by their planned retirement age of 60 if they start depositing the $500 monthly at age 30. If they wait to start the deposit until age 33 the RRSP account will accumulate $400,300 which is $97,429 less than if they started depositing at age 30. Using this calculator an advisor can show that to have the same account balance at retirement the client would need to increase the planned deposits of $500 if they wait until age 33 to start depositing. In this case the client would have to save $622 a month to make their RRSP account balance essentially equivalent to their balance if they save $500 per month starting at age 30. Using this calculator allows an advisor to build multiple scenarios and help the clients make the best decision for their situation. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Investments, Retirement, RRSP --- ### [RRSP Loan](https://razorplan.com/rrsp-loan/) **Published:** February 14, 2018 **Author:** lorenzo noventa **Excerpt:** With more and more Canadians building up unused RRSP contribution room, one strategy that can be used to eliminate this contribution room is an RRSP Loan. **Content:** ![Mike Howe, portrait](/wp-content/uploads/2025/08/mike-howe.webp) [Mike Howe, CFP](https://www.linkedin.com/in/mike-w-howe/) Customer Success Manager at RazorPlan, ObjectwayA Certified Financial Planner that has been working with other financial planners to grow their business and deliver financial plans to their clients. As a veteran of the financial planning software industry, Mike can provide a wealth of knowledge about building financial plans and identifying opportunities. With more and more Canadians building up unused RRSP contribution room, one strategy that can be used to eliminate this contribution room is an RRSP Loan. RazorPlan’s RRSP Loan calculator lets advisors compare borrowing to invest a lump-sum into an RRSP today versus making regular monthly contributions to an RRSP. To see the power of this calculator, take a 38-year-old client that has $50,000 of unused RRSP contribution room available. The calculator assumes that the tax refund created by the $50,000 deposit is used to reduce the RRSP loan. If this client has a marginal tax rate of 32% then the net loan is $34,000. If that loan has interest of 4.25% and a 5-year term, then the client would have to pay $630.01 monthly. Assuming the RRSP is earning a 6% rate of return, the client will have $241,117 by retirement at age 65. In comparison, if that payment is grossed up by the 32% tax rate it becomes a $926.49 deposit to an RRSP which at the same 6% grows to $231,988 by age 65. The RRSP loan strategy creates a larger RRSP account balance at retirement. This client will always have a larger RRSP account balance by using the RRSP loan strategy as long as the rate on the loan is less than 5.84%. The RRSP Loan calculator is an effective tool for demonstrating the benefits of borrowing to catch up on unused RRSP contribution room. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Investments, Retirement, RRSP --- ### [TFSA vs. RRSP](https://razorplan.com/tfsa-vs-rrsp/) **Published:** February 14, 2018 **Author:** lorenzo noventa **Excerpt:** The TFSA vs. RRSP calculator is designed to compare investing in the 2 most popular tax-assisted investment available to Canadians. **Content:** ![Mike Howe, portrait](/wp-content/uploads/2025/08/mike-howe.webp) [Mike Howe, CFP](https://www.linkedin.com/in/mike-w-howe/) Customer Success Manager at RazorPlan, ObjectwayA Certified Financial Planner that has been working with other financial planners to grow their business and deliver financial plans to their clients. As a veteran of the financial planning software industry, Mike can provide a wealth of knowledge about building financial plans and identifying opportunities. The TFSA vs. RRSP calculator is designed to compare investing in the 2 most popular tax-assisted investment available to Canadians. Focusing on the potential “After-Tax Retirement Income” from each strategy, advisors can help their clients identify where they should invest. The Tax Free Savings Account (TFSA) is an investment account that has tax free growth. In addition, withdrawals from the account are made tax free. Alternatively, deposits to an RRSP account provide a tax deduction, grow tax deferred, and generate taxable income when withdrawals are made. Since both TFSAs and RRSPs grow tax deferred and an RRSP provides a tax deduction it can be hard to figure out which investment type is best to use when saving for retirement. Using the TFSA vs. RRSP calculator, advisors can determine what is the best course of action. Let’s look at an example for a client that is 43 and plans to retire at age 65. The following details were used to perform this TFSA vs. RRSP analysis: | Current Age: | 43 | |---|---| | Planned Retirement Age: | 65 | | \# of Years Income Needed: | 25 | | Rate of Return: | 6.00% | | Annual Contribution: | $5,500 | | Tax Rate: Contribution Years | 36% | | Tax Rate: Income Years | 26% | Based on this information, the calculator determines that the TFSA will get an annual contribution of $5,500 while the equivalent RRSP deposit will be $8,593.75. The RRSP deposit is larger because the $5,500 is after-tax. Deposits to RRSPs generate a tax deduction which means the $5,500 needs to be grossed-up by the tax rate in the contribution years. This larger deposit will result in the RRSP having an account balance of $395,277 at retirement compared to the $252,977 in the TFSA account. However, since the withdrawals from each account are treated differently for tax purposes, the calculator also determines how much after-tax income can be generated. Withdrawals from the TFSA are not taxable so the $252,977 will generate $19,790 of after-tax income, while the RRSP balance will create $22,882 of after-tax income. For this client they would benefit by contributing to their RRSP over their TFSA. The key to this analysis is the tax rates pre and post retirement. As a rule of thumb, if the tax rate is higher in the pre-retirement years than post-retirement, the contribution should be made to the RRSP account. If the tax rate in post-retirement years is higher than the pre-retirement tax rate, then the contribution should be made to the TFSA. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Investments, Retirement, RRSP --- ### [RRSP vs. Mortgage](https://razorplan.com/rrsp-vs-mortgage/) **Published:** February 14, 2018 **Author:** lorenzo noventa **Excerpt:** RazorPlan's RRSP vs. Mortgage calculator lets advisors compare investing a lump-sum in an RRSP today versus paying down a mortgage and investing future mortgage savings into an RRSP. **Content:** ![Mike Howe, portrait](/wp-content/uploads/2025/08/mike-howe.webp) [Mike Howe, CFP](https://www.linkedin.com/in/mike-w-howe/) Customer Success Manager at RazorPlan, ObjectwayA Certified Financial Planner that has been working with other financial planners to grow their business and deliver financial plans to their clients. As a veteran of the financial planning software industry, Mike can provide a wealth of knowledge about building financial plans and identifying opportunities. RazorPlan’s RRSP vs. Mortgage calculator lets advisors compare investing a lump-sum in an RRSP today versus paying down a mortgage and investing future mortgage savings into an RRSP. The calculator outlines which strategy produces the larger RRSP balance at retirement and may warrant further consideration. Let’s look at an example of how this calculator works by helping a client with the decision on whether to invest $20,000 into their RRSP or pay down their mortgage. The details needed to perform this analysis are the following: | Current Age: | 40 | |---|---| | Planned Retirement Age: | 65 | | Marginal Tax Rate: | 36% | | RRSP Contribution: | $20,000 | | RRSP Rate of Return: | 6.00% | | Mortgage Balance Owning: | $300,000 | | Mortgage Interest Rate: | 3.95% | | Mortgage Monthly Payment: | $2,000 | Based on this information, the RRSP vs. Mortgage calculator determines that the $20,000 RRSP contribution is equivalent to a $12,800 lump sum mortgage payment. This lump sum payment results in $24,620 of mortgage savings and reduces the amortization by 1.02 years. If the client decides to pay down the mortgage and then invest the mortgage payments into an RRSP they will accumulate $62,325 in the RRSP by the planned retirement age. In comparison if the $20,000 is invested directly into the RRSP first and then when the mortgage is paid off the $2,000 monthly payments are added to the RRSP the client will accumulate $85,837. By depositing the $20,000 into the RRSP first, this client’s RRSP at retirement is $23,513 higher compared to depositing the after-tax equivalent to the mortgage first. Advisors should use this calculator when they want to determine the best course of action for their clients who are considering if they should pay down their mortgage or make a deposit to their RRSP. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Investments, Retirement, RRSP --- ### [RRIF Calculator](https://razorplan.com/rrif-calculator/) **Published:** February 14, 2018 **Author:** lorenzo noventa **Excerpt:** RazorPlan's RRIF calculator estimates the future withdrawals from an RRIF based upon the prescribed minimums. Advisors can also use the RRIF calculator to estimate how long a client can withdraw a set amount from a RRIF before running out of money. **Content:** ![Mike Howe, portrait](/wp-content/uploads/2025/08/mike-howe.webp) [Mike Howe, CFP](https://www.linkedin.com/in/mike-w-howe/) Customer Success Manager at RazorPlan, ObjectwayA Certified Financial Planner that has been working with other financial planners to grow their business and deliver financial plans to their clients. As a veteran of the financial planning software industry, Mike can provide a wealth of knowledge about building financial plans and identifying opportunities. RazorPlan’s RRIF calculator estimates the future withdrawals from a RRIF based upon the prescribed minimums. Advisors can also use the RRIF calculator to estimate how long a client can withdraw a set amount from a RRIF before running out of money. Use this calculator to give clients an idea of their RRIF minimum schedule by entering their current RRIF balance, expected rate of return and current age. The calculator automatically calculates the RRIF minimum based on the client’s age and displays a breakdown of the withdrawals and account balance for 30 years. In addition to showing the RRIF minimum, an advisor can use this calculator to determine how long a planned withdrawal amount can be made from a RRIF account. For example, if a client that is 68 years old and has $500,000 in their RRIF account wanted to know how long they could withdraw $25,000 from their account; this calculator can be used. If the assumption is that the portfolio is earning a 5% rate of return and the withdrawals are going to be indexed at 3% for inflation, the calculator would show that withdrawals can be made until age 92 before the account is depleted. For the simple and quick RRIF calculations needed to be made on a regular basis this calculator is a very powerful tool for advisors. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Investments, Retirement, RRSP --- ### [When Should you Engage a Financial Planner?](https://razorplan.com/engage-financial-planner/) **Published:** March 29, 2018 **Author:** lorenzo noventa **Excerpt:** There are many circumstances where the value provided by a professional financial planner outweighs the potential savings of technology. For six situations you should consider, read the full article at davefaulkner.ca. **Content:** ![RazoPlan Team, avatar](/wp-content/uploads/2025/11/razorplan-team.webp) [RazorPlan Team](https://www.linkedin.com/company/razor-logic-systems/posts/) Marketing & ContentSince day one, the RazorPlan team has been dedicated to building technology that empowers advisors to spend less time building plans and more time building trust, ultimately delivering greater value to the clients they serve. With the rise of online investment and tax software, it is becoming easier to simply make an RRSP contribution in February and then file your tax return in April to get the refund. RRSP contributions and tax refunds are just a part of your overall financial situation – doing these basics as efficiently as possible won’t guarantee you success. When it comes to financial planning advice there are many situations where the savings offered by technology cannot replace the value provided by a financial professional. Most of us will find ourselves in at least one of these positions at some point. ![Financial Seasons, money related](https://razorplan.com/wp-content/uploads/2018/03/financial-seasons.webp) **Canadians love to label certain money related deadlines as seasons.** Each new year kicks off with RRSP season, followed by tax season in March and April. The problem with ‘seasons’ is that unless you plan for them well in advance, when the seasonal storms hit it will be too late to do anything to improve your situation. This is true with weather and personal finance. So, to help you get a jump on your personal finances, we could suggest May and June be called Financial Planning season. With the rise of online investment and tax software, it is becoming easier to simply make an RRSP contribution in February and then file your tax return in April to get the refund. RRSP contributions and tax refunds are just a part of your overall financial situation – doing these basics as efficiently as possible won’t guarantee you success. When it comes to financial planning advice there are many situations where the savings offered by technology cannot replace the value provided by a financial professional. **Here are 6 situations where you should consider engaging the services of a professional financial planner:** ### You have a lot of debt Having a lot of debt usually means that you must service that debt. Making monthly payments to credit cards and lines of credit mean that you may not be able to save for your future. A financial planner can help you prepare a cash flow plan to get you out of debt, saving you thousands in lost interest payments that you can use to invest in your future. ### You own a company Investing as an individual and investing as a corporation are similar in many ways. With both you need to create a risk profile and select investments, but the added complexity introduced in recent Federal budgets has created several problems relating to investment income. In these situations, it is important to work with a financial planner to ensure your investments are managed properly. ### You had a change in your family situation Managing your risk exposure to an unexpected financial loss due to death, disability, and health issues requires careful planning. Getting married, divorced, or having a child are all major life events that can impact your financial situation. A financial planner can formulate a plan that prioritizes your needs, protects your family, and ensures all your financial goals are achieved when major life events occur. ### You have US citizen connections Income taxes impact all areas of your finances, but if you are a US citizen or related to a US citizen by way of birth or marriage, there are many tax obligations you will need to address. A financial planner can help to identify the issues and guide you though the many steps to ensure you and your estate are not burdened by unnecessary taxes and fees. ### You are nearing retirement Retirement planning is so much more than asset allocation and risk tolerance. The strategies you used to grow your retirement nest egg will not be as effective once you transition from saving to spending. A financial planner will provide advice and guidance on the best strategies to maximize after-tax income while preserving the wealth you have created. ### You are part of a blended family When you or your spouse have children from a previous marriage, there are several legal aspects related to obligations or entitlements that will impact your estate. A financial planner can help you clarify your objectives, develop strategies, and prepare an estate plan that distributes your assets according to your wishes. ### Advice and Retirement Income studies There are a lot of financial technologies that claim to offer the same level of services as those provided by financial professionals, but at a fraction of the cost. The future value of this cost difference is used to highlight how much you will lose to fees over your lifetime, but cost should only be a consideration in the absence of value. Many Advice and Retirement Income studies profiled an average married couple and compared investing with a low cost robo-advisor to engaging a professional to prepare a financial plan. What some studies concluded was the value added by hiring a financial planner amounted to about $1,000,000 in additional after-tax income in retirement. For people who are both knowledgeable about, and engaged in managing their finances, online tools may be a good choice, but for everyone else the value added by the services of a qualified financial planner can make all the difference in the world. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning, Investments, Retirement, RRSP --- ### [Cash Flow Planning - Beyond Budgeting](https://razorplan.com/cash-flow-planning/) **Published:** March 2, 2020 **Author:** lorenzo noventa **Excerpt:** Razorplan has always tracked the client's retirement cash flow, now you can also track their pre-retirement lifestyle and plan their cash flow. For clients that are still in the accumulation phase of their life and are planning for their retirement, putting together a pre-retirement cash flow plan goes beyond budgeting **Content:** ![Mike Howe, portrait](/wp-content/uploads/2025/08/mike-howe.webp) [Mike Howe, CFP](https://www.linkedin.com/in/mike-w-howe/) Customer Success Manager at RazorPlan, ObjectwayA Certified Financial Planner that has been working with other financial planners to grow their business and deliver financial plans to their clients. As a veteran of the financial planning software industry, Mike can provide a wealth of knowledge about building financial plans and identifying opportunities. **Razorplan has always tracked the client’s retirement cash flow, now you can also track their pre-retirement lifestyle and plan their cash flow. For clients that are still in the accumulation phase of their life and are planning for their retirement, putting together a pre-retirement cash flow plan goes beyond budgeting. See it in action in the video below.** RazorPlan quickly identifies if income is allocated towards lifestyle expenditures, planned savings and/or planned debt repayment. Income that is unallocated is identified and advisors can then manage this excess cash flow to help meet retirement goals. ![](https://razorplan.com/wp-content/uploads/2020/03/ExcessCashFlowChart-1.png) The new Excess Cash Flow Management Tool makes it easy to control where excess cash flow is directed, to make the client’s plan optimal. Using this tool advisors will be able to: - **Prioritize Debt** – Find the best order to pay down credit cards, lines of credit, mortgages and other debts. - **Save** – Determine the best way to save excess cash flow to RRSPs, TFSAs, and Non-registered assets. - **Spend** – Adjust the client’s pre-retirement lifestyle spending in the future. ![Excess Cash Flow - Tool](https://razorplan.com/wp-content/uploads/2020/03/ExcessCashFlowTool-1.png) RazorPlan Plus users have the additional ability to model **Capital Needs** that seamlessly integrate into the client’s financial plan. Now future asset purchases and one time expenses can be entered and identified in the plan. Advisors can also show the impact of financing these capital needs by using either cash flow, debt or investment assets. ![Fixed Asset UI - Real estate : Recreational property](https://razorplan.com/wp-content/uploads/2025/05/Fixed-Asset-Downsize675PX-1.png) These new cash flow planning features are now available in RazorPlan. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning --- ### [RRSP vs. Non-RRSP](https://razorplan.com/rrsp-vs-non-rrsp/) **Published:** February 14, 2018 **Author:** lorenzo noventa **Excerpt:** RazorPlan's RRSP vs. Non-RRSP Calculator compares investing in a tax deferred account versus investing in a taxable account. **Content:** ![Mike Howe, portrait](/wp-content/uploads/2025/08/mike-howe.webp) [Mike Howe, CFP](https://www.linkedin.com/in/mike-w-howe/) Customer Success Manager at RazorPlan, ObjectwayA Certified Financial Planner that has been working with other financial planners to grow their business and deliver financial plans to their clients. As a veteran of the financial planning software industry, Mike can provide a wealth of knowledge about building financial plans and identifying opportunities. RazorPlan’s RRSP vs. Non-RRSP Calculator compares investing in a tax deferred account versus investing in a taxable account. By handling the taxes properly this calculator provides advisors with results that are easy to explain to their clients. If a 45-year-old client wanted to know if they should save $10,000 into their RRSP or a non-registered account, by using this calculator an advisor can show the best course of action. In addition to the above contribution/savings amount the following information is needed: | Current Age: | 45 | |---|---| | Planned Retirement Age: | 60 | | \# of Years Income Needed: | 30 | | Rate of Return: | 5.00% | | Annual Contribution: | $10,000 | | Tax Rate: Contribution Years | 40% | | Tax Rate: Income Years | 32% | In this situation the client’s contribution of $10,000 into an RRSP will generate $226,575 at retirement while the after-tax equivalent of $6,000 invested into a non-registered account will grow to $114,941 by retirement. The RRSP generates $10,023 of annual after-tax income and the non-registered will generate only $6,171 of income. In this case the client would generate more after-tax income by putting the annual contribution of $10,000 into their RRSP. This calculator makes it easy to show client the benefits of tax deferred investing through an RRSP account compared to investing in non-registered accounts. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Investments, Retirement, RRSP --- ### [Gathering Client Data](https://razorplan.com/gathering-client-data/) **Published:** September 1, 2016 **Author:** lorenzo noventa **Excerpt:** Data gathering is one of the most important steps in any financial analysis. The RazorPlan Fact Finder and Application Worksheets can help. **Content:** ![RazoPlan Team, avatar](/wp-content/uploads/2025/11/razorplan-team.webp) [RazorPlan Team](https://www.linkedin.com/company/razor-logic-systems/posts/) Marketing & ContentSince day one, the RazorPlan team has been dedicated to building technology that empowers advisors to spend less time building plans and more time building trust, ultimately delivering greater value to the clients they serve. Data gathering is one of the most important steps in any financial analysis. To assist with this process, the RazorPlan Fact Finder was created as a fillable PDF document designed to mirror the data entry wizard within RazorPlan. [Click here](http://www.manula.com/manuals/razorplan/razormanual/1/en/topic/fact-finder) to load the RazorPlan Fact Finder. The Fact Finder is also available from the home screen of the RazorPlan software. ### Application Worksheets When working with a RazorPlan Applications, data worksheets are available to further assist in data gathering. These worksheets are designed as fillable PDF documents and will assist advisors with gathering client information during or prior to their meetings, saving the advisor time and energy. This is particularly handy in single-needs discussions when larger planning discussions are unnecessary. You can access the Application Worksheets from the RazorPlan User Guide through the links below. [Budget Planner](http://www.manula.com/manuals/razorplan/razormanual/1/en/topic/budget-planner) [Life Insurance Needs](http://www.manula.com/manuals/razorplan/razormanual/1/en/topic/life-insurance-needs) [RRSP/RRIF Planner](http://www.manula.com/manuals/razorplan/razormanual/1/en/topic/rrsp-rrif-planner) [Debt Planner ](http://www.manula.com/manuals/razorplan/razormanual/1/en/topic/debt-planner) [Financial Goals](http://www.manula.com/manuals/razorplan/razormanual/1/en/topic/financial-goals) [Return On Investment (ROI)](http://www.manula.com/manuals/razorplan/razormanual/1/en/topic/return-on-investment-planner) [RESP Planner](http://www.manula.com/manuals/razorplan/razormanual/1/en/topic/resp-planner) ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning, General **Tags:** Applications, Data Entry, Fact Finder, Worksheets --- ### [RazorPlan’s simplicity can make you a better and more referable advisor](https://razorplan.com/razorplans-simplicity-can-make-you-a-better-and-more-referable-advisor/) **Published:** December 15, 2016 **Author:** lorenzo noventa **Excerpt:** The key to creating effective financial planning software is to understand how advisors use it. So, we set out to talk to advisors who are actively using RazorPlan in their practices and asked them how it was helping them. **Content:** ![Ja Palter, portrait](/wp-content/uploads/2025/08/jay-palter.webp) [Jay Palter](https://www.linkedin.com/in/jaypalter/) Digital Business StrategistJay is a digital and social media specialist with experience in the financial services industry. You can follow Jay on Twitter at @jaypalter. ![aha-moment](https://razorplan.com/wp-content/uploads/2016/12/aha-moment.webp)![aha-moment](https://razorplan.com/wp-content/uploads/2016/12/aha-moment.webp)![aha-moment2](http://razorplan.com/wp-content/uploads/2016/12/aha-moment2-300x199.jpg)The key to creating effective financial planning software is to understand how advisors use it. So, we set out to talk to advisors who are actively using RazorPlan in their practices and asked them how it was helping them. What we learned about financial planning is relevant to every financial advisor’s practice: - Having an objective financial planning process increases your credibility and referability. - Financial planning can help you uncover your clients’ objectives and advise them better. - The easier it is for a client to understand their plan, the more time you can spend helping them make good decisions. Here are three advisors that are using RazorPlan to offer better advice while growing their practices. ## [Mark Kotris](https://www.linkedin.com/in/mark-kotris-12a16415) – Ease of referability Mark Kotris (CFP, CLU, CH.F.C.) operates VIP Moneywise, an independent financial advisor based in Calgary, AB. His practice is rooted in financial planning and includes investment management and insurance. Kotris has used RazorPlan for a number of years as his primary tool for giving clients an overview of their finances. > *“RazorPlan’s holistic approach allows me to show clients where they will meet their financial objectives or where there will be shortfalls,” Kotris says.* Kotris likes using the RazorPlan questionnaire to gather financial information from clients because it’s quick and efficient. Prior to meeting his client, he prints their RazorPlan report and highlights key areas, then walks them through the report at the meeting. “I can also save the case in RazorPlan and boot it up on the flatscreen in the office in order to review various scenarios,” Kotris adds. “It helps to uncover financial issues that many people don’t realize they have until it’s too late,” he says. But what he likes about RazorPlan is that it “addresses problems and proposes objective solutions. It’s not a product push.” This objectivity is important to Kotris because, not only does it ground his advice to clients in a holistic financial plan, it also increases his credibility with clients. And that increases clients’ comfort with referring him to others. More information: Contact Mark Kotris – <mkotris@vipmoneywise.com>. ## Tom Kirdeikis – Getting the full picture Tom Kirdeikis operates Integrated Planning Solutions, an independent financial planning, investment management and insurance advisory practice based in Edmonton, AB. Kirdeikis started using RazorPlan two years ago and has become a more active user in the past several months. Like many advisors, he likes to review his clients’ financial plans while looking at the results with them in the live software. > *“I can’t imagine a financial tool that does a better job of visualizing someone’s financial situation.”* “Using RazorPlan has been a tremendous learning experience for myself and for clients,” Kirdeikis says. “Every time I play with numbers live with a client, they are impressed and they have revelations about their own plans that they didn’t have before.” Clients complete a questionnaire on their assets and holdings and Kirdeikis has his assistant input the data into RazorPlan. Then he reviews the report results in the software. “When reviewing the plan with my clients, I often discover other assets that I wasn’t aware of,” Kirdeikis adds. Clients are more willing to give a fuller picture of their finances in the context of planning, he finds. “Ultimately, if I had my ducks in a row, I’d be using RazorPlan for all my clients.” ## [Art Salvalaggio](https://www.linkedin.com/in/art-salvalaggio-9a782b65) – Simple, but comprehensive ![2016-10-26-art-salvalaggio-cumberland](https://razorplan.com/wp-content/uploads/2016/12/2016-10-26-Art-Salvalaggio-Cumberland-300x212.jpg)Art Salvalaggio (CFP) is a certified financial planner with Cumberland Private Wealth Management, Inc., based in Kingston, ON. He provides financial planning and life insurance advisory services to his clients whose investments are managed by Cumberland. Salvalaggio uses RazorPlan exclusively to support the retirement and estate planning work he does with clients. “The focal point of the software is the summary report. It gives the client something visual to help them understand their projections and estate planning needs.” For Salvalaggio, RazorPlan’s simplicity is its most powerful feature. “I like what it produces for the client in terms of a report,” he says. “Other tools are way too technical. I don’t want to spend an inordinate amount of time explaining the report to the client.” Having a report that clients can understand at first glance means that Salvalaggio can spend more time discussing options with his clients. “I always say to clients, it’s a good discussion piece for us to start with and focus on, then expand the financial plan from there,” he adds. He has used other planning tools, but RazorPlan has turned out to be the best fit, he says. More information: Contact Art Salvalaggio – [salvalaggio\_2@sympatico.ca](mailto:salvalaggio_2@sympatico.ca). ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning --- ### [Who to Follow in Canadian Finance](https://razorplan.com/canadian-finance-influencers/) **Published:** July 4, 2017 **Author:** lorenzo noventa **Excerpt:** In this post, we have compiled a list of top influencers, both individuals and publications / organizations, who are regularly consulted on financial issues in Canada. If you’re looking for a solid reading list on personal finance issues specifically for Canadians, this list is a great place to start. **Content:** ![Ja Palter, portrait](/wp-content/uploads/2025/08/jay-palter.webp) [Jay Palter](https://www.linkedin.com/in/jaypalter/) Digital Business StrategistJay is a digital and social media specialist with experience in the financial services industry. You can follow Jay on Twitter at @jaypalter. The internet and social networks have become the first stop for many people seeking out information about personal finance, planning and investments – money matters, in general. In this post, we have compiled a list of top influencers, both individuals and publications/organizations, who are regularly consulted on financial issues in Canada. If you’re looking for a solid reading list on personal finance issues specifically for Canadians, this list is a great place to start. [table id=2 /] ### Notes on ranking methodology Influencers are identified based on a social analytics tool called [Little Bird](https://getlittlebird.com/) and ordered by their proprietary “insider score”. For more information about this evaluation methodology, contact [the author](mailto:jay@jaypalter.com). ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning, Retirement **Tags:** financial advisors, financial planning, financial services, finserv, personal finance --- ### [Zero to One - by Peter Thiel](https://razorplan.com/zero-to-one/) **Published:** June 18, 2018 **Author:** lorenzo noventa **Excerpt:** Peter Thiel is one of the founders of PayPal. In 2012 he conducted regular lectures at the University of Stanford where a student, Blake Masters, took detailed class notes. The book Zero to One is based on those notes. **Content:** ![RazoPlan Team, avatar](/wp-content/uploads/2025/11/razorplan-team.webp) [RazorPlan Team](https://www.linkedin.com/company/razor-logic-systems/posts/) Marketing & ContentSince day one, the RazorPlan team has been dedicated to building technology that empowers advisors to spend less time building plans and more time building trust, ultimately delivering greater value to the clients they serve. **Financial Advice as a Startup? Read This Book.** *A review by Dave Faulkner.* Peter Thiel is one of the founders of PayPal. In 2012 he conducted regular lectures at Stanford University where a student, Blake Masters, took detailed class notes. The book Zero to One is based on those notes. Zero to One is an international bestseller and, with the subtitle “How to Build the Future”, is required reading for Silicon Valley startups. My son Cory recommended that I read this book. I think his exact words were “you have to read this book”. He said it felt like the author had compressed all of his knowledge and experience with PayPal into a blueprint for entrepreneurs. Information that can be used in not only building and running a company, but also developing a product and marketing it. To date, I have now read Zero to One 3 times. The first time I could not put it down. The second and third time I marked up the margins and underlined text throughout the book. Today it is a dog-eared mess and one of my all-time favorite reads. So, what does a book about technology startups have to do with financial advice? Although I am a founder and CEO of Razor Logic Systems Inc., a technology company, when people ask me what I do for a living I almost always respond with “I am a financial advisor”. This is how Zero to One spoke to me. In Zero to One, Peter Thiel states that every moment in every business happens only once. That copying what was successful in the past will only provide limited success, but creating something new can bring unlimited success. Technology is changing financial advice. To succeed in the future advisors need to stop doing what worked in the past and embrace today’s technology. You need to think of your business as a financial advice startup, and to help do that you should read this book. ### **Seven Questions Every Business Must Answer** Although there is great value throughout this book for anyone in any industry, it is the seven questions that every business must answer that will help you succeed. According to Peter Thiel, if you don’t have a good answer to these 7 questions, you’ll run into lots of “bad luck” and your business will fail. If you nail all seven, you’ll succeed. **1. The Engineering Question:** *Can you create breakthrough technology instead of incremental improvements?* Great financial advisors create value for clients in ways that their competition does not. Your breakthrough technology is your value proposition. To be a great financial advisor you should have a value proposition that is an order of magnitude better than what is expected by clients. You must strive to add 10x the value because merely incremental improvements often mean no added value from the client’s perspective. **2. The Timing Question:** *Is now the right time to start your particular business?* Is your value proposition relevant to your clients today? When I first offered financial planning to my clients in the early 1990s, delivering a printed plan in color was considered value added. Today even my retired clients do not want a paper plan. They prefer instead that I send them an email, or better yet provide a client portal they can use to access documents and basic financial advice. The key to getting the timing question right is to understand what really matters to your clients and deliver that first. **3. The Monopoly Question:** *Are you starting with a big share of a small market?* The larger your target market, the greater the competition. When you offer financial services that are no different than what is offered by a bank, you are viewed as a small player in a very large market. When you identify a unique solution for a niche market, and provided you are good at what you do, you will own the market and create a monopoly for your business. **4. The People Question:** *Do you have the right team?* There is an old saying that goes “It’s not personal, it’s just business”. Today FinTech is disrupting how average people access financial products. The problem with technology however, is that when it comes to people’s financial security, “It’s not just business, it’s personal.” The personal relationship that you and your staff have with your clients, combined with leading edge technology designed to make you and your team more efficient, should be front and centre in your value proposition. **5. The Distribution Question:** *Do you have a way to not just create but deliver your product?* Once you have created your value proposition, the next thing you must do is formulate a plan to tell current and prospective clients about it. If you take the position that your value proposition will “speak for itself” you may have some success, but you will not create disruption in your chosen niche. Your value proposition is not complete without a clear plan to tell your clients what it is and why it should matter to them. **6. The Durability Question:** *Will your market position be defensible 10 and 20 years into the future?* Every financial advisor should have a plan for their own financial security. You must ask yourself *“What will financial advice look like in the future, and how will my business fit in?”* Financial advisors that fail to anticipate the impact technology will have on financial advice will find it difficult to maintain their income as clients leave. Financial planning, client management and compliance can all be improved with technology to automate the routine tasks you perform daily, providing more time for personal interactions. **7. The Secret Question:** *Have you identified a unique opportunity that others don’t see?* Many financial advisors justify their worth with a conventual truth that clients want the human touch. They hold on to the belief that direct to consumer financial technology, or FinTech, will only appeal to a small segment of the population and not to their clients. As a financial advisor of the future you must embrace technology, not ignore it. You will create your value proposition around the secret that technology combined with the human touch, is “How to Build the Future” of financial advice. ### **In Conclusion** As I said before, I liked Zero to One not because I am in the technology business but because I am a financial advisor currently being disrupted by technology. When you read this book, relate the ideas and stories told by the author to how you run your financial advice business, then imagine what your business could become if you embrace the technology available to you. Dave Faulkner, CLU, CFP is a Financial Planner in Alberta, Canada and CEO of Razor Logic Systems Inc., developer of RazorPlan financial planning software. Zero to One was published in 2014 by Crown Business and is available in Hardcover, Paperback, Kindle, and Audiobook format at all major bookstores. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning, Insurance --- ### [RRSP Planning Made Easy](https://razorplan.com/rrsp-planing-made-easy/) **Published:** February 14, 2018 **Author:** lorenzo noventa **Excerpt:** In the financial planning community, the first 60 days of a year means RRSPs take centre stage. During this time advisors are often too busy to build a detailed financial plan for their clients but still need to give  good advice in a timely manner. **Content:** ![Mike Howe, portrait](/wp-content/uploads/2025/08/mike-howe.webp) [Mike Howe, CFP](https://www.linkedin.com/in/mike-w-howe/) Customer Success Manager at RazorPlan, ObjectwayA Certified Financial Planner that has been working with other financial planners to grow their business and deliver financial plans to their clients. As a veteran of the financial planning software industry, Mike can provide a wealth of knowledge about building financial plans and identifying opportunities. In the financial planning community, the first 60 days of a year means RRSPs take centre stage. During this time advisors are often too busy to build a detailed financial plan for their clients but still need to give good advice in a timely manner. RazorPlan has a series of tools advisors can use to answer clients’ RRSP questions. These tools allow advisors to show the benefits of using RRSPs or when it might make sense to use planned RRSP contributions in a better way. RazorPlan financial calculators are a series of tools that run calculations advisors need to perform daily. Below is an outline of each of the RRSP tools included in the RazorPlan financial calculators: ### **RRSP vs. Mortgage** RazorPlan’s RRSP vs. Mortgage calculator lets advisors compare investing a lump-sum in an RRSP today versus paying down a mortgage and investing future mortgage savings into an RRSP. The calculator outlines which strategy produces the larger RRSP balance at retirement and may warrant further consideration. [**Learn More…**](http://razorplan.com/rrsp-vs-mortgage/) ### **TFSA vs. RRSP** The TFSA vs. RRSP calculator is designed to compare investing in the 2 most popular tax-assisted investment available to Canadians. Focusing on the potential “After-Tax Retirement Income” from each strategy, advisors can help their clients identify where they should invest. **[Learn More…](http://razorplan.com/tfsa-vs-rrsp/)** ### **RRSP vs. Non-RRSP** RazorPlan’s RRSP vs. Non-RRSP Calculator compares investing in a tax deferred account versus investing in a taxable account. By handling the taxes properly this calculator provides advisors with results that are easy to explain to their clients. [**Learn More…**](http://razorplan.com/rrsp-vs-non-rrsp/) ### **RRSP Loan** With more and more Canadians building up unused RRSP contribution room, one strategy that can be used to eliminate unused RRSP contribution room is an RRSP Loan. RazorPlan’s RRSP Loan calculator lets advisors compare borrowing to invest a lump-sum into an RRSP today vs. making regular monthly contributions to an RRSP. [**Learn More…**](http://razorplan.com/rrsp-loan/) ### **RRSP** RazorPlan’s RRSP calculator estimates the future value of an RRSP investment given various assumptions. Advisors can use the RRSP calculator to compare 2 scenarios and see the impact changes in saving and return assumptions may have on their clients’ RRSPs. [**Learn More…**](http://razorplan.com/rrsp-calculator/) ### **RRIF** RazorPlan’s RRIF calculator estimates the future withdrawals from an RRIF based upon the prescribed minimums. Advisors can also use the RRIF calculator to estimate how long a client can withdraw a set amount from a RRIF before running out of money. [**Learn More…**](http://razorplan.com/rrif-calculator) ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Investments, Retirement, RRSP --- ### [Practice Management - Top Reads](https://razorplan.com/practice-management-top-reads/) **Published:** June 27, 2018 **Author:** lorenzo noventa **Excerpt:** Intentionally growing a thriving advisory firm takes more than pure luck. Skill, strategy and consistent review are necessary. For a business that excels well into the future, we recommend implementing practice management actions suggested in these articles. **Content:** ![Ja Palter, portrait](/wp-content/uploads/2025/08/jay-palter.webp) [Jay Palter](https://www.linkedin.com/in/jaypalter/) Digital Business StrategistJay is a digital and social media specialist with experience in the financial services industry. You can follow Jay on Twitter at @jaypalter. Profitably growing a financial advisory practice obviously takes more than pure luck. Practice management with intentional actions based on strategy, regular review, and course corrections are key. These articles will help savvy firms plan and adjust practices as needed to stay relevant, now and in the future. ### [How To Profitably Price Fee-For-Service Financial Planning](https://www.kitces.com/blog/pricing-cost-fee-for-service-financial-planning/) Financial planning is “evolving to an advice-centric, relationship-focused practice, independent of either the products to be implemented or the assets to be managed.” Alan Moore of XY Planning Group reviews several models in this excellent article that is worth the longer read. Interesting to note is the fact is that 62% of millennial advisors are using a fee-for-service model vs. 36% of advisors in general. How can an advisor decide whether to adopt the fee-for-service model and set the fee in the first place? It starts with knowing who you serve. [Read more](https://www.kitces.com/blog/pricing-cost-fee-for-service-financial-planning/) ### [Social Selling: Building Relationships with the Clients of the Future](https://blogs.cfainstitute.org/investor/2017/11/09/social-selling-building-relationships-with-the-clients-of-the-future/) Millennials have different needs than the baby boomer client you might be more familiar with. As this market grows into the wealth transfer that is already starting to happen, advisors must adapt accordingly. Yes, this means being active on social media. Younger generations want to maintain control over their data and be treated respectfully and as individuals. Women are savvy with both money and technology and want opportunities to make their hectic lives easier. Coincidentally, women are also the highest users of social media and the group who will benefit most from wealth transfer. Social media “allows us to see a softer side,” inviting wise advisors to build closer relationships by noticing life situations and proactively responding. [Read more](https://blogs.cfainstitute.org/investor/2017/11/09/social-selling-building-relationships-with-the-clients-of-the-future/) ### [When Is It OK to Fire a Client?](http://www.wealthmanagement.com/client-relations/when-it-ok-fire-client) Established financial planning firms are often in the enviable position of being selective in their client base, compared to a new advisor just starting out. However, all advisors should be aware of a few things when it comes to working with clients. There are times when, done carefully, the best decision is to end a client-advisor relationship. And not only because advisors (and clients) should get to work with people they like. [Read more](http://www.wealthmanagement.com/client-relations/when-it-ok-fire-client) ### [11 Action Steps To Design An Extraordinary Client Experience](https://www.kitces.com/blog/extraordinary-advisor-client-experience-11-action-steps-julie-littlechild-absolute-engagement-workbook/) In this guest post on Michael Kitces’ fantastic blog, [Julie Littlechild](https://www.absoluteengagement.com/) offers an interesting perspective on creating experiences that will leave clients awed and wanting more. More than just a combination of great service, communications, and cost, a truly extraordinary client experience leaves nothing out. The intention is generally there, but the “how to” is often where firms get stuck. Julie has clearly outlined a framework that every practice can benefit from. [Read more](https://www.kitces.com/blog/extraordinary-advisor-client-experience-11-action-steps-julie-littlechild-absolute-engagement-workbook/) ### [8 Steps For Wealth Managers To Increase Their Credibility](https://www.fa-mag.com/news/8-steps-for-wealth-managers-to-increase-their-credibility-38763.html) “Trust must be embedded into every firm’s organizational DNA.” Retaining a client is more profitable (and easier) than obtaining a new one. Almost 80% of investors say they would have more trust in advisors who participate in continuing professional development. Trust in the relationship, credibility in the firm’s ongoing practices, and a sense of loyalty must be perpetual priorities. [Read more](https://www.fa-mag.com/news/8-steps-for-wealth-managers-to-increase-their-credibility-38763.html) Don’t leave your firm’s advisor-client relationship and experience to chance. Embracing new generations and working with them (not just “for” them) will bring greater success, satisfaction, loyalty, and ultimately profits on both sides of the desk. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning **Tags:** advisors, financial advisors, practice management --- ### [Planning as a Concept](https://razorplan.com/planning-concept/) **Published:** November 14, 2018 **Author:** lorenzo noventa **Excerpt:** Planning as a Concept™ is a feature of RazorPlan financial planning software and uses Value of Advice to validate your recommendations and instil confidence in you as a financial professional. **Content:** ![RazoPlan Team, avatar](/wp-content/uploads/2025/11/razorplan-team.webp) [RazorPlan Team](https://www.linkedin.com/company/razor-logic-systems/posts/) Marketing & ContentSince day one, the RazorPlan team has been dedicated to building technology that empowers advisors to spend less time building plans and more time building trust, ultimately delivering greater value to the clients they serve. If you are like most financial advisors that sell product and earn all or part of your income from commissions, you are no doubt familiar with the many insurance sales concepts that are promoted by the companies you do business with. Most of the concepts used by advisors have been around for years. The Estate Bond concept for example, was a mainstream concept used to sell permanent life insurance long before many of the advisors entering the business today where born. The longevity of the different sales concepts is a testament to their effectiveness. They help explain the many benefits of the financial products offered by insurance companies and investment firms. In fact, they are so successful that most companies have branded and linked the most popular sales concepts to many of the products they offer. Insurance sales concepts for example, will typically fall into 1 of 3 categories: 1. **Comparison Concepts:** These are designed to illustrate the benefits of one type of insurance over another. “Buy Term and Invest the Difference” and “The Cost of Waiting” are included in this category. 2. **Estate Preservation Concepts:** These are designed to illustrate the projected value of a person’s after-tax estate using life insurance compared to investing in GICs or doing nothing. “Estate Bond” and “RRIF Insurance” are included in this category. 3. **Retirement Income Concepts:** These are designed to compare after-tax income in retirement using a permanent life insurance policy to the after-tax income from a fully taxable investment. “Insured Retirement Plan” and “Insured Annuity” are included in this category. > With all their advantages and proven track record for selling financial products, sales concepts have one serious flaw, they fail to consider the client’s big picture. Sales concepts use simple assumptions and a limited analysis to highlight changes in one aspect of a client’s financial life. A sales concept that compares the future death benefit of a life insurance policy to the accumulated future value of the premiums invested in a GIC, ignores other positive changes to the client’s financial situation. Sheltering non-registered investments reduces interest income which can prevent clawback of the age credit and OAS benefits. Both important side-effects from the recommendation to purchase life insurance for your estate. Added value that cannot be measured with a simple sales concept. Financial planning is a highly integrated, yet focused process consisting of six distinct elements: 1. [Financial Management](/financial-management-planning-as-a-concept/) 2. [Investment Management](/investment-management-planning-concept/) 3. [Risk Management](/risk-management-planning-concept/) 4. [Tax Planning](/tax-planning-concept/) 5. [Retirement Planning](/retirement-planning-concept/) 6. [Estate Planning](/estate-planning-concept/) As a financial advisor, the scope of planning for a given client will generally focus on 2 or more of the above elements. Retirement Planning is connected to Investment Management. Estate Planning with Risk Management. No one element of financial planning can be effectively done in isolation of all others. When financial advisors replace comprehensive analysis with a product sales concept, it can have a negative effect on the client even when the advice is the best solution given their situation. Advice that is attached to a product can be viewed as bias and valued less than advice that is focused on the client’s financial goals. Sales concepts in and of themselves are not bad. They are very effective at helping clients understand the benefits of various planning strategies. The fact that most are tied to a given product is simply due to their origin. Supplier companies want you to sell more of their products, providing sales concepts is just one of the ways they market their products to financial advisors. Financial advice should be recognized as a profession, no different than accounting or law, but if we continue to tie advice and recommendations to product sales concepts provided by supplier companies, how can we expect the public and other professionals to view us as such. The answer is simple, take the product out of the concept! In the coming weeks, we will be posting a series of articles that break down each of the six financial planning elements listed above. We will illustrate the planning concept of each as a separate entity from the sales concept often used to deliver each aspect. Planning as a Concept™ is a feature of RazorPlan financial planning software and uses Value of Advice to validate your recommendations and instill confidence in you as a financial professional. [![](https://razorplan.com/wp-content/uploads/2018/10/Planning-as-a-concept-thumbnail.png)](https://razorplan.com/concept/) ## [Download the ebook: Planning as a Concept](http://razorplan.com/fpconcept/) ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning **Tags:** financial advisors, financial planning --- ### [Personal Finance / Cashflow - Top Reads](https://razorplan.com/top-reads-personal-finance-cashflow/) **Published:** August 14, 2018 **Author:** lorenzo noventa **Excerpt:** Personal finance management can be stressful, but it doesn't have to be. These articles answer top questions and cover a variety of common topics to help you reduce cashflow stress points. **Content:** ![Ja Palter, portrait](/wp-content/uploads/2025/08/jay-palter.webp) [Jay Palter](https://www.linkedin.com/in/jaypalter/) Digital Business StrategistJay is a digital and social media specialist with experience in the financial services industry. You can follow Jay on Twitter at @jaypalter. Managing personal finances, one of the top five stressors, can be understandably tricky. To help, we have sourced the following five articles, covering a variety of common aspects of personal finance and cashflow. Whether you are debating opening that joint bank account, finally noticing how much interest rates really cost you, managing a huge financial windfall or simply want to stress less about money, we have you covered. ### [Ignoring Interest Rates is Finally Costing You Money](https://thebigstorypodcast.ca/2018/07/12/interesting-rates/) Canadians have been largely ignoring interest rates for the better part of a decade, but that is about to change. We may not have paid much attention, but we can no longer afford that luxury. In this podcast, veteran business and personal finance journalist, [Bryan Borzykowski](https://twitter.com/bborzyko?lang=en), expertly covers why Canadians need to prepare for a rate spike that will noticeably impact their pocketbook. “What if not thinking about it is costing us money?” [Read more](https://thebigstorypodcast.ca/2018/07/12/interesting-rates/) ### [Seven Ways to De-stress about Money](https://moneycoachescanada.ca/blog/seven-ways-de-stress-money/) Extensive research studies have proven that certain life events cause most humans to feel stress. Of all life’s stressors, stress related to personal finance ranks in the top 5. So it goes without saying that managing money well is important. Becoming aware of what is causing you the most stress is the first step to setting yourself free. These seven tips will help you determine what blockages may be standing in the way of your financial peace of mind and how to move beyond them. [Read more](https://moneycoachescanada.ca/blog/seven-ways-de-stress-money/) ### [Should You Join Your Money with Your Honey?](https://www.thestar.com/business/personal_finance/advice/2018/06/03/should-you-join-your-money-with-your-honey.html) As with any relationship, good communication is at the core of any successful financial arrangement. Joining accounts can simplify, increase efficiency, and reduce fees in certain situations, but there are some scenarios where maintaining separate accounts is a wiser choice. More than simple dollars and cents on a bank statement, ensuring all points are clearly discussed and agreed upon by both parties ahead of time is integral. [Read more](https://www.thestar.com/business/personal_finance/advice/2018/06/03/should-you-join-your-money-with-your-honey.html) ### [What to Do When it’s Raining Money](https://www.theglobeandmail.com/investing/globe-wealth/article-what-to-do-when-its-raining-money/) There are many ways someone can come into money, such as making a lucrative business deal, receiving an inheritance, or winning the lottery. But whether it’s a cool million (which doesn’t go so far nowadays) or much more, here are some time-tested suggestions to help the newly ‘rich’ make the best decisions for managing their new wealth. First things first: Wait. Especially if it was sudden, public, or unexpected – sit on it until the initial shock and/or excitement wears off. [Read more ](https://www.theglobeandmail.com/investing/globe-wealth/article-what-to-do-when-its-raining-money/) ### [The Hierarchy of Financial Needs](https://springplans.ca/hierarchy-cash-flow/) Small, daily habits repeated over time have the largest impact. This is true for many things, but especially when it comes to managing cash flow. Develop a system with a professional advisor that’s customized for your individual needs – then actually stick to it. This is easier said than done and will take intentional time and effort before it becomes “easy.” [Read more](https://springplans.ca/hierarchy-cash-flow/) Managing your personal finances well can be time consuming, but it doesn’t have to be difficult. The effort spent creating a plan with the help of a professional, then following through on it, will be worthwhile. Know when to seek advice, take those small steps consistently, and you will inevitably see results. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning, Investments **Tags:** cashflow, financial advisors, financial management, interest, personal finance --- ### [Planning as a Concept: Risk Management](https://razorplan.com/risk-management-planning-concept/) **Published:** January 8, 2019 **Author:** lorenzo noventa **Excerpt:** Risk Management is the topic of part 3 in our 6-part Planning as a Concept series. By using Human Capital instead of traditional product advice, clients will be more motivated by personal desire to give their family the best lifestyle they can. **Content:** ![RazoPlan Team, avatar](/wp-content/uploads/2025/11/razorplan-team.webp) [RazorPlan Team](https://www.linkedin.com/company/razor-logic-systems/posts/) Marketing & ContentSince day one, the RazorPlan team has been dedicated to building technology that empowers advisors to spend less time building plans and more time building trust, ultimately delivering greater value to the clients they serve. In part three of our six-part Planning as a Concept series, this post is focused on Risk Management. *[Download the ebook: Planning as a Concept](/fpconcept/).* With a focus on current and future earning power, the Risk Management concept measures value by using human capital as the metric. By viewing their human capital value as a tangible asset that should be insured, client that have a personal desire to give their family the best lifestyle they can are motivated to act. Risk Management concepts include Cost of Waiting, Term vs. Permanent, and Layered Rider Allocation. Risk Management is a required part of a comprehensive financial planning engagement. Without risk management, a client’s financial plans would be at risk due to events out of their control. Financial loss involving property damage is easily managed using an insurance policy to replace the tangible value of the property in question. Events involving your ability to earn an income are more difficult to manage due to a lack of tangible value. The Risk Management concept uses the client’s Human Capital to create a tangible financial loss due to death, disability, critical illness and long-term care. This concept enhances your Value of Advice by comparing the present value of lost income to 2 primary needs: 1. Mortgage and debt repayment 2. Savings and discretionary spending (lifestyle) The report clearly communicates the client’s Human Capital and allocates this value in relation to various types of life and living benefit insurance policies. To illustrate the advantage of using the Risk Management concept over a product sales concept, we will examine the industry standard Insurance Needs Analysis. ![](https://razorplan.com/wp-content/uploads/2018/12/risk-mgmt-1.png) #### INSURANCE NEEDS ANALYSIS: CLIENT PROFILE Thomas and Linda Roy, age 30 & 27, found you in a Google search for life insurance. Married for 2 years, they recently purchased their first home and were searching for quotes on $300,000 of mortgage insurance. They both work in IT for different tech companies and have stable positions that pay them a combined $154,500 in salary. Together they have saved $40,000 in their RRSP & TFSA, and make monthly contributions totaling $1,300. With no immediate plans to start a family, they feel that should one of them die, insuring the mortgage plus the value of their group insurance and investment savings will be more than adequate for the surviving partner. #### Product Advice You arranged a meeting with Tom and Linda in your office to complete a life insurance needs analysis. After entering their lump-sum needs which include the mortgage, 2 small car loans and final expenses, you asked them how much each of them would need monthly to maintain their lifestyle. After a moment of thought, they replied zero. After explaining to them how important it is to include an amount of monthly income for the surviving partner, they reluctantly agreed to consider replacing only $1,000 / month for 10 years. The report prepared by the insurance needs analysis confirmed what Tom and Linda believed, mortgage insurance along with their savings and group insurance would be adequate for the surviving partner. They also agreed that should they decide to have children in the future, they would likely need to purchase more insurance, but that could wait. Using a traditional insurance needs analysis will help to sell an amount of insurance needed today should the client die, but does it go far enough in helping the client understand their future needs? ![](https://razorplan.com/wp-content/uploads/2018/12/risk-mgmt-2.png) > RISK MANAGEMENT CONCEPTS INCLUDE: > > 1. Cost of Waiting > 2. Term vs. Permanent > 3. Layered Rider Allocation #### Planning Advice Although the insurance needs analysis will compare available capital to capital needed in the event of death today, it is based on paying for an expense rather than replacing the tangible value of an asset. In the case of mortgage insurance, the amount purchased is equal to the debt owed. This is much different than fire insurance where the amount purchased is equal to the tangible value of the asset, regardless of how much other wealth the client may have. There is no consideration to reduce coverage by their current savings, or for the question “What type of house do you need if this one is destroyed in a fire?” When you make recommendations for insurance based on the client’s Human Capital, you create Value over Product™ and help your clients better appreciate the financial advice, guidance and products you recommend. Using Human Capital in place of a traditional needs analysis offers 3 main advantages: 1. Human Capital converts the client’s future earning power into a tangible asset that can be applied to all forms of insurance needs; life, disability, critical illness and long-term. 2. Human Capital is a lifetime calculation that incorporates all types of income that could be disrupted including employment income, pensions and government benefits. 3. Human Capital can be allocated to all types of coverage and terms offered, so that you can make an insurance recommendation that is the most efficient in both amount of coverage and premiums. Calculating insurance needs using the RazorPlan Risk Management concept increases your Value of Advice by illustrating the tangible value of future earnings in a way the client will appreciate. The Risk Management concept begins a conversation about the future and introduces living benefits as a valuable part of any insurance portfolio. By using Human Capital, it was easy for Tom and Linda to see the role life insurance would play in their future financial plans, and they agreed to additional coverage above the mortgage balance. They also agreed to purchase critical illness insurance equal to one year’s income as added protection against financial loss. With Human Capital it is not about selling 100% of the amount illustrated, it is about creating Value over Product™ by educating the client on the future need and purpose of the various types of insurance coverage you offer. ![](https://razorplan.com/wp-content/uploads/2018/12/risk-mgmt-3.png) *In part 4 of our series, we will be discussing Tax Planning.* Planning as a Concept™ is a feature of RazorPlan financial planning software and uses Value of Advice to validate your recommendations and instill confidence in you as a financial professional. ![](https://razorplan.com/wp-content/uploads/2018/10/Planning-as-a-concept-thumbnail-300x243.png) ## [Download the ebook: Planning as a Cncept](/fpconcept/) ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning **Tags:** financial advisors, financial planning --- ### [Planning as a Concept: Investment Management](https://razorplan.com/investment-management-planning-concept/) **Published:** December 11, 2018 **Author:** lorenzo noventa **Excerpt:** Investment Management plays an important role in any comprehensive financial planning engagement. In part 2 of our series, we illustrate how and why using investment value as the metric is ideal - and far exceeds the results a robo might offer. **Content:** ![RazoPlan Team, avatar](/wp-content/uploads/2025/11/razorplan-team.webp) [RazorPlan Team](https://www.linkedin.com/company/razor-logic-systems/posts/) Marketing & ContentSince day one, the RazorPlan team has been dedicated to building technology that empowers advisors to spend less time building plans and more time building trust, ultimately delivering greater value to the clients they serve. In part two of our six-part Planning as a Concept series, this post is focused on Investment Management. *[Download the ebook: Planning as a Concept](/fpconcept/).* Focusing on asset allocation, rate of return, and management fees, Investment Management concepts use investment value as the key metric. Clients that have a personal desire to increase wealth through investing, will be motivated to act due to the positive impact your advice will have on their investment accounts. Investment Management concepts include RRSP vs. Non-Registered/TFSA, Asset Allocation Rebalancing, and Cost of Investment Fees. Investment Management plays an important part of any comprehensive financial planning engagement. The amount a client is willing to invest for their future will directly impact their ability to achieve goals related to major purchases, children’s education and retirement. Included with the Investment Management concept is a ledger that displays the change in financial position for investment savings, withdrawals and total assets, which will help your clients focus on the positive results they can expect from your recommendations. This concept clearly communicates your Value of Advice by comparing the projected investment value of two scenarios using a line graph along with icons representing 5, 10 and 15 years of advice. 1. Scenario 1 is the client’s current plan 2. Scenario 2 is your recommendations To illustrate the advantage of using the Investment Management concept over a product sales concept, we will examine a popular investment topic today, “Robo-advisors and the high cost of investment management fees.” #### COST OF INVESTMENT FEES: CLIENT PROFILE One of your clients recently referred you to his accountant Ruth. Ruth and Mark Stephens, age 43 & 44, have been married for 8 years and together they have $270,000 in RRSPs (saving $1,650 / month) and $25,000 in TFSA (saving $350 / month). Ruth manages and owns most of the couple’s investment assets which are invested with her local bank. Recently Ruth was researching robo-advisor platforms after reading an article on the long-term impact that high investment fees could have on her retirement savings. Using an on-line fee calculator, she estimated that the fees she is paying on her portfolio will cost her almost $200,000 in lost investment growth by the time she retires. Your client told her about the comprehensive financial plan you prepared for him that included a recommendation to consolidate investments using a low-cost ETF portfolio that you manage. > Using investment value is the best metric due to the focus on asset allocation, rate of return, and management fees. #### Product Advice Ruth contacted you to arrange a meeting at your office to discuss how your services compare to the various online roboadvisors and the fees you would charge on her portfolio. At the meeting you explained that your fees would be about 1% lower than the current fees on her portfolio and if she consolidated her investments with you the reduction in fees would have significant impact on the projected value of her investments over the long-term. To illustrate this using RazorPlan, you create a planning file with 2 Scenarios; Scenario 1 would project a plan assuming a portfolio earning 5.5% rate of return until retirement and a 4% rate of return in retirement, Scenario 2 would assume a 1% increase in returns to represent your lower investment fees. Using the summary page of the Investment Management concept (image 1), you can see that reducing investment fees by 1% annually is projected to increase their savings by $22,000 over 5 years. After 15 years, 3 years into retirement, the increase in investment savings is over $146,000, $54,000 less than the on-line calculator projected. In addition to the change in total savings, the cash flow chart shows that their savings will now be sufficient to meet their needs for retirement income. With the higher fees demonstrated in Scenario 1, they are projected to consume all savings when Mark is age 82, 10 years short of Ruth’s life expectancy. ![](/wp-content/uploads/2018/11/Investment-Management-1.png) #### Planning Advice By recommending a low-cost ETF portfolio, the projected long-term value of Ruth’s investments will be larger, but your value is limited to a product sale. Providing additional recommendations related to investment planning and the goals of the client will create Value over Product™ and help your clients better appreciate the financial advice, guidance and products you recommend. What if in addition to lower investment fees, you add the following recommendations in Scenario 2? As Ruth’s income increases in the future, contributions to her RRSP & TFSA should also increase at the same rate. Based on their current marginal tax rate, Ruth and Mark should redirect their TFSA contributions to their RRSP and then contribute 50% of their annual tax refund to their TFSA. When they retire, they should time the conversion from RRSP to RRIF to minimize the 30% withholding tax on income drawn from retirement savings, and contribute any excess after-tax RRIF withdrawals to TFSA. Adding these additional recommendations to the RazorPlan Investment Management concept improves the results by an additional $40,000 over 5 years and $250,000 over 15 years. Also, at life expectancy when investment assets are projected to run out with product advice, there is $1.8 million of Value over Product™ remaining, far exceeding the results provided by the robo-advisor. > INVESTMENT MANAGEMENT CONCEPTS INCLUDE: > 1\. RRSP vs. Non-Registered > 2\. RRSP vs. TFSA > 3\. Asset Allocation Rebalancing > 4\. Cost of Investment Fees ![](/wp-content/uploads/2018/11/Invesment-management-2.png) *In part 3 of our series, we will be discussing Risk Management.* Planning as a Concept™ is a feature of RazorPlan financial planning software and uses Value of Advice to validate your recommendations and instill confidence in you as a financial professional. ![](/wp-content/uploads/2018/10/Planning-as-a-concept-thumbnail-300x243.png) ## [Download the ebook: Planning as a Concept](/fpconcept/) ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning **Tags:** financial advisors, financial planning --- ### [Planning as a Concept: Financial Management](https://razorplan.com/financial-management-planning-as-a-concept/) **Published:** November 29, 2018 **Author:** lorenzo noventa **Excerpt:** In part one of our six-part series, we are discussing Financial Management and how using Planning as a Concept feature of RazorPlan financial planning software can double the results of using a product sale concept alone. **Content:** ![RazoPlan Team, avatar](/wp-content/uploads/2025/11/razorplan-team.webp) [RazorPlan Team](https://www.linkedin.com/company/razor-logic-systems/posts/) Marketing & ContentSince day one, the RazorPlan team has been dedicated to building technology that empowers advisors to spend less time building plans and more time building trust, ultimately delivering greater value to the clients they serve. In part one of our six-part Planning as a Concept series, this post is focused on Financial Management. *[Download the ebook: Planning as a Concept](/fpconcept/).* With a focus on budgeting, debt management and behavioral coaching, the Financial Management concept uses net worth as the key metric. Clients that have a personal desire to better manage their money are motivated to act due to the positive impact your advice has on their net worth. Common Financial Management concepts include RRSP vs. Mortgage, Retirement Cash Flow Planning, Budgeting, and Debt Management. Financial Management is a key part of any comprehensive financial planning engagement. How a client manages their finances will play a significant role in determining if the recommendations you have helped them to implement. Included with the Financial Management concept are detailed Net Worth and Cash Flow statements, which together will help your clients focus on the financial resources they have, where their money comes from, and where they spend it. This concept clearly communicates your Value of Advice by comparing the projected net worth of two scenarios using a line graph along with icons representing 5, 10 and 15 years of advice. 1. Scenario 1 is the client’s current plan 2. Scenario 2 is your recommendations > To illustrate the advantage of using the Financial Management concept over a product sales concept, we will examine the classic RRSP savings question, *“Should I contribute to my RRSP or pay down my mortgage?”* #### RRSP vs. MORTGAGE: CLIENT PROFILE Bob and June Reilly, age 45 & 41, have been insurance clients of yours for 5 years. Bob takes an active role in managing his finances and recently received a promotion that will increase his annual income from $100,000 to $125,000. This will net him an additional $1,250 each month after-tax which he plans to use to pay-down his mortgage. With a mortgage balance of $175,000 and interest rate of 3.3%, the current monthly payment of $1,232 will have the mortgage paid off at his age 60 when they plan to retire. Using his bank’s mortgage calculator, Bob has determined that if he increases his monthly payments by $1,250 the mortgage will be paid off in just under 7 years at his age 52. Once the mortgage is paid off, he plans to contribute the entire $25,000 raise to his RRSP until he retires. Bob and June have a total of $380,000 in RRSPs and contribute $1,000 each month. Bob used his bank’s RRSP calculator to estimate that at a 5% rate of return, their current RRSP savings along with the planned increase in contributions will grow to over $1.3 million by the time they retire in 15 years. #### Product Advice Having learned about Bob’s promotion, you arrange to do a review. During the meeting they informed you of their plans for the increase in salary. As a financial advisor, you know that investing in an RRSP with a projected rate of return of 5% will create more wealth than paying down a mortgage with a 3.3% interest rate. To illustrate this using RazorPlan, you add 2 Scenarios to Bob & June’s plan; Scenario 1 prioritizes paying down the mortgage and Scenario 2 prioritizes contributing to the RRSP. ![](https://razorplan.com/wp-content/uploads/2018/11/Financial-mgmt-image-1.png) Using the summary page of the Financial Management concept (image above), you can see that investing in RRSP as opposed to paying down the mortgage, is projected to increase net worth over 5 years by more than $33,000. After 15 years, when Bob and June plan to retire, the increase in net worth is $150,000. In addition to the change in net worth, their cash flow allocation validates that discretionary spending (lifestyle) is the same whether they pay down the mortgage or contribute to their RRSP. #### Planning Advice Although investing in an RRSP is clearly a better use of the increased income from a net worth point of view, your value is limited to a product sale. Providing additional planning recommendations related to the increase in income and the client’s retirement goals will create Value over ProductTM and help your clients better appreciate the financial advice, guidance, and products you recommend. What if in addition to increasing the RRSP contributions, you add the following recommendations in Scenario 2? 1. As Bob’s income increases in the future, contributions to his RRSP should also increase at the same index rate. 2. Due to the size of the increase in wages, you have calculated that Bob’s RRSP contributions will be maxed-out within 2 years. When this happens, Bob should contribute the after- tax difference to a TFSA for additional investment growth and the flexibility associated with having tax-paid saving in retirement. 3. When they retire, they should time the conversion from RRSP to RRIF to minimize the 30% withholding tax on income drawn from retirement savings. Adding these additional recommendations to the RazorPlan Financial Management concept creates Value over Product™ by doubling the results of using a product sales concept alone (see image below). ![](https://razorplan.com/wp-content/uploads/2018/11/Financial-mgmt-image-2.png) *In part 2 of our series, we will be discussing Investment Management.* Planning as a Concept™ is a feature of RazorPlan financial planning software and uses Value of Advice to validate your recommendations and instill confidence in you as a financial professional. ![](https://razorplan.com/wp-content/uploads/2018/10/Planning-as-a-concept-thumbnail-300x243.png) ## [Download the ebook: Planning as a Concept](/fpconcept/) ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning **Tags:** financial advisors, financial planning --- ### [Planning as a Concept: Estate Planning](https://razorplan.com/estate-planning-concept/) **Published:** February 19, 2019 **Author:** lorenzo noventa **Excerpt:** This final instalment in our Planning as a Concept series, the Estate Planning concept, uses estate worth as the key metric of value. Clients will be more motivated to act when they see the results your advice offers - to the tune of $248,000 over 15 years in our example. **Content:** ![RazoPlan Team, avatar](/wp-content/uploads/2025/11/razorplan-team.webp) [RazorPlan Team](https://www.linkedin.com/company/razor-logic-systems/posts/) Marketing & ContentSince day one, the RazorPlan team has been dedicated to building technology that empowers advisors to spend less time building plans and more time building trust, ultimately delivering greater value to the clients they serve. In this final chapter of our six-part Planning as a Concept series, this post is focused on Estate Planning. *[Download the ebook: Planning as a Concept](/fpconcept/).* Estate Planning is the process of arranging for the orderly disposal of a client’s estate to eliminate uncertainties over administration and probate. Although your client’s Estate Planning is impacted by all areas of financial planning, it is highly integrated with Tax Planning, as all capital property is deemed to be disposed of immediately prior to death, triggering any deferred capital gains. Included with the Estate Planning concept is a ledger that displays the change in financial position for net worth, deferred taxes and life insurance, which together will help your clients focus on the positive results they can expect from your recommendations. This concept clearly communicates your Value of Advice by comparing the projected estate value from two scenarios using a line graph along with icons representing 5, 10 and 15 years of advice. - Scenario 1 is the client’s current plan - Scenario 2 is your recommendations To illustrate the advantage of using the Estate Planning concept over a product sales concept, we will examine a popular insurance sales concept Corporate Investment Shelter. ![Estate planning - projected increase in Estate Value](https://razorplan.com/wp-content/uploads/2019/02/estate-planning-1-e1544689608933.png) **Corporate Investment Shelter (CIS): Client Profile** In the past there was a $2M limit on the amount that could be entered into the Closing Costs, Estimated Tax and Other Deductions fields in the Downsize drill down screens for Real Estate (personal and corporate) and Goodwill. Based on your feedback these limits have been increased to $10M. Charles and Ellen Jordan, age 59 & 57, were referred to you by an investment advisor in your professional network. They have a small industrial service business and are looking for some advice to help them minimize the taxes payable on their estate. The business has a FMV of $1 million which will be sold when Charles retires at age 65, and the after-tax value will be added to the $1.2 million of corporate investments they have today. With growth, annual saving of $50,000, and the proceeds from the sale, they are projected to have close to $2.6 million in corporate investments at retirement. Charles also has $525,000 in his RRSP and is contributing the maximum each year. Ellen has $175,000 and contributes her maximum of $9,000 each year. Together they own a home worth $850,000 and a cottage worth $500,000 and have no personal debt. **Estate planning concept include:** - Estate Bond - RRIF Insurance - Asset Protection - Investment Shelter **Product Advice** Prior to meeting with the Jordans, you sent them a comprehensive client questionnaire which they completed and returned to you the following week. Using RazorPlan you prepared a financial analysis that incorporated their retirement income goal of $8,000 / month. This allowed you to estimate that they will have a net worth greater than $6 million at life expectancy, and taxes of approximately $1 million. To illustrate the CIS concept, you created a second scenario and added a $1,000,000 joint last, minimum premium universal life policy funded from the corporate investments. ![Estate planning - comparing Advice + cis vs alternative investments](https://razorplan.com/wp-content/uploads/2019/02/estate-planning-2-e1544689739300.png) Using the summary page of the Estate Planning concept (image 1), you can see that by implementing the CIS concept the estate value is increased each year and the value of advice in the 5th year is a $937,000 increase in estate value. In addition to illustrating the change in estate value, the percentage of the estate allocated to paying income taxes has reduced from 16.4% to 12.3%, further validation of the CIS concept. **Planning Advice** Recommending the CIS concept on its own can significantly increase estate value, but your value is limited to a product sale. When you include other recommendations aimed at minimizing estate tax, you create Value over Product™ and help your clients better appreciate the financial advice, guidance and products you recommend. In addition to the CIS concept, what if you added additional estate planning strategies to Scenario 2? - To take advantage of the tax-sheltered investment account in the universal life policy, you recommend maximum deposits of $60,000 / year for 10 years. - Implement income splitting strategies that would allow more of the corporate dividends to be paid to Ellen at a lower marginal tax rate. - To reduce taxes related to their RRSP investments at death, they should implement a modest RRSP melt-down with minimum RRIF withdrawals starting at age 65 instead of waiting until age 71. Adding the above recommendations using the RazorPlan Estate Planning concept creates Value over Product™ of $248,000 over 15 years compared to a product recommendation alone. ![Estate planning - comparing Advice + cis vs alternative investments](https://razorplan.com/wp-content/uploads/2019/02/estate-planning-3-e1544689800479.png) Planning as a Concept™ is a feature of RazorPlan financial planning software and uses Value of Advice to validate your recommendations and instill confidence in you as a financial professional. [Download the ebook: Planning as aConcept](/fpconcept/) ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning **Tags:** financial advisors, financial planning --- ### [Planning as a Concept: Retirement Planning](https://razorplan.com/retirement-planning-concept/) **Published:** February 5, 2019 **Author:** lorenzo noventa **Excerpt:** Focusing on creating a retirement nest egg and sustainable retirement income, the Retirement Planning concept, part 5 of our series, uses income producing assets as the metric, improving results by $38,000 over 15 years vs. a product-only recommendation. **Content:** ![RazoPlan Team, avatar](/wp-content/uploads/2025/11/razorplan-team.webp) [RazorPlan Team](https://www.linkedin.com/company/razor-logic-systems/posts/) Marketing & ContentSince day one, the RazorPlan team has been dedicated to building technology that empowers advisors to spend less time building plans and more time building trust, ultimately delivering greater value to the clients they serve. In part five of our six-part Planning as a Concept series, this post is focused on Retirement Planning. *[Download the ebook: Planning as a Concept](/fpconcept/).* Retirement Planning is the process of helping a client manage their assets with the goal of achieving their vision of financial independence. Although all areas of financial planning will impact a client’s retirement plans, it is highly integrated with Financial Management and Investment Management due to the dependency on available cash flow and willingness to invest for the future. Included with the Retirement Planning concept is a ledger that displays the change in financial position for income producing assets, required savings and any excess or deficiency, which together will help your clients focus on the positive results they can expect from your recommendations. This concept clearly communicates your Value of Advice by comparing the projected value of income producing assets and pensions from two scenarios using a line graph along with icons representing 5, 10 and 15 years of advice. 1. Scenario 1 is the client’s current plan 2. Scenario 2 is your recommendations To illustrate the advantage of using the Retirement Planning concept over a product sales concept, we will examine the difficult decision many people with a defined benefit pension are faced with at retirement; Pension Income vs. Commuted Value. ![](https://razorplan.com/wp-content/uploads/2018/12/retirement-planning-1-e1544687792546.png) #### DEFINED BENEFIT PENSION PLAN: CLIENT PROFILE Recently you were contacted by John Parry and his wife Sasha, age 62 & 61, to consult on his retirement package which offered him 2 options: 1. Pension of $3,850 / month indexed at 75% of inflation with 75% survivorship. 2. Commuted value of $710,000 ($485,000 in a LIRA and $225,000 taxable lump-sum) John and Sasha estimated that if they took the commuted value there would be $52,000 in taxes assuming they contributed the maximum $73,000 to their RRSPs. The remaining value along with existing savings would give them total income producing assets of $859,000. John estimated that CPP, OAS and Sasha’s small pension of $850 / month would provide $25,000 / year and their savings would provide another $35,000, assuming a 4% withdrawal rate. At $60,000 / year they felt this would be adequate to meet their income needs and their daughter would inherit the remaining balance. > RETIREMENT PLANNING CONCEPTS INCLUDE: > > 1. RRSP vs. Non-Registered > 2. RRSP vs. TFSA > 3. Income Withdrawal Order > 4. Pension Optimization #### Product Advice Although a 4% withdrawal rate is a good rule of thumb, it will be difficult to duplicate the guarantees offered by an indexed pension and the lack of estate value can easily be handled with a permanent life insurance policy. To illustrate this using RazorPlan you prepared 2 Scenarios; Scenario 1 illustrates the commuted value of the pension and Scenario 2 illustrates the pension income and $350,000 of universal life insurance with a minimum premium of $6,700 / year. ![](https://razorplan.com/wp-content/uploads/2018/12/retirement-planning-2-e1544688062618.png) Using the summary page of the Retirement Planning concept (image 1), you can see that taking the monthly pension income and paying for life insurance, compared to the commuted lump-sum, increases the value of income producing assets and pensions by more than $290,000 over 5 years, and $310,000 over 15 years. The summary page also displays the impact to retirement options and the withdrawal rate of the 2 scenarios, providing additional confirmation that the guaranteed monthly pension offers greater value. #### Planning Advice Although the monthly pension combined with life insurance for their daughter is clearly the best recommendation, your value is limited to a product sale. Providing additional planning recommendations related to optimizing retirement income will create Value over Product™ and help your clients better appreciate the financial advice, guidance and products you recommend. In addition to the insured pension income, what if you add the following recommendations in Scenario 2? 1. The Parrys have made only one small contribution to their TFSAs in recent years. They should incorporate TFSAs into their asset allocation strategy using taxable investments and future excess income. 2. Using a tax efficient low-cost ETF managed portfolio or digital investment platform could lower investment fees on non-registered investment, effectively increasing after-tax investment returns. Adding these additional recommendations using the RazorPlan Retirement Planning concept creates Value over Product™ by improving the results an additional $6,000 over 5 years and $38,000 over 15 years compared to a product only recommendation. ![](https://razorplan.com/wp-content/uploads/2018/12/Screen-Shot-2018-12-13-at-12.00.25-AM-e1544688184158.png) *In the final part of our series, we will be discussing Estate Planning.* Planning as a Concept™ is a feature of RazorPlan financial planning software and uses Value of Advice to validate your recommendations and instill confidence in you as a financial professional. ![](https://razorplan.com/wp-content/uploads/2018/10/Planning-as-a-concept-thumbnail-300x243.png) [Download the ebook: Planning as a Concept](/fpconcept/) ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning **Tags:** financial advisors, financial planning --- ### [Planning as a Concept: Tax Planning](https://razorplan.com/tax-planning-concept/) **Published:** January 22, 2019 **Author:** lorenzo noventa **Excerpt:** Part 4 of our 6-part series discusses how using RazorPlan's Tax Planning concept can drastically improve the results for your clients over product advice using a popular insurance sales concept, Insured Retirement Plan (IRP). **Content:** ![RazoPlan Team, avatar](/wp-content/uploads/2025/11/razorplan-team.webp) [RazorPlan Team](https://www.linkedin.com/company/razor-logic-systems/posts/) Marketing & ContentSince day one, the RazorPlan team has been dedicated to building technology that empowers advisors to spend less time building plans and more time building trust, ultimately delivering greater value to the clients they serve. In part four of our six-part Planning as a Concept series, this post is focused on Tax Planning. *[Download the ebook: Planning as a Concept](/fpconcept/).* By focusing on income tax and tax efficient retirement income strategies, the Tax Planning concept uses annual and cumulative tax paid as the metric of value. Clients that have a personal desire to pay less income tax are motivated to act due to the positive impact your advice will have on their annual tax bill. Tax Planning concepts include Insured Retirement Plan (IRP), Insured Annuity, and Social Security Optimization. Tax Planning impacts all areas of financial planning. Every decision your client makes involving their income, the purchase or sale of an asset, the investments they select and when they plan to retire, all play a key role in how much income tax they will have to pay in the future. Included with the Tax Planning concept is a ledger that displays the change in financial position for basic income tax payable, OAS clawback, and average tax rate, which together will help your clients focus on the positive results they can expect from your recommendations. This concept clearly communicates your Value of Advice by comparing the projected income tax paid from two scenarios using a line graph along with icons representing 5, 10 and 15 years of advice. 1. Scenario 1 is the client’s current plan 2. Scenario 2 is your recommendations To illustrate the advantage of using the Tax Planning concept over a product sales concept, we will examine a popular insurance sales concept, Insured Retirement Plan (IRP). ![](https://razorplan.com/wp-content/uploads/2018/12/tax-1.png) #### INSURED RETIREMENT PLAN (IRP): CLIENT PROFILE The Goldbergs, Walter and Stacy, both age 65, were referred to you as an orphan policyholder by an insurance company you are contracted with. After meeting with them to provide some basic policy service, you discovered that they recently retired when Walter sold his fencing company in an asset sale. After paying all associated taxes, they netted $1.2 million invested in a holding company and $400,000 in personally owned investments. Walter owns 90% of the holding company and 100% of the personal investments in addition to $375,000 in an RRSP. Stacy owns the remaining 10% of the company and has $325,000 in an RRSP. In the meeting, Walter expressed unhappiness that after paying tax on the sale of the company’s assets he must pay more tax to get the money out. When you asked if he would be interested in looking at a strategy that would let him draw income from his corporate investments more tax efficiently, he agreed to meet with you again to discuss it. #### Product Advice Based on the Goldbergs financial situation you decided to suggest the Insured Retirement Plan (IRP) concept to them. Using RazorPlan to illustrate the tax advantages of the IRP concept, you create a planning file with 2 Scenarios. Scenario 1 uses a traditional investment strategy and their limited income splitting with a lifestyle need of $120,000 reducing to $90,000 at age 75. Scenario 2 incorporates the IRP concept using a corporate owned $750,000 joint last permanent life insurance policy with annual deposits of $50,000 for 20 years. > TAX PLANNING CONCEPTS INCLUDE: > > 1. Insured Retirement Plan (IRP) > 2. Insured Annuity > 3. Social Security Optimization Using the summary page of the Tax Planning concept (image 1), you can see that by implementing the IRP concept the average income tax rate is reduced each year and the value of advice by the 5th year exceeds $64,000 in tax savings. After 15 years the cumulative tax savings is over $151,000. In addition to illustrating total tax saved, recovery tax (Age Credit and OAS clawback) is also compared adding additional validation for the IRP concept. ![](https://razorplan.com/wp-content/uploads/2018/12/tax-2.png) #### Planning Advice Recommending the IRP concept on its own significantly reduced the annual income taxes by reducing the amount withdrawn from corporate investments, but your value is limited to a product sale. When you include other recommendations aimed at minimizing income tax, you create Value over Product™ and help your clients better appreciate the financial advice, guidance and products you recommend. In addition to the IRP strategy, what if you add the following recommendations in Scenario 2? 1. Delaying the conversion of the RRSPs to a RRIF until age 71 creates an opportunity to use some of the tax-paid investments for lifestyle, further reducing the amount of taxable income until age 72. 2. The Goldbergs have not contributed to their TFSAs in the past, as their focus was on corporate growth and RRSPs. Incorporate TFSAs into their asset allocation strategy to include TFSA contributions using taxable investments this year and each year in the future. 3. Implement income splitting strategies to split investment income from the taxable investments. In addition, modify corporate share structure to allow more of the corporate dividends to be paid to Stacy. Adding these additional recommendations using the RazorPlan Tax Planning concept creates Value over Product™ by improving the results by an additional $35,000 over 5 years and $70,000 over 15 years compared to the product only recommendation. ![](https://razorplan.com/wp-content/uploads/2018/12/tax-3-e1544652143692.png) *In part 5 of our series, we will be discussing Retirement Planning.* Planning as a Concept™ is a feature of RazorPlan financial planning software and uses Value of Advice to validate your recommendations and instill confidence in you as a financial professional. ![](https://razorplan.com/wp-content/uploads/2018/10/Planning-as-a-concept-thumbnail-300x243.png) [Download the ebook: Planning as a Concept](/fpconcept/) ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning **Tags:** financial advisors, financial planning --- ### [RazorPlan Plus – Take Your Practice to the Next Level](https://razorplan.com/video-razorplan-plus/) **Published:** June 12, 2019 **Author:** lorenzo noventa **Excerpt:** With the release of RazorPlan Plus some powerful new features were added. This video demonstrates these new features and gives you an idea of the power of RazorPlan Plus. **Content:** ![Mike Howe, portrait](/wp-content/uploads/2025/08/mike-howe.webp) [Mike Howe, CFP](https://www.linkedin.com/in/mike-w-howe/) Customer Success Manager at RazorPlan, ObjectwayA Certified Financial Planner that has been working with other financial planners to grow their business and deliver financial plans to their clients. As a veteran of the financial planning software industry, Mike can provide a wealth of knowledge about building financial plans and identifying opportunities. **With the release of RazorPlan Plus some powerful new features were added. The video below is a recording of the RazorPlan Plus launch webinar and shows the following:** **Cash Flow Manager** Many of you mentioned wanting to have the ability to direct surplus cash flow to pay down debt or save to the client’s investment accounts so that the excess cash flow is part of the retirement plan. This process can be accomplished when you use the Cash Flow Manager available in RazorPlan Advanced. To learn more about this feature check out the RazorPlan Advanced Features video below or the following blog article on cash flow planning in RazorPlan Advanced. - Enhanced succession planning using target after-tax estate value - Sequence of returns and retirement risk zone planning - Decumulation planning and withdrawal order control - Corporate estate planning including wind-up and stop-loss calculations - Alternative retirement income including IRP and reverse mortgage ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning, Insurance, Investments, Retirement --- ### [See RazorPlan's Top 10 Features In Action](https://razorplan.com/top-10-feature-videos-in-action/) **Published:** May 26, 2022 **Author:** lorenzo noventa **Content:** ![Mike Howe, portrait](/wp-content/uploads/2025/08/mike-howe.webp) [Mike Howe, CFP](https://www.linkedin.com/in/mike-w-howe/) Customer Success Manager at RazorPlan, ObjectwayA Certified Financial Planner that has been working with other financial planners to grow their business and deliver financial plans to their clients. As a veteran of the financial planning software industry, Mike can provide a wealth of knowledge about building financial plans and identifying opportunities. **It’s RazorPlan’s 10th Anniversary! Thank you so much to all the loyal customers that helped us reach this incredible milestone. To celebrate the success of the financial planning software, RazorPlan’s Co-Founder, Dave Faulkner, has put together short video clips highlighting the Top 10 Features!** **Feature #10 – User Interface** Starting with nothing more than a client’s name and date of birth, an advisor can gather enough information to prepare an analysis in under 15 minutes. Allowing the client and the advisor to discuss the big picture and their client’s needs moving forward. **Feature #9 – Cash Flow Planning** This tool was created in RazorPlan to fit the need for a visual data entry solution to do your pre-retirement cash flow-based planning, creating better client engagement in the planning process. *(Available in RazorPlan Advanced)* **Feature #8 – Insurance Planning** What would a comprehensive financial plan be without insurance? RazorPlan combines insurance values in a comprehensive financial plan with life insurance illustration software built right into the platform or import values, including Whole Life Insurance, from any company using their built-in export feature. *(Available in RazorPlan Advanced)* **Feature #7 – Data Drill-Downs** When doing a comprehensive financial plan, nothing is more frustrating than not being able to illustrate simple investment concepts quickly for your clients. With the drill-down control, you can model all popular investment concepts quickly and easily. **Feature #6 – Planning Concepts** With RazorPlan, you get 6 different concept reports – Financial Management, Investment Management, Insurance & Risk Management, Tax Planning, Estate Planning, and Retirement Planning. There is no concept in the financial industry that can’t be displayed using one of these Focused Planning Reports. **Feature #5 – Excel Export** If you have basic skills using Excel, you can build any report for any concept you want using RazorPlan’s calculation engine and the Export to Excel feature. **Feature #4 – File Sharing** Do you work in a multi-advisor office where you frequently work on the same financial plan? Do you work with other advisors through joint work? Are you in a support role where you need to assist an advisor? With File Sharing, RazorPlan saves you time by making it easy to collaborate with others. **Feature #3 – Web Tools** Our web-based tools help you find new potential clients ready and motivated to engage in financial planning. You can also use the Web Tools to identify existing client relationships ready to move forward with additional planning. **Feature #2 – Retirement Planning** Today, retirement planning is all about how to spend (decumulate) in the most tax-efficient way possible. Decumulation planning can add a ton of value for a client when you get it right, and RazorPlan helps you do that. **Feature #1 – Retirement Options** The Retirement Options report is the original 1-Page Financial Plan. This shows clients all their options – how much they need to save, how much they can spend, when they can retire, and so much more – all on a single, easy-to-understand page. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning --- ### [RazorPlan with Decumulation – Getting Started](https://razorplan.com/razorplan-with-decumulation/) **Published:** March 23, 2023 **Author:** lorenzo noventa **Excerpt:** The decumulation feature is a new optimization tool for the decumulation phase of a client’s life. Learn how to use this feature and integrate it into your practice. **Content:** ![Mike Howe, portrait](/wp-content/uploads/2025/08/mike-howe.webp) [Mike Howe, CFP](https://www.linkedin.com/in/mike-w-howe/) Customer Success Manager at RazorPlan, ObjectwayA Certified Financial Planner that has been working with other financial planners to grow their business and deliver financial plans to their clients. As a veteran of the financial planning software industry, Mike can provide a wealth of knowledge about building financial plans and identifying opportunities. **The following video and blog article will walk you through the new decumulation tool, now available as an add-on to both RazorPlan and RazorPlan Advanced (contact <support@razorplan.com> to add this feature onto your account). The goal of this article is to get you familiar with using this new tool.** Working with an existing RazorPlan client file, the first step of using the new decumulation feature is to click the decumulation button on the RazorPlan toolbar. RazorPlan will then automatically run the decumulation calculations on the current file and display the results. By default the program optimizes for estate by looking at the withdrawal priority and the starting ages for government benefits. The results are displayed by measuring the Wealth at Risk between the optimal strategy versus strategies using Non-registered or RRSP/RRIF assets first. ![Decumulation UI - Overview](https://razorplan.com/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) Wealth at risk is the difference between either the estate or net worth values of the optimal strategy and those same values of the worst decumulation strategy. This value identifies how much assets could be lost by not implementing the correct decumulation strategy. The Overview tab will display the Wealth at Risk as both the actual difference in values between the strategies and as a percentage improvement of using the optimal strategy. The Strategy Settings area at the bottom of the Overview tab shows the changes that have been made to the client’s CPP and OAS start ages, the spouse/partner’s CPP and OAS start ages, and the recommended allocation of the withdrawals from the Non-registered / TFSA assets and the RRSP / RRIF assets. ![Decumulation UI - Strategy Settings](https://razorplan.com/wp-content/uploads/2023/03/Decumulation_Blog_Strategy_Settings-1030x448-1.png) This area also provides buttons to update the active scenario with the optimal recommendations and to add text recommendations to the RazorPlan recommendations area. Once the analysis is complete, use the button to change the fields in the RazorPlan data entry screens to the recommended settings. This adjustment will be made to the active scenario so you may want to create a new scenario prior to clicking this button. Use the button to add text recommendations to the retirement planning tab of the Recommendations screen. Once clicked, you will see a confirmation that the recommendations were added and you can view or change the text of these recommendations by clicking the Recommendations button () on the toolbar. Advisors can choose to change the decumulation calculations using the controls in the Wealth Risk Setting panel. The first setting is to select the age of the client that you want to determine the optimal strategy for. Depending on the goals of the clients this age may be set to any age after the client’s retirement age. After selecting a solve age, choose whether the results will include Liquid Assets Only or both Liquid and Fixed Assets in the Assets to Include in Output dropdown. This option can change both the value and percentage shown on the overview tab. ![Decumulation UI - Wealth at Risk settings](https://razorplan.com/wp-content/uploads/2023/03/Decumulation_Blog_WaR_Settings-1.png) This Wealth at Risk Settings area also lets you select whether you are optimizing to maximize the clients’ Net Worth or Estate, select the option that matches the goal of the client. Lastly, you are able to turn on or off the determination of starting ages for government benefits for both the client and spouse/partner. If any changes are made to any of the options in the Wealth at Risk settings then the solve will need to be re-calculated. Click the button to perform the decumulation optimization calculations with the new settings, the Overview tab will update once the calculations are complete. There are five tabs provided in the decumulation area for reviewing the calculations performed by the optimizer: - The Overview tab gives a general overview of the results and outlines the strategy changes. - The Results tab displays the Net Worth or Estate Value (whichever is selected in the settings) for the three drawdown strategies that the program analyzes. This chart allows you to see how each strategy has different advantages and disadvantages at different points of the plan. - The Retirement Options tab outlines the four retirement options under each of the drawdown strategies and highlights where the options are better or worse compared to the current scenario loaded into RazorPlan. - The Strategies tab shows the income sources for each year and you can choose which of the drawdown strategies is displayed. This tab also allows you to show the incomes as percentages. - The Details tab shows the year by year incomes and withdrawals for a selected strategy. Both the Details and Strategies tabs allow you to select the strategy being shown using a dropdown menu provided above the chart. RazorPlan with Decumulation is a powerful tool that will help you determine if your clients can be more efficient in their decumulation phase. This tool can also be used to identify the potential to create more net worth or estate with the decisions they make during this period. Ultimately, using this tool will give you the ability to better help clients achieve their financial goals. **Additional Resources** - [RazorPlan User Guide – Decumulation](https://www.manula.com/manuals/razorplan/razormanual/1/en/topic/decumulation-screen) - RazorPlan with Decumulation Introduction Webinar (below) ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Cash flow, Financial Planning, Investments, Retirement --- ### [2025: RazorPlan rebranding](https://razorplan.com/razorplan-rebranding-2025/) **Published:** November 3, 2025 **Author:** leo **Excerpt:** In our recent survey, we noticed a few comments that identified areas of RazorPlan some subscribers are not getting the most out of. We identified 4 lesser known features and tips that we think will help all users of RazorPlan. **Content:** ![Mike Logashov, portrait](/wp-content/uploads/2025/11/mike-logashov.webp) [Mike Logashov](https://www.linkedin.com/in/logashov/) Product Manager – CFP, CLUMike Logashov is the Product Manager for Financial Planning at Objectway Solutions Inc. (formerly Nest Wealth Solutions Inc.), where he leads the design and development of financial planning tools for wealth professionals. With over a decade of experience spanning client advisory and product management, Mike combines deep planning expertise with a focus on building technology that makes advice more intuitive and impactful. He is a Certified Financial Planner (CFP) and Chartered Life Underwriter (CLU). ***Introducing RazonPlan’s New Look**: a refreshed brand and visual identity* ### RazorPlan Evolves Since 2011, RazorPlan has supported financial advisors in delivering clear, effective advice to their clients. Over time, the product has grown but our commitment to improving how advisors plan and present financial strategies has remained the same. As part of this update, you’ll notice a new logo, colour palette, and design system that extend across our public website and the RazorPlan application. These changes bring a more consistent, modern appearance to the platform while maintaining the familiar structure advisors rely on every day. ### The New RazorPlan Logo [RazorPlan rebranding - Teaser video](https://vimeo.com/1133458114)![RazorPlan rebranding teaser preview](https://razorplan.com/wp-content/uploads/2025/11/RP-rebranding-teaser-lightbox.webp)[Play Video](https://vimeo.com/1133458114) The new design reinforces the ideas of clarity and trust, which are the foundations of effective client relationships and financial planning. At its centre is a spark that symbolizes insight and connection, reflecting the moment advisors see understanding and confidence in their clients’ eyes. It represents the value of clear planning and meaningful advice brought to life. This rebrand marks the beginning of a new chapter. The updated design reflects a simpler, more modern direction that will guide future improvements to both the product and the overall user experience. You’ll begin to see this new look across the website and within the application in the days ahead. ### New Look, Consistent Purpose While the visuals are changing, the purpose remains the same: to provide financial planners with a practical, reliable, and easy-to-use platform that helps them deliver meaningful results for their clients. Thank you for continuing to work with RazorPlan and for being part of its evolution. ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **Categories:** Financial Planning --- ## Pages ### [RazorPlan Homepage](https://razorplan.com/) **Published:** July 24, 2025 **Author:** lorenzo noventa **Content:** # Create **financial plans** your clients will **understand** RazorPlan simplifies financial planning, letting clients focus on what matters. Its unique design blends comprehensive analysis with tailored, easy to understand advice. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) ## **Fast, Flexible Plan Creation** Build complete financial plans and scenarios in minutes, not hours. ## **Decumulation Strategy Optimization** Maximize retirement income by finding the best withdrawal strategy ## **Retirement Options Analysis** Instantly answer big retirement questions like age, spending, or savings needed. ## **Client-Friendly Visuals** Turn complex numbers into clear, engaging charts clients actually understand. ## **Scenario Analysis & Comparison** Compare strategies side by side to show the real impact of advice. ## **Lead Generation Support** Engage prospects early with lightweight retirement projections. ## **Insurance Planning Tools** Review policies and model advanced insurance strategies with ease. ![](https://razorplan.com/wp-content/uploads/2025/09/Rp_Hub_W.webp) ![](https://razorplan.com/wp-content/uploads/2025/09/Rp_Raymondjames_W.webp) ![](https://razorplan.com/wp-content/uploads/2025/09/Rp_QFS_W.webp) ![](https://razorplan.com/wp-content/uploads/2025/09/Rp_financialHorizons_W.webp) ![](https://razorplan.com/wp-content/uploads/2025/09/Rp_Serenialife_W.webp) **Simplification** over complication RazorPlan’s innovative algorithms allow Canadian financial advisors, financial planners, and insurance advisors to quickly analyze their clients’ financial and risk management needs, create intuitive projections, and help them understand the importance of advice. Proven features with **real world performance** - **Retirement Planning** with sophisticated solve engine - **Insurance needs analysis** including life, disability, and critical illness - **Professional reporting** and visualizations - **Decumulation optimizer** to determine optimal retirement income - **Proper tax calculations** using current legislation [Explore features](/features) ## **Sophisticated, Yet Straightforward** ![Razorplan - Planning Financial Scenarios - Landing page](https://razorplan.com/wp-content/uploads/2025/09/UI_financial-planning-scenarios_landing-2x.webp) Advisors using RazorPlan are confident their clients will follow their recommandations because they provide easy to understand actionable financial plans. ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) Real results, **real ROI** Firms and professionals who have partnered with RazorPlan have seen significant improvements in their planning processes, improved client engagement and business growth. ## **Spend less time** entering decumulation strategies Spend more time engaging clients in meaningful discussions. Optimize your clients wealth over their lifetime. Execute complex calculation on the fly. [Get the decumulation kit](/decumulation-tool-kit-retirement-planning/) ## **Improve** client satisfaction Give clients what they really want and need, with clear options in a more digestible way. Demonstrate the value you bring to clients with easy to read charts and reports. [Discover reports](/sample-reports) Who **we serve** RazorPlan supports advisors across the wealth industry: - **Insurance Advisors**: analyze protection needs and insurance strategies with ease - **Investment Advisors**: illustrate savings growth and wealth accumulation opportunities - **Financial Planners**: guide clients through cash flow, retirement income (decumulation), tax, and estate planning No matter your focus, RazorPlan helps you deliver advice that’s clear, actionable, and client friendly. ![](https://razorplan.com/wp-content/uploads/2025/09/razorplan-users-cubes.webp) Plans that fit your **growth** Pay per month or save with annual plans. **RazorPlan** **$745** save $83/year [Learn More](/pricing) **RazoPlan Advanced** **$1,070** save $118/year [Learn More](/pricing) **RazorPlan Decumulation** **$1,610** save $178/year [Learn More](/pricing) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **RazorPlan has helped me show retirement and estate planning strategies as well as the need for long term care, term and/or permanent insurance to clients in a way that is easy to comprehend.** Terry Zavitz **Zavits Insurance & Wealth** ![](https://razorplan.com/wp-content/uploads/2025/08/terry-zavitz.webp) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **This has increased my productivity by saving me time on the analysis. Also, it’s user friendly for the client.** Tyler Burtch Strata Group of Companies ![Tyler Burtch - portrait](https://razorplan.com/wp-content/uploads/2025/08/Tyler-Burtch.webp) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **Clients love especially the one page summary that shows them where they currently stand and the four options they are given to work towards their goals.** Aurora Tancock Tancock Financial Services ![Aurora Tancock - portrait](https://razorplan.com/wp-content/uploads/2025/08/Aurora-Tancock.webp) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **The software handles all the heavy lifting and allows me to spend more time advising my clients.** Scott Plaskett Ironshield Financial Planning ![Scott E. Plaskett - portrait](https://razorplan.com/wp-content/uploads/2025/08/Scott-Plaskett.webp) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **RazorPlan is a great addition to our client services. It allows us to gain perspective and get into action faster and more easily. Now we’re implementing sooner and our clients report a better understanding of their planning fundamentals.”** Curtis Scoville **Scoville Financial Planning, Black Creek, BC** ![Curtis Scoville - portrait](https://razorplan.com/wp-content/uploads/2025/08/Curtis-Scoville.webp) The advantage of **partnering** Find the discounted pricing offered by our partners, and leverage exclusive training and support [Go to partner offering (opens in a new tab)](/raymondjames/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Raymondjames.webp) [Go to partner offering (opens in a new tab)](/hubfinancial/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Hub.webp) [Go to partner offering (opens in a new tab)](/idc/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_IDC-1.webp) [View partner offering (opens in a new tab)](/ppi/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_PPI.webp) [Go to partner offering (opens in a new tab)](/financialhorizons/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_financialHorizons.webp) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Serenialife.webp) ](/training-serenia-life/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Nestwealth.webp) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_customplan.webp) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_QFS.webp) [Go to partner offering (opens in a new tab)](/ifb/) ![Independent Financial Brokers Canada logo](https://razorplan.com/wp-content/uploads/2025/09/IFSB-C-logo-2.svg) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Raymondjames.webp) ](/raymondjames/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Hub.webp) ](/hubfinancial/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_IDC-1.webp) ](/idc/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_PPI.webp) ](/ppi/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_financialHorizons.webp) ](/financialhorizons/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Serenialife.webp) ](/training-serenia-life/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Nestwealth.webp) ](/nestwealth/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_customplan.webp) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_QFS.webp) ](/qfs/) [ ![Independent Financial Brokers Canada logo](https://razorplan.com/wp-content/uploads/2025/09/IFSB-C-logo-2.svg) ](/ifb/) ![reversed pyramid, vector illustration](https://razorplan.com/wp-content/uploads/2025/07/CTA-tetra-3D.svg) NEWSRAZORPLAN BRAND A renewed energy sparks **RazorPlan’s evolution** [Switch the lights on](/razorplan-rebranding-2025) --- ### [Register For A Live Demonstration (webinars)](https://razorplan.com/demonstration/) **Published:** August 11, 2025 **Author:** lorenzo noventa **Content:** Demonstration # Register For **A Live Demonstration** A RazorPlan expert will show how easy it is to identify if clients are on track to meet their retirement goals. Then using the same clients, we will outline alternative scenarios that mix products and strategies together showing the value of financial planning advice. ## **Upcoming Sessions** Click on the dates to register to learn more about the upcoming webinars and register for the ones you’d like to attend! ### *Demo topics* - Pre and Post Retirement Cash Flow - Retirement Options - Financial Assets - Life Insurance Planning - Excess Cash Flow Manager - Client Reports and more… ## **RazorPlan Demonstration** WebinarDemo Join us for a presentation on the capabilities, features and benefits of the RazorPlan program. [October 21st @ 1 PM ET](https://events.teams.microsoft.com/event/04a85712-8d6e-44e4-8ce8-59ee9526d55a@719e9f34-ff21-4f36-ad00-6fc1f4833a36?source=copyLinkLegacyShareLinkDialog)[November 4th @ 1 PM ET](https://events.teams.microsoft.com/event/8743a156-2e8c-4728-9e43-504f323f0ba4@719e9f34-ff21-4f36-ad00-6fc1f4833a36?source=copyLinkLegacyShareLinkDialog)[November 25th @ 2 PM ET](https://events.teams.microsoft.com/event/64ba4ba1-008f-4b88-b4ac-aff617ce0ec9@719e9f34-ff21-4f36-ad00-6fc1f4833a36?source=copyLinkLegacyShareLinkDialog) ## **RazorPlan Education Series – Retirement Income Planning** Webinar Join us for an education session showcasing the capabilities, features and benefits of the RazorPlan program. [October 22nd @ 1 PM ET](https://events.teams.microsoft.com/event/590845e0-d0d5-412e-bfe0-3625c0504464@719e9f34-ff21-4f36-ad00-6fc1f4833a36) ## **RazorPlan Education Series – Pre-Retirement Cash Flow Planning** Webinar Join us for an education session showcasing the capabilities, features and benefits of the RazorPlan program. [November 19th @ 1 PM ET](https://events.teams.microsoft.com/event/eb113d14-8426-47eb-8126-1010c8234efb@719e9f34-ff21-4f36-ad00-6fc1f4833a36) --- ### [RazorPlan Partner: Raymond James](https://razorplan.com/raymondjames/) **Published:** August 20, 2025 **Author:** lorenzo noventa **Content:** EN \| [FR](https://razorplan.com/fr/raymond-james/) ![](https://razorplan.com/wp-content/uploads/2025/08/razorplan-Raymond-James.svg) # RazorPlan and **Raymond James** Get started with RazorPlan today and help your clients focus on what’s important. [Start My Free Trial](https://rjn.razorplan.com/?isShowRegister=True&isInsurance=True&plan_id=1&plan_id=1&plan_id=1)[Log In](https://rjn.razorplan.com) ## **Establish the Engagement** Using the client facing RazorLeads tool built into RazorPlan your clients can enter initial data and determine their potential retirement income. This data is then automatically used to start the analysis and planning process. ![Senior Couple Meeting with Financial Advisor](https://razorplan.com/wp-content/uploads/2025/08/Senior-Couple-Meeting-with-Financial-Advisor-2025.webp) ## **Analyze the Situation** RazorPlan’s algorithms run intuitive calculations on your behalf. Allowing you to quickly analyze a client’s financial and risk management needs while helping them understand the importance of your recommendations. ![Analyze the retirement situation with RazorPlan](https://razorplan.com/wp-content/uploads/2025/08/RazorPlan-analize-situation.webp) ## **Deliver the Results** Choose from multiple client reports that each take a different approach to delivering the client analysis. Depending on the type and scope of a client meeting, you can print the report that best corresponds to your client’s situation. ![Advisor shows investment portfolio report on tablet](https://razorplan.com/wp-content/uploads/2025/08/advisor-shows-investment-portfolio-report-on-tablet.webp) **Special pricing**: 10% off regular price Pay per month or save with annual subscription ↓ Annually Annual / Monthly plan toggle Monthly - ← Choose your Plan → - $20 any text - Retirement Option Analysis Quickly identify if clients have enough for retirement with automatically [calculations of additional options.](/wp-content/uploads/2025/08/RZ-Retirement.jpg) - Client Friendly Reports - Concepts & Calculators - Client Facing Data Gathering - Toll-Free & Email Support - Scenario Planning - Business Owner Planning Easily create plans that show business owner clients their goals by integrating personal and [corporate owned assets.](/wp-content/uploads/2025/08/RZ-Retired-Business-Owner.jpg) - Advanced Corporate Estate Planning Provide powerful [post-mortem planning](/wp-content/uploads/2025/08/Corporate-Post-Mortem-Report.png) for business owners that takes capital gains, double taxation and pipeline planning into consideration. - Life Insurance Planning Integrate premiums, death benefits and cash values into [detailed plans](/wp-content/uploads/2025/08/Rp_Risk_management.png) using the life insurance import utilities. - Import Insurance Policies - Capital Needs & Expenses All levels of RazorPlan determine the need for insurance but the advanced life insurance planning feature allows advisors to import insurance data from insurance company programs. [Capital Needs](https://vimeo.com/1124152125) with this feature, to offer a premium advice to your customers - Sequence of Returns - Excess Income Manager - Decumulation Optimization [Determine the optimal retirement](/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) withdrawal strategy to either maximize estate or maximize retirement income - Solve CPP & OAS Ages - Get Your Plan - - RazorPlan - RazorPlan - $62/ month $744 per year - $669 save $75/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- - --- - --- - --- - --- - --- - --- Try now - - RazorPlan Advanced - RazorPlan Advanced - $89/ month $1,068 per year - $961 save $107/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- try now --- ### [RazorPlan Partner: IFB (FR)](https://razorplan.com/fr/razorplan-partner-ifb-fr/) **Published:** September 2, 2025 **Author:** lorenzo noventa **Content:** EN \| [FR](https://razorplan.com/fr/razorplan-partner-ifb-fr/) ![razorplan IFB Canada partnership logo](https://razorplan.com/wp-content/uploads/2025/09/razorplan-IFB-partner.svg) # RazorPlan and **IFB** Commencez dès aujourd’hui avec RazorPlan et aidez vos clients à se concentrer sur l’essentiel. [Obtenez un essai gratuit](https://ifb.razorplan.com/?isShowRegister=True&isInsurance=True&plan_id=1&plan_id=1&plan_id=1)[Se connecter](https://ifb.razorplan.com/) ## **Establish the Engagement** Using the client facing RazorLeads tool built into RazorPlan your clients can enter initial data and determine their potential retirement income. This data is then automatically used to start the analysis and planning process. ![Senior Couple Meeting with Financial Advisor](https://razorplan.com/wp-content/uploads/2025/08/Senior-Couple-Meeting-with-Financial-Advisor-2025.webp) ## **Analyze the Situation** RazorPlan’s algorithms run intuitive calculations on your behalf. Allowing you to quickly analyze a client’s financial and risk management needs while helping them understand the importance of your recommendations. ![Analyze the retirement situation with RazorPlan](https://razorplan.com/wp-content/uploads/2025/08/RazorPlan-analize-situation.webp) ## **Deliver the Results** Choose from multiple client reports that each take a different approach to delivering the client analysis. Depending on the type and scope of a client meeting, you can print the report that best corresponds to your client’s situation. ![Advisor shows investment portfolio report on tablet](https://razorplan.com/wp-content/uploads/2025/08/advisor-shows-investment-portfolio-report-on-tablet.webp) **Special pricing**: 10% off regular price Payez par mois ou économisez avec un abonnement annuel ↓ Annuellement Basculer entre le plan annuel et le plan mensuel Mensuel - ← Choisissez votre abonnement → - $20 any text - Analyse des options de retraite Identifiez rapidement si les clients ont suffisamment d'argent pour la retraite grâce à des [calculs automatiques d'options supplémentaires.](/wp-content/uploads/2025/08/RZ-Retirement.jpg) - Rapports conviviaux - Concepts et calculateurs - Collecte de données pour les clients - Assistance téléphonique gratuite et par courriel - Planification de scénarios - Planification pour les propriétaires d'entreprise Créez facilement des plans qui montrent aux clients propriétaires d’entreprise leurs objectifs en intégrant les [actifs personnels et professionnels.](/wp-content/uploads/2025/08/RZ-Retired-Business-Owner.jpg) - Planification successorale avancée Offrez aux propriétaires d’entreprise une [planification post-mortem ](/wp-content/uploads/2025/08/Corporate-Post-Mortem-Report.png) puissante qui prend en compte les gains en capital, la double imposition et la planification des pipelines. - Planification de l'assurance-vie Intégrez les primes, les prestations de décès et les valeurs de rachat [dans des plans détaillés](/wp-content/uploads/2025/08/Rp_Risk_management.png) à l’aide des utilitaires d’importation d’assurance-vie. - Importation de polices d'assurance - Besoins et dépenses en capital Tous les niveaux de RazorPlan déterminent les besoins d'assurance, mais la [fonctionnalité avancée de planification de l'assurance](https://vimeo.com/1124152125) vie permet aux conseillers d'importer des données d'assurance depuis les programmes des compagnies d'assurance. Grâce à cette fonctionnalité, vous pouvez offrir des conseils de qualité à vos clients. - Séquence de rendement - Gestionnaire des revenus excédentaires - Optimisation du décaissement [Déterminer la stratégie de retrait optimale](/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) pour la retraite afin de maximiser la succession ou de maximiser le revenu de retraite - Résolution des problèmes d'âge liés au RPC et à la SV - Obtenez votre plan - - RazorPlan - RazorPlan - $62/ mois $744 par an - $669 économisez $75/an - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- - --- - --- - --- - --- - --- - --- [Essayer](https://ifb.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&lang=fr-CA&appInfo=PlanWebsite_FR) - - RazorPlan Advanced - RazorPlan Advanced - $89/ mois $1,068 par an - $961 économisez $107/an - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- [Essayer](https://ifb.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR) --- ### [RazorPlan Partner: IFB](https://razorplan.com/ifb/) **Published:** August 20, 2025 **Author:** lorenzo noventa **Content:** EN \| [FR](https://razorplan.com/fr/razorplan-partner-ifb-fr/) ![razorplan IFB Canada partnership logo](https://razorplan.com/wp-content/uploads/2025/09/razorplan-IFB-partner.svg) # RazorPlan and **IFB** Get started with RazorPlan today and help your clients focus on what’s important. [Start My Free Trial](https://ifb.razorplan.com/?isShowRegister=True&isInsurance=True&plan_id=1&plan_id=1&plan_id=1)[Log In](https://ifb.razorplan.com/) ## **Establish the Engagement** Using the client facing RazorLeads tool built into RazorPlan your clients can enter initial data and determine their potential retirement income. This data is then automatically used to start the analysis and planning process. ![Senior Couple Meeting with Financial Advisor](https://razorplan.com/wp-content/uploads/2025/08/Senior-Couple-Meeting-with-Financial-Advisor-2025.webp) ## **Analyze the Situation** RazorPlan’s algorithms run intuitive calculations on your behalf. Allowing you to quickly analyze a client’s financial and risk management needs while helping them understand the importance of your recommendations. ![Analyze the retirement situation with RazorPlan](https://razorplan.com/wp-content/uploads/2025/08/RazorPlan-analize-situation.webp) ## **Deliver the Results** Choose from multiple client reports that each take a different approach to delivering the client analysis. Depending on the type and scope of a client meeting, you can print the report that best corresponds to your client’s situation. ![Advisor shows investment portfolio report on tablet](https://razorplan.com/wp-content/uploads/2025/08/advisor-shows-investment-portfolio-report-on-tablet.webp) **Special pricing**: 10% off regular price Pay per month or save with annual subscription ↓ Annually Annual / Monthly plan toggle Monthly - ← Choose your Plan → - $20 any text - Retirement Option Analysis Quickly identify if clients have enough for retirement with automatically [calculations of additional options.](/wp-content/uploads/2025/08/RZ-Retirement.jpg) - Client Friendly Reports - Concepts & Calculators - Client Facing Data Gathering - Toll-Free & Email Support - Scenario Planning - Business Owner Planning Easily create plans that show business owner clients their goals by integrating personal and [corporate owned assets.](/wp-content/uploads/2025/08/RZ-Retired-Business-Owner.jpg) - Advanced Corporate Estate Planning Provide powerful [post-mortem planning](/wp-content/uploads/2025/08/Corporate-Post-Mortem-Report.png) for business owners that takes capital gains, double taxation and pipeline planning into consideration. - Life Insurance Planning Integrate premiums, death benefits and cash values into [detailed plans](/wp-content/uploads/2025/08/Rp_Risk_management.png) using the life insurance import utilities. - Import Insurance Policies - Capital Needs & Expenses All levels of RazorPlan determine the need for insurance but the advanced life insurance planning feature allows advisors to import insurance data from insurance company programs. [Capital Needs](https://vimeo.com/1124152125) with this feature, to offer a premium advice to your customers - Sequence of Returns - Excess Income Manager - Decumulation Optimization [Determine the optimal retirement](/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) withdrawal strategy to either maximize estate or maximize retirement income - Solve CPP & OAS Ages - Get Your Plan - - RazorPlan - RazorPlan - $62/ month $744 per year - $669 save $75/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- - --- - --- - --- - --- - --- - --- [Try now](https://ifb.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&lang=en-CA&appInfo=PlanWebsite_EN) - - RazorPlan Advanced - RazorPlan Advanced - $89/ month $1,068 per year - $961 save $107/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- [try now](https://ifb.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN) --- ### [RazorPlan Partner: Qualified Financial Services (FR)](https://razorplan.com/fr/razorplan-partner-qualified-financial-services/) **Published:** September 2, 2025 **Author:** lorenzo noventa **Content:** EN \| [FR](https://razorplan.com/fr/razorplan-partner-qualified-financial-services/) ![](https://razorplan.com/wp-content/uploads/2025/08/razorplan-QFS.svg) # RazorPlan and **Qualified Financial Services** Commencez dès aujourd’hui avec RazorPlan et aidez vos clients à se concentrer sur l’essentiel. [Obtenez un essai gratuit](https://qfs.razorplan.com/?isShowRegister=True&isInsurance=True&plan_id=1&plan_id=1&plan_id=1)[Se connecter](https://qfs.razorplan.com/) ## **Establish the Engagement** Using the client facing RazorLeads tool built into RazorPlan your clients can enter initial data and determine their potential retirement income. This data is then automatically used to start the analysis and planning process. ![Senior Couple Meeting with Financial Advisor](https://razorplan.com/wp-content/uploads/2025/08/Senior-Couple-Meeting-with-Financial-Advisor-2025.webp) ## **Analyze the Situation** RazorPlan’s algorithms run intuitive calculations on your behalf. Allowing you to quickly analyze a client’s financial and risk management needs while helping them understand the importance of your recommendations. ![Analyze the retirement situation with RazorPlan](https://razorplan.com/wp-content/uploads/2025/08/RazorPlan-analize-situation.webp) ## **Deliver the Results** Choose from multiple client reports that each take a different approach to delivering the client analysis. Depending on the type and scope of a client meeting, you can print the report that best corresponds to your client’s situation. ![Advisor shows investment portfolio report on tablet](https://razorplan.com/wp-content/uploads/2025/08/advisor-shows-investment-portfolio-report-on-tablet.webp) **Special pricing**: 10% off regular price Payez par mois ou économisez avec un abonnement annuel ↓ Annuellement Basculer entre le plan annuel et le plan mensuel Mensuel - ← Choisissez votre abonnement → - $20 any text - Analyse des options de retraite Identifiez rapidement si les clients ont suffisamment d'argent pour la retraite grâce à des [calculs automatiques d'options supplémentaires.](/wp-content/uploads/2025/08/RZ-Retirement.jpg) - Rapports conviviaux - Concepts et calculateurs - Collecte de données pour les clients - Assistance téléphonique gratuite et par courriel - Planification de scénarios - Planification pour les propriétaires d'entreprise Créez facilement des plans qui montrent aux clients propriétaires d’entreprise leurs objectifs en intégrant les [actifs personnels et professionnels.](/wp-content/uploads/2025/08/RZ-Retired-Business-Owner.jpg) - Planification successorale avancée Offrez aux propriétaires d’entreprise une [planification post-mortem ](/wp-content/uploads/2025/08/Corporate-Post-Mortem-Report.png) puissante qui prend en compte les gains en capital, la double imposition et la planification des pipelines. - Planification de l'assurance-vie Intégrez les primes, les prestations de décès et les valeurs de rachat [dans des plans détaillés](/wp-content/uploads/2025/08/Rp_Risk_management.png) à l’aide des utilitaires d’importation d’assurance-vie. - Importation de polices d'assurance - Besoins et dépenses en capital Tous les niveaux de RazorPlan déterminent les besoins d'assurance, mais la [fonctionnalité avancée de planification de l'assurance](https://vimeo.com/1124152125) vie permet aux conseillers d'importer des données d'assurance depuis les programmes des compagnies d'assurance. Grâce à cette fonctionnalité, vous pouvez offrir des conseils de qualité à vos clients. - Séquence de rendement - Gestionnaire des revenus excédentaires - Optimisation du décaissement [Déterminer la stratégie de retrait optimale](/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) pour la retraite afin de maximiser la succession ou de maximiser le revenu de retraite - Résolution des problèmes d'âge liés au RPC et à la SV - Obtenez votre plan - - RazorPlan - RazorPlan - $62/ mois $744 par an - $669 économisez $75/an - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- - --- - --- - --- - --- - --- - --- [Essayer](https://qfs.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&lang=fr-CA&appInfo=PlanWebsite_FR) - - RazorPlan Advanced - RazorPlan Advanced - $89/ mois $1,068 par an - $961 économisez $107/an - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- [Essayer](https://qfs.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR) --- ### [RazorPlan Partner: Qualified Financial Services](https://razorplan.com/qfs/) **Published:** August 20, 2025 **Author:** lorenzo noventa **Content:** EN \| [FR](https://razorplan.com/fr/razorplan-partner-qualified-financial-services/) ![](https://razorplan.com/wp-content/uploads/2025/08/razorplan-QFS.svg) # RazorPlan and **Qualified Financial Services** Get started with RazorPlan today and help your clients focus on what’s important. [Start My Free Trial](https://qfs.razorplan.com/?isShowRegister=True&isInsurance=True&plan_id=1&plan_id=1&plan_id=1)[Log In](https://qfs.razorplan.com/) ## **Establish the Engagement** Using the client facing RazorLeads tool built into RazorPlan your clients can enter initial data and determine their potential retirement income. This data is then automatically used to start the analysis and planning process. ![Senior Couple Meeting with Financial Advisor](https://razorplan.com/wp-content/uploads/2025/08/Senior-Couple-Meeting-with-Financial-Advisor-2025.webp) ## **Analyze the Situation** RazorPlan’s algorithms run intuitive calculations on your behalf. Allowing you to quickly analyze a client’s financial and risk management needs while helping them understand the importance of your recommendations. ![Analyze the retirement situation with RazorPlan](https://razorplan.com/wp-content/uploads/2025/08/RazorPlan-analize-situation.webp) ## **Deliver the Results** Choose from multiple client reports that each take a different approach to delivering the client analysis. Depending on the type and scope of a client meeting, you can print the report that best corresponds to your client’s situation. ![Advisor shows investment portfolio report on tablet](https://razorplan.com/wp-content/uploads/2025/08/advisor-shows-investment-portfolio-report-on-tablet.webp) **Special pricing**: 10% off regular price Pay per month or save with annual subscription ↓ Annually Annual / Monthly plan toggle Monthly - ← Choose your Plan → - $20 any text - Retirement Option Analysis Quickly identify if clients have enough for retirement with automatically [calculations of additional options.](/wp-content/uploads/2025/08/RZ-Retirement.jpg) - Client Friendly Reports - Concepts & Calculators - Client Facing Data Gathering - Toll-Free & Email Support - Scenario Planning - Business Owner Planning Easily create plans that show business owner clients their goals by integrating personal and [corporate owned assets.](/wp-content/uploads/2025/08/RZ-Retired-Business-Owner.jpg) - Advanced Corporate Estate Planning Provide powerful [post-mortem planning](/wp-content/uploads/2025/08/Corporate-Post-Mortem-Report.png) for business owners that takes capital gains, double taxation and pipeline planning into consideration. - Life Insurance Planning Integrate premiums, death benefits and cash values into [detailed plans](/wp-content/uploads/2025/08/Rp_Risk_management.png) using the life insurance import utilities. - Import Insurance Policies - Capital Needs & Expenses All levels of RazorPlan determine the need for insurance but the advanced life insurance planning feature allows advisors to import insurance data from insurance company programs. [Capital Needs](https://vimeo.com/1124152125) with this feature, to offer a premium advice to your customers - Sequence of Returns - Excess Income Manager - Decumulation Optimization [Determine the optimal retirement](/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) withdrawal strategy to either maximize estate or maximize retirement income - Solve CPP & OAS Ages - Get Your Plan - - RazorPlan - RazorPlan - $62/ month $744 per year - $669 save $75/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- - --- - --- - --- - --- - --- - --- [Try now](https://qfs.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&lang=en-CA&appInfo=PlanWebsite_EN) - - RazorPlan Advanced - RazorPlan Advanced - $89/ month $1,068 per year - $961 save $107/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- [try now](https://qfs.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN) --- ### [RazorPlan Partner: Nest Wealth Plus (FR)](https://razorplan.com/fr/razorplan-partner-nest-wealth-plus/) **Published:** September 2, 2025 **Author:** lorenzo noventa **Content:** EN \| [FR](https://razorplan.com/fr/razorplan-partner-nest-wealth-plus/) ![](https://razorplan.com/wp-content/uploads/2025/08/razorplan-Nest-wealth-partner.svg) # RazorPlan and **Nest Wealth Plus** Commencez dès aujourd’hui avec RazorPlan et aidez vos clients à se concentrer sur l’essentiel. [Obtenez un essai gratuit](https://nestwealth.razorplan.com/?isShowRegister=True&isInsurance=True&plan_id=1&plan_id=1&plan_id=1)[Se connecter](https://nestwealthplus.razorplan.com/) ## **Establish the Engagement** Using the client facing RazorLeads tool built into RazorPlan your clients can enter initial data and determine their potential retirement income. This data is then automatically used to start the analysis and planning process. ![Senior Couple Meeting with Financial Advisor](https://razorplan.com/wp-content/uploads/2025/08/Senior-Couple-Meeting-with-Financial-Advisor-2025.webp) ## **Analyze the Situation** RazorPlan’s algorithms run intuitive calculations on your behalf. Allowing you to quickly analyze a client’s financial and risk management needs while helping them understand the importance of your recommendations. ![Analyze the retirement situation with RazorPlan](https://razorplan.com/wp-content/uploads/2025/08/RazorPlan-analize-situation.webp) ## **Deliver the Results** Choose from multiple client reports that each take a different approach to delivering the client analysis. Depending on the type and scope of a client meeting, you can print the report that best corresponds to your client’s situation. ![Advisor shows investment portfolio report on tablet](https://razorplan.com/wp-content/uploads/2025/08/advisor-shows-investment-portfolio-report-on-tablet.webp) **Special pricing**: 10% off regular price Payez par mois ou économisez avec un abonnement annuel ↓ Annuellement Basculer entre le plan annuel et le plan mensuel Mensuel - ← Choisissez votre abonnement → - $20 any text - Analyse des options de retraite Identifiez rapidement si les clients ont suffisamment d'argent pour la retraite grâce à des [calculs automatiques d'options supplémentaires.](/wp-content/uploads/2025/08/RZ-Retirement.jpg) - Rapports conviviaux - Concepts et calculateurs - Collecte de données pour les clients - Assistance téléphonique gratuite et par courriel - Planification de scénarios - Planification pour les propriétaires d'entreprise Créez facilement des plans qui montrent aux clients propriétaires d’entreprise leurs objectifs en intégrant les [actifs personnels et professionnels.](/wp-content/uploads/2025/08/RZ-Retired-Business-Owner.jpg) - Planification successorale avancée Offrez aux propriétaires d’entreprise une [planification post-mortem ](/wp-content/uploads/2025/08/Corporate-Post-Mortem-Report.png) puissante qui prend en compte les gains en capital, la double imposition et la planification des pipelines. - Planification de l'assurance-vie Intégrez les primes, les prestations de décès et les valeurs de rachat [dans des plans détaillés](/wp-content/uploads/2025/08/Rp_Risk_management.png) à l’aide des utilitaires d’importation d’assurance-vie. - Importation de polices d'assurance - Besoins et dépenses en capital Tous les niveaux de RazorPlan déterminent les besoins d'assurance, mais la [fonctionnalité avancée de planification de l'assurance](https://vimeo.com/1124152125) vie permet aux conseillers d'importer des données d'assurance depuis les programmes des compagnies d'assurance. Grâce à cette fonctionnalité, vous pouvez offrir des conseils de qualité à vos clients. - Séquence de rendement - Gestionnaire des revenus excédentaires - Optimisation du décaissement [Déterminer la stratégie de retrait optimale](/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) pour la retraite afin de maximiser la succession ou de maximiser le revenu de retraite - Résolution des problèmes d'âge liés au RPC et à la SV - Obtenez votre plan - - RazorPlan - RazorPlan - $62/ mois $744 par an - $669 économisez $75/an - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- - --- - --- - --- - --- - --- - --- [Essayer](https://nestwealth.razorplan.com/?isShowRegister=True&plan_id=1&plan_id=1&plan_id=1) - - RazorPlan Advanced - RazorPlan Advanced - $89/ mois $1,068 par an - $961 économisez $107/an - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- [Essayer](https://nestwealth.razorplan.com/?isShowRegister=True&isInsurance=True&plan_id=1&plan_id=1&plan_id=1) --- ### [RazorPlan Partner: Nest Wealth Plus](https://razorplan.com/nestwealthplus/) **Published:** August 20, 2025 **Author:** lorenzo noventa **Content:** EN \| [FR](https://razorplan.com/fr/razorplan-partner-nest-wealth-plus/) ![](https://razorplan.com/wp-content/uploads/2025/08/razorplan-Nest-wealth-partner.svg) # RazorPlan and **Nest Wealth Plus** Get started with RazorPlan today and help your clients focus on what’s important. [Start My Free Trial](https://nestwealth.razorplan.com/?isShowRegister=True&isInsurance=True&plan_id=1&plan_id=1&plan_id=1)[Log In](https://nestwealth.razorplan.com/) ## **Establish the Engagement** Using the client facing RazorLeads tool built into RazorPlan your clients can enter initial data and determine their potential retirement income. This data is then automatically used to start the analysis and planning process. ![Senior Couple Meeting with Financial Advisor](https://razorplan.com/wp-content/uploads/2025/08/Senior-Couple-Meeting-with-Financial-Advisor-2025.webp) ## **Analyze the Situation** RazorPlan’s algorithms run intuitive calculations on your behalf. Allowing you to quickly analyze a client’s financial and risk management needs while helping them understand the importance of your recommendations. ![Analyze the retirement situation with RazorPlan](https://razorplan.com/wp-content/uploads/2025/08/RazorPlan-analize-situation.webp) ## **Deliver the Results** Choose from multiple client reports that each take a different approach to delivering the client analysis. Depending on the type and scope of a client meeting, you can print the report that best corresponds to your client’s situation. ![Advisor shows investment portfolio report on tablet](https://razorplan.com/wp-content/uploads/2025/08/advisor-shows-investment-portfolio-report-on-tablet.webp) **Special pricing**: 10% off regular price Pay per month or save with annual subscription ↓ Annually Annual / Monthly plan toggle Monthly - ← Choose your Plan → - $20 any text - Retirement Option Analysis Quickly identify if clients have enough for retirement with automatically [calculations of additional options.](/wp-content/uploads/2025/08/RZ-Retirement.jpg) - Client Friendly Reports - Concepts & Calculators - Client Facing Data Gathering - Toll-Free & Email Support - Scenario Planning - Business Owner Planning Easily create plans that show business owner clients their goals by integrating personal and [corporate owned assets.](/wp-content/uploads/2025/08/RZ-Retired-Business-Owner.jpg) - Advanced Corporate Estate Planning Provide powerful [post-mortem planning](/wp-content/uploads/2025/08/Corporate-Post-Mortem-Report.png) for business owners that takes capital gains, double taxation and pipeline planning into consideration. - Life Insurance Planning Integrate premiums, death benefits and cash values into [detailed plans](/wp-content/uploads/2025/08/Rp_Risk_management.png) using the life insurance import utilities. - Import Insurance Policies - Capital Needs & Expenses All levels of RazorPlan determine the need for insurance but the advanced life insurance planning feature allows advisors to import insurance data from insurance company programs. [Capital Needs](https://vimeo.com/1124152125) with this feature, to offer a premium advice to your customers - Sequence of Returns - Excess Income Manager - Decumulation Optimization [Determine the optimal retirement](/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) withdrawal strategy to either maximize estate or maximize retirement income - Solve CPP & OAS Ages - Get Your Plan - - RazorPlan - RazorPlan - $62/ month $744 per year - $669 save $75/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- - --- - --- - --- - --- - --- - --- [Try now](https://nestwealth.razorplan.com/?isShowRegister=True&plan_id=1&plan_id=1&plan_id=1) - - RazorPlan Advanced - RazorPlan Advanced - $89/ month $1,068 per year - $961 save $107/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- [try now](https://nestwealth.razorplan.com/?isShowRegister=True&isInsurance=True&plan_id=1&plan_id=1&plan_id=1) --- ### [Partner Training: Serenia Life (FR)](https://razorplan.com/fr/partner-training-serenia-life-fr/) **Published:** September 2, 2025 **Author:** leo **Content:** EN \| [FR](https://razorplan.com/fr/partner-training-serenia-life-fr/) ![Razorplan + Serenia Life logo](https://razorplan.com/wp-content/uploads/2025/09/Razorplan-Serenia-onlight.svg) # **Formation** RazorPlan Des webinaires enregistrés pour les conseillers Serenia Life. - [RazorPlan – Les bases](#tab_6ad2b385318c3) - [Planification d'assurance vie](#tab_6ad2b385318cb) - [Projections de retraite](#tab_6ad2b385318ce) - [Scénarios et allocation des retraits](#tab_6ad2b385318d1) - [Planification d'entreprise](#tab_6ad2b385318d4) - [Comprendre les hypothèses](#tab_6ad2b385318d6) ## **RazorPlan – Les bases** Apprenez les bases de l’utilisation de RazorPlan. Cette session de niveau débutant vous expliquera comment saisir des données dans RazorPlan et vous fournira des conseils clés pour faciliter le processus. Ensuite, la session se concentrera sur l’examen des résultats des données saisies et la création d’un rapport. ## **Planification d’assurance vie** Apprenez les bases de l’ajout de polices d’assurance vie dans RazorPlan. Cette session expliquera le calcul du capital humain, qui est utilisé pour déterminer les besoins en assurance à tous les niveaux de RazorPlan. Ensuite, elle montrera comment entrer les données d’assurance vie dans RazorPlan afin que les plans reflètent l’impact à la fois des valeurs de rachat et des prestations de décès. ## **Projections de retraite** Comprendre comment analyser les projections de retraite d’un couple est essentiel pour devenir un utilisateur avancé de RazorPlan. Dans cette session, vous apprendrez les bases de l’analyse des projections de retraite avec RazorPlan. La session vous fournira une compréhension de base des projections de retraite, puis vous aidera à analyser les questions courantes que les clients se posent. ## **Scénarios et allocation des retraits** Dans cette session vous découvrirez la fonction Scénarios de RazorPlan. Cette session démontrera comment utiliser les Scénarios en modifiant les paramètres du solveur et en utilisant la nouvelle fonctionnalité d’Allocation des Retraits. Cette fonction vous permet de déterminer d’où devrait provenir le revenu de retraite, entre les comptes enregistrés, non enregistrés et CELI. ## **Planification d’entreprise** Apprenez les bases de l’utilisation de RazorPlan pour créer des plans financiers pour des entrepreneurs. Cette session couvrira la manière d’entrer les données dans RazorPlan pour des entrepreneurs et fournira des conseils clés pour faciliter le processus de saisie des données. Ensuite, la session se concentrera sur l’analyse des résultats et l’impact des données d’entreprise sur les plans personnels du client. ## **Comprendre les hypothèses** RazorPlan repose sur une série d’hypothèses qui constituent la base de l’outil. Comprendre où, comment et sur quoi baser ces hypothèses peut donner aux utilisateurs de RazorPlan plus de confiance dans l’utilisation de l’outil pour obtenir des résultats. Dans cette session, nous aborderons les points suivants: - Comment la modification de l’âge de début pour les prestations de RPC et de Supplément de revenu garanti (SRG) impacte-t-il leur retraite? - Que se passe-t-il s’ils réduisent la taille de leur maison? - Peuvent-ils se permettre de faire un don à leurs enfants pour leur donner une longueur d’avance? Après cette séance, vous vous sentirez prêt à définir vos paramètres par défaut afin de rendre l’élaboration de vos plans plus facile et plus efficace. ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engagez** vos prospects. **Évaluez** leurs besoins. **Offrez** des résultats concrets. [Essai gratuit de 30 jours](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR)[Réservez une démo](/fr/inscrivez-vous-a-une-demonstration-en-direct-webinaires/) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## Les clients apprécient particulièrement la page de synthèse, qui leur montre leur situation actuelle ainsi que les quatre options qui leur sont proposées pour atteindre leurs objectifs. Aurora Tancock Tancock Financial Services ![Aurora Tancock - portrait](https://razorplan.com/wp-content/uploads/2025/08/Aurora-Tancock.webp) ![reversed pyramid, vector illustration](https://razorplan.com/wp-content/uploads/2025/07/CTA-tetra-3D.svg) NOUVELLESMARQUE RAZORPLAN Une **nouvelle énergie** alimente l’évolution **de RazorPlan** [Allumez les lumières](/razorplan-rebranding-2025) --- ### [Partner Training: Serenia Life](https://razorplan.com/training-serenia-life/) **Published:** August 19, 2025 **Author:** lorenzo noventa **Content:** EN \| [FR](https://razorplan.com/fr/partner-training-serenia-life-fr/) ![Razorplan + Serenia Life logo](https://razorplan.com/wp-content/uploads/2025/09/Razorplan-Serenia-onlight.svg) # RazorPlan **Training** A series of recorded webinars for Serenia Life advisors. - [RazorPlan Fundamentals](#tab_6ad2b3853e65b) - [Life Insurance Planning](#tab_6ad2b3853e660) - [Retirement Planning](#tab_6ad2b3853e662) - [Scenarios and Allocate Withdrawals](#tab_6ad2b3853e664) - [Corporate Planning](#tab_6ad2b3853e667) - [Understanding Assumptions](#tab_6ad2b3853e668) ## **RazorPlan Fundamentals** Learn the basic building blocks of using RazorPlan. This beginner level session will cover how to enter data into RazorPlan and provide key tips to help make the data entry process smooth. Then the session will focus on reviewing the results of the data entered and how to produce a report. ## **Life Insurance Planning** Learn the basics of adding life insurance policies into RazorPlan. This session will cover understanding the calculation of Human Capital which is used to generate the need for insurance on all levels of RazorPlan. Then it will show how to enter life insurance data into RazorPlan so that the plans show the impact of both cash values and death benefits. ## **Retirement Planning** Understanding how to analyze a couple’s retirement projections is essential to becoming a power user of RazorPlan. In this session you will learn the basics of retirement projection analysis using RazorPlan. The session will give you a base understanding of the retirement projections and then help you analysis common retirement questions clients have such as: ## **Scenarios and Allocate Withdrawals** In Scenarios and Allocate Withdrawals, you will learn about the Scenarios feature in RazorPlan. This session will demonstrate how to use Scenarios by changing the solver settings and using the Allocate Withdrawals feature. This feature lets you determine where retirement income should be sourced from between the Registered, Non-registered and TFSA accounts. ## **Corporate Planning** Using RazorPlan to create a financial plan for a business owner makes it easy to show business owners how their business can be used to help with retirement. This session will cover how to enter data into RazorPlan for a business owner and provide key tips to help make the data entry process smooth. Then the session will focus on reviewing the results of the data entered and how business data impacts the client’s personal plans. ## **Understanding Assumptions** RazorPlan has a series of assumptions that are the backbone of the program. Understanding where, how and what to set these assumptions to can give RazorPlan users more confidence in using the program to get results. In this session, we will discuss the following: - How does changing the start ages for CPP and OAS benefits impact their retirement? - What happens if they downsize their home? - Can they afford to provide a gift to their children to give them a head start? After this session you will feel confident in setting up your defaults to make your plan building easier and more efficient. ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **RazorPlan has helped me show retirement and estate planning strategies as well as the need for long term care, term and/or permanent insurance to clients in a way that is easy to comprehend.** Terry Zavitz **Zavits Insurance & Wealth** ![](https://razorplan.com/wp-content/uploads/2025/08/terry-zavitz.webp) ![reversed pyramid, vector illustration](https://razorplan.com/wp-content/uploads/2025/07/CTA-tetra-3D.svg) NEWSRAZORPLAN BRAND A renewed energy sparks **RazorPlan’s evolution** [Switch the lights on](/razorplan-rebranding-2025) --- ### [RazorPlan Partner: Financial Horizons (FR)](https://razorplan.com/fr/financial-horizons/) **Published:** September 2, 2025 **Author:** lorenzo noventa **Content:** EN \| [FR](https://razorplan.com/fr/financial-horizons/) ![](https://razorplan.com/wp-content/uploads/2025/08/razorplan-financial-horizons-partner.svg) # RazorPlan and **Financial Horizons** Commencez dès aujourd’hui avec RazorPlan et aidez vos clients à se concentrer sur l’essentiel. [Obtenez un essai gratuit](https://financialhorizons.razorplan.com/?isShowRegister=True&isInsurance=True&plan_id=1&plan_id=1&plan_id=1)[Se connecter](https://financialhorizons.razorplan.com/) ## **Establish the Engagement** Using the client facing RazorLeads tool built into RazorPlan your clients can enter initial data and determine their potential retirement income. This data is then automatically used to start the analysis and planning process. ![Senior Couple Meeting with Financial Advisor](https://razorplan.com/wp-content/uploads/2025/08/Senior-Couple-Meeting-with-Financial-Advisor-2025.webp) ## **Analyze the Situation** RazorPlan’s algorithms run intuitive calculations on your behalf. Allowing you to quickly analyze a client’s financial and risk management needs while helping them understand the importance of your recommendations. ![Analyze the retirement situation with RazorPlan](https://razorplan.com/wp-content/uploads/2025/08/RazorPlan-analize-situation.webp) ## **Deliver the Results** Choose from multiple client reports that each take a different approach to delivering the client analysis. Depending on the type and scope of a client meeting, you can print the report that best corresponds to your client’s situation. ![Advisor shows investment portfolio report on tablet](https://razorplan.com/wp-content/uploads/2025/08/advisor-shows-investment-portfolio-report-on-tablet.webp) **Special pricing**: 10% off regular price Payez par mois ou économisez avec un abonnement annuel ↓ Annuellement Basculer entre le plan annuel et le plan mensuel Mensuel - ← Choisissez votre abonnement → - $20 any text - Analyse des options de retraite Identifiez rapidement si les clients ont suffisamment d'argent pour la retraite grâce à des [calculs automatiques d'options supplémentaires.](/wp-content/uploads/2025/08/RZ-Retirement.jpg) - Rapports conviviaux - Concepts et calculateurs - Collecte de données pour les clients - Assistance téléphonique gratuite et par courriel - Planification de scénarios - Planification pour les propriétaires d'entreprise Créez facilement des plans qui montrent aux clients propriétaires d’entreprise leurs objectifs en intégrant les [actifs personnels et professionnels.](/wp-content/uploads/2025/08/RZ-Retired-Business-Owner.jpg) - Planification successorale avancée Offrez aux propriétaires d’entreprise une [planification post-mortem ](/wp-content/uploads/2025/08/Corporate-Post-Mortem-Report.png) puissante qui prend en compte les gains en capital, la double imposition et la planification des pipelines. - Planification de l'assurance-vie Intégrez les primes, les prestations de décès et les valeurs de rachat [dans des plans détaillés](/wp-content/uploads/2025/08/Rp_Risk_management.png) à l’aide des utilitaires d’importation d’assurance-vie. - Importation de polices d'assurance - Besoins et dépenses en capital Tous les niveaux de RazorPlan déterminent les besoins d'assurance, mais la [fonctionnalité avancée de planification de l'assurance](https://vimeo.com/1124152125) vie permet aux conseillers d'importer des données d'assurance depuis les programmes des compagnies d'assurance. Grâce à cette fonctionnalité, vous pouvez offrir des conseils de qualité à vos clients. - Séquence de rendement - Gestionnaire des revenus excédentaires - Optimisation du décaissement [Déterminer la stratégie de retrait optimale](/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) pour la retraite afin de maximiser la succession ou de maximiser le revenu de retraite - Résolution des problèmes d'âge liés au RPC et à la SV - Obtenez votre plan - - RazorPlan - RazorPlan - $62/ mois $744 par an - $669 économisez $75/an - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- - --- - --- - --- - --- - --- - --- [Essayer](https://financialhorizons.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&lang=fr-CA&appInfo=PlanWebsite_FR) - - RazorPlan Advanced - RazorPlan Advanced - $89/ mois $1,068 par an - $961 économisez $107/an - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- [Essayer](https://financialhorizons.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR) --- ### [RazorPlan Partner: Financial Horizons](https://razorplan.com/financialhorizons/) **Published:** August 20, 2025 **Author:** lorenzo noventa **Content:** EN \| [FR](https://razorplan.com/fr/financial-horizons/) ![](https://razorplan.com/wp-content/uploads/2025/08/razorplan-financial-horizons-partner.svg) # RazorPlan and **Financial Horizons** Get started with RazorPlan today and help your customers focus on what’s important. [Start My Free Trial](https://financialhorizons.razorplan.com/?isShowRegister=True&isInsurance=True&plan_id=1&plan_id=1&plan_id=1)[Log In](https://financialhorizons.razorplan.com/) ## **Establish the Engagement** Using the client facing RazorLeads tool built into RazorPlan your clients can enter initial data and determine their potential retirement income. This data is then automatically used to start the analysis and planning process. ![Senior Couple Meeting with Financial Advisor](https://razorplan.com/wp-content/uploads/2025/08/Senior-Couple-Meeting-with-Financial-Advisor-2025.webp) ## **Analyze the Situation** RazorPlan’s algorithms run intuitive calculations on your behalf. Allowing you to quickly analyze a client’s financial and risk management needs while helping them understand the importance of your recommendations. ![Analyze the retirement situation with RazorPlan](https://razorplan.com/wp-content/uploads/2025/08/RazorPlan-analize-situation.webp) ## **Deliver the Results** Choose from multiple client reports that each take a different approach to delivering the client analysis. Depending on the type and scope of a client meeting, you can print the report that best corresponds to your client’s situation. ![Advisor shows investment portfolio report on tablet](https://razorplan.com/wp-content/uploads/2025/08/advisor-shows-investment-portfolio-report-on-tablet.webp) **Special pricing**: 10% off regular price Pay per month or save with annual subscription ↓ Annually Annual / Monthly plan toggle Monthly - ← Choose your Plan → - $20 any text - Retirement Option Analysis Quickly identify if clients have enough for retirement with automatically [calculations of additional options.](/wp-content/uploads/2025/08/RZ-Retirement.jpg) - Client Friendly Reports - Concepts & Calculators - Client Facing Data Gathering - Toll-Free & Email Support - Scenario Planning - Business Owner Planning Easily create plans that show business owner clients their goals by integrating personal and [corporate owned assets.](/wp-content/uploads/2025/08/RZ-Retired-Business-Owner.jpg) - Advanced Corporate Estate Planning Provide powerful [post-mortem planning](/wp-content/uploads/2025/08/Corporate-Post-Mortem-Report.png) for business owners that takes capital gains, double taxation and pipeline planning into consideration. - Life Insurance Planning Integrate premiums, death benefits and cash values into [detailed plans](/wp-content/uploads/2025/08/Rp_Risk_management.png) using the life insurance import utilities. - Import Insurance Policies - Capital Needs & Expenses All levels of RazorPlan determine the need for insurance but the advanced life insurance planning feature allows advisors to import insurance data from insurance company programs. [Capital Needs](https://vimeo.com/1124152125) with this feature, to offer a premium advice to your customers - Sequence of Returns - Excess Income Manager - Decumulation Optimization [Determine the optimal retirement](/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) withdrawal strategy to either maximize estate or maximize retirement income - Solve CPP & OAS Ages - Get Your Plan - - RazorPlan - RazorPlan - $62/ month $744 per year - $669 save $75/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- - --- - --- - --- - --- - --- - --- [Try now](https://financialhorizons.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&lang=en-CA&appInfo=PlanWebsite_EN) - - RazorPlan Advanced - RazorPlan Advanced - $89/ month $1,068 per year - $961 save $107/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- [try now](https://financialhorizons.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN) --- ### [RazorPlan Partner: PPI (FR)](https://razorplan.com/fr/razorplan-partner-ppi-fr/) **Published:** September 2, 2025 **Author:** lorenzo noventa **Content:** EN \| [FR](https://razorplan.com/fr/razorplan-partner-ppi-fr/) ![](https://razorplan.com/wp-content/uploads/2025/08/razorplan-PPI-partner.svg) # RazorPlan and **PPI** Commencez dès aujourd’hui avec RazorPlan et aidez vos clients à se concentrer sur l’essentiel. [Obtenez un essai gratuit](https://ppi.razorplan.com/?isShowRegister=True&isInsurance=True&plan_id=1&plan_id=1&plan_id=1)[Se connecter](https://ppi.razorplan.com/) ## **Establish the Engagement** Using the client facing RazorLeads tool built into RazorPlan your clients can enter initial data and determine their potential retirement income. This data is then automatically used to start the analysis and planning process. ![Senior Couple Meeting with Financial Advisor](https://razorplan.com/wp-content/uploads/2025/08/Senior-Couple-Meeting-with-Financial-Advisor-2025.webp) ## **Analyze the Situation** RazorPlan’s algorithms run intuitive calculations on your behalf. Allowing you to quickly analyze a client’s financial and risk management needs while helping them understand the importance of your recommendations. ![Analyze the retirement situation with RazorPlan](https://razorplan.com/wp-content/uploads/2025/08/RazorPlan-analize-situation.webp) ## **Deliver the Results** Choose from multiple client reports that each take a different approach to delivering the client analysis. Depending on the type and scope of a client meeting, you can print the report that best corresponds to your client’s situation. ![Advisor shows investment portfolio report on tablet](https://razorplan.com/wp-content/uploads/2025/08/advisor-shows-investment-portfolio-report-on-tablet.webp) **Special pricing**: 10% off regular price Payez par mois ou économisez avec un abonnement annuel ↓ Annuellement Basculer entre le plan annuel et le plan mensuel Mensuel - ← Choisissez votre abonnement → - $20 any text - Analyse des options de retraite Identifiez rapidement si les clients ont suffisamment d'argent pour la retraite grâce à des [calculs automatiques d'options supplémentaires.](/wp-content/uploads/2025/08/RZ-Retirement.jpg) - Rapports conviviaux - Concepts et calculateurs - Collecte de données pour les clients - Assistance téléphonique gratuite et par courriel - Planification de scénarios - Planification pour les propriétaires d'entreprise Créez facilement des plans qui montrent aux clients propriétaires d’entreprise leurs objectifs en intégrant les [actifs personnels et professionnels.](/wp-content/uploads/2025/08/RZ-Retired-Business-Owner.jpg) - Planification successorale avancée Offrez aux propriétaires d’entreprise une [planification post-mortem ](/wp-content/uploads/2025/08/Corporate-Post-Mortem-Report.png) puissante qui prend en compte les gains en capital, la double imposition et la planification des pipelines. - Planification de l'assurance-vie Intégrez les primes, les prestations de décès et les valeurs de rachat [dans des plans détaillés](/wp-content/uploads/2025/08/Rp_Risk_management.png) à l’aide des utilitaires d’importation d’assurance-vie. - Importation de polices d'assurance - Besoins et dépenses en capital Tous les niveaux de RazorPlan déterminent les besoins d'assurance, mais la [fonctionnalité avancée de planification de l'assurance](https://vimeo.com/1124152125) vie permet aux conseillers d'importer des données d'assurance depuis les programmes des compagnies d'assurance. Grâce à cette fonctionnalité, vous pouvez offrir des conseils de qualité à vos clients. - Séquence de rendement - Gestionnaire des revenus excédentaires - Optimisation du décaissement [Déterminer la stratégie de retrait optimale](/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) pour la retraite afin de maximiser la succession ou de maximiser le revenu de retraite - Résolution des problèmes d'âge liés au RPC et à la SV - Obtenez votre plan - - RazorPlan - RazorPlan - $62/ mois $744 par an - $669 économisez $75/an - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- - --- - --- - --- - --- - --- - --- [Essayer](https://ppi.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&lang=fr-CA&appInfo=PlanWebsite_FR) - - RazorPlan Advanced - RazorPlan Advanced - $89/ mois $1,068 par an - $961 économisez $107/an - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- [Essayer](https://ppi.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR) --- ### [RazorPlan Partner: PPI](https://razorplan.com/ppi/) **Published:** August 20, 2025 **Author:** lorenzo noventa **Content:** EN \| [FR](https://razorplan.com/fr/razorplan-partner-ppi-fr/) ![](https://razorplan.com/wp-content/uploads/2025/08/razorplan-PPI-partner.svg) # RazorPlan and **PPI** Get started with RazorPlan today and help your clients focus on what’s important. [Start My Free Trial](https://ppi.razorplan.com/?isShowRegister=True&isInsurance=True&plan_id=1&plan_id=1&plan_id=1)[Log In](https://ppi.razorplan.com/) ## **Establish the Engagement** Using the client facing RazorLeads tool built into RazorPlan your clients can enter initial data and determine their potential retirement income. This data is then automatically used to start the analysis and planning process. ![Senior Couple Meeting with Financial Advisor](https://razorplan.com/wp-content/uploads/2025/08/Senior-Couple-Meeting-with-Financial-Advisor-2025.webp) ## **Analyze the Situation** RazorPlan’s algorithms run intuitive calculations on your behalf. Allowing you to quickly analyze a client’s financial and risk management needs while helping them understand the importance of your recommendations. ![Analyze the retirement situation with RazorPlan](https://razorplan.com/wp-content/uploads/2025/08/RazorPlan-analize-situation.webp) ## **Deliver the Results** Choose from multiple client reports that each take a different approach to delivering the client analysis. Depending on the type and scope of a client meeting, you can print the report that best corresponds to your client’s situation. ![Advisor shows investment portfolio report on tablet](https://razorplan.com/wp-content/uploads/2025/08/advisor-shows-investment-portfolio-report-on-tablet.webp) **Special pricing**: 10% off regular price Pay per month or save with annual subscription ↓ Annually Annual / Monthly plan toggle Monthly - ← Choose your Plan → - $20 any text - Retirement Option Analysis Quickly identify if clients have enough for retirement with automatically [calculations of additional options.](/wp-content/uploads/2025/08/RZ-Retirement.jpg) - Client Friendly Reports - Concepts & Calculators - Client Facing Data Gathering - Toll-Free & Email Support - Scenario Planning - Business Owner Planning Easily create plans that show business owner clients their goals by integrating personal and [corporate owned assets.](/wp-content/uploads/2025/08/RZ-Retired-Business-Owner.jpg) - Advanced Corporate Estate Planning Provide powerful [post-mortem planning](/wp-content/uploads/2025/08/Corporate-Post-Mortem-Report.png) for business owners that takes capital gains, double taxation and pipeline planning into consideration. - Life Insurance Planning Integrate premiums, death benefits and cash values into [detailed plans](/wp-content/uploads/2025/08/Rp_Risk_management.png) using the life insurance import utilities. - Import Insurance Policies - Capital Needs & Expenses All levels of RazorPlan determine the need for insurance but the advanced life insurance planning feature allows advisors to import insurance data from insurance company programs. [Capital Needs](https://vimeo.com/1124152125) with this feature, to offer a premium advice to your customers - Sequence of Returns - Excess Income Manager - Decumulation Optimization [Determine the optimal retirement](/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) withdrawal strategy to either maximize estate or maximize retirement income - Solve CPP & OAS Ages - Get Your Plan - - RazorPlan - RazorPlan - $62/ month $744 per year - $669 save $75/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- - --- - --- - --- - --- - --- - --- [Try now](https://ppi.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&lang=en-CA&appInfo=PlanWebsite_EN) - - RazorPlan Advanced - RazorPlan Advanced - $89/ month $1,068 per year - $961 save $107/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- [try now](https://ppi.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN) --- ### [RazorPlan Partner: IDC Worldsource (FR)](https://razorplan.com/fr/partner-idc-worldsource/) **Published:** September 2, 2025 **Author:** lorenzo noventa **Content:** EN \| [FR](https://razorplan.com/fr/partner-idc-worldsource/) ![](https://razorplan.com/wp-content/uploads/2025/08/razorplan-IDC-partner.svg) # RazorPlan and **IDC Worldsource** Commencez dès aujourd’hui avec RazorPlan et aidez vos clients à se concentrer sur l’essentiel. [Obtenez un essai gratuit](https://idc.razorplan.com/?isShowRegister=True&isInsurance=True&plan_id=1&plan_id=1&plan_id=1)[Se connecter](https://idc.razorplan.com/) ## **Establish the Engagement** Using the client facing RazorLeads tool built into RazorPlan your clients can enter initial data and determine their potential retirement income. This data is then automatically used to start the analysis and planning process. ![Senior Couple Meeting with Financial Advisor](https://razorplan.com/wp-content/uploads/2025/08/Senior-Couple-Meeting-with-Financial-Advisor-2025.webp) ## **Analyze the Situation** RazorPlan’s algorithms run intuitive calculations on your behalf. Allowing you to quickly analyze a client’s financial and risk management needs while helping them understand the importance of your recommendations. ![Analyze the retirement situation with RazorPlan](https://razorplan.com/wp-content/uploads/2025/08/RazorPlan-analize-situation.webp) ## **Deliver the Results** Choose from multiple client reports that each take a different approach to delivering the client analysis. Depending on the type and scope of a client meeting, you can print the report that best corresponds to your client’s situation. ![Advisor shows investment portfolio report on tablet](https://razorplan.com/wp-content/uploads/2025/08/advisor-shows-investment-portfolio-report-on-tablet.webp) **Special pricing**: 10% off regular price Payez par mois ou économisez avec un abonnement annuel ↓ Annuellement Basculer entre le plan annuel et le plan mensuel Mensuel - ← Choisissez votre abonnement → - $20 any text - Analyse des options de retraite Identifiez rapidement si les clients ont suffisamment d'argent pour la retraite grâce à des [calculs automatiques d'options supplémentaires.](/wp-content/uploads/2025/08/RZ-Retirement.jpg) - Rapports conviviaux - Concepts et calculateurs - Collecte de données pour les clients - Assistance téléphonique gratuite et par courriel - Planification de scénarios - Planification pour les propriétaires d'entreprise Créez facilement des plans qui montrent aux clients propriétaires d’entreprise leurs objectifs en intégrant les [actifs personnels et professionnels.](/wp-content/uploads/2025/08/RZ-Retired-Business-Owner.jpg) - Planification successorale avancée Offrez aux propriétaires d’entreprise une [planification post-mortem ](/wp-content/uploads/2025/08/Corporate-Post-Mortem-Report.png) puissante qui prend en compte les gains en capital, la double imposition et la planification des pipelines. - Planification de l'assurance-vie Intégrez les primes, les prestations de décès et les valeurs de rachat [dans des plans détaillés](/wp-content/uploads/2025/08/Rp_Risk_management.png) à l’aide des utilitaires d’importation d’assurance-vie. - Importation de polices d'assurance - Besoins et dépenses en capital Tous les niveaux de RazorPlan déterminent les besoins d'assurance, mais la [fonctionnalité avancée de planification de l'assurance](https://vimeo.com/1124152125) vie permet aux conseillers d'importer des données d'assurance depuis les programmes des compagnies d'assurance. Grâce à cette fonctionnalité, vous pouvez offrir des conseils de qualité à vos clients. - Séquence de rendement - Gestionnaire des revenus excédentaires - Optimisation du décaissement [Déterminer la stratégie de retrait optimale](/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) pour la retraite afin de maximiser la succession ou de maximiser le revenu de retraite - Résolution des problèmes d'âge liés au RPC et à la SV - Obtenez votre plan - - RazorPlan - RazorPlan - $62/ mois $744 par an - $669 économisez $75/an - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- - --- - --- - --- - --- - --- - --- [Essayer](https://idc.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&lang=fr-CA&appInfo=PlanWebsite_FR) - - RazorPlan Advanced - RazorPlan Advanced - $89/ mois $1,068 par an - $961 économisez $107/an - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- [Essayer](https://idc.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR) --- ### [RazorPlan Partner: IDC Worldsource](https://razorplan.com/idcworldsource/) **Published:** August 20, 2025 **Author:** lorenzo noventa **Content:** EN \| [FR](https://razorplan.com/fr/partner-idc-worldsource/) ![](https://razorplan.com/wp-content/uploads/2025/08/razorplan-IDC-partner.svg) # RazorPlan and **IDC Worldsource** Get started with RazorPlan today and help your clients focus on what’s important. [Start My Free Trial](https://idc.razorplan.com/?isShowRegister=True&isInsurance=True&plan_id=1&plan_id=1&plan_id=1)[Log In](https://idc.razorplan.com/) ## **Establish the Engagement** Using the client facing RazorLeads tool built into RazorPlan your clients can enter initial data and determine their potential retirement income. This data is then automatically used to start the analysis and planning process. ![Senior Couple Meeting with Financial Advisor](https://razorplan.com/wp-content/uploads/2025/08/Senior-Couple-Meeting-with-Financial-Advisor-2025.webp) ## **Analyze the Situation** RazorPlan’s algorithms run intuitive calculations on your behalf. Allowing you to quickly analyze a client’s financial and risk management needs while helping them understand the importance of your recommendations. ![Analyze the retirement situation with RazorPlan](https://razorplan.com/wp-content/uploads/2025/08/RazorPlan-analize-situation.webp) ## **Deliver the Results** Choose from multiple client reports that each take a different approach to delivering the client analysis. Depending on the type and scope of a client meeting, you can print the report that best corresponds to your client’s situation. ![Advisor shows investment portfolio report on tablet](https://razorplan.com/wp-content/uploads/2025/08/advisor-shows-investment-portfolio-report-on-tablet.webp) **Special pricing**: 10% off regular price Pay per month or save with annual subscription ↓ Annually Annual / Monthly plan toggle Monthly - ← Choose your Plan → - $20 any text - Retirement Option Analysis Quickly identify if clients have enough for retirement with automatically [calculations of additional options.](/wp-content/uploads/2025/08/RZ-Retirement.jpg) - Client Friendly Reports - Concepts & Calculators - Client Facing Data Gathering - Toll-Free & Email Support - Scenario Planning - Business Owner Planning Easily create plans that show business owner clients their goals by integrating personal and [corporate owned assets.](/wp-content/uploads/2025/08/RZ-Retired-Business-Owner.jpg) - Advanced Corporate Estate Planning Provide powerful [post-mortem planning](/wp-content/uploads/2025/08/Corporate-Post-Mortem-Report.png) for business owners that takes capital gains, double taxation and pipeline planning into consideration. - Life Insurance Planning Integrate premiums, death benefits and cash values into [detailed plans](/wp-content/uploads/2025/08/Rp_Risk_management.png) using the life insurance import utilities. - Import Insurance Policies - Capital Needs & Expenses All levels of RazorPlan determine the need for insurance but the advanced life insurance planning feature allows advisors to import insurance data from insurance company programs. [Capital Needs](https://vimeo.com/1124152125) with this feature, to offer a premium advice to your customers - Sequence of Returns - Excess Income Manager - Decumulation Optimization [Determine the optimal retirement](/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) withdrawal strategy to either maximize estate or maximize retirement income - Solve CPP & OAS Ages - Get Your Plan - - RazorPlan - RazorPlan - $62/ month $744 per year - $669 save $75/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- - --- - --- - --- - --- - --- - --- [Try now](https://idc.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&lang=en-CA&appInfo=PlanWebsite_EN) - - RazorPlan Advanced - RazorPlan Advanced - $89/ month $1,068 per year - $961 save $107/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- [try now](https://idc.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN) --- ### [RazorPlan Partner: Raymond James (FR)](https://razorplan.com/fr/raymond-james/) **Published:** September 2, 2025 **Author:** lorenzo noventa **Content:** EN \| [FR](https://razorplan.com/fr/raymond-james/) ![](https://razorplan.com/wp-content/uploads/2025/08/razorplan-Raymond-James.svg) # RazorPlan and **Raymond James** Commencez dès aujourd’hui avec RazorPlan et aidez vos clients à se concentrer sur l’essentiel. [Obtenez un essai gratuit](https://nestwealthplus.razorplan.com/?isShowRegister=True&isInsurance=True&plan_id=1&plan_id=1&plan_id=1)[Se connecter](https://rjn.razorplan.com/) ## **Establish the Engagement** Using the client facing RazorLeads tool built into RazorPlan your clients can enter initial data and determine their potential retirement income. This data is then automatically used to start the analysis and planning process. ![Senior Couple Meeting with Financial Advisor](https://razorplan.com/wp-content/uploads/2025/08/Senior-Couple-Meeting-with-Financial-Advisor-2025.webp) ## **Analyze the Situation** RazorPlan’s algorithms run intuitive calculations on your behalf. Allowing you to quickly analyze a client’s financial and risk management needs while helping them understand the importance of your recommendations. ![Analyze the retirement situation with RazorPlan](https://razorplan.com/wp-content/uploads/2025/08/RazorPlan-analize-situation.webp) ## **Deliver the Results** Choose from multiple client reports that each take a different approach to delivering the client analysis. Depending on the type and scope of a client meeting, you can print the report that best corresponds to your client’s situation. ![Advisor shows investment portfolio report on tablet](https://razorplan.com/wp-content/uploads/2025/08/advisor-shows-investment-portfolio-report-on-tablet.webp) **Special pricing**: 10% off regular price Payez par mois ou économisez avec un abonnement annuel ↓ Annuellement Basculer entre le plan annuel et le plan mensuel Mensuel - ← Choisissez votre abonnement → - $20 any text - Analyse des options de retraite Identifiez rapidement si les clients ont suffisamment d'argent pour la retraite grâce à des [calculs automatiques d'options supplémentaires.](/wp-content/uploads/2025/08/RZ-Retirement.jpg) - Rapports conviviaux - Concepts et calculateurs - Collecte de données pour les clients - Assistance téléphonique gratuite et par courriel - Planification de scénarios - Planification pour les propriétaires d'entreprise Créez facilement des plans qui montrent aux clients propriétaires d’entreprise leurs objectifs en intégrant les [actifs personnels et professionnels.](/wp-content/uploads/2025/08/RZ-Retired-Business-Owner.jpg) - Planification successorale avancée Offrez aux propriétaires d’entreprise une [planification post-mortem ](/wp-content/uploads/2025/08/Corporate-Post-Mortem-Report.png) puissante qui prend en compte les gains en capital, la double imposition et la planification des pipelines. - Planification de l'assurance-vie Intégrez les primes, les prestations de décès et les valeurs de rachat [dans des plans détaillés](/wp-content/uploads/2025/08/Rp_Risk_management.png) à l’aide des utilitaires d’importation d’assurance-vie. - Importation de polices d'assurance - Besoins et dépenses en capital Tous les niveaux de RazorPlan déterminent les besoins d'assurance, mais la [fonctionnalité avancée de planification de l'assurance](https://vimeo.com/1124152125) vie permet aux conseillers d'importer des données d'assurance depuis les programmes des compagnies d'assurance. Grâce à cette fonctionnalité, vous pouvez offrir des conseils de qualité à vos clients. - Séquence de rendement - Gestionnaire des revenus excédentaires - Optimisation du décaissement [Déterminer la stratégie de retrait optimale](/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) pour la retraite afin de maximiser la succession ou de maximiser le revenu de retraite - Résolution des problèmes d'âge liés au RPC et à la SV - Obtenez votre plan - - RazorPlan - RazorPlan - $62/ mois $744 par an - $669 économisez $75/an - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- - --- - --- - --- - --- - --- - --- Essayer - - RazorPlan Advanced - RazorPlan Advanced - $89/ mois $1,068 par an - $961 économisez $107/an - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- Essayer --- ### [RazorPlan Partner: HUB Financial (FR)](https://razorplan.com/fr/hub-financial/) **Published:** September 2, 2025 **Author:** lorenzo noventa **Content:** EN \| [FR](https://razorplan.com/fr/hub-financial/) ![](https://razorplan.com/wp-content/uploads/2025/08/razorplan-Hub-partner.svg) # RazorPlan and **HUB Financial** Commencez dès aujourd’hui avec RazorPlan et aidez vos clients à se concentrer sur l’essentiel. [Obtenez un essai gratuit](https://hub.razorplan.com/?isShowRegister=True&isInsurance=True&plan_id=1&plan_id=1&plan_id=1)[Se connecter](https://hub.razorplan.com/) ## **Establish the Engagement** Using the client facing RazorLeads tool built into RazorPlan your clients can enter initial data and determine their potential retirement income. This data is then automatically used to start the analysis and planning process. ![Senior Couple Meeting with Financial Advisor](https://razorplan.com/wp-content/uploads/2025/08/Senior-Couple-Meeting-with-Financial-Advisor-2025.webp) ## **Analyze the Situation** RazorPlan’s algorithms run intuitive calculations on your behalf. Allowing you to quickly analyze a client’s financial and risk management needs while helping them understand the importance of your recommendations. ![Analyze the retirement situation with RazorPlan](https://razorplan.com/wp-content/uploads/2025/08/RazorPlan-analize-situation.webp) ## **Deliver the Results** Choose from multiple client reports that each take a different approach to delivering the client analysis. Depending on the type and scope of a client meeting, you can print the report that best corresponds to your client’s situation. ![Advisor shows investment portfolio report on tablet](https://razorplan.com/wp-content/uploads/2025/08/advisor-shows-investment-portfolio-report-on-tablet.webp) **Special pricing**: 10% off regular price Payez par mois ou économisez avec un abonnement annuel ↓ Annuellement Basculer entre le plan annuel et le plan mensuel Mensuel - ← Choisissez votre abonnement → - $20 any text - Analyse des options de retraite Identifiez rapidement si les clients ont suffisamment d'argent pour la retraite grâce à des [calculs automatiques d'options supplémentaires.](/wp-content/uploads/2025/08/RZ-Retirement.jpg) - Rapports conviviaux - Concepts et calculateurs - Collecte de données pour les clients - Assistance téléphonique gratuite et par courriel - Planification de scénarios - Planification pour les propriétaires d'entreprise Créez facilement des plans qui montrent aux clients propriétaires d’entreprise leurs objectifs en intégrant les [actifs personnels et professionnels.](/wp-content/uploads/2025/08/RZ-Retired-Business-Owner.jpg) - Planification successorale avancée Offrez aux propriétaires d’entreprise une [planification post-mortem ](/wp-content/uploads/2025/08/Corporate-Post-Mortem-Report.png) puissante qui prend en compte les gains en capital, la double imposition et la planification des pipelines. - Planification de l'assurance-vie Intégrez les primes, les prestations de décès et les valeurs de rachat [dans des plans détaillés](/wp-content/uploads/2025/08/Rp_Risk_management.png) à l’aide des utilitaires d’importation d’assurance-vie. - Importation de polices d'assurance - Besoins et dépenses en capital Tous les niveaux de RazorPlan déterminent les besoins d'assurance, mais la [fonctionnalité avancée de planification de l'assurance](https://vimeo.com/1124152125) vie permet aux conseillers d'importer des données d'assurance depuis les programmes des compagnies d'assurance. Grâce à cette fonctionnalité, vous pouvez offrir des conseils de qualité à vos clients. - Séquence de rendement - Gestionnaire des revenus excédentaires - Optimisation du décaissement [Déterminer la stratégie de retrait optimale](/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) pour la retraite afin de maximiser la succession ou de maximiser le revenu de retraite - Résolution des problèmes d'âge liés au RPC et à la SV - Obtenez votre plan - - RazorPlan - RazorPlan - $62/ mois $744 par an - $669 économisez $75/an - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- - --- - --- - --- - --- - --- - --- [Essayer](https://hub.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&lang=fr-CA&appInfo=PlanWebsite_FR) - - RazorPlan Advanced - RazorPlan Advanced - $89/ mois $1,068 par an - $961 économisez $107/an - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- [Essayer](https://hub.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR) --- ### [RazorPlan Partner: HUB Financial](https://razorplan.com/hubfinancial/) **Published:** August 20, 2025 **Author:** lorenzo noventa **Content:** EN \| [FR](https://razorplan.com/fr/hub-financial/) ![](https://razorplan.com/wp-content/uploads/2025/08/razorplan-Hub-partner.svg) # RazorPlan and **HUB Financial** Get started with RazorPlan today and help your clients focus on what’s important. [Start My Free Trial](https://hub.razorplan.com/?isShowRegister=True&isInsurance=True&plan_id=1&plan_id=1&plan_id=1)[Log In](https://hub.razorplan.com/) ## **Establish the Engagement** Using the client facing RazorLeads tool built into RazorPlan your clients can enter initial data and determine their potential retirement income. This data is then automatically used to start the analysis and planning process. ![Senior Couple Meeting with Financial Advisor](https://razorplan.com/wp-content/uploads/2025/08/Senior-Couple-Meeting-with-Financial-Advisor-2025.webp) ## **Analyze the Situation** RazorPlan’s algorithms run intuitive calculations on your behalf. Allowing you to quickly analyze a client’s financial and risk management needs while helping them understand the importance of your recommendations. ![Analyze the retirement situation with RazorPlan](https://razorplan.com/wp-content/uploads/2025/08/RazorPlan-analize-situation.webp) ## **Deliver the Results** Choose from multiple client reports that each take a different approach to delivering the client analysis. Depending on the type and scope of a client meeting, you can print the report that best corresponds to your client’s situation. ![Advisor shows investment portfolio report on tablet](https://razorplan.com/wp-content/uploads/2025/08/advisor-shows-investment-portfolio-report-on-tablet.webp) **Special pricing**: 10% off regular price Pay per month or save with annual subscription ↓ Annually Annual / Monthly plan toggle Monthly - ← Choose your Plan → - $20 any text - Retirement Option Analysis Quickly identify if clients have enough for retirement with automatically [calculations of additional options.](/wp-content/uploads/2025/08/RZ-Retirement.jpg) - Client Friendly Reports - Concepts & Calculators - Client Facing Data Gathering - Toll-Free & Email Support - Scenario Planning - Business Owner Planning Easily create plans that show business owner clients their goals by integrating personal and [corporate owned assets.](/wp-content/uploads/2025/08/RZ-Retired-Business-Owner.jpg) - Advanced Corporate Estate Planning Provide powerful [post-mortem planning](/wp-content/uploads/2025/08/Corporate-Post-Mortem-Report.png) for business owners that takes capital gains, double taxation and pipeline planning into consideration. - Life Insurance Planning Integrate premiums, death benefits and cash values into [detailed plans](/wp-content/uploads/2025/08/Rp_Risk_management.png) using the life insurance import utilities. - Import Insurance Policies - Capital Needs & Expenses All levels of RazorPlan determine the need for insurance but the advanced life insurance planning feature allows advisors to import insurance data from insurance company programs. [Capital Needs](https://vimeo.com/1124152125) with this feature, to offer a premium advice to your customers - Sequence of Returns - Excess Income Manager - Decumulation Optimization [Determine the optimal retirement](/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) withdrawal strategy to either maximize estate or maximize retirement income - Solve CPP & OAS Ages - Get Your Plan - - RazorPlan - RazorPlan - $62/ month $744 per year - $669 save $75/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- - --- - --- - --- - --- - --- - --- [Try now](https://hub.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&lang=en-CA&appInfo=PlanWebsite_EN) - - RazorPlan Advanced - RazorPlan Advanced - $89/ month $1,068 per year - $961 save $107/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- [try now](https://hub.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN) --- ### [Partner Training: Raymond James](https://razorplan.com/training-raymondjames/) **Published:** August 19, 2025 **Author:** lorenzo noventa **Content:** ![](https://razorplan.com/wp-content/uploads/2025/08/razorplan-Raymond-James.svg) # RazorPlan **Training** A series of recorded webinars for Raymond James advisors. - [RazorPlan Fundamentals](#tab_6ad2b3858ea9f) - [RazorPlan Applications – RESP Planner](#tab_6ad2b3858eaa4) - [Retirement Projections](#tab_6ad2b3858eaa7) - [Scenarios and Allocate Withdrawals](#tab_6ad2b3858eaaa) - [Insurance Planning](#tab_6ad2b3858eaac) - [Corporate Planning](#tab_6ad2b3858eaae) - [Razor Leads](#tab_6ad2b3858eab0) ## **RazorPlan Fundamentals** Learn the basic building blocks of using RazorPlan. This beginner level session will cover how to enter data into RazorPlan and provide key tips to help make the data entry process smooth. Then the session will focus on reviewing the results of the data entered and how to produce a report. ## **RazorPlan Applications – RESP Planner** RazorPlan applications are tools and calculators that can be used in conjunction with a financial plan or on their own. In this session you will learn how to use the RESP Planner application to determine how much needs to be saved for a family’s education needs. The session will cover enter beneficiaries and their future education expenses. The session will cover how to use the built in solve feature to determine the Registered Education Saving Plan contributions. ## **Retirement Projections** Understanding how to analyze a couple’s retirement projections is essential to becoming a power user of RazorPlan. In this session you will learn the basics of retirement projection analysis using RazorPlan. The session will give you a base understanding of the retirement projections and then help you analysis common retirement questions clients have such as: - How does changing the start ages for CPP and OAS benefits impact their retirement? - What happens if they downsize their home? - Can they afford to provide a gift to their children to give them a head start? ## **Scenarios and Allocate Withdrawals** In Scenarios and Allocate Withdrawals, you will learn about the Scenarios feature in RazorPlan. This session will demonstrate how to use Scenarios by changing the solver settings and using the new Allocate Withdrawals feature. This feature lets you determine where retirement income should be sourced from between the Registered and Non-registered accounts. ## **Insurance Planning** Learn the basics of adding life insurance policies into RazorPlan. This session will cover understanding the calculation of Human Capital which is used to generate the need for insurance on all levels of RazorPlan. Then it will show how to enter life insurance data into RazorPlan so that the plans show the impact of both cash values and death benefits. ## **Corporate Planning** Learn the basics of using RazorPlan to create a financial plan for a business owner. This session will cover how to enter data into RazorPlan for a business owner and provide key tips to help make the data entry process smooth. Then the session will focus on reviewing the results of the data entered and how business data impacts the client’s personal plans. ## **Razor Leads** Razor Leads is a client facing tool that allows you to collect client data while providing clients with a quick calculation of their potential retirement income. In this session you will learn how to activate the Razor Leads tool, set up your advisor profile and accept client data from Razor Leads. The session will also provide some tips on how to use the link provided with Razor Leads. ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **RazorPlan has helped me show retirement and estate planning strategies as well as the need for long term care, term and/or permanent insurance to clients in a way that is easy to comprehend.** Terry Zavitz **Zavits Insurance & Wealth** ![](https://razorplan.com/wp-content/uploads/2025/08/terry-zavitz.webp) ![reversed pyramid, vector illustration](https://razorplan.com/wp-content/uploads/2025/07/CTA-tetra-3D.svg) NEWSRAZORPLAN BRAND A renewed energy sparks **RazorPlan’s evolution** [Switch the lights on](/razorplan-rebranding-2025) --- ### [RazorPlan Partner: Aligned Capital Partners](https://razorplan.com/alignedcapitalpartners/) **Published:** August 20, 2025 **Author:** lorenzo noventa **Content:** ![](https://razorplan.com/wp-content/uploads/2025/08/razorplan-aligned-capital-partner.svg) # RazorPlan and **Aligned Capital Partners** Get started with RazorPlan today and help your clients focus on what’s important. [Start My Free Trial](https://nestwealth.razorplan.com/?isShowRegister=True&isInsurance=True&plan_id=1&plan_id=1&plan_id=1)[Log In](https://nestwealthplus.razorplan.com/) ## **Establish the Engagement** Using the client facing RazorLeads tool built into RazorPlan your clients can enter initial data and determine their potential retirement income. This data is then automatically used to start the analysis and planning process. ![Senior Couple Meeting with Financial Advisor](https://razorplan.com/wp-content/uploads/2025/08/Senior-Couple-Meeting-with-Financial-Advisor-2025.webp) ## **Analyze the Situation** RazorPlan’s algorithms run intuitive calculations on your behalf. Allowing you to quickly analyze a client’s financial and risk management needs while helping them understand the importance of your recommendations. ![Analyze the retirement situation with RazorPlan](https://razorplan.com/wp-content/uploads/2025/08/RazorPlan-analize-situation.webp) ## **Deliver the Results** Choose from multiple client reports that each take a different approach to delivering the client analysis. Depending on the type and scope of a client meeting, you can print the report that best corresponds to your client’s situation. ![Advisor shows investment portfolio report on tablet](https://razorplan.com/wp-content/uploads/2025/08/advisor-shows-investment-portfolio-report-on-tablet.webp) **Special pricing**: 10% off regular price Pay per month or save with annual subscription ↓ Annually Annual / Monthly plan toggle Monthly - ← Choose your Plan → - $20 any text - Retirement Option Analysis Quickly identify if clients have enough for retirement with automatically [calculations of additional options.](/wp-content/uploads/2025/08/RZ-Retirement.jpg) - Client Friendly Reports - Concepts & Calculators - Client Facing Data Gathering - Toll-Free & Email Support - Scenario Planning - Business Owner Planning Easily create plans that show business owner clients their goals by integrating personal and [corporate owned assets.](/wp-content/uploads/2025/08/RZ-Retired-Business-Owner.jpg) - Advanced Corporate Estate Planning Provide powerful [post-mortem planning](/wp-content/uploads/2025/08/Corporate-Post-Mortem-Report.png) for business owners that takes capital gains, double taxation and pipeline planning into consideration. - Life Insurance Planning Integrate premiums, death benefits and cash values into [detailed plans](/wp-content/uploads/2025/08/Rp_Risk_management.png) using the life insurance import utilities. - Import Insurance Policies - Capital Needs & Expenses All levels of RazorPlan determine the need for insurance but the advanced life insurance planning feature allows advisors to import insurance data from insurance company programs. [Capital Needs](https://vimeo.com/1124152125) with this feature, to offer a premium advice to your customers - Sequence of Returns - Excess Income Manager - Decumulation Optimization [Determine the optimal retirement](/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) withdrawal strategy to either maximize estate or maximize retirement income - Solve CPP & OAS Ages - Get Your Plan - - RazorPlan - RazorPlan - $62/ month $744 per year - $669 save $75/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- - --- - --- - --- - --- - --- - --- Try now - - RazorPlan Advanced - RazorPlan Advanced - $89/ month $1,068 per year - $961 save $107/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- try now --- ### [Financial Calculators](https://razorplan.com/financialcalculators/) **Published:** July 24, 2025 **Author:** leo **Content:** Financial calculators # **Get answers** to your clients’ most pressing financial questions [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/)You can simulate loans, mortgages, taxes and much more with RazorPlan financial calculators – ready and easy to use! ## **Smart financial calculators**, free to use These calculators can be used directly on this page, or embedded to your own website. ## **Need to use the calculators now?** Just find the calculators you need, watch the tutorial and use it. Free calculations with Immediate results. ## **Want to add a calculator to your website?** Yes, you can embed any calculator on your web pages! Just follow the guidelines. [View instructions](/wp-content/uploads/2025/09/Free-Calculators-Copy-Instructions.png) ## **Explore RazorPlan calculators** ### **Featured** ## **Budget Planner** Whether you are conducting an annual review, meeting with a prospective client or presenting a full financial plan, RazorPlan has a report to handle the situation. [Learn](https://vimeo.com/1129234651)[Launch](https://gen.razorplan.com/Account/RazorToolsUtility/BudgetPlanner) ## **Life Insurance Needs** The Life Insurance Needs Calculator lets you estimate the amount of life insurance coverage you and your spouse / partner require [Learn](https://vimeo.com/1129234378)[Launch](https://gen.razorplan.com/Account/RazorToolsUtility/LifeInsuranceNeeds) ### All Calculators ### Income Tax Calculator The Income Tax Calculator estimates the amount of tax you will be required to pay on the various sources of income earned. If you are an employee, use the calculator to estimate the potential tax savings from RRSP contributions. If you are self-employed, use the calculator to estimate changes to income tax based on how you draw your income. [Learn](https://vimeo.com/1129244318)[Launch](https://gen.razorplan.com/Account/RazorToolsUtility/IncomeTaxCalculator) ### Terminal Tax Calculator The Terminal Tax Calculator estimates the amount of taxes your estate will be required to pay in the year of your death (assuming no surviving spouse / partner). [Learn](https://vimeo.com/1129234583)[Launch](https://gen.razorplan.com/Account/RazorToolsUtility/TerminalTaxCalculator) ### Mortgage calculator Calculate the impact various payment assumptions will have on the number of years until your mortgage is paid. Two scenarios and optional payment modes allow you to explore multiple strategies at once. [Learn](https://vimeo.com/1129234406)[Launch](https://gen.razorplan.com/Account/RazorToolsUtility/MortgageCalculator) ### Investment Leverage The Investment Leverage Calculator lets you compare an interest-only investment loan to making regular monthly savings. The strategy that produces a larger investment balance at retirement may warrant further consideration in your planning. [Learn](https://vimeo.com/1129245714)[Launch](https://gen.razorplan.com/Account/RazorToolsUtility/InvestmentLeverage) ### RRSP Calculator Estimate the future value of your RRSP investment, given various assumptions. You can use the RRSP calculator to see the impact various savings and return assumptions may have on your investment. [Learn](https://vimeo.com/1129234442)[Launch](https://gen.razorplan.com/Account/RazorToolsUtility/RRSPCalculator) ### RRIF Calculator The RRIF Calculator estimates the future withdrawals you will need to make from your RRIF based upon the prescribed minimums. You can also use the RRIF calculator to estimate how long you can withdraw a set amount from your RRIF before running out of money. [Learn](https://vimeo.com/1129234476)[Launch](https://gen.razorplan.com/Account/RazorToolsUtility/RRIFCalculator) ### RRSP Loan The RRSP Loan Calculator lets you compare borrowing to invest a lump-sum in your RRSP today vs. making regular monthly contributions to your RRSP. The strategy that produces the larger RRSP balance at retirement may warrant further consideration in your planning. [Learn](https://vimeo.com/1129234510)[Launch](https://gen.razorplan.com/Account/RazorToolsUtility/RRSPLoanCalculator) ### RRSP vs. Mortgage Compare investing a lump-sum in your RRSP today vs. paying down your mortgage and investing future mortgage savings in your RRSP. The strategy that produces the larger RRSP balance at retirement may warrant further consideration in your planning. [Learn](https://vimeo.com/1129234689)[Launch](https://gen.razorplan.com/Account/RazorToolsUtility/RRSPvsMortgage) ### RRSP vs. Non-RRSP The RRSP vs. Non-RRSP Calculator lets you compare investing in your RRSP to investing the after-tax equivalent in an investment vehicle where the interest is taxable when earned. The strategy that produces the larger “After-Tax Retirement Income” may warrant further consideration in your planning. [Learn](https://vimeo.com/1129234544)[Launch](https://gen.razorplan.com/Account/RazorToolsUtility/RRSPvsNonRRSP) ### TFSA vs. RRSP The TFSA vs. RRSP Calculator lets you compare investing in the 2 most popular tax-assisted investments available to Canadians. The strategy that produces the larger “After-Tax Retirement Income” may warrant further consideration in your planning. [Learn](https://vimeo.com/1129234607)[Launch](https://gen.razorplan.com/Account/RazorToolsUtility/TFSAvsRRSP) ### Budget Planner Whether you are conducting an annual review, meeting with a prospective client or presenting a full financial plan, RazorPlan has a report to handle the situation. [Learn](https://vimeo.com/1129234651)[Launch](https://gen.razorplan.com/Account/RazorToolsUtility/BudgetPlanner) ### Life Insurance Needs The Life Insurance Needs Calculator lets you estimate the amount of life insurance coverage you and your spouse / partner require [Learn](https://vimeo.com/1129234378)[Launch](https://gen.razorplan.com/Account/RazorToolsUtility/LifeInsuranceNeeds) ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) --- ### [The Essential Decumulation Toolkit](https://razorplan.com/decumulation-tool-kit-retirement-planning/) **Published:** July 28, 2025 **Author:** leo **Content:** # Retirement income planning **unveiled** [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/)The complete guide to create a retirement income planning experience your clients will value and act on. - [What is the Kit](#tab_6ad2b385a69d2) - [Collect Client Data](#tab_6ad2b385a69d7) - [Financial Assessment](#tab_6ad2b385a69da) - [Government benefits](#tab_6ad2b385a69dd) - [What Matters Most](#tab_6ad2b385a69df) - [Income Planning](#tab_6ad2b385a69e1) - [Legacy Planning](#tab_6ad2b385a69e3) ## **What is the Essential Decumulation Toolkit** For most clients, retirement planning is about the accumulation of RRSP, TFSA and other investments so they will have the money they need to enjoy retirement. This phase of retirement planning has traditionally focused on strategies involving asset allocation, risk management and tax efficiency, with the goal of improving returns. However upon retirement, planning must shift from saving (accumulation) to spending (decumulation). Decumulation planning refers to the strategic spending of assets to achieve various retirement goals. It’s much more complex than accumulation planning because you now must help clients decide how much and in what order they will spend the different assets they have accumulated, and when to apply for CPP and OAS benefits. Get it wrong, and it could cost your clients hundreds of thousands in lost wealth over their lifetime. *This Essential Decumulation Toolkit helps you create a retirement income planning experience your clients will value and act on. The video above outlines all of the components of this toolkit and how to use them.* ## **The decumulation opportunity** According to Statistics Canada, in 2020 an average of 38,000 Canadians reached the age of 65 every month. This number is expected to increase as the population ages, with projections showing that by 2036, the number of Canadians aged 65 and older will reach 10.9 million, comprising nearly one-quarter of the population. Our analysis of over 100,000 RazorPlan engagements highlights the opportunity decumulation planning offers as Canadians transition from saving to spending over the next decade. ![planning engagement age](https://razorplan.com/wp-content/uploads/2025/07/decumulation-kit-03.webp) 50% of planning engagemens are with clients between 55 and 70. ![Decumulation - average after tax income (icon)](https://razorplan.com/wp-content/uploads/2025/07/decumulation-kit-02.webp) $82,300 is the average after-tax income goal for clients in this age bracket ![decumulation kit - excess capital](https://razorplan.com/wp-content/uploads/2025/07/decumulation-kit-04.webp) $1,053,000 is the average investment capital clients have when they retire ![Decumulation - Average excess capital (icon)](https://razorplan.com/wp-content/uploads/2025/07/decumulation-kit-01.webp) $193,000 is the average excess capital they can allocate to other goals and estate planning ## **Collect data** The 80/20 rule of personal finance states that 80% of a retirement plan is created with 20% of the client’s information. The RazorPlan data entry wizard focuses on the 20%, and is the reason why you can create a financial analysis in under 15 minutes that will engage your client in meaningful discussion. This will allow you to further qualify clients and eliminate wasted time and effort on people that do not recognize the value you provide. This **Client Questionnaire** mirrors the RazorPlan data entry wizard and collects everything needed to create a retirement analysis complete with estate projections in just minutes. [View the Client Questionnaire](/wp-content/uploads/2025/08/ClientQuestionnaire.pdf) **RazorPlan Advisor Guide**This guide provides information on using the client questionnaire and program. See guide [Open manual in a new window](https://www.manula.com/manuals/razorplan/razormanual/1/en/topic/fact-finder) **Getting started** This video explains how to get started in RazorPlan and collect data. Watch [Watch the video, opens in a lightbox (popover)](https://vimeo.com/1124190659) ## **Financial Assessment** With 80/20 data entered in RazorPlan, you are now ready to review the Retirement Options chart with your client. The Retirement Options chart analyzes the 4 Primary Planning Options available to the client. These 4 options are the basic changes, or Next Best Actions, needed to eliminate future cash flow excesses or deficiencies. Combined, they will provide answers to the most common questions people have about their retirement: - Are my goals realistic based on my current income? - Where should I be invested based on the goals I have? - How much of my income do I need to contribute to my goals? - What is the one thing I should focus on accomplishing first? This *Financial Review Checklist* will streamline your analysis and help you identify any areas of concern that may prevent your client from achieving their goals, and the next steps that should be taken. [Financial review checklist](/wp-content/uploads/2025/07/Financial-Review-Checklist-Fillable.pdf) **Financial review advisory guide** This guide outlines how to interpret the results of the Financial Review Checklist. See guide [Open the financial review advisory guide (in a new window)](/wp-content/uploads/2025/09/Financial-Review-Checklist-Guide-compressed.pdf) **Cash flow video**This short video explains the Cash Flow section of the Financial Review Checklist. Watch [Watch the video (opens in a lightbox)](https://vimeo.com/1125132500) **Financial Assets video**This short video explains the Financial Assets section of the Financial Review Checklist. Watch [Watch the video (opens in a lightbox)](https://vimeo.com/1125132470) **Income tax video**This short video explains the Income Tax section of the Financial Review Checklist. Watch [Watch the video (opens in a lightbox)](https://vimeo.com/1125132671) **Insurance video**This short video explains the Insurance section of the Financial Review Checklist. Watch [Watch the video (opens in a lightbox)](https://vimeo.com/1125132555) **Next steps video**This short video explains the Next Steps section of the Financial Review Checklist. Watch [Watch the video (opens in a lightbox)](https://vimeo.com/1125132583) ## **Government benefits** For many of your clients, Canada Pension Plan (CPP) and Old Age Security (OAS) benefits will represent an important source of guaranteed income in retirement. Many people will apply for benefits as soon as they are eligible without much consideration of the bigger picture and the importance of mitigating longevity risk. Optimizing the lifetime value of government benefits is a key component of an effective decumulation strategy, and can help to significantly reduce the chance your client will outlive their money. This *CPP/OAS Checklist* will help your clients better understand when and when not to consider applying for CPP and OAS benefits as part of their overall decumulation strategy. [CPP / OAS checklist](/wp-content/uploads/2025/07/CPP-OAS-Checklist-Fillable.pdf) **CPP / OAS advisor guide** This guide outlines how to interpret the results of the CPP / OAS Checklist. See guide [Open the CPP / OAS advisor guide (in a new window)](/wp-content/uploads/2025/09/CPP-OAS-Checklist-Guide.pdf) **CPP / OAS checklist video**This short video explains the CPP / OAS Checklist Watch [Watch the video (opens in a lightbox)](https://vimeo.com/1125132636) ## **What Matters Most** Before you can advise a client on an appropriate decumulation strategy, you need to first understand what matters most to them when spending what they have taken a lifetime to accumulate. Are they most interested in preserving their estate, or maximizing their ability to spend? How long do they need their money to last and what criteria will they use to measure the value of your recommendations? Make the wrong assumptions when recommending a decumulation strategy and you risk costing your client hundreds of thousands in lost wealth over their lifetime. This *Decumulation Checklist* will help your client to communicate what is most important to them in this phase of their retirement planning journey. [Decumulation checklist](/wp-content/uploads/2025/07/Decumulation-Checklist-Fillable.pdf) **Decumulation advisor guide** This guide outlines how to interpret the results of the Decumulation Checklist. See guide [Open the Decumulation Advisor Guide (in a new window)](/wp-content/uploads/2025/09/Decumulation-Checklist-Guide.pdf) **Decumulation Checklist video**This short video explains the Decumulation Checklist. Watch [Watch the video (opens in a lightbox)](https://vimeo.com/1125132611) ## **Income Planning** When a client desires more income than their savings will provide, they may want to unlock some of the equity in their home by downsizing. As an alternative, there are strategies that use the equity to create tax-free income without having to move. Commonly referred to as a reverse mortgage line of credit, these products when combined with permanent life insurance create an Insured Retirement Plan (IRP). The home equity line of credit is used to create monthly tax-free income, while the life insurance preserves the value of the estate. An IRP can be an effective financial strategy, but it is not for everyone. Like any complex financial strategy you need to weigh the pros and cons before recommending it to a client. This *Income Focus Checklist* will help to explain to a client how the strategy works, and if it is something they may want to consider. [Income focus checklist](/wp-content/uploads/2025/07/Income-Focus-Checklist-Fillable.pdf) **Income focus advisor guide** This guide outlines how to interpret the results of the Income Focus Checklist. See guide [Open the Income focus Advisor Guide (in a new window)](/wp-content/uploads/2025/09/Income-Focus-Checklist-Guide.pdf) **Income focus checklist video**This short video explains the Income Focus Checklist. Watch [Watch the video (opens in a lightbox)](https://vimeo.com/1125132671) ## **Legacy Planning** When recommending a decumulation plan to a client, there are three key performance indicators (KPI) that should be considered. These include after-tax retirement income, pre-tax investment value, and after-tax estate value. Knowing what your client’s decumulation biases are (see What Matter Most above) will determine which KPI should be used in your analysis. For clients that have a goal to provide an estate for the benefit of loved ones, including a life insurance recommendation as part of a decumulation plan may improve overall results. An Estate Bond is a planning concept that takes advantage of the tax-preferred treatment of permanent life insurance, but it is not for everyone. You need to weigh the pros and cons before recommending it to a client. This *Estate Focus Checklist* will help to explain to a client how the concept works, and if it is something they may want as part of a broader decumulation plan. [Estate focus checklist](/wp-content/uploads/2025/07/Estate-Focus-Checklist-Fillable.pdf) **Estate focus advisor guide** This guide outlines how to interpret the results of the Estate Focus Checklist. See guide [Open theEstate Focus Advisor Guide (in a new window)](/wp-content/uploads/2025/09/Estate-Focus-Checklist-Guide.pdf) **Estate focus checklist video**This short video explains the Estate Focus Checklist. Watch [Watch the video (opens in a lightbox)](https://vimeo.com/1125132692) ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **RazorPlan has helped me show retirement and estate planning strategies as well as the need for long term care, term and/or permanent insurance to clients in a way that is easy to comprehend.** Terry Zavitz **Zavits Insurance & Wealth** ![](https://razorplan.com/wp-content/uploads/2025/08/terry-zavitz.webp) --- ### [Client Questionnaires](https://razorplan.com/clientquestionnaires/) **Published:** July 30, 2025 **Author:** lorenzo noventa **Content:** Questionnaires # **Fact finders** to streamline the planning process [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) **RazorPlan provides advisors with client data gathering documents which collect the information needed to create financial plans and reports.** Depending on the area of the program you are using there are fact finders to help make the planning process more efficient. **Full Client Questionnaire** This fact finding tool mirrors the data entry screens of the RazorPlan program and collects all of the data needed to create a full financial plan. This fillable PDF file can be downloaded, renamed and used with all of your clients. preview [Open the financial review advisory guide (in a new window)](/wp-content/uploads/2025/08/ClientQuestionnaire.pdf) **Budget Planner** Use this questionnaire to find out your clients’ monthly or annual incomes and expenses. Designed to work with the RazorPlan Budget Planner application this fillable PDF file collects information about sources of income and detailed expense categories, including customizable categories. preview [Open the financial review advisory guide (in a new window)](/wp-content/uploads/2025/08/RazorPlan_BudgetPlanner.pdf) **Debt Planner** The Debt Planner of RazorPlan will determine the best order to pay off a client’s debts. Use this questionnaire to collect all of the client’s debt amounts, payment and other debt details. This fact finder is fillable and can be sent to your client with debts. preview [Open the financial review advisory guide (in a new window)](/wp-content/uploads/2025/08/RazorPlan_DebtPlanner.pdf) **Net Worth** Collect the information about your client’s assets and liabilities to enter into the Net Worth application. This questionnaire collects information about personal use property, savings, investments, real estate, secured and unsecured debts, along with corporate assets and liabilities. preview [Open the financial review advisory guide (in a new window)](/wp-content/uploads/2025/08/RazorPlan_NetWorth.pdf) **RESP planner** The RESP Planner application can be used to model saving for post-secondary education in a Registered Education Savings Plan. This fact finder can be used to collect information about the RESP holdings and beneficiaries, it also collects all of the potential education expenses. preview [Open the financial review advisory guide (in a new window)](/wp-content/uploads/2025/08/RazorPlan_RESPPlanner.pdf) **Life Insurance needs** Use this questionnaire to collect the information needed to perform a detailed Life Insurance Needs analysis. Identifying the lump sum and monthly needs of a client in the event of death. preview [Open the financial review advisory guide (in a new window)](/wp-content/uploads/2025/08/RazorPlan_LifeInsuranceNeeds.pdf) **RRSP / RRIF Planner** The RRSP/RRIF Planner can be used to show multiple scenarios for deposits and withdrawals to RRSP and RRIF accounts. Use this questionnaire to collect information about the client’s RRSP accounts and planned contributions. preview [Open the financial review advisory guide (in a new window)](/wp-content/uploads/2025/08/RazorPlan_RRSPRRIFPlanner.pdf) **Return on Investment** Determining a client’s return on investment can be accomplished using the ROI application in RazorPlan. To use this application this questionnaire collects information about lump sum transactions, along with PAC and SWP transactions. preview [Open the financial review advisory guide (in a new window)](/wp-content/uploads/2025/08/RazorPlan_ROI.pdf) **Financial Goals** Quickly determine if a financial goal is achievable by using the Financial Goals application. This fact finder can be used to collect information about either a Savings or Income goal. preview [Open the financial review advisory guide (in a new window)](/wp-content/uploads/2025/08/RazorPlan_FinancialGoals.pdf) ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) ## **Latest blog posts** [All](#)[Assurance](#)[Blog (EN)](#)[Blog (EN)](#)[Cash flow](#)[Corporate planning](#)[Décumulation](#)[Decumulation](#)[Estate planning](#)[Financial Planning](#)[Flux de trésorerie](#)[General](#)[Général](#)[Guides (EN)](#)[Guides (FR)](#)[How-to](#)[Insurance](#)[Insurance](#)[Insurance](#)[Investing](#)[Investir](#)[Investments](#)[Mode d'emploi](#)[Planification d'entreprise](#)[Planification successorale](#)[Retirement](#)[Retiring](#)[Retraite](#)[RRSP](#) ![razorplan individual assets](https://razorplan.com/wp-content/uploads/2026/07/razorplan-individual-assets.webp) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)[Financial Planning](https://razorplan.com/category/blog/financialplanning-en/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature With the latest RazorPlan release, we've introduced a new Entry Type option across all investment data… 2026-07-21 ![Succession planning gap (concept)](https://razorplan.com/wp-content/uploads/2026/02/succession-planning-gap_razorplan-1024x678.jpg) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)[Financial Planning](https://razorplan.com/category/blog/financialplanning-en/)### Why business owners’ biggest planning gap comes after the sale As more Canadian business owners prepare to sell, a lack of formal succession and post-sale planning… 2026-02-25 ![3D glass bar chart](https://razorplan.com/wp-content/uploads/2026/02/3D-glass-bar-chart-1024x796.jpg) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)[Financial Planning](https://razorplan.com/category/blog/financialplanning-en/)### Protecting your Legacy: Planning for Private Company Shares When a shareholder passes away, the financial and tax implications for their estate can be substantial.… 2026-02-18 --- ### [Training and Guides](https://razorplan.com/training/) **Published:** July 28, 2025 **Author:** lorenzo noventa **Content:** Training # **Master your planning** with RazorPlan guides [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demostration/) ## ***Featured*** LIVE DEMOS ### **RazorPlan showcasing** - Pre and Post Retirement Cash Flow - Retirement Options - Financial Assets - Life Insurance Planning - Excess Cash Flow Manager - Client Reports [Go to webinars](/demonstration/) ![Razorplan Decumulation UIs](https://razorplan.com/wp-content/uploads/2025/07/razorplan-decumulation.webp) GUIDE [All](#)[FEATURED](#) ![](https://razorplan.com/wp-content/uploads/2025/09/guide-10.webp) [Premiers pas avec RazorPlan](https://razorplan.com/fr/guide/premiers-pas-avec-razorplan/)[Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/)### Premiers pas avec RazorPlan Vidéo de présentation de RazorPlan. Recommandée comme première vidéo à regarder. ## **Guides** #### Filter [All](#)[General](#)[How-to](#)[Retiring](#)[Investing](#)[Insurance](#)[Estate planning](#)[Corporate planning](#)[Decumulation](#)[Cash flow](#) ![](https://razorplan.com/wp-content/uploads/2025/10/guide-14.webp) [RazorPlan – “Cash Flow” release](https://razorplan.com/guide/razorplan-cash-flow-release/)[Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/)[How-to](https://razorplan.com/category/guides-en/training-how-to-en/)[Retirement](https://razorplan.com/category/blog/retirement-en/)### RazorPlan – “Cash Flow” release Introducing the RazorPlan "Cash Flow" release new features. ![](https://razorplan.com/wp-content/uploads/2025/09/guide-09.webp) [Chart Screen in RazorPlan](https://razorplan.com/guide/chart-screen-in-razorplan/)[General](https://razorplan.com/category/guides-en/training-general-en/)[How-to](https://razorplan.com/category/guides-en/training-how-to-en/)### Chart Screen in RazorPlan Overview of the charts screen in RazorPlan and how to… ![](https://razorplan.com/wp-content/uploads/2025/09/guide-11.webp) [RazorPlan Advanced Features](https://razorplan.com/guide/razorplan-advanced-features/)[General](https://razorplan.com/category/guides-en/training-general-en/)[How-to](https://razorplan.com/category/guides-en/training-how-to-en/)### RazorPlan Advanced Features Highlighting the features of RazorPlan Advanced ![](https://razorplan.com/wp-content/uploads/2025/09/guide-06.webp) [Pre-Retirement Cash Flow](https://razorplan.com/guide/pre-retirement-cash-flow/)[Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/)[How-to](https://razorplan.com/category/guides-en/training-how-to-en/)### Pre-Retirement Cash Flow Explainer video for the Pre-Retirement Cash Flow feature, which helps… ![](https://razorplan.com/wp-content/uploads/2025/09/guide-07.webp) [File Management](https://razorplan.com/guide/file-management/)[General](https://razorplan.com/category/guides-en/training-general-en/)[How-to](https://razorplan.com/category/guides-en/training-how-to-en/)### File Management Learn how to create, open, share, and forward client files… ![](https://razorplan.com/wp-content/uploads/2025/09/guide-08.webp) [Capital needs](https://razorplan.com/guide/capital-needs/)[Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/)[How-to](https://razorplan.com/category/guides-en/training-how-to-en/)### Capital needs Explainer video for the Capital Needs feature, which allows users… ![](https://razorplan.com/wp-content/uploads/2025/09/guide-10.webp) [Getting Started with RazorPlan](https://razorplan.com/guide/getting-started-with-razorplan/)[General](https://razorplan.com/category/guides-en/training-general-en/)### Getting Started with RazorPlan First introduction to RazorPlan ![](https://razorplan.com/wp-content/uploads/2025/09/guide-05.webp) [Investment Strategies](https://razorplan.com/guide/investment-strategies/)[How-to](https://razorplan.com/category/guides-en/training-how-to-en/)[Investing](https://razorplan.com/category/guides-en/training-investing-en/)### Investment Strategies Webinar showcasing various investment strategies that can be modeled in… ![](https://razorplan.com/wp-content/uploads/2025/09/guide-03.webp) [Insured Retirement Plans](https://razorplan.com/guide/insured-retirement-plans/)[Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/)[Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/)[Insurance](https://razorplan.com/category/guides-en/training-insurance-en/)### Insured Retirement Plans Webinar explaining the Insured Retirement Plan strategy using permanent life… ![](https://razorplan.com/wp-content/uploads/2025/09/guide-04.webp) [Estate Maximization](https://razorplan.com/guide/estate-maximization/)[Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/)[Insurance](https://razorplan.com/category/blog/insurance-en/)### Estate Maximization Webinar showing how to use life insurance for estate enhancement… ![](https://razorplan.com/wp-content/uploads/2025/09/guide-02.webp) [When to choose Estate or Net Worth](https://razorplan.com/guide/when-to-choose-estate-or-net-worth/)[Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/)[Retiring](https://razorplan.com/category/guides-en/training-retirement-en/)### When to choose Estate or Net Worth Video explaining how to optimize client outcomes in the Decumulation… ![](https://razorplan.com/wp-content/uploads/2025/09/guide-13.webp) [Getting Started with RazorPlan Decumulation](https://razorplan.com/guide/getting-started-with-razzorplan-decumulation/)[Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/)[General](https://razorplan.com/category/guides-en/training-general-en/)### Getting Started with RazorPlan Decumulation Introduction video to RazorPlan Decumulation. Recommended for subscribers of RazorPlan… ![](https://razorplan.com/wp-content/uploads/2025/09/guide-01.webp) [Selecting the Right Age](https://razorplan.com/guide/selecting-the-right-age/)[Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/)[How-to](https://razorplan.com/category/guides-en/training-how-to-en/)### Selecting the Right Age Understand how your assumptions will impact the outcome for your… ## Looking for answers? **Search our FAQs** Check out the question categories to find more information and how-to guides. - [Getting Started](/faq/?tab=getting-started) - [Account & Access](/faq/?tab=account-%26-access) - [Data Entry & Inputting Client Information](/faq/?tab=data-entry-%26-inputting-client-information) - [Analysis](/faq/?tab=analysis) - [Reporting](/faq/?tab=reporting) - [Implementation & Collaboration](/faq/?tab=implementation-%26-collaboration) - [Compliance & Data Security](/faq/?tab=compliance-%26-data-security) - [Troubleshooting & Support](/faq/?tab=troubleshooting-%26-support) ![reversed pyramid, vector illustration](https://razorplan.com/wp-content/uploads/2025/07/CTA-tetra-3D.svg) NEWSRAZORPLAN BRAND A renewed energy sparks **RazorPlan’s evolution** [Switch the lights on](/razorplan-rebranding-2025) ## **Latest blog posts** [All](#)[Assurance](#)[Blog (EN)](#)[Blog (EN)](#)[Cash flow](#)[Corporate planning](#)[Décumulation](#)[Decumulation](#)[Estate planning](#)[Financial Planning](#)[Flux de trésorerie](#)[General](#)[Général](#)[Guides (EN)](#)[Guides (FR)](#)[How-to](#)[Insurance](#)[Insurance](#)[Insurance](#)[Investing](#)[Investir](#)[Investments](#)[Mode d'emploi](#)[Planification d'entreprise](#)[Planification successorale](#)[Retirement](#)[Retiring](#)[Retraite](#)[RRSP](#) ![razorplan individual assets](https://razorplan.com/wp-content/uploads/2026/07/razorplan-individual-assets.webp) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)[Financial Planning](https://razorplan.com/category/blog/financialplanning-en/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature With the latest RazorPlan release, we've introduced a new Entry Type option across all investment data… 2026-07-21 ![Succession planning gap (concept)](https://razorplan.com/wp-content/uploads/2026/02/succession-planning-gap_razorplan-1024x678.jpg) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)[Financial Planning](https://razorplan.com/category/blog/financialplanning-en/)### Why business owners’ biggest planning gap comes after the sale As more Canadian business owners prepare to sell, a lack of formal succession and post-sale planning… 2026-02-25 ![3D glass bar chart](https://razorplan.com/wp-content/uploads/2026/02/3D-glass-bar-chart-1024x796.jpg) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)[Financial Planning](https://razorplan.com/category/blog/financialplanning-en/)### Protecting your Legacy: Planning for Private Company Shares When a shareholder passes away, the financial and tax implications for their estate can be substantial.… 2026-02-18 --- ### [Blog post landing](https://razorplan.com/blog/) **Published:** July 31, 2025 **Author:** lorenzo noventa **Content:** Blog – Posts & News # **Articles** to help you understand financial planning and RazorPlan [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) [Financial Planning](#)[Insurance](#)[Investments](#)[Retirement](#)[RRSP](#) ![razorplan individual assets](https://razorplan.com/wp-content/uploads/2026/07/razorplan-individual-assets.webp) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)[Financial Planning](https://razorplan.com/category/blog/financialplanning-en/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature Mike Howe 2026-07-21 ![Succession planning gap (concept)](https://razorplan.com/wp-content/uploads/2026/02/succession-planning-gap_razorplan-1024x678.jpg) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)[Financial Planning](https://razorplan.com/category/blog/financialplanning-en/)### Why business owners’ biggest planning gap comes after the sale Wealth Professional 2026-02-25 ![3D glass bar chart](https://razorplan.com/wp-content/uploads/2026/02/3D-glass-bar-chart-1024x796.jpg) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)[Financial Planning](https://razorplan.com/category/blog/financialplanning-en/)### Protecting your Legacy: Planning for Private Company Shares Mike Howe 2026-02-18 ![Post Heading image - for decoration](https://razorplan.com/wp-content/uploads/2023/03/frugal-flyer-V-CGr9T7kAM-unsplash-scaled-1-1024x683.jpg) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)[Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/)[Financial Planning](https://razorplan.com/category/blog/financialplanning-en/)[Investments](https://razorplan.com/category/blog/investments-en/)[Retirement](https://razorplan.com/category/blog/retirement-en/)[RRSP](https://razorplan.com/category/blog/rrsp-en/)### Optimizing your Retirement Strategy with RazorPlan Decumulation Mike Howe 2026-02-17 ![Post heading - decoration image](https://razorplan.com/wp-content/uploads/2019/03/iStock-502225376-Edited-Jun18-1024x683.jpg) [Report Customization: Your Brand. Your Reports. Perfectly Aligned!](https://razorplan.com/new-feature-report-customization/)[Financial Planning](https://razorplan.com/category/blog/financialplanning-en/)### Report Customization: Your Brand. Your Reports. Perfectly Aligned! Mike Howe 2026-01-29 ## Recent Posts [Financial Planning](#)[Investments](#) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) [Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/)### Improve Client Investment Planning with RazorPlan’s New Individual Assets Feature 2026-07-21 [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/) [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/why-business-owners-biggest-planning-gap-comes-after-the-sale/)### Why business owners’ biggest planning gap comes after the sale 2026-02-25 [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/)### Protecting your Legacy: Planning for Private Company Shares 2026-02-18 [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/)### Optimizing your Retirement Strategy with RazorPlan Decumulation 2026-02-17 ## Categories - [Blog EN ](https://razorplan.com/category/blog/) 39 - [Financial Planning](https://razorplan.com/category/blog/financialplanning-en/) 30 - [Insurance](https://razorplan.com/category/blog/insurance-en/) 4 - [Investments](https://razorplan.com/category/blog/investments-en/) 13 - [Retirement](https://razorplan.com/category/blog/retirement-en/) 14 - [RRSP](https://razorplan.com/category/blog/rrsp-en/) 9 - [Blog EN ](https://razorplan.com/fr/category/blog-fr/) 1 - [Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/) 1 - [Guides EN ](https://razorplan.com/category/guides-en/) 16 - [Cash flow](https://razorplan.com/category/guides-en/training-cash-flow-en/) 5 - [Corporate planning](https://razorplan.com/category/guides-en/training-corporate-planning-en/) 1 - [Decumulation](https://razorplan.com/category/guides-en/training-decumulation-en/) 3 - [Estate planning](https://razorplan.com/category/guides-en/training-estate-planning/) 2 - [General](https://razorplan.com/category/guides-en/training-general-en/) 6 - [How-to](https://razorplan.com/category/guides-en/training-how-to-en/) 8 - [Insurance](https://razorplan.com/category/guides-en/training-insurance-en/) 1 - [Investing](https://razorplan.com/category/guides-en/training-investing-en/) 1 - [Retiring](https://razorplan.com/category/guides-en/training-retirement-en/) 1 - [Guides FR ](https://razorplan.com/fr/category/guides-fr/) 13 - [Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/) 1 - [Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/) 3 - [Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/) 3 - [Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/) 4 - [Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/) 1 - [Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/) 8 - [Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/) 1 - [Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/) 2 - [Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/) 2 ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **RazorPlan is a great addition to our client services. It allows us to gain perspective and get into action faster and more easily. Now we’re implementing sooner and our clients report a better understanding of their planning fundamentals.”** Curtis Scoville **Scoville Financial Planning, Black Creek, BC** ![Curtis Scoville - portrait](https://razorplan.com/wp-content/uploads/2025/08/Curtis-Scoville.webp) The advantage of **partnering** Find the discounted pricing offered by our partners, and leverage exclusive training and support [Go to partner offering (opens in a new tab)](/raymondjames/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Raymondjames.webp) [Go to partner offering (opens in a new tab)](/hubfinancial/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Hub.webp) [Go to partner offering (opens in a new tab)](/idc/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_IDC-1.webp) [View partner offering (opens in a new tab)](/ppi/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_PPI.webp) [Go to partner offering (opens in a new tab)](/financialhorizons/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_financialHorizons.webp) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Serenialife.webp) ](/training-serenia-life/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Nestwealth.webp) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_customplan.webp) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_QFS.webp) [Go to partner offering (opens in a new tab)](/ifb/) ![Independent Financial Brokers Canada logo](https://razorplan.com/wp-content/uploads/2025/09/IFSB-C-logo-2.svg) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Raymondjames.webp) ](/raymondjames/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Hub.webp) ](/hubfinancial/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_IDC-1.webp) ](/idc/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_PPI.webp) ](/ppi/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_financialHorizons.webp) ](/financialhorizons/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Serenialife.webp) ](/training-serenia-life/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Nestwealth.webp) ](/nestwealth/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_customplan.webp) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_QFS.webp) ](/qfs/) [ ![Independent Financial Brokers Canada logo](https://razorplan.com/wp-content/uploads/2025/09/IFSB-C-logo-2.svg) ](/ifb/) --- ### [Sample Reports](https://razorplan.com/sample-reports/) **Published:** July 30, 2025 **Author:** lorenzo noventa **Content:** Sample Reports # **Every client is unique** with RazorPlan Reports [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demostration/) ## **Full Report** The full report from RazorPlan is a comprehensive financial plan that clearly outlines retirement options, shows projected cash flow and net worth, and highlights the need for personal and estate life insurance. **Key Features** - How to import life insurance policies - How to model insurance for estate creation and preservation - How to use the Minimum Estate Value feature **RazorPlan Report** A comprehensive, formal financial report that includes detailed charts, planning notes, and client-friendly ledgers. preview [Open the report (in a popover)](/wp-content/uploads/2025/09/Full-Report-RazorPlan-v25-opt.pdf) **RazorPlan Decumulation Report** A retirement focused report designed to illustrate optimal retirement withdrawal strategies. Can be added to full reports. preview [Open the report (in a popover)](/wp-content/uploads/2025/09/Decumulation-Sample-Report-v25-opt.pdf) **RazorPlan Advanced Report** Deals with investment savings, real estate, business interests and other assets. preview [Open the Advanced Financial Report (in a popover)](/wp-content/uploads/2025/09/Full-Report-Advanced-RazorPlan-v25-opt.pdf) ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) ## **Focused Planning** The Focused Planning reports of RazorPlan cover the six core competencies of financial planning. Each report is focused on one aspect of financial planning and displays the value of advice to clients. By focusing on what is important to the clients these reports give clients the confidence to purchase the products and services that improve their financial situation and help achieve their goals. **Key Features** - Compares two scenarios and displays improvement - Outlines the value of the financial advice - Report can be used standalone or as a complement to a full financial plans **Financial Management Report** A side-by-side scenario comparison showing how advice impacts net worth and cash flow over time. preview [Open the Financial Management Report (in a popover)](/wp-content/uploads/2025/09/Financial-Management_Sample-Report-v25.pdf) **Risk Management Report** An insurance needs analysis covering critical illness, disability, and long-term care protection. preview [Open the Risk Management Report (in a popover)](/wp-content/uploads/2025/09/Risk-Management_Sample-Report-v25.pdf) **Retirement Planning Report** A focused review of retirement goals, withdrawal strategies, and estate outcomes across scenarios. preview [Open the Retirement Readiness Number report (in a popover)](/wp-content/uploads/2025/09/Retirement-Planning_Sample-Report-v25.pdf) **Investment Management Report** A comparison of investment strategies that projects asset growth, cash flows, and financial position. preview [Open the Investment Management Report (in a popover)](/wp-content/uploads/2025/09/Investment-Management_Sample-Report-v25.pdf) **Tax Planning Report** A scenario comparison that highlights cumulative taxes paid and average tax rates. preview [Open the Tax Planning Report (in a new popover)](/wp-content/uploads/2025/09/Tax-Planning_Sample-Report-v25.pdf) **Estate Planning Report** An analysis of estate values and deferred taxes at second death, with scenario comparisons. preview [Open the Estate Planning Report (in a popover)](/wp-content/uploads/2025/09/Estate-Planning_Sample-Report-v25.pdf) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **RazorPlan is a great addition to our client services. It allows us to gain perspective and get into action faster and more easily. Now we’re implementing sooner and our clients report a better understanding of their planning fundamentals.”** Curtis Scoville **Scoville Financial Planning, Black Creek, BC** ![Curtis Scoville - portrait](https://razorplan.com/wp-content/uploads/2025/08/Curtis-Scoville.webp) ## **Retirement Readiness** RazorPlan’s Retirement Readiness report focuses on the potential retirement income of a client. This report also outlines the options the client has if their potential retirement income does not match up with their retirement goals. **Key Features** - Geared towards prospective clients - Identifies retirement potential - Simple and visual **Retirement Readiness Number:** A focused review of retirement potential income. preview [Open the Retirement Readiness Number report (in a popover)](/wp-content/uploads/2025/09/retirement-readiness-number-Report.pdf) ## **Frequently Asked Questions –** Reports ### [What types of reports can RazorPlan generate, and how do I create a client report?](#) RazorPlan can produce several report types to present the plan to your clients. The main report formats are accessible via the Reports button on the toolbar when you have a client file open. When you click Reports, it opens the Report Generation window, where you can choose from three primary report options: - - **Full Report**: A comprehensive financial plan report. The Full Report is customizable – it includes multiple document sections (e.g. Balance Sheet, Cash Flow, Insurance Analysis, etc.) and you can select which sections to include. By default, it can include everything: an Executive Summary, detailed analyses, and even results from any Applications used (like RESP, Budget Planner outputs). The Full Report is ideal for a complete plan deliverable. You have the ability to check or uncheck particular documents within this report before generating it. - **Retirement Number Report**: A focused report centered on retirement planning metrics. This option is more streamlined and has only one main category of documents to include (largely related to retirement income and goal feasibility). It’s useful if you want to give a client a quick readout of their “retirement number” – e.g. the income they can sustain or the shortfall/excess relative to goals. - **Focused Planning Report**: This is a comparison report for scenario analysis. Rather than including all documents, you choose two scenarios – usually the Baseline (current plan) and an Improved scenario – and it will generate a report comparing them. The Focused Planning report automatically picks the relevant comparison charts/tables and doesn’t allow picking individual sections; it’s pre-set to show a side-by-side of the two chosen scenarios. This is great for presenting an “Option A vs Option B” outcome (like Retire at 65 vs Retire at 60, or Plan with Insurance vs without Insurance, etc.). To create a report: 1. Open the client file and click Reports on the top toolbar. 2. In the Report window, select which type of report (Full, Retirement Number, or Focused Planning). 3. If Full or Retirement Number, check off the specific documents or analyses you want to include (or “Select All” to include everything). If Focused Planning, choose the two scenarios to compare. 4. Click Generate. RazorPlan will compile the PDF report based on your selections. Once generated, you can view it on-screen, save it, or print it. All reports are generated as PDF documents, which you can then provide to your client. You can create reports at any time; it’s often wise to generate a Full Report for your records or compliance after inputting data, and a Focused report when comparing strategy alternatives. ### [Can I customize the report cover page, title, or add my own branding (logo/disclaimer)?](#) Yes. RazorPlan allows you to customize various elements of the report to reflect your branding and compliance needs. In the Your Account window, there is a Report Settings tab where you can upload images and modify titles/disclaimers: - - **Logo**: You can upload a custom Report Logo image (e.g. your company logo). The logo you upload will appear on the title page of all reports and also in Razor Leads (the client-facing tool) if you use that. If you don’t upload one, the default RazorPlan logo is used. - **Cover Image**: You can add a Report Cover image. This might be a full-page graphic or banner that appears on the front page of the report, depending on the template. This can be used for additional branding or aesthetics. - **Report Title**: There’s a field to set a custom title for your reports (e.g. “Financial Plan for the Smith Family” or “Retirement Analysis”). By default, RazorPlan might call it “Financial Plan” or similar, but you can override it with your preferred title. - **Disclaimer** (and French Disclaimer): For compliance, you can edit the disclaimer text that appears in the report footer or in a section of the report. Many firms require specific wording – you can paste your required compliance disclaimer here. There are separate fields for an English disclaimer and a French disclaimer, so you can maintain bilingual content if needed. To customize these, open Your Account > Report Settings, then upload/select the images and enter the text as needed. After saving, any new report you generate will include your custom logo, cover, title, and disclaimer. This ensures your output is white-labeled for your practice and meets any compliance requirements your firm or regulatory body demands. (Note: Other aspects of report formatting are fixed to RazorPlan’s template. You can choose which sections to include (as mentioned above) but the style and layout are standardized aside from the custom elements you provide.) --- ### [About us](https://razorplan.com/about-us/) **Published:** July 31, 2025 **Author:** leo **Content:** About us – Contact – Support # **Pioneers** keep moving on [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) ## **We are RazorPlan creators** RazorPlan was developed in an active planning environment while working with real clients, helping us to create the most usable and real-life applicable software on the market. The end result is a program designed around how planning is actually done and not how it is perceived to be done. RazorPlan was created in 2011 by Dave Faulkner, CLU, CFP, through his company Financial Plan Advantage Ltd. (FPAdvantage). Dave is a pioneer in the financial planning software industry and the original designer of one of the most well-known financial planning programs available in Canada. FP Advantage later became Razor Logic Systems; in May 2019, Nest Wealth acquired Razor Logic Systems; in 2024, Objectway acquired Nest Wealth, refreshing the RazorPlan brand in 2025. Objectway works towards a common vision to give wealth professionals access to the best tools and solutions that ultimately help their clients become better off. **RazorPlan \| Objectway** *Innovative software, real solutions.* **Company milestones** - 2011 FPAdvantage creates RazorPlan - 2013 Company becomes Razor Logic Systems - 2019 Nest Wealth acquires Razor Logic Systems - 2024 Objectway acquires Nest Wealth - 2025 RazorPlan brand evolves ## Objectway supports more than 100,000 investment professionals worldwide Objectway is a global TOP-100 FinTech provider (IDC FinTech Rankings), that admins over €1 trillion of assets and supports more than 100,000 investment professionals to manage over €700 billion AUM for more than 5 million investors. The group has a global organization including over 800 business and technology professionals, operating offices in Italy, UK, Belgium, Germany, Switzerland, France, Ireland, UAE and Canada. Objectway Group **Facts & numbers** 200+ B2B clients in +16 countries 1+$T Asset Under Management 800+ Employees representing 30 nationalities 35+ Years of Business Experience 200+ B2B clients in +16 countries >1 $T Asset Under Management 800+ Employees representing 30 nationalities 35+ Years of Business Experience ## **Get in contact** To learn more about the tools, or request a demo, or for any other question, please fill out the form on this page, and our team will get in touch. Your first name\* Your last name\* Your email\* Your phone\* Your company Please leave this field empty. Your message Data treatment acceptance Yes, I consent collecting and storing my personal information for the purposes of contacting me about Razorplan services and products. To manage this consent at any time, see our [Privacy Policy.](./privacy-policy/) ## Need assistance? If you have a question or need assistance with an existing account, please send a support request to our team: [support@razorplan.com](mailto:support@razorplan.com?subject=Support%20Request:%20%5Bissue%20title%5D&body=%5BIssue%20detailed%20description%5D) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) RazorPlan is a great addition to our client services. It allows us to gain perspective and get into action faster and more easily. Now we’re implementing sooner and our clients report a better understanding of their planning fundamentals.” ![Curtis Scoville - portrait](/wp-content/uploads/2025/07/Oval.webp) Curtis Scoville Scoville Financial Planning, Black Creek, BC ## **RazorPlan – Canada offices** 214 King St West, Suite 510 Toronto, Ontario, M5H 3S6 ## **Objectway Group** For contacts and company details, visit[ www.objectway.com](https://www.objectway.com) ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) The advantage of **partnering** Find the discounted pricing offered by our partners, and leverage exclusive training and support [Go to partner offering (opens in a new tab)](/raymondjames/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Raymondjames.webp) [Go to partner offering (opens in a new tab)](/hubfinancial/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Hub.webp) [Go to partner offering (opens in a new tab)](/idc/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_IDC-1.webp) [View partner offering (opens in a new tab)](/ppi/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_PPI.webp) [Go to partner offering (opens in a new tab)](/financialhorizons/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_financialHorizons.webp) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Serenialife.webp) ](/training-serenia-life/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Nestwealth.webp) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_customplan.webp) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_QFS.webp) [Go to partner offering (opens in a new tab)](/ifb/) ![Independent Financial Brokers Canada logo](https://razorplan.com/wp-content/uploads/2025/09/IFSB-C-logo-2.svg) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Raymondjames.webp) ](/raymondjames/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Hub.webp) ](/hubfinancial/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_IDC-1.webp) ](/idc/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_PPI.webp) ](/ppi/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_financialHorizons.webp) ](/financialhorizons/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Serenialife.webp) ](/training-serenia-life/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Nestwealth.webp) ](/nestwealth/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_customplan.webp) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_QFS.webp) ](/qfs/) [ ![Independent Financial Brokers Canada logo](https://razorplan.com/wp-content/uploads/2025/09/IFSB-C-logo-2.svg) ](/ifb/) --- ### [Financial calculators - Calculateurs Financiers](https://razorplan.com/fr/calculateurs-financiers/) **Published:** July 24, 2025 **Author:** leo **Content:** Calculateurs financiers # **Obtenez des réponses** aux questions financières les plus urgentes de vos clients [Essai gratuit de 30 jours](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR)[Réservez une démo](/inscrivez-vous-a-une-demonstration-en-direct-webinaires/)Avec les calculateurs financiers de RazorPlan, vous pouvez simuler des prêts, des hypothèques, des impôts et bien plus encore – simples et prêts à utiliser! ## **Des calculateurs financiers intelligents**, gratuits à utiliser. Vous pouvez les utiliser directement sur cette page ou les intégrer à votre propre site Web. ## **Besoin d’utiliser les calculateurs maintenant?** Trouvez simplement les calculateurs dont vous avez besoin, regardez le tutoriel et utilisez-les. Calculs gratuits avec résultats immédiats. ## **Vous voulez ajouter un calculateur à votre site Web?** Oui, vous pouvez intégrer n’importe quel calculateur à vos pages web! Il suffit de suivre les instructions. [Voir les instructions](/wp-content/uploads/2025/09/Free-Calculators-Copy-Instructions.png) ## **Explorer les calculateurs RazorPlan** ### **En vedette** ## **Planificateur de budget** Que vous fassiez un examen annuel, rencontriez un client potentiel ou présentiez un plan financier complet, RazorPlan a un rapport pour répondre à la situation. [En savoir plus](https://vimeo.com/1129234651)[Lancer](https://gen.razorplan.com/Account/RazorToolsUtility/BudgetPlanner) ## **Besoins en assurance vie** Le calculateur des besoins en assurance vie vous permet d’estimer le montant de couverture d’assurance vie dont vous et votre conjoint(e)/partenaire avez besoin. [En savoir plus](https://vimeo.com/1129234378)[Lancer](https://gen.razorplan.com/Account/RazorToolsUtility/LifeInsuranceNeeds) ### Choisissez votre calculateur préféré! ### Calculateur d’impôt sur le revenu Le calculateur d’impôt sur le revenu estime le montant d’impôt que vous devrez payer sur vos différentes sources de revenu. Si vous êtes employé, utilisez le calculateur pour estimer les économies d’impôt possibles grâce à vos cotisations à un REER. Si vous êtes travailleur autonome, utilisez le calculateur pour estimer les variations de l’impôt sur le revenu selon la façon dont vous percevez vos revenus. [En savoir plus](https://vimeo.com/1129244318)[Lancer](https://gen.razorplan.com/Account/RazorToolsUtility/IncomeTaxCalculator) ### Calculateur d’impôt terminal Le calculateur de revenu final estime le montant d’impôt que votre succession devra payer l’année de votre décès (en supposant qu’il n’y a pas de conjoint(e)/partenaire survivant). [En savoir plus](https://vimeo.com/1129234583)[Lancer](https://gen.razorplan.com/Account/RazorToolsUtility/TerminalTaxCalculator) ### Calculateur d'hypothèque Calculez l'impact de diverses hypothèses de paiement sur le nombre d'années nécessaires pour rembourser votre hypothèque. Deux scénarios et des modes de paiement optionnels vous permettent d'explorer plusieurs stratégies simultanément. [En savoir plus](https://vimeo.com/1129234406)[Lancer](https://gen.razorplan.com/Account/RazorToolsUtility/MortgageCalculator) ### Effet de levier d'investissement Le calculateur d'effet de levier d'investissement vous permet de comparer un prêt d'investissement à intérêt seul à une épargne mensuelle régulière. La stratégie qui génère un solde d'investissement plus élevé à la retraite peut mériter une attention particulière dans votre planification. [En savoir plus](https://vimeo.com/1129245714)[Lancer](https://gen.razorplan.com/Account/RazorToolsUtility/InvestmentLeverage) ### Calculateur REER Estimez la valeur future de votre REER en fonction de différentes hypothèses. Vous pouvez utiliser le calculateur de REER pour voir l’incidence de diverses hypothèses d’épargne et de rendement sur votre placement. [En savoir plus](https://vimeo.com/1129234442)[Lancer](https://gen.razorplan.com/Account/RazorToolsUtility/RRSPCalculator) ### Calculateur de FERR Le calculateur de FERR estime les retraits futurs que vous devrez effectuer de votre FERR en fonction des minimums prescrits. Vous pouvez aussi utiliser le calculateur de FERR pour estimer combien de temps vous pourrez retirer un montant fixe de votre FERR avant d’épuiser vos fonds. [En savoir plus](https://vimeo.com/1129234476)[Lancer](https://gen.razorplan.com/Account/RazorToolsUtility/RRIFCalculator) ### Prêt REER Le calculateur de prêt REER vous permet de comparer l’emprunt pour investir un montant forfaitaire dans votre REER dès aujourd’hui par rapport à des cotisations mensuelles régulières à votre REER. La stratégie qui génère le solde REER le plus élevé à la retraite peut mériter une attention particulière dans votre planification. [En savoir plus](https://vimeo.com/1129234510)[Lancer](https://gen.razorplan.com/Account/RazorToolsUtility/RRSPLoanCalculator) ### REER vs. Hypothèque Comparez l'investissement d'une somme forfaitaire dans votre REER aujourd'hui à celui du remboursement de votre hypothèque et de l'investissement des économies futures réalisées grâce à cette hypothèque dans votre REER. La stratégie qui vous permettra d'obtenir le solde REER le plus élevé à la retraite mérite d'être étudiée plus en détail dans votre planification. [En savoir plus](https://vimeo.com/1129234689)[Lancer](https://gen.razorplan.com/Account/RazorToolsUtility/RRSPvsMortgage) ### REER vs Non-REER Le calculateur REER vs Non-REER vous permet de comparer l’investissement dans votre REER à l’investissement de l’équivalent après impôt dans un véhicule de placement où les intérêts sont imposables au moment où ils sont gagnés. La stratégie qui génère le revenu de retraite après impôt le plus élevé peut mériter une attention particulière dans votre planification. [En savoir plus](https://vimeo.com/1129234544)[Lancer](https://gen.razorplan.com/Account/RazorToolsUtility/RRSPvsNonRRSP) ### CELI vs REER Le calculateur CELI vs REER vous permet de comparer un placement dans les deux véhicules d’épargne les plus populaires offerts aux Canadiens avec avantages fiscaux. La stratégie qui génère le revenu de retraite après impôt le plus élevé peut mériter une attention particulière dans votre planification. [En savoir plus](https://vimeo.com/1129234607)[Lancer](https://gen.razorplan.com/Account/RazorToolsUtility/TFSAvsRRSP) ### Planificateur de budget Que vous fassiez un examen annuel, rencontriez un client potentiel ou présentiez un plan financier complet, RazorPlan a un rapport pour répondre à la situation. [En savoir plus](https://vimeo.com/1129234651)[Lancer](https://gen.razorplan.com/Account/RazorToolsUtility/BudgetPlanner) ### Besoins en assurance vie Le calculateur des besoins en assurance vie vous permet d’estimer le montant de couverture d’assurance vie dont vous et votre conjoint(e)/partenaire avez besoin. [En savoir plus](https://vimeo.com/1129234378)[Lancer](https://gen.razorplan.com/Account/RazorToolsUtility/LifeInsuranceNeeds) ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engagez** vos prospects. **Évaluez** leurs besoins. **Offrez** des résultats concrets. [Essai gratuit de 30 jours](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR)[Réservez une démo](/fr/inscrivez-vous-a-une-demonstration-en-direct-webinaires/) --- ### [Client Questionnaires - Questionnaires clients](https://razorplan.com/fr/questionnaires/) **Published:** September 2, 2025 **Author:** leo **Content:** Questionnaires # **“Formulaires client”** pour simplifier le processus de planification [Essai gratuit de 30 jours](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR)[Réservez une démo](/fr/inscrivez-vous-a-une-demonstration-en-direct-webinaires/) **RazorPlan fournit aux conseillers des documents de collecte de données clients qui rassemblent les informations nécessaires à la création de plans financiers et de rapports.** Selon la partie du programme que vous utilisez, des questionnaires sont disponibles pour rendre le processus de planification plus efficace. **Questionnaire client complet** Cet outil de recherche d’informations reproduit les écrans de saisie du programme RazorPlan et collecte toutes les informations nécessaires à la création d’un plan financier complet. Ce fichier PDF à remplir peut être téléchargé, renommé et utilisé avec tous vos clients. Aperçu [Open the questionnaire(in a new window)](/wp-content/uploads/2025/10/ClientQuestionnaire_FR-2025.pdf) **Planificateur de budget** Utilisez ce questionnaire pour connaître les revenus et les dépenses mensuels ou annuels de vos clients. Conçu pour fonctionner avec l’application RazorPlan Budget Planner, ce fichier PDF à remplir collecte des informations sur les sources de revenus ainsi que sur des catégories de dépenses détaillées, y compris des catégories personnalisables. Aperçu [Open the questionnaire(in a new window)](/wp-content/uploads/2025/08/RazorPlan_BudgetPlanner.pdf) **Planificateur de dettes** Le Planificateur de dettes de RazorPlan détermine la meilleure façon pour rembourser les dettes d’un client. Utilisez ce questionnaire pour recueillir tous les montants dus, les paiements ainsi que les autres détails liés aux dettes de vos clients. Ce questionnaire remplissable peut être envoyé à vos clients ayant des dettes. Aperçu [Open the questionnaire(in a new window)](/wp-content/uploads/2025/08/RazorPlan_DebtPlanner.pdf) **Valeur nette** Recueillez les informations sur les actifs et les passifs de votre clients à saisir dans l’application Net Worth. Ce questionnaire rassemble des informations sur les biens personnel, l’épargne, les placements, l’immobilier, les dettes garanties et non garanties, ainsi que sur les actifs et passifs d’entreprise. Aperçu [Open the questionnaire(in a new window)](/wp-content/uploads/2025/08/RazorPlan_NetWorth.pdf) **Planificateur de REEE** L’application Planificateur de REEE peut être utilisée pour modéliser l’épargne destinée aux études postsecondaires dans un-Régime enregistré d’épargne-études (REEE). Ce questionnaire peut être utilisé pour recueillir des informations sur les avoirs du REEE et les bénéficiaires. Il permet également de collecter tous les dépenses potentielles liées aux études. Aperçu [Open the questionnaire(in a new window)](/wp-content/uploads/2025/08/RazorPlan_RESPPlanner.pdf) **Besoins en assurance vie** Utilisez ce questionnaire pour recueillir les informations nécessaires à une analyse détaillée des besoins en assurance vie. Identifiez le capital et les besoins mensuels d’un client en cas de décès. Aperçu [Open the questionnaire(in a new window)](/wp-content/uploads/2025/08/RazorPlan_LifeInsuranceNeeds.pdf) **REER/FERR** L’application Planificateur REER/FERR peut être utilisé pour presenter plusieurs scénarios de dépôts et de retraits dans des comptes REER et FERR. Utilisez ce questionnaire pour recueillir les informations sur les comptes REER du client ainsi que sur ses cotisations prévues. Aperçu [Open the questionnaire(in a new window)](/wp-content/uploads/2025/08/RazorPlan_RRSPRRIFPlanner.pdf) **Retour sur investissement** La détermination du retour sur investissement d’un client peut être réalisée en utilisant l’application ROI de RazorPlan. Ce questionnaire recueille les informations concernant les transactions forfaitaires, ainsi que les transactions PAC et SWP. Aperçu [Open the questionnaire(in a new window)](/wp-content/uploads/2025/08/RazorPlan_ROI.pdf) **Objectifs financiers** Déterminez rapidement si un objectif financier est réalisable en utilisant l’application Financial Goals. Ce questionnaire peut être utilisé pour recueillir des informations sur un objectif d’épargne ou de revenu. Aperçu [Open the questionnaire(in a new window)](/wp-content/uploads/2025/08/RazorPlan_FinancialGoals.pdf) ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engagez** vos prospects. **Évaluez** leurs besoins. **Offrez** des résultats concrets. [Essai gratuit de 30 jours](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR)[Réservez une démo](/fr/inscrivez-vous-a-une-demonstration-en-direct-webinaires/) --- ### [The Essential Decumulation Toolkit - La boîte à outils essentielle de décumulation](https://razorplan.com/fr/boite-a-outils-de-decaissement/) **Published:** September 2, 2025 **Author:** leo **Content:** # La planification du revenu de retraite **dévoilée** [Essai gratuit de 30 jours](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR)[Réservez une démo](/fr/inscrivez-vous-a-une-demonstration-en-direct-webinaires/)Le guide complet pour créer une expérience de planification du revenu de retraite que vos clients valoriseront et suivront. - [Qu’est-ce que le Kit?](#tab_6ad2b386144ce) - [Collecter des données](#tab_6ad2b386144d1) - [Évaluation financière](#tab_6ad2b386144d3) - [Prestations gouvernementales](#tab_6ad2b386144d4) - [Ce qui compte le plus](#tab_6ad2b386144d5) - [Planification des revenus](#tab_6ad2b386144d7) - [Planification successorale](#tab_6ad2b386144d8) ## **Qu’est-ce que le Kit de Décaissement essentiel?** Pour la plupart des clients, la planification de la retraite consiste à l’accumulation de placements dans des REER, CELI et autres véhicules d’épargne, afin d’avoir les fonds nécessaires pour profiter pleinement de leur retraite. Cette première phase de la planification met traditionnellement l’accent sur des stratégies liées à la répartition de l’actif, à la gestion du risque et à l’optimisation fiscale, dans le but d’améliorer les rendements. Cependant, à la retraite, la planification doit passer de l’épargne (accumulation) à la dépense (décaissement). La planification du décaissement consiste dans la gestion stratégique des actifs afin d’atteindre divers objectifs liés à la retraite. C’est une étape bien plus complexe que la phase d’accumulation, car il faut maintenant aider les clients à déterminer le montant et l’ordre dans lequel ils dépenseront les différents actifs accumulés, ainsi que le moment opportun pour demander les prestations du RPC et de la SV. Une mauvaise stratégie peut coûter à vos clients des centaines de milliers de dollars en patrimoine perdu au cours de leur retraite. *Le Kit de Décaissement essentiel vous aide à créer une expérience de planification du revenu de retraite que vos clients valoriseront et suivront.* ## **L’opportunité de décaissement** Selon Statistique Canada, en 2020, 38 000 Canadiens en moyenne atteignaient l’âge de 65 ans chaque mois. Ce nombre devrait augmenter avec le vieillissement de la population. D’ici 2036, on prévoit que le nombre de Canadiens âgés de 65 ans et plus atteindra 10,9 millions, ce qui représentera près du quart de la population. Notre analyse de plus de 100 000 simulations réalisées avec RazorPlan met en évidence les possibilités offertes par la planification du décaissement, alors que les Canadiens passeront de la phase d’épargne à la phase de décaissement au cours de la prochaine décennie. ![planning engagement age](https://razorplan.com/wp-content/uploads/2025/07/decumulation-kit-03.webp) 50% des mandats de planification concernent des clients âgés de 55 à 70 ans ![Decumulation - average after tax income (icon)](https://razorplan.com/wp-content/uploads/2025/07/decumulation-kit-02.webp) $82,300 est l’objectif de revenu moyen après impôts pour les clients de cette tranche d’âge ![decumulation kit - excess capital](https://razorplan.com/wp-content/uploads/2025/07/decumulation-kit-04.webp) $1,053,000 correspond au capital de placement moyen détenu par les clients au moment de leur retraite ![Decumulation - Average excess capital (icon)](https://razorplan.com/wp-content/uploads/2025/07/decumulation-kit-01.webp) $193,000 représente le capital excédentaire moyen que les clients peuvent allouer à d’autres objectifs ou à la planification successorale ## **Collecter des données** La règle des 80/20 en matière de finances personnelles stipule que 80 % d’un plan de retraite est élaboré à partir de 20 % des informations du client. L’assistant de saisie de données de RazorPlan se concentre justement sur ce 20 % essentiel, ce qui vous permet de produire une analyse financière en moins de 15 minutes — et de lancer une discussion significative avec votre client. Cette approche vous permet de qualifier plus efficacement vos clients et d’éviter de perdre du temps et de l’énergie avec des personnes qui ne reconnaissent pas la valeur de vos services. Le questionnaire client présenté ici reflète exactement le fonctionnement de l’assistant RazorPlan. Il recueille toutes les informations nécessaires pour générer, en quelques minutes, une analyse de retraite complète, incluant des projections successorales [Consultez le questionnaire client](/wp-content/uploads/2025/10/ClientQuestionnaire_FR-2025.pdf) **Guide du conseiller RazorPlan**Ce guide fournit des informations sur l’utilisation du questionnaire client et du programme Voir le guide [Consultez le questionnaire client](https://www.manula.com/manuals/razorplan/razormanual/1/en/topic/fact-finder) **Premiers pas** Cette vidéo explique comment démarrer dans RazorPlan et collecter des données Regarder [Regardez la vidéo, s’ouvre dans une boîte lumineuse (popover)](https://vimeo.com/1124190659) ## **Évaluation financière** Une fois les données 80/20 saisies dans RazorPlan, vous êtes prêt à examiner avec votre client le graphique des options de retraite. Ce graphique permet d’analyser les 4 principales options de planification offertes au client. Ces quatre options représentent les ajustements de base, ou les prochaines meilleures actions (Next Best Actions), nécessaires pour éliminer les excédents ou déficits de flux de trésorerie à la retraite. Ensemble, elles répondront aux questions les plus fréquentes concernant la retraite: - Mes objectifs sont-ils réalistes compte tenu de mes revenus actuels? - Où dois-je investir en fonction de mes objectifs? - Quelle part de mon revenu dois-je consacrer à mes objectifs? - Quelle est la première chose sur laquelle je devrais me concentrer? Cette *Liste de contrôle financière* rationalisera votre analyse et vous aidera à identifier toute préoccupation qui pourrait empêcher votre client d’atteindre ses objectifs, ainsi que les prochaines étapes à suivre. [Liste de contrôle pour l’examen financier](/wp-content/uploads/2025/07/Financial-Review-Checklist-Fillable.pdf) **Guide-conseil pour la revue financière** Ce guide explique comment interpréter les résultats de la Financial Review Checklist Voir le guide [Open the financial review advisory guide (in a new window)](/wp-content/uploads/2025/09/Financial-Review-Checklist-Guide-compressed.pdf) **Vidéo sur le flux de trésorerie**Cette courte vidéo explique la section Flux de trésorerie de la Financial Review Checklist Regarder [Watch the video (opens in a lightbox)](https://vimeo.com/1125132500) **Vidéo sur les actifs financiers**Cette courte vidéo explique la section Actifs financiers de la Financial Review Checklist Regarder [Watch the video (opens in a lightbox)](https://vimeo.com/1125132470) **Vidéo sur l’impôt sur le revenu**Cette courte vidéo explique la section Impôt sur le revenu de la Financial Review Checklist Regarder [Watch the video (opens in a lightbox)](https://vimeo.com/1125132671) **Vidéo sur l’assurance**Cette courte vidéo explique la section Assurance de la Financial Review Checklist Regarder [Watch the video (opens in a lightbox)](https://vimeo.com/1125132555) **Vidéo sur les prochaines étapes**Cette courte vidéo explique la section Prochaines étapes de la Financial Review Checklist Regarder [Watch the video (opens in a lightbox)](https://vimeo.com/1125132583) ## **Prestations gouvernementales** Pour bon nombre de vos clients, les prestations du Régime de pensions du Canada (RPC) et de la Sécurité de la vieillesse (SV) constitueront une source importante de revenu garanti à la retraite. Nombreux sont ceux qui choisissent de faire une demande dès qu’ils y sont admissibles, sans vraiment tenir compte de la vision d’ensemble ni de l’importance de réduire le risque de longévité. Optimiser la valeur totale à vie des prestations gouvernementales est un élément clé d’une stratégie de décaissement efficace. Cela peut contribuer de façon significative à réduire le risque que votre client survive à son capital. La liste de vérification RPC/SV aidera vos clients à mieux comprendre quand il est avantageux — ou non — de demander leurs prestations, dans le cadre de leur stratégie globale de décaissement. [CPP / OAS checklist](/wp-content/uploads/2025/07/CPP-OAS-Checklist-Fillable.pdf) **Guide-conseil RPC/SV** Ce guide explique comment interpréter les résultats de la liste de vérification RPC/SV Voir le guide [Open the CPP / OAS advisor guide (in a new window)](/wp-content/uploads/2025/09/CPP-OAS-Checklist-Guide.pdf) **Vidéo sur la RPC/SV Checklist**Cette courte vidéo explique la RPC/SV Checklist Regarder [Watch the video (opens in a lightbox)](https://vimeo.com/1125132636) ## **Ce qui compte le plus** Avant de pouvoir recommander une stratégie de décaissement adaptée, il est essentiel de comprendre ce qui compte le plus pour votre client lorsqu’il s’agit de dépenser ce qu’il a mis toute une vie à accumuler. S’intéresse-t-il avant tout à la préservation de son patrimoine ou à l’optimisation de sa capacité de dépense? Combien de temps son argent doit-il durer et quels critères utiliseront-ils pour évaluer la valeur de vos recommandations? Faire les mauvaises suppositions lors de la création d’une stratégie de décaissement pourrait coûter à votre client des centaines de milliers de dollars en patrimoine perdu au cours de sa vie. Cette *Decumulation Checklist* aidera votre client à exprimer ce qui est le plus important pour lui dans cette phase cruciale de sa planification de retraite. [Decumulation checklist](/wp-content/uploads/2025/07/Decumulation-Checklist-Fillable.pdf) **Guide-conseil sur le décaissement** Ce guide explique comment interpréter les résultats de la Decumulation Checklist Voir le guide [Open the Decumulation Advisor Guide (in a new window)](/wp-content/uploads/2025/09/Decumulation-Checklist-Guide.pdf) **Decumulation Checklist Vidéo**Cette courte vidéo explique la Decumulation Checklist Regarder [Watch the video (opens in a lightbox)](https://vimeo.com/1125132611) ## **Planification des revenus** Lorsqu’un client souhaite obtenir un revenu supérieur à ce que ses économies peuvent lui offrir, il peut envisager de libérer une partie de la valeur nette de sa résidence, notamment en réduisant la taille de son habitation. En alternative, il existe des stratégies permettant d’utiliser la valeur nette d’une propriété pour générer un revenu non imposable, sans devoir déménager. On parle ici d’une marge de crédit hypothécaire inversée (reverse mortgage line of credit), combinée à une assurance vie permanente, pour former ce qu’on appelle un Régime de retraite assuré (Insured Retirement Plan — IRP). Régime de retraite assuré peut être une stratégie financière efficace, mais il ne convient pas à tous. Comme pour toute stratégie complexe, il est essentiel d’évaluer les avantages et les inconvénients avant de la recommander. La *Income Focus Checklist* vous aidera à expliquer cette stratégie à votre client, et à déterminer si elle pourrait répondre à ses besoins et objectifs. [Income focus checklist](/wp-content/uploads/2025/07/Income-Focus-Checklist-Fillable.pdf) **Guide-conseil Income Focus** Ce guide explique comment interpréter les résultats de la Income Focus Checklist Voir le guide [Open the Income focus Advisor Guide (in a new window)](/wp-content/uploads/2025/09/Income-Focus-Checklist-Guide.pdf) **Income Focus Checklist Vidéo**Cette courte vidéo explique la Income Focus Checklist Regarder [Watch the video (opens in a lightbox)](https://vimeo.com/1125132671) ## **Planification successorale** Lors de la recommandation d’un plan de décaissement, il est important de tenir compte de trois indicateurs clés de performance (Key Performance Indicators — KPI): le revenu de retraite après impôts, la valeur des placements avant impôts et la valeur successorale après impôts. Connaître les préférences et priorités du client en matière de décaissement (voir la section Ce qui compte le plus ci-dessus) vous aidera à déterminer quel KPI utiliser dans votre analyse. Pour les clients qui souhaitent laisser un héritage à leurs proches, intégrer une assurance vie dans le plan de décaissement peut améliorer les résultats globaux. Le concept de Obligation successorale mise sur le traitement fiscal avantageux des assurances vie permanentes. Cette stratégie ne convient pas à tous les clients. Il est essentiel d’en évaluer les avantages et les inconvénients avant de la recommander. La *Estate Focus Checklist* suivante vous aidera à expliquer ce concept à vos clients et à déterminer s’il mérite d’être intégré à leur stratégie globale de décaissement. [Estate focus checklist](/wp-content/uploads/2025/07/Estate-Focus-Checklist-Fillable.pdf) **Guide-conseil Estate Focus** Ce guide explique comment interpréter les résultats du Estate focus advisor guide See guide [Open theEstate Focus Advisor Guide (in a new window)](/wp-content/uploads/2025/09/Estate-Focus-Checklist-Guide.pdf) **Estate Focus Checklist Vidéo**Cette courte vidéo explique la Estate Focus Checklist Regarder [Watch the video (opens in a lightbox)](https://vimeo.com/1125132692) ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **RazorPlan has helped me show retirement and estate planning strategies as well as the need for long term care, term and/or permanent insurance to clients in a way that is easy to comprehend.** Terry Zavitz **Zavits Insurance & Wealth** ![](https://razorplan.com/wp-content/uploads/2025/08/terry-zavitz.webp) ![reversed pyramid, vector illustration](https://razorplan.com/wp-content/uploads/2025/07/CTA-tetra-3D.svg) NEWSRAZORPLAN BRAND A renewed energy sparks **RazorPlan’s evolution** [Switch the lights on](/razorplan-rebranding-2025) --- ### [Blog - Articles et actualités](https://razorplan.com/fr/blog-fr/) **Published:** September 2, 2025 **Author:** leo **Content:** Blogue – Articles et Actualités # **Articles** pour vous aider à comprendre la planification financière et RazorPlan [Essai gratuit de 30 jours](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR)[Réservez une démo](/fr/inscrivez-vous-a-une-demonstration-en-direct-webinaires/) Le contenu du blogue est uniquement disponible en anglais. [Accéder au blog (Anglais)](/blog/) ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engagez** vos prospects. **Évaluez** leurs besoins. **Offrez** des résultats concrets. [Essai gratuit de 30 jours](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR)[Réservez une démo](/fr/inscrivez-vous-a-une-demonstration-en-direct-webinaires/) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **RazorPlan is a great addition to our client services. It allows us to gain perspective and get into action faster and more easily. Now we’re implementing sooner and our clients report a better understanding of their planning fundamentals.”** Curtis Scoville **Scoville Financial Planning, Black Creek, BC** ![Curtis Scoville - portrait](https://razorplan.com/wp-content/uploads/2025/08/Curtis-Scoville.webp) The advantage of **partnering** Find the discounted pricing offered by our partners, and leverage exclusive training and support [Go to partner offering (opens in a new tab)](/raymondjames/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Raymondjames.webp) [Go to partner offering (opens in a new tab)](/hubfinancial/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Hub.webp) [Go to partner offering (opens in a new tab)](/idc/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_IDC-1.webp) [View partner offering (opens in a new tab)](/ppi/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_PPI.webp) [Go to partner offering (opens in a new tab)](/financialhorizons/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_financialHorizons.webp) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Serenialife.webp) ](/training-serenia-life/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Nestwealth.webp) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_customplan.webp) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_QFS.webp) [Go to partner offering (opens in a new tab)](/ifb/) ![Independent Financial Brokers Canada logo](https://razorplan.com/wp-content/uploads/2025/09/IFSB-C-logo-2.svg) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Raymondjames.webp) ](/raymondjames/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Hub.webp) ](/hubfinancial/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_IDC-1.webp) ](/idc/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_PPI.webp) ](/ppi/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_financialHorizons.webp) ](/financialhorizons/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Serenialife.webp) ](/training-serenia-life/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Nestwealth.webp) ](/nestwealth/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_customplan.webp) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_QFS.webp) ](/qfs/) [ ![Independent Financial Brokers Canada logo](https://razorplan.com/wp-content/uploads/2025/09/IFSB-C-logo-2.svg) ](/ifb/) --- ### [Training and Guides - Formation et guides](https://razorplan.com/fr/formation-et-guides/) **Published:** September 2, 2025 **Author:** leo **Content:** Formation # **Maîtrisez votre planification** avec les guides RazorPlan. [Essai gratuit de 30 jours](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR)[Réservez une démo](/inscrivez-vous-a-une-demonstration-en-direct-webinaires/) ## ***En vedette*** DÉMONSTRATIONS EN DIRECT ### **Présentation de RazorPlan** - Flux de trésorerie avant et après la retraite - Options de retraite - Actifs financiers - Planification d’assurance vie - Gestion des excédents de flux de trésorerie - Rapports pour les clients [Accedèr au webinaire](/inscrivez-vous-a-une-demonstration-en-direct-webinaires/) ![Razorplan Decumulation UIs](https://razorplan.com/wp-content/uploads/2025/07/razorplan-decumulation.webp) GUIDES [All](#)[FEATURED](#) ![](https://razorplan.com/wp-content/uploads/2025/09/guide-10.webp) [Premiers pas avec RazorPlan](https://razorplan.com/fr/guide/premiers-pas-avec-razorplan/)[Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/)### Premiers pas avec RazorPlan Vidéo de présentation de RazorPlan. Recommandée comme première vidéo à regarder. ## **Guides** #### Filter [All](#)[Mode d'emploi](#)[Général](#)[Flux de trésorerie](#)[Planification d'entreprise](#)[Décumulation](#)[Planification successorale](#)[Assurance](#)[Investir](#)[Retraite](#) ![](https://razorplan.com/wp-content/uploads/2025/10/guide-14.webp) [RazorPlan – Version “Cash Flow”](https://razorplan.com/fr/guide/razorplan-version-cash-flow-fr/)[Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/)[Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/)[Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/)### RazorPlan – Version “Cash Flow” Présentation des nouvelles fonctionnalités de la version « Cash Flow… ![](https://razorplan.com/wp-content/uploads/2025/09/guide-09.webp) [Écran graphique dans RazorPlan](https://razorplan.com/fr/guide/ecran-graphique-dans-razorplan/)[Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/)[Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/)### Écran graphique dans RazorPlan Présentation de l'écran des graphiques dans RazorPlan et comment l'utiliser… ![](https://razorplan.com/wp-content/uploads/2025/09/guide-11.webp) [Fonctionnalités avancées de RazorPlan](https://razorplan.com/fr/guide/fonctionnalites-avancees-de-razorplan/)[Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/)### Fonctionnalités avancées de RazorPlan Cette courte vidéo présente les fonctionnalités de RazorPlan Advanced. ![](https://razorplan.com/wp-content/uploads/2025/09/guide-06.webp) [Flux de trésorerie avant la retraite](https://razorplan.com/fr/guide/flux-de-tresorerie-avant-la-retraite/)[Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/)[Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/)### Flux de trésorerie avant la retraite Vidéo explicative sur la fonctionnalité Flux de trésorerie avant la… ![](https://razorplan.com/wp-content/uploads/2025/09/guide-07.webp) [Gestion des fichiers](https://razorplan.com/fr/guide/gestion-des-fichiers/)[Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/)[Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/)### Gestion des fichiers Découvrez comment créer, ouvrir, partager et transférer des fichiers clients… ![](https://razorplan.com/wp-content/uploads/2025/09/guide-08.webp) [Besoins en capitaux](https://razorplan.com/fr/guide/besoins-en-capitaux/)[Flux de trésorerie](https://razorplan.com/fr/category/guides-fr/training-cash-flow-en-fr/)[Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/)### Besoins en capitaux Vidéo explicative sur la fonctionnalité Besoins en capital, qui permet… ![](https://razorplan.com/wp-content/uploads/2025/09/guide-10.webp) [Premiers pas avec RazorPlan](https://razorplan.com/fr/guide/premiers-pas-avec-razorplan/)[Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/)### Premiers pas avec RazorPlan Vidéo de présentation de RazorPlan. Recommandée comme première vidéo à… ![](https://razorplan.com/wp-content/uploads/2025/09/guide-05.webp) [Stratégies d’investissement](https://razorplan.com/fr/guide/strategies-dinvestissement/)[Investir](https://razorplan.com/fr/category/guides-fr/training-investing-en-fr/)[Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/)### Stratégies d’investissement Webinaire présentant diverses stratégies d’investissement pouvant être modélisées dans RazorPlan. ![](https://razorplan.com/wp-content/uploads/2025/09/guide-03.webp) [Régimes de retraite assurés](https://razorplan.com/fr/guide/regimes-de-retraite-assures/)[Assurance](https://razorplan.com/fr/category/guides-fr/training-insurance-en-fr/)[Planification d'entreprise](https://razorplan.com/fr/category/guides-fr/training-corporate-planning-en-fr/)[Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/)### Régimes de retraite assurés Webinaire expliquant la stratégie du régime de retraite assuré utilisant… ![](https://razorplan.com/wp-content/uploads/2025/09/guide-04.webp) [Maximisation du patrimoine](https://razorplan.com/fr/guide/maximisation-du-patrimoine/)[Insurance](https://razorplan.com/fr/category/blog-fr/insurance-en-fr/)[Planification successorale](https://razorplan.com/fr/category/guides-fr/training-estate-planning-fr/)### Maximisation du patrimoine Webinaire montrant comment utiliser l’assurance-vie pour l’amélioration et la préservation… ![](https://razorplan.com/wp-content/uploads/2025/09/guide-02.webp) [Quand choisir la succession ou la valeur nette](https://razorplan.com/fr/guide/quand-choisir-la-succession-ou-la-valeur-nette/)[Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/)[Retraite](https://razorplan.com/fr/category/guides-fr/training-retirement-en-fr/)### Quand choisir la succession ou la valeur nette Vidéo expliquant comment optimiser les résultats des clients dans la… ![](https://razorplan.com/wp-content/uploads/2025/09/guide-13.webp) [Démarrer avec RazorPlan Decumulation](https://razorplan.com/fr/guide/demarrer-avec-razorplan-decumulation/)[Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/)[Général](https://razorplan.com/fr/category/guides-fr/training-general-en-fr/)### Démarrer avec RazorPlan Decumulation Vidéo de présentation de RazorPlan Decumulation. Recommandée aux abonnés de… ![](https://razorplan.com/wp-content/uploads/2025/09/guide-01.webp) [Choisir le bon âge](https://razorplan.com/fr/guide/choisir-le-bon-age/)[Décumulation](https://razorplan.com/fr/category/guides-fr/training-decumulation-en-fr/)[Mode d'emploi](https://razorplan.com/fr/category/guides-fr/training-mode-demploi/)### Choisir le bon âge Cette vidéo vous aide à comprendre comment vos hypothèses auront… ## Comment pouvons-nous vous aider? **Rechercher dans la FAQ.** FAQ par catégorie. - [Commencer](/fr/faq-foire-aux-questions/?tab=commencer) - [Compte et Accès](/fr/faq-foire-aux-questions/?tab=Compte-et-Accès) - [Saisie de données et saisie des informations client](/fr/faq-foire-aux-questions/?tab=Saisie-de-données-et-saisie-des-informations-client) - [Analyse](/fr/faq-foire-aux-questions/?tab=analyse) - [Rapports](/fr/faq-foire-aux-questions/?tab=rapports) - [Implémentation et Collaboration](/fr/faq-foire-aux-questions/?tab=Implémentation-et-Collaboration) - [Conformité et sécurité des données](/fr/faq-foire-aux-questions/?tab=Conformité-et-sécurité-des-données) - [Dépannage et assistance](/fr/faq-foire-aux-questions/?tab=Dépannage-et-assistance) ![reversed pyramid, vector illustration](https://razorplan.com/wp-content/uploads/2025/07/CTA-tetra-3D.svg) NEWSRAZORPLAN BRAND A renewed energy sparks **RazorPlan’s evolution** [Switch the lights on](/razorplan-rebranding-2025) --- ### [Sample Reports - Exemples de rapports](https://razorplan.com/fr/exemples-de-rapports/) **Published:** September 2, 2025 **Author:** leo **Content:** Exemples de rapports # **Chaque client est unique** avec les rapports RazorPlan [Essai gratuit de 30 jours](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR)[Réservez une démo](/fr/inscrivez-vous-a-une-demonstration-en-direct-webinaires/) Les aperçus du rapport sont en anglais. ## **Le rapport complet** Le rapport RazorPlan complet est un plan financier détaillé qui décrit clairement les options de retraite, montre les projections de flux de trésorerie et de valeur nette, et souligne la nécessité d’une assurance-vie personnelle et successorale. **Fonctionnalités principales** - Comment importer des polices d’assurance vie - Comment modéliser l’assurance pour la création et la préservation du patrimoine - Comment utiliser la fonction “Minimum Estate Value” **Rapport RazorPlan** Un rapport financier complet et formel incluant des graphiques détaillés, des notes de planification et des registres faciles à utiliser pour les clients. Aperçu [Ouvrir le guide de conseil pour l’examen financier (dans une nouvelle fenêtre)](/wp-content/uploads/2025/09/Full-Report-RazorPlan-v25-opt.pdf) **Rapport de décaissement RazorPlan** Un rapport axé sur la retraite conçu pour illustrer les stratégies optimales de retrait. Peut être ajouté aux rapports complets. Aperçu [Ouvrir le guide de conseil pour l’examen financier (dans une nouvelle fenêtre)](/wp-content/uploads/2025/09/Decumulation-Sample-Report-v25-opt.pdf) **Rapport RazorPlan avancé** Présentation de l’épargne d’investissement, de l’immobilier, des intérêts commerciaux et d’autres actifs. Aperçu [Ouvrir le guide de conseil pour l’examen financier (dans une nouvelle fenêtre)](/wp-content/uploads/2025/09/Full-Report-Advanced-RazorPlan-v25-opt.pdf) ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engagez** vos prospects. **Évaluez** leurs besoins. **Offrez** des résultats concrets. [Essai gratuit de 30 jours](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR)[Réservez une démo](/fr/inscrivez-vous-a-une-demonstration-en-direct-webinaires/) ## **Planification ciblée** Les rapports RazorPlan de Planification ciblée couvrent les six compétences clés de la planification financière. Chaque rapport se concentre sur un aspect précis et met en évidence la valeur des conseils pour les clients. En se concentrant sur ce qui compte pour eux, ces rapports leur donnent la confiance nécessaire pour acheter les produits et services qui améliorent leur situation financière et les aident à atteindre leurs objectifs. **Fonctionnalités principales** - Compare deux scénarios et met en évidence les améliorations - Souligne la valeur des conseils financiers - Peut être utilisé comme rapport autonome ou en complément d’un plan financier complet **Rapport de gestion financière** Une comparaison de scénarios montrant comment les conseils influencent la valeur nette et le flux de trésorerie au fil du temps. Aperçu [Ouvrir le guide de conseil pour l’examen financier (dans une nouvelle fenêtre)](/wp-content/uploads/2025/09/Financial-Management_Sample-Report-v25.pdf) **Rapport de gestion des risques** Une analyse des besoins en assurance couvrant les maladies graves, l’invalidité et les soins de longue durée. Aperçu [Open the financial review advisory guide (in a new window)](/wp-content/uploads/2025/09/Risk-Management_Sample-Report-v25.pdf) **Rapport de planification de la retraite** Un examen approfondi des objectifs de retraite, des stratégies de retrait et des résultats successoraux à travers différents scénarios. Aperçu [Ouvrir le guide de conseil pour l’examen financier (dans une nouvelle fenêtre)](/wp-content/uploads/2025/09/Retirement-Planning_Sample-Report-v25.pdf) **Rapport de gestion des investissements** Une comparaison des stratégies d’investissement qui projette la croissance des actifs, les flux de trésorerie et la situation financière. preview [Ouvrir le guide de conseil pour l’examen financier (dans une nouvelle fenêtre)](/wp-content/uploads/2025/09/Investment-Management_Sample-Report-v25.pdf) **Rapport de planification fiscal** Une comparaison de scénarios mettant en évidence les impôts cumulés payés et les taux d’imposition moyens. Aperçu [Ouvrir le guide de conseil pour l’examen financier (dans une nouvelle fenêtre)](/wp-content/uploads/2025/09/Tax-Planning_Sample-Report-v25.pdf) **Rapport de planification successorale** Une analyse des valeurs successorales et des impôts différés au deuxième décès, avec des comparaisons de scénarios. Aperçu [Ouvrir le guide de conseil pour l’examen financier (dans une nouvelle fenêtre)](/wp-content/uploads/2025/09/Estate-Planning_Sample-Report-v25.pdf) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **RazorPlan is a great addition to our client services. It allows us to gain perspective and get into action faster and more easily. Now we’re implementing sooner and our clients report a better understanding of their planning fundamentals.”** Curtis Scoville **Scoville Financial Planning, Black Creek, BC** ![Curtis Scoville - portrait](https://razorplan.com/wp-content/uploads/2025/08/Curtis-Scoville.webp) ## **Préparation à la retraite** Le rapport de préparation à la retraite de RazorPlan se concentre sur le revenu de retraite potentiel d’un client. Il présente également les options disponibles si son revenu de retraite potentiel ne correspond pas à ses objectifs. **Fonctionnalités principals** - Orienté vers les clients potentiels - Identifie le potentiel de retraite - Simple et visuel **Indicateur de préparation à la retraite:** Évaluation ciblée des revenus potentiels à la retraite. preview [Open the Retirement Readiness Number report (in a popover)](/wp-content/uploads/2025/09/retirement-readiness-number-Report.pdf) ## **Foire Aux Questions –** Rapports ### [Quels types de rapports RazorPlan peut-il générer, et comment créer un rapport client?](#) RazorPlan peut produire plusieurs types de rapports pour présenter le plan à vos clients. Les principaux formats de rapports sont accessibles via le bouton « Rapports » dans la barre d’outils lorsque vous avez un dossier client ouvert. Lorsque vous cliquez sur « Rapports », cela ouvre la fenêtre de génération de rapports, où vous pouvez choisir parmi trois options principales: - **Rapport complet**: Un rapport de plan financier complet. Le rapport complet est personnalisable – il inclut plusieurs sections de documents (le bilan, le flux de trésorerie, l’analyse d’assurance, etc.) et vous pouvez sélectionner les sections à inclure. Par défaut, il peut inclure tout : un résumé exécutif, des analyses détaillées et même les résultats de toutes les applications utilisées (comme les sorties du planificateur de budget, les REER, etc.). Le rapport complet est idéal pour la remise d’un plan complet. Vous avez la possibilité de cocher ou de décocher des documents particuliers dans ce rapport avant de le générer. - **Rapport sur le Seuil de retraite**: Un rapport axé sur les indicateurs de planification de la retraite. Cette option est plus simple et ne contient qu’une seule catégorie principale de documents (principalement liée au revenu de retraite et à la faisabilité des objectifs). Il est utile pour fournir à un client un aperçu rapide de ses revenus de retraite, par exemple le revenu qu’il peut supporter ou le déficit/excédent par rapport à ses objectifs. - **Rapport de planification ciblée: Il s’agit d’un rapport comparatif pour l’analyse de scénarios. Au lieu d’inclure tous les documents, vous choisissez deux scénarios – généralement le scénario de référence (plan actuel) et un scénario amélioré – et un rapport comparatif est généré. Le rapport sélectionne automatiquement les graphiques/tableaux de comparaison pertinents et ne permet pas de sélectionner des sections individuelles; il est préconfiguré pour afficher côte à côte les deux scénarios choisis. C’est idéal pour présenter un résultat « Option A » ou « Option B » (par exemple, prendre sa retraite à 65 ans ou prendre sa retraite à 60 ans, ou planifier avec assurance ou sans assurance, etc.).** Pour créer un rapport: 1. Ouvrez le dossier client et cliquez sur « Rapport » dans la barre d’outils en haut. 2. Dans la fenêtre « Rapport », sélectionnez le type de rapport (complet, seuil de retraite ou planification ciblée). 3. Si vous avez sélectionné « Complet » ou « Seuil de Retraite », cochez les documents ou analyses spécifiques que vous souhaitez inclure (ou choisissez « Tout sélectionner » pour inclure tous les éléments). Si vous avez choisi « Planification Ciblée », sélectionnez les deux scénarios à comparer. 4. Cliquez sur « Générer ». RazorPlan compilera le rapport PDF en fonction de vos sélections. Une fois généré, vous pouvez le visualiser à l’écran, l’enregistrer ou l’imprimer. Tous les rapports sont générés sous forme de documents PDF, que vous pouvez fournir à votre client. Vous pouvez créer des rapports à tout moment ; il est souvent judicieux de générer un rapport complet pour vos archives ou pour la conformité après avoir saisi les données, et un rapport ciblé lorsque vous comparez des alternatives stratégiques. ### [Puis-je personnaliser la page de couverture du rapport, le titre, ou ajouter ma propre image de marque (logo/clause de non-responsabilité)?](#) Oui. RazorPlan vous permet de personnaliser divers éléments du rapport pour refléter votre image de marque et vos exigences de conformité. Dans la fenêtre « Votre compte », il y a un onglet « Paramètres des rapports » où vous pouvez télécharger des images et modifier les titres/avertissements: - **Logo**: Vous pouvez télécharger un logo personnalisé pour votre rapport (par exemple, le logo de votre entreprise). Ce logo apparaîtra sur la page de titre de tous les rapports et, si vous l’utilisez, dans Razor Leads (l’outil client). Si vous ne téléchargez pas de logo, le logo par défaut de RazorPlan sera utilisé. - **Image de couverture**: Vous pouvez ajouter une image de couverture de rapport. Il peut s’agir d’une image pleine page ou d’une bannière apparaissant sur la première page du rapport, selon le modèle. Elle peut servir à renforcer l’image de marque ou l’esthétique du rapport. - **Titre du rapport**: Il y a un champ qui vous permet de définir un titre personnalisé pour vos rapports (p. ex. « Plan financier de la famille Smith » ou « Analyse de la retraite »). Par défaut, RazorPlan peut l’intituler « Plan financier » ou quelque chose de similaire, mais vous pouvez le remplacer par le titre de votre choix. - **Avis de non-responsabilité**: Pour des raisons de conformité, vous pouvez modifier le texte de l’avis de non-responsabilité qui apparaît dans le pied de page du rapport ou dans une section du rapport. De nombreuses entreprises exigent une formulation précise ; vous pouvez donc coller ici l’avertissement de conformité requis. Il existe des champs distincts pour les avis de non-responsabilité en anglais et celui en français, ce qui vous permet de conserver un contenu bilingue au besoin. Pour personnaliser ces éléments, allez à « Votre compte » > Paramètres du rapport, puis importez/sélectionnez les images et saisissez le texte requis. Après l’enregistrement, chaque nouveau rapport généré comprendra votre logo, votre couverture, votre titre et votre clause de non-responsabilité personnalisés. Cela garantit que vos rapports sont produits en marque blanche pour votre pratique et qu’ils respectent les exigences de conformité imposées par votre firme ou l’organisme de réglementation. (Remarque: d’autres aspects du formatage du rapport sont fixés au modèle de RazorPlan. Vous pouvez choisir les sections à inclure (comme mentionné ci-dessus), mais le style et la mise en page sont standardisés en dehors des éléments personnalisés que vous fournissez.) --- ### [About - À propos de nous](https://razorplan.com/fr/a-propos/) **Published:** September 2, 2025 **Author:** leo **Content:** À propos – Contact – Support # **Les pionniers** continuent d’avancer [Essai gratuit de 30 jours](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR%20)[Demander une démo](/fr/inscrivez-vous-a-une-demonstration-en-direct-webinaires/) ## **Nous sommes les créateurs de RazorPlan** RazorPlan a été développé dans un environnement de planification active, en collaboration avec de vrais clients, ce qui nous a permis de créer le logiciel le plus intuitif et le plus pertinent du marché. Notre processus de développement nous permet d’ajouter et de supprimer des aspects du logiciel en fonction de leur adéquation dans le cadre de missions de planification réelles. Le résultat final est un outil fidèle à la réalité de la planification, et non de la façon dont elle est perçue. RazorPlan a été créé en 2011 par Dave Faulkner, CLU, CFP, par l’intermédiaire de sa société Financial Plan Advantage Ltd. (FPAdvantage). Dave est un pionnier du secteur des logiciels de planification financière et le concepteur original de l’un des logiciels de planification financière les plus réputés au Canada. FP Advantage est ensuite devenu Razor Logic Systems; en mai 2019, Nest Wealth a acquis Razor Logic Systems ; en 2024, Objectway a acquis Nest Wealth, ce qui a renouvelé la marque RazorPlan en 2025. Le personnel de Razor Logic Systems s’associe à Objectway pour travailler vers une vision commune visant à donner aux professionnels de la gestion de patrimoine l’accès aux meilleurs outils et solutions qui, en fin de compte, aident leurs clients à s’améliorer. **RazorPlan \| Objectway** *Des logiciels innovants, de vraies solutions.* **Étapes clés** - 2011 FPAdvantage crée RazorPlan - 2013 L’entreprise devient Razor Logic Systems - 2019 Nest Wealth acquiert Razor Logic Systems - 2024 Objectway acquiert Nest Wealth - 2025 La marque RazorPlan évolue ## Objectway est le partenaire de plus de 100 000 professionnels Objectway est un fournisseur mondial de FinTech du TOP-100 (classement IDC FinTech), qui administre plus de 1 000 milliards d’euros d’actifs et aide plus de 100 000 professionnels de l’investissement à gérer plus de 700 milliards d’euros d’AUM pour plus de 5 millions d’investisseurs. Le groupe dispose d’une organisation mondiale comprenant plus de 800 professionnels métier et technologiques, opérant des bureaux en Italie, au Royaume-Uni, en Belgique, en Allemagne, en Suisse, en France, en Irlande, aux Émirats arabes unis et au Canada. Groupe Objectway **Faits et chiffres** 200+ Clients B2B dans +16 pays 1+$T Actifs sous gestion 800+ Des employés représentant 30 nationalités 35+ Années d'expérience 200+ Clients B2B dans +16 pays >1 $T Actifs sous gestion 800+ Des employés représentant 30 nationalités 35+ Années d’expérience ## **Contactez-nous** Pour en savoir plus sur les outils, demander une démo ou pour toute autre question, veuillez remplir le formulaire sur cette page et notre équipe vous contactera. Votre prénom\* Votre nom de famille\* Votre courriel\* Votre téléphone\* Votre entreprise Please leave this field empty. Votre message Data treatment acceptance Oui, j'accepte de collecter et de stocker mes informations personnelles afin de pouvoir me contacter au sujet des services et produits Razorplan. Pour gérer ce consentement à tout moment, consultez notre [Politique de confidentialité.](/fr/politique-de-confidentialite/) ## Besoin d’aide? Si vous avez une question ou besoin d’aide concernant un compte existant, veuillez envoyez une demande à notre équipe: [support@razorplan.com](mailto:support@razorplan.com?subject=Support%20Request:%20%5Brequest%20subject%5D&body=%5BRequest%20detailed%20description%5D) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) RazorPlan est un excellent complément aux services que nous offrons à nos clients. Il nous permet de prendre du recul et d’agir plus rapidement et plus facilement. Désormais, nous intervenons plus en amont et nos clients indiquent qu’ils ont une meilleure compréhension des fondamentaux de leur planification.” ![Curtis Scoville - portrait](/wp-content/uploads/2025/07/Oval.webp) Curtis Scoville Scoville Financial Planning, Black Creek, BC ## **RazorPlan – Bureaux au Canada** 214, rue King Ouest, bureau 510 Toronto (Ontario) M5H 3S6 ## **Groupe Objectway** Pour les contacts et les détails de l’entreprise, visitez[ www.objectway.com](https://www.objectway.com) ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engagez** vos prospects. **Évaluez** leurs besoins. **Offrez** des résultats concrets. [Essai gratuit de 30 jours](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR)[Réservez une démo](/fr/inscrivez-vous-a-une-demonstration-en-direct-webinaires/) The advantage of **partnering** Find the discounted pricing offered by our partners, and leverage exclusive training and support [Go to partner offering (opens in a new tab)](/raymondjames/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Raymondjames.webp) [Go to partner offering (opens in a new tab)](/hubfinancial/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Hub.webp) [Go to partner offering (opens in a new tab)](/idc/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_IDC-1.webp) [View partner offering (opens in a new tab)](/ppi/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_PPI.webp) [Go to partner offering (opens in a new tab)](/financialhorizons/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_financialHorizons.webp) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Serenialife.webp) ](/training-serenia-life/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Nestwealth.webp) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_customplan.webp) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_QFS.webp) [Go to partner offering (opens in a new tab)](/ifb/) ![Independent Financial Brokers Canada logo](https://razorplan.com/wp-content/uploads/2025/09/IFSB-C-logo-2.svg) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Raymondjames.webp) ](/raymondjames/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Hub.webp) ](/hubfinancial/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_IDC-1.webp) ](/idc/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_PPI.webp) ](/ppi/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_financialHorizons.webp) ](/financialhorizons/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Serenialife.webp) ](/training-serenia-life/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Nestwealth.webp) ](/nestwealth/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_customplan.webp) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_QFS.webp) ](/qfs/) [ ![Independent Financial Brokers Canada logo](https://razorplan.com/wp-content/uploads/2025/09/IFSB-C-logo-2.svg) ](/ifb/) --- ### [Créez des plans financiers que vos clients comprendront](https://razorplan.com/fr/) **Published:** September 1, 2025 **Author:** leo **Content:** # Créez des **plans financiers** que vos clients **comprendront** RazorPlan simplifie la planification financière, permettant aux clients de se concentrer sur l’essentiel. Son design unique allie une analyse globale à des conseils personnalisés, clairs et faciles à comprendre. [Essai gratuit de 30 jours](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR%20)[Réservez une démo](/inscrivez-vous-a-une-demonstration-en-direct-webinaires/) ## **Fast, Flexible Plan Creation** Build complete financial plans and scenarios in minutes, not hours. ## **Decumulation Strategy Optimization** Maximize retirement income by finding the best withdrawal strategy ## **Retirement Options Analysis** Instantly answer big retirement questions like age, spending, or savings needed. ## **Client-Friendly Visuals** Turn complex numbers into clear, engaging charts clients actually understand. ## **Scenario Analysis & Comparison** Compare strategies side by side to show the real impact of advice. ## **Lead Generation Support** Engage prospects early with lightweight retirement projections. ## **Insurance Planning Tools** Review policies and model advanced insurance strategies with ease. ![](https://razorplan.com/wp-content/uploads/2025/09/Rp_Hub_W.webp) ![](https://razorplan.com/wp-content/uploads/2025/09/Rp_Raymondjames_W.webp) ![](https://razorplan.com/wp-content/uploads/2025/09/Rp_QFS_W.webp) ![](https://razorplan.com/wp-content/uploads/2025/09/Rp_financialHorizons_W.webp) ![](https://razorplan.com/wp-content/uploads/2025/09/Rp_Serenialife_W.webp) **Simplification** plutôt que complication Les algorithmes innovants de RazorPlan utilisent les informations clés du client pour effectuer des calculs intuitifs et permettent aux planificateurs financiers canadiens d’analyser rapidement les besoins financiers et en gestion des risques de leurs clients, tout en les aidant à comprendre l’importance des conseils reçus. Fonctionnalités éprouvées avec des **performances réelles** - **Planification de la retraite** avec un moteur de résolution sophistiqué - **Analyse des besoins en assurance** incluant vie, invalidité et maladie grave - **Rapports** et visualisations professionnels - **Optimiseur de décaissement** pour déterminer le revenu de retraite optimal - **Calculs fiscaux précis** selon la législation en vigueur [En apprendre plus](/fr/fonctionnalites/) ## **Sophistiqué, mais simple** ![](https://razorplan.com/wp-content/uploads/2025/08/Charts2_Razorplan.jpg) Les conseillers utilisant RazorPlan sont confiants que leurs clients suivront leurs recommandations, car ils leur fournissent des plans financiers concrets et faciles à comprendre. ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engagez** vos prospects. **Évaluez** leurs besoins. **Offrez** des résultats concrets. [Essai gratuit de 30 jours](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR)[Réservez une démo](/fr/inscrivez-vous-a-une-demonstration-en-direct-webinaires/) De vrais résultats, **un vrai retour sur investissement** Les entreprises et les professionnels qui se sont associés à RazorPlan ont constaté des améliorations significatives dans leurs processus de planification, un engagement client amélioré et une croissance de leur activité. ## **Passez moins de temps** à saisir des stratégies de décaissement Passez plus de temps à engager des discussions significatives avec vos clients. Optimisez la gestion du patrimoine de vos clients tout au long de leur vie. Effectuez des calculs complexes en temps réel. [Obtenez le kit de décaissement](/fr/boite-a-outils-de-decaissement/) ## **Améliorez** la satisfaction client Offrez à vos clients ce qu’ils veulent et dont ils ont vraiment besoin, avec des options claires et faciles à assimiler. Démontrez la valeur que vous apportez aux clients avec des graphiques et des rapports faciles à lire. [Découvrez les rapports](/fr/exemples-de-rapports/) Qui **nous servons** RazorPlan accompagne les conseillers dans tous les secteurs de la gestion de patrimoine: - **Conseillers en assurance**: analysez facilement vos besoins de protection et vos stratégies d’assurance - **Conseillers en placement**: illustrez la croissance de l’épargne et les opportunités d’accumulation de patrimoine - **Planificateurs financiers**: guidez vos clients à travers la gestion de trésorerie, les revenus de retraite, la fiscalité et la planification successorale Quel que soit votre objectif, RazorPlan vous aide à fournir des conseils clairs, concrets et centrés sur le client. ![](https://razorplan.com/wp-content/uploads/2025/09/razorplan-users-cubes.webp) Des plans adaptés à votre **croissance** Payez mensuellement ou économisez avec nos abonnements annuels. **RazorPlan** **$745** économisez 83 $/an [En apprendre plus](/fr/tarifs/) **RazoPlan Advanced** **$1,070** économisez 118 $/an [En apprendre plus](/fr/tarifs/) **RazorPlan Decumulation** **$1,610** économisez 178 $/an [En apprendre plus](/fr/tarifs/) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **RazorPlan has helped me show retirement and estate planning strategies as well as the need for long term care, term and/or permanent insurance to clients in a way that is easy to comprehend.** Terry Zavitz **Zavits Insurance & Wealth** ![](https://razorplan.com/wp-content/uploads/2025/08/terry-zavitz.webp) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **This has increased my productivity by saving me time on the analysis. Also, it’s user friendly for the client.** Tyler Burtch Strata Group of Companies ![Tyler Burtch - portrait](https://razorplan.com/wp-content/uploads/2025/08/Tyler-Burtch.webp) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **Clients love especially the one page summary that shows them where they currently stand and the four options they are given to work towards their goals.** Aurora Tancock Tancock Financial Services ![Aurora Tancock - portrait](https://razorplan.com/wp-content/uploads/2025/08/Aurora-Tancock.webp) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **The software handles all the heavy lifting and allows me to spend more time advising my clients.** Scott Plaskett Ironshield Financial Planning ![Scott E. Plaskett - portrait](https://razorplan.com/wp-content/uploads/2025/08/Scott-Plaskett.webp) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **RazorPlan is a great addition to our client services. It allows us to gain perspective and get into action faster and more easily. Now we’re implementing sooner and our clients report a better understanding of their planning fundamentals.”** Curtis Scoville **Scoville Financial Planning, Black Creek, BC** ![Curtis Scoville - portrait](https://razorplan.com/wp-content/uploads/2025/08/Curtis-Scoville.webp) L’avantage du **partenariat** Découvrez les tarifs réduits offerts par nos partenaires et profitez de formations et d’un support exclusifs. [Go to partner offering (opens in a new tab)](/fr/raymond-james) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Raymondjames.webp) [Go to partner offering (opens in a new tab)](/fr/hub-financial/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Hub.webp) [Go to partner offering (opens in a new tab)](/fr/partner-idc-worldsource) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_IDC-1.webp) [View partner offering (opens in a new tab)](/fr/razorplan-partner-ppi-fr/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_PPI.webp) [Go to partner offering (opens in a new tab)](/fr/financial-horizons/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_financialHorizons.webp) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Serenialife.webp) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Nestwealth.webp) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_customplan.webp) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_QFS.webp) [Go to partner offering (opens in a new tab)](/fr/razorplan-partner-ifb-fr) ![Independent Financial Brokers Logo](https://razorplan.com/wp-content/uploads/2025/08/Rp_InternationalFinanceBank-1.webp) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Raymondjames.webp) ](/fr/raymond-james) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Hub.webp) ](/fr/hub-financial/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_IDC-1.webp) ](/fr/partner-idc-worldsource) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_PPI.webp) ](/fr/razorplan-partner-ppi-fr/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_financialHorizons.webp) ](/fr/financial-horizons/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Serenialife.webp) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Nestwealth.webp) ](/fr/razorplan-partner-nest-wealth-plus/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_customplan.webp) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_QFS.webp) ](/fr/razorplan-partner-qualified-financial-services) [ ![Independent Financial Brokers Logo](https://razorplan.com/wp-content/uploads/2025/08/Rp_InternationalFinanceBank-1.webp) ](/fr/razorplan-partner-ifb-fr) ![reversed pyramid, vector illustration](https://razorplan.com/wp-content/uploads/2025/07/CTA-tetra-3D.svg) NEWSRAZORPLAN BRAND A renewed energy sparks **RazorPlan’s evolution** [Switch the lights on](/razorplan-rebranding-2025) --- ### [Features - Fonctionnalités](https://razorplan.com/fr/fonctionnalites/) **Published:** September 2, 2025 **Author:** lorenzo noventa **Content:** Fonctionnalités # Moins de temps à élaborer des plans. Plus de temps à **instaurer la confiance.** [Essai gratuit de 30 jours](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR)[Réservez une démo](/fr/inscrivez-vous-a-une-demonstration-en-direct-webinaires/)RazorPlan réduit les tâches manuelles liées à la planification financière pour vous permettre de vous concentrer sur l’essentiel : vos clients. De la première conversation à la recommandation finale, chaque fonctionnalité est conçue pour optimiser votre processus métier, simplifier les décisions complexes et offrir des conseils pertinents et personnalisés. ![](https://razorplan.com/wp-content/uploads/2025/07/gradient-4p-BG.webp) ## **Création de plans rapide et flexible** En seulement quelques minutes, vous pouvez élaborer des plans financiers complets, des projections et des comparaisons de scénarios. Que vous soyez en train d’explorer des options lors d’un bilan client ou de présenter un ensemble complet de projections à un nouveau client, RazorPlan vous permet de passer facilement de la découverte à la recommandation. [Go to decumulation kit page](/fr/boite-a-outils-de-decaissement/) ![](https://razorplan.com/wp-content/uploads/2025/07/gradient-4p-BG.webp) ## **Optimisation de la stratégie de décumulation →** Maximisez les revenus de retraite grâce à une stratégie axée sur les résultats. RazorPlan optimise l’ordre et le montant des retraits des comptes et des prestations comme la RPC/RSI et la SV. Personnalisez vos plans pour réduire les impôts, augmenter les liquidités ou préserver la valeur du patrimoine, tout en les alignant sur les priorités de vos clients. ![](https://razorplan.com/wp-content/uploads/2025/07/gradient-4p-BG.webp) ## **Analyse des options de retraite** RazorPlan répond rapidement aux questions clés sur la retraite, comme le niveau de dépenses, l’âge de la retraite, le taux de rendement requis ou les besoins d’épargne, sans avoir à reconstruire les plans. Il fournit instantanément des informations basées sur les résultats, évitant les modifications manuelles ou la duplication de scénarios, en permettant de garder la conversation sur la planification financière efficace et ciblée. [Go to sample reports page](/fr/exemples-de-rapports/) ![](https://razorplan.com/wp-content/uploads/2025/07/gradient-4p-BG.webp) ## **Visuels faciles à comprendre pour les clients →** RazorPlan simplifie les conversations de planification grâce à des visuels attrayants. Il transforme les données financières complexes en graphiques clairs et intuitifs, sans jargon ni encombrement. Des rapports professionnels prêts à l’emploi qui font gagner du temps et renforcent la confiance, aidant ainsi vos clients à comprendre vos conseils et à en apprécier la valeur réelle. ![](https://razorplan.com/wp-content/uploads/2025/07/gradient-4p-BG.webp) ## **Analyse et comparaison de scenarios** Comparez vos stratégies côte à côte sans repartir de zéro. Générez des rapports en utilisant un cadre de planification financière ciblé. Démontrez clairement l’impact de vos conseils, aussi bien visuellement que numériquement, afin que vos clients comprennent et prennent des décisions en toute confiance. ![](https://razorplan.com/wp-content/uploads/2025/07/gradient-4p-BG.webp) ## **Assistance à la génération de prospects** Alimentez votre pipeline de vente et stimulez l’engagement précoce grâce à la fonctionnalité intégrée de prospects de RazorPlan. Invitez vos prospects à explorer une projection de retraite simplifiée pour démontrer la valeur des conseils plus tôt, facilitant ainsi la génération d’intérêt, l’établissement de la confiance et la conversion des prospects en clients. ![](https://razorplan.com/wp-content/uploads/2025/07/gradient-4p-BG.webp) ## **Outils de planification d’assurance performants** RazorPlan offre des outils flexibles pour examiner les couvertures d’assurance et modéliser des stratégies d’assurance avancées. Téléchargez les polices, simulez l’effet de levier ou des plans d’investissement et générez des solutions sur mesure avec un minimum de saisie de données, vous permettant de présenter des recommandations à forte valeur ajoutée avec confiance et professionnalisme. ## Utilisé par **les conseillers en assurance, les conseillers en investissement et les planificateurs financiers** pour donner aux clients des éclaircissements sur: [En savoir plus sur les rapports](/fr/exemples-de-rapports/)[Apprenez grâce aux guides](/fr/formation-et-guides/) ![Razorplan Decumulation UIs](https://razorplan.com/wp-content/uploads/2025/07/razorplan-decumulation.webp) - [Planification des flux de trésorerie](/wp-content/uploads/2025/09/UI_cash-flow-2k.webp) - [Actifs financiers](/wp-content/uploads/2025/09/UI_financial-assets-2k.webp) - [Optimisation de l’accumulation de patrimoine (épargne)](/wp-content/uploads/2025/09/UI_wealth-accumulation-2k.webp) - [Optimisation du décaissement (revenu de retraite)](/wp-content/uploads/2025/09/UI_overview-dashboard-2k.webp) - [Analyse de la gestion des risques et des assurances](/wp-content/uploads/2025/09/UI_risk-management-2k.webp) - [Planification fiscale](/wp-content/uploads/2025/09/UI_tax-planning-2k.webp) - [Planification de la retraite](/wp-content/uploads/2025/09/UI_retirement-options-2k.webp) - [Planification successorale](/wp-content/uploads/2025/09/UI_estate-2k.webp) ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engagez** vos prospects. **Évaluez** leurs besoins. **Offrez** des résultats concrets. [Essai gratuit de 30 jours](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR)[Réservez une démo](/fr/inscrivez-vous-a-une-demonstration-en-direct-webinaires/) ## Surmonter les **défis du décaissement** Fournissez une recommandation impartiale sur la manière de réduire le risque d’épuiser son capital avant la fin de sa vie tout en atteignant les objectifs de style de vie et de succession après impôts. [Réservez une démo](/inscrivez-vous-a-une-demonstration-en-direct-webinaires/)[Découvrez le kit](/fr/boite-a-outils-de-decaissement/) - **Passez moins de temps** à saisir manuellement les stratégies de décaissement et plus de temps à engager les clients dans des discussions significatives. - **Améliorez la satisfaction des clients** en offrant de meilleures options présentées de manière claire et compréhensible. - **Démontrez clairement la valeur que vous offrez** aux clients avec des graphiques et des rapports faciles à lire. ![Razorplan UI sample - Widget](https://razorplan.com/wp-content/uploads/2025/07/razorplan-widget-01.webp) ![reversed pyramid, vector illustration](https://razorplan.com/wp-content/uploads/2025/07/CTA-tetra-3D.svg) NEWSRAZORPLAN BRAND A renewed energy sparks **RazorPlan’s evolution** [Switch the lights on](/razorplan-rebranding-2025) --- ### [Features](https://razorplan.com/features/) **Published:** July 22, 2025 **Author:** leo **Content:** Features # Less Time Building Plans. More Time **Building Trust.** [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/)RazorPlan reduces the manual effort behind financial planning so you can focus on what matters most: your clients. From first conversation to final recommendation, every feature is built to streamline your workflow, simplify complex decisions, and deliver advice that’s both powerful and personal. ![](https://razorplan.com/wp-content/uploads/2025/07/gradient-4p-BG.webp) ## **Fast, Flexible Plan Creation** Build complete financial plans, projections, and scenario comparisons in minutes. Whether you’re exploring options during a client review or delivering a holistic set of projections to a new client, RazorPlan gives you the ability to move seamlessly from discovery to advice. [Go to decumulation kit page](/decumulation-tool-kit-retirement-planning/) ![](https://razorplan.com/wp-content/uploads/2025/07/gradient-4p-BG.webp) ## **Decumulation Strategy Optimization →** Maximize retirement income with outcome-focused strategy. RazorPlan optimizes withdrawal order and amounts from accounts and benefits like CPP/QPP and OAS. Tailor plans to reduce taxes, boost cash flow, or preserve estate value, and align with your clients’ priorities. ![](https://razorplan.com/wp-content/uploads/2025/07/gradient-4p-BG.webp) ## **Retirement Options Analysis** RazorPlan quickly answers key retirement questions, like attainable spending, retirement age, required rate of return, or savings needs, without rebuilding plans. It delivers outcome-driven insights instantly, avoiding manual input changes or scenario duplication, keeping financial planning conversation efficient and focused. [Go to sample reports page](/sample-reports/) ![](https://razorplan.com/wp-content/uploads/2025/07/gradient-4p-BG.webp) ## **Client Friendly Visuals →** RazorPlan simplifies planning conversations with engaging visuals. It transforms complex financial data into clear, intuitive charts, with no jargon or clutter. Ready-made, professional reports that save time and build trust, helping clients understand your advice and see its true value. ![](https://razorplan.com/wp-content/uploads/2025/07/gradient-4p-BG.webp) ## **Scenario Analysis and Comparison** Compare strategies side by side without starting from scratch. Generate reports using a targeted financial planning framework. Clearly show the impact of your advice, both visually and numerically, so clients understand and take informed action with confidence. ![](https://razorplan.com/wp-content/uploads/2025/07/gradient-4p-BG.webp) ## **Lead Generation Support** Fill your sales pipeline and spark early engagement with RazorPlan’s built-in Leads feature. Invite prospects explore a lightweight retirement projection to demonstrate the value of advice earlier, making it easier to generate interest, build trust, and convert leads into clients. ![](https://razorplan.com/wp-content/uploads/2025/07/gradient-4p-BG.webp) ## **Powerful Insurance Planning Tools** RazorPlan offers flexible tools for reviewing insurance coverage and model advanced insurance strategies. Upload policies, simulate leverage or IRPs, and generate tailored solutions with minimal data entry, empowering you to present high-impact recommendations confidently and professionally. ## **Used by Insurance Advisors, Investment Advisors & Financial Planners** to give clients clarity on: [More on reports](/sample-reports/)[Learn from guides](/training/) ![Razorplan Decumulation UIs](https://razorplan.com/wp-content/uploads/2025/07/razorplan-decumulation.webp) - [Cash Flow Planning](/wp-content/uploads/2025/09/UI_cash-flow-2k.webp) - [Financial Assets](/wp-content/uploads/2025/09/UI_financial-assets-2k.webp) - [Wealth Accumulation (Savings) Optimization](/wp-content/uploads/2025/09/UI_wealth-accumulation-2k.webp) - [Decumulation (Retirement Income) Optimization](/wp-content/uploads/2025/09/UI_overview-dashboard-2k.webp) - [Risk Management and Insurance analysis](/wp-content/uploads/2025/09/UI_risk-management-2k.webp) - [Tax Planning](/wp-content/uploads/2025/09/UI_tax-planning-2k.webp) - [Retirement Planning](/wp-content/uploads/2025/09/UI_retirement-options-2k.webp) - [Estate Planning](/wp-content/uploads/2025/09/UI_estate-2k.webp) ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) ## Overcome **decumulation challenges** Provide an unbiased recommendation on how to reduce the risk of outliving money while achieving after-tax lifestyle & estate goals. [Request a demo](/demonstration/)[Discover the kit](/decumulation-tool-kit-retirement-planning/) - **Spend less time** manually entering decumulation strategies and more time engaging clients in meaningful discussions. - **Improve client satisfaction** with better options provided in a digestible way. - **Clearly demonstrate the value you provide** to clients with easy-to-read charts & reports ![Razorplan UI sample - Widget](https://razorplan.com/wp-content/uploads/2025/07/razorplan-widget-01.webp) ![reversed pyramid, vector illustration](https://razorplan.com/wp-content/uploads/2025/07/CTA-tetra-3D.svg) NEWSRAZORPLAN BRAND A renewed energy sparks **RazorPlan’s evolution** [Switch the lights on](/razorplan-rebranding-2025) --- ### [Cookie Policy - Politique en matière de cookies](https://razorplan.com/fr/politique-en-matiere-de-cookies/) **Published:** August 7, 2025 **Author:** lorenzo noventa **Content:** Mise à jour : 7 août 2025 # **Politique en matière de cookies** La présente politique en matière de cookies explique comment Objectway Financial Solutions Inc. (OWFS) utilise les cookies et autres technologies similaires pour vous reconnaître lorsque vous visitez ce site web. Elle explique ce que sont ces technologies et pourquoi nous les utilisons, ainsi que vos droits pour contrôler notre utilisation de celles-ci. Dans certains cas, nous pouvons utiliser des cookies pour collecter des informations personnelles ou des données qui deviennent personnelles si nous les combinons avec d’autres informations. ## Que sont les cookies ? Les cookies sont de petits fichiers de données qui sont placés sur votre ordinateur ou votre appareil mobile lorsque vous visitez un site web. Les cookies sont largement utilisés par les propriétaires de sites web afin de permettre le fonctionnement de leurs sites web ou d’améliorer leur efficacité, ainsi que pour fournir des informations de reporting. Les cookies installés par OWFS sont appelés « cookies propriétaires ». Les cookies installés par des parties autres que OWFS sont appelés « cookies tiers ». Les cookies tiers permettent de fournir des fonctionnalités ou des fonctionnalités tierces sur ou via le site web (par exemple, du contenu interactif et des analyses). Les parties qui installent ces cookies tiers peuvent reconnaître votre ordinateur lorsqu’il visite le site web en question, mais également lorsqu’il visite certains autres sites web. ## Pourquoi utilisons-nous des cookies ? Nous utilisons des cookies propriétaires et tiers pour plusieurs raisons. Certains cookies sont nécessaires pour des raisons techniques afin que nos sites Web puissent fonctionner, et nous les appelons « cookies essentiels » ou « nécessaires ». D’autres cookies nous permettent également de suivre et de cibler les intérêts de nos utilisateurs afin d’améliorer leur expérience sur nos propriétés en ligne. Des tiers utilisent des cookies via nos sites Web à des fins d’analyse, de publicité et à d’autres fins. Ceci est décrit plus en détail ci-dessous. ## Comment puis-je gérer les cookies ? Vous avez le droit de décider d’accepter ou de refuser les cookies. Vous pouvez exercer vos droits en matière de cookies en définissant vos préférences dans le gestionnaire de consentement aux cookies. Le gestionnaire de consentement aux cookies vous permet de sélectionner les catégories de cookies que vous acceptez ou refusez. Les cookies essentiels ne peuvent pas être refusés, car ils sont strictement nécessaires pour vous fournir des services. Lors de votre première visite sur notre site Web, vous pouvez définir vos préférences et, à tout moment, vous pouvez modifier vos préférences concernant les cookies non essentiels. Vous pouvez également supprimer vos cookies en effaçant l’historique de navigation et les cookies de votre navigateur web. En outre, notre bannière relative aux cookies peut s’afficher à nouveau si vous supprimez les cookies, utilisez un autre navigateur ou un autre ordinateur, ou si nous modifions nos sites web . Le gestionnaire de consentement aux cookies se trouve dans la bannière de notification et sur notre site Web. Si vous choisissez de refuser les cookies non essentiels, vous pouvez toujours utiliser notre site Web, mais certaines fonctionnalités peuvent être entravées ou restreintes. Les types spécifiques de cookies propriétaires et tiers utilisés par nos sites Web et les finalités pour lesquelles ils sont utilisés sont décrits dans le tableau ci-dessous (veuillez noter que les cookies spécifiques utilisés peuvent varier en fonction des propriétés en ligne que vous visitez). **Cookies essentiels ou nécessaires** : ces cookies sont strictement nécessaires pour vous fournir des services ou des fonctionnalités via nos sites Web et pour utiliser certaines de leurs fonctionnalités, telles que l’accès à des zones sécurisées. **Cookies de performance et de fonctionnalité** : ces cookies sont utilisés pour améliorer les performances et la fonctionnalité de nos sites Web, mais ne sont pas indispensables à leur utilisation. Toutefois, sans ces cookies, certaines fonctionnalités (telles que les vidéos) peuvent devenir indisponibles. **Cookies analytiques** : ces cookies collectent des informations qui sont utilisées sous forme agrégée pour nous aider à comprendre comment nos sites Web sont utilisés ou l’efficacité de nos campagnes marketing, ou pour nous aider à personnaliser nos sites Web pour vous et à améliorer l’expérience utilisateur et la commodité de nos opérations sur le site Web. Ils nous permettent de comprendre comment vous arrivez sur nos sites Web et comment vous les utilisez afin d’améliorer leurs performances, par exemple en compilant des statistiques et des volumes de visite (par exemple, les pages consultées et les itinéraires de navigation). **Cookies publicitaires** : ces cookies sont utilisés pour rendre les messages publicitaires plus pertinents pour vous. Ils remplissent des fonctions telles que la prévention de la réapparition continue de la même publicité, la garantie que les publicités sont correctement affichées pour les annonceurs et, dans certains cas, la sélection de publicités basées sur vos intérêts. OWFS n’utilise actuellement aucun cookie publicitaire. **Cookies de réseaux sociaux** : ces cookies sont utilisés pour vous permettre de partager des pages et du contenu que vous trouvez intéressants sur nos sites Web via des réseaux sociaux tiers et d’autres sites Web. Ces cookies peuvent également être utilisés à des fins publicitaires. **Cookies non classés** : il s’agit de cookies qui n’ont pas encore été classés. Nous n’utilisons actuellement aucun cookie non classé. ## Comment puis-je gérer les cookies dans mon navigateur ? Étant donné que la manière dont vous pouvez refuser les cookies via les paramètres de votre navigateur web varie d’un navigateur à l’autre, nous vous invitons à consulter le menu d’aide de votre navigateur pour plus d’informations. Si vous préférez ne pas accepter les cookies, la plupart des navigateurs vous permettent de modifier vos paramètres afin d’être averti lorsque vous recevez un cookie, ce qui vous permet de choisir d’ , de refuser ou de désactiver/rejeter automatiquement tous les cookies. Cependant, vous ne pouvez pas désactiver certains types de cookies qui sont essentiels au fonctionnement du site Web. Voici les instructions pour certains navigateurs courants : Google Chrome Mozilla Firefox En outre, la plupart des réseaux publicitaires vous offrent la possibilité de refuser la publicité ciblée. Si vous souhaitez obtenir plus d’informations, vous pouvez consulter le site web de la Digital Advertising Alliance of Canada (DAAC) à l’adresse https://youradchoices.ca/en/tools. Vous pouvez désactiver les programmes de publicité en réseau qui suivent vos activités sur plusieurs sites Web afin de vous proposer des contenus publicitaires personnalisés. Pour plus d’informations sur la manière de désactiver cette publicité, vous pouvez consulter le site Web de la Digital Advertising Alliance of Canada (DAAC) à l’adresse https://youradchoices.ca/en/tools. ## À quelle fréquence cette politique en matière de cookies sera-t-elle mise à jour ? Nous pouvons mettre à jour la présente politique en matière de cookies de temps à autre afin de refléter, par exemple, des modifications apportées aux cookies que nous utilisons ou pour d’autres raisons opérationnelles, légales ou réglementaires. Veuillez donc consulter régulièrement la présente politique en matière de cookies afin de rester informé de notre utilisation des cookies et des technologies connexes. ## Qui puis-je contacter si j’ai des questions sur les cookies ou la publicité ciblée par centres d’intérêt ? Si vous avez des questions ou des préoccupations concernant notre publicité ciblée par centres d’intérêt ou notre politique de confidentialité, veuillez contacter notre responsable de la confidentialité à l’adresse privacy@nestwealth.com. Vous pouvez également nous contacter au 647-725-2559 ou nous écrire à l’adresse 510-214 King St. West, Toronto ON M5H3S6. Toutes les soumissions/demandes doivent être adressées à l’attention du responsable de la confidentialité. Veuillez consulter notre politique de confidentialité pour plus d’informations sur nos pratiques en matière de confidentialité. ## Gérer vos préférences en matière de cookies Vous pouvez revenir sur la bannière de consentement aux cookies et modifier vos préférences en matière de cookies ou retirer votre consentement immédiatement en cliquant sur l’onglet « Gérer le consentement » au bas de chaque page. Ouvrez votre fenêtre de préférences relatives aux cookies en cliquant ici ou gérez vos préférences ci-dessous: You have loaded the Cookie Policy without javascript support. On AMP, you can use the manage consent button on the bottom of the page. ## Présentation des cookies Voici les détails des cookies qui peuvent être utilisés sur notre site web, regroupés par service ou par fonction. ### WordPress Functional Consent to service wordpress #### Usage We use WordPress for website development. [Read more about WordPress](https://cookiedatabase.org/service/wordpress/) #### Sharing data This data is not shared with third parties. #### Functional ##### Name [wp-settings-\*](https://cookiedatabase.org/cookie/wordpress/wp-settings/) ##### Expiration persistent ##### Function Store user preferences ##### Name [wp-settings-time-\*](https://cookiedatabase.org/cookie/wordpress/wp-settings-time/) ##### Expiration 1 year ##### Function Store user preferences ##### Name [wordpress\_test\_cookie](https://cookiedatabase.org/cookie/wordpress/wordpress_test_cookie/) ##### Expiration session ##### Function Read if cookies can be placed ##### Name [wp\_lang](https://cookiedatabase.org/cookie/wordpress/wp_lang/) ##### Expiration session ##### Function Store language settings ##### Name [wordpress\_logged\_in\_\*](https://cookiedatabase.org/cookie/wordpress/wordpress_logged_in_/) ##### Expiration persistent ##### Function Store logged in users ##### Name [WP\_PREFERENCES\_USER\_\*](https://cookiedatabase.org/cookie/wordpress/wp_preferences_user_/) ##### Expiration persistent ##### Function Store user preferences ### Google Analytics Statistics Consent to service google-analytics #### Usage We use Google Analytics for website statistics. [Read more about Google Analytics](https://cookiedatabase.org/service/google-analytics/) #### Sharing data For more information, please read the [Google Analytics Privacy Statement](https://business.safety.google/privacy/). #### Statistics ##### Name [\_ga](https://cookiedatabase.org/cookie/google-analytics/_ga/) ##### Expiration 2 years ##### Function Store and count pageviews ##### Name [\_ga\_\*](https://cookiedatabase.org/cookie/google-analytics/_ga_/) ##### Expiration 1 year ##### Function Store and count pageviews ### Complianz Functional Consent to service complianz #### Usage We use Complianz for cookie consent management. [Read more about Complianz](https://cookiedatabase.org/service/complianz/) #### Sharing data This data is not shared with third parties. For more information, please read the [Complianz Privacy Statement](https://complianz.io/legal/privacy-statement/). #### Functional ##### Name [cmplz\_policy\_id](https://cookiedatabase.org/cookie/complianz/cmplz_policy_id/) ##### Expiration 365 days ##### Function Store accepted cookie policy ID ##### Name [cmplz\_statistics](https://cookiedatabase.org/cookie/complianz/cmplz_statistics/) ##### Expiration 365 days ##### Function Store cookie consent preferences ##### Name [cmplz\_banner-status](https://cookiedatabase.org/cookie/complianz/cmplz_banner-status/) ##### Expiration 365 days ##### Function Store if the cookie banner has been dismissed ##### Name [cmplz\_preferences](https://cookiedatabase.org/cookie/complianz/cmplz_preferences/) ##### Expiration 365 days ##### Function Store cookie consent preferences ##### Name [cmplz\_functional](https://cookiedatabase.org/cookie/complianz/cmplz_functional/) ##### Expiration 365 days ##### Function Store cookie consent preferences ##### Name [cmplz\_consented\_services](https://cookiedatabase.org/cookie/complianz/cmplz_consented_services/) ##### Expiration 365 days ##### Function Store cookie consent preferences ##### Name [cmplz\_marketing](https://cookiedatabase.org/cookie/complianz/cmplz_marketing/) ##### Expiration 365 days ##### Function Store cookie consent preferences ### Microsoft Clarity Marketing, Statistics Consent to service microsoft-clarity #### Usage We use Microsoft Clarity for heat maps and screen recordings. [Read more about Microsoft Clarity](https://cookiedatabase.org/service/microsoft/) #### Sharing data For more information, please read the [Microsoft Clarity Privacy Statement](https://www.microsoft.com/en-us/privacy/privacystatement). #### Marketing ##### Name [\_clck](https://cookiedatabase.org/cookie/microsoft/_clck/) ##### Expiration 1 year ##### Function Store a unique user ID ##### Name [ANONCHK](https://cookiedatabase.org/cookie/microsoft/anonchk/) ##### Expiration ##### Function ##### Name [MUID](https://cookiedatabase.org/cookie/microsoft/muid/) ##### Expiration 1 year ##### Function Store and track visits across websites #### Statistics ##### Name [\_clsk](https://cookiedatabase.org/cookie/microsoft/_clsk/) ##### Expiration 1 day ##### Function Store and combine pageviews by a user into a single session recording ##### Name [\_cltk](https://cookiedatabase.org/cookie/microsoft/_cltk/) ##### Expiration ##### Function Store and track interaction ### Polylang Functional Consent to service polylang #### Usage We use Polylang for locale management. [Read more about Polylang](https://cookiedatabase.org/service/polylang/) #### Sharing data This data is not shared with third parties. #### Functional ##### Name [pll\_language](https://cookiedatabase.org/cookie/polylang/pll_language/) ##### Expiration persistent ##### Function Store language settings ### Vimeo Statistics Consent to service vimeo #### Usage We use Vimeo for video display. [Read more about Vimeo](https://cookiedatabase.org/service/vimeo/) #### Sharing data For more information, please read the [Vimeo Privacy Statement](https://vimeo.com/privacy). #### Statistics ##### Name [\_\_utmt\_player](https://cookiedatabase.org/cookie/vimeo/__utmt_player/) ##### Expiration 10 minutes ##### Function Store and track audience reach ##### Name [vuid](https://cookiedatabase.org/cookie/vimeo/vuid/) ##### Expiration 2 years ##### Function Store the user's usage history ### Atlassian Jira Servicedesk Statistics Consent to service atlassian-jira-servicedesk #### Usage We use Atlassian Jira Servicedesk for customer support management. [Read more about Atlassian Jira Servicedesk](https://cookiedatabase.org/service/atlassian-jira-servicedesk/) #### Sharing data This data is not shared with third parties. #### Statistics ##### Name [ajs\_anonymous\_id](https://cookiedatabase.org/cookie/atlassian-jira-servicedesk/ajs_anonymous_id/) ##### Expiration 1 year ##### Function Store last visit ### Google Chrome core service Functional Consent to service google-chrome-core-service #### Usage We use Google Chrome core service for content management. #### Sharing data This data is not shared with third parties. #### Functional ##### Name loglevel:DOMHelper ##### Expiration ##### Function ##### Name loglevel:autofill ##### Expiration ##### Function ##### Name loglevel:InlineAutoFillService ##### Expiration ##### Function ##### Name loglevel:AutoFillService ##### Expiration ##### Function ##### Name loglevel:LandCatchService ##### Expiration ##### Function ##### Name loglevel:MutationListener ##### Expiration ##### Function ##### Name loglevel:MiscService ##### Expiration ##### Function ##### Name loglevel:LnCAddContent ##### Expiration ##### Function ### Google Adsense Statistics, Marketing Consent to service google-adsense #### Usage We use Google Adsense for showing advertisements. [Read more about Google Adsense](https://cookiedatabase.org/service/google-adsense/) #### Sharing data For more information, please read the [Google Adsense Privacy Statement](https://business.safety.google/privacy/). #### Statistics ##### Name [\_gcl\_ls](https://cookiedatabase.org/cookie/google-adsense/auto-draft-23/) ##### Expiration ##### Function Store and track interaction #### Marketing ##### Name [\_gcl\_au](https://cookiedatabase.org/cookie/google-adsense/_gcl_au/) ##### Expiration persistent ##### Function Store and track conversions ##### Name [google\_adsense\_settings](https://cookiedatabase.org/cookie/google-adsense/google_adsense_settings/) ##### Expiration persistent ##### Function Provide ad delivery or retargeting ### Pardot Marketing, Functional Consent to service pardot #### Usage We use Pardot for remarketing. [Read more about Pardot](https://cookiedatabase.org/service/pardot/) #### Sharing data For more information, please read the [Pardot Privacy Statement](https://www.salesforce.com/company/privacy/). #### Marketing ##### Name [visitor\_id\*](https://cookiedatabase.org/cookie/pardot/visitor_id/) ##### Expiration various ##### Function Store a unique user ID #### Functional ##### Name [visitor\_id\*-hash](https://cookiedatabase.org/cookie/pardot/visitor_id-hash/) ##### Expiration persistent ##### Function Provide protection against hackers ### CloudFlare Functional Consent to service cloudflare #### Usage We use CloudFlare for content distribution network (CDN) services. [Read more about CloudFlare](https://cookiedatabase.org/service/cloudflare/) #### Sharing data For more information, please read the [CloudFlare Privacy Statement](https://www.cloudflare.com/privacypolicy). #### Functional ##### Name [\_\_cf\_bm](https://cookiedatabase.org/cookie/cloudflare/__cf_bm/) ##### Expiration 30 minutes ##### Function Read and filter requests from bots ##### Name [cf\_\*](https://cookiedatabase.org/cookie/cloudflare/cf_/) ##### Expiration at least one session ##### Function Used for mitigating security risks --- ### [Privacy Policy - Politique de confidentialité](https://razorplan.com/fr/politique-de-confidentialite/) **Published:** August 7, 2025 **Author:** lorenzo noventa **Content:** Mise à jour : 7 août 2025 # **Politique de confidentialité** La présente politique de confidentialité explique les mesures que nous prenons pour respecter ces engagements et décrit la manière dont nous collectons, utilisons, divulguons et traitons les informations personnelles via notre site Web et notre plateforme. La présente politique de confidentialité s’applique à Nest Wealth Asset Management Inc. (NWAM) et Objectway Financial Solutions Inc. (OWFS). Les entités susmentionnées sont collectivement désignées par les termes « nous » ou « notre ». NWAM est un gestionnaire de portefeuille agréé qui fournit des services de gestion discrétionnaire de portefeuille aux investisseurs canadiens dans les juridictions où elle exerce ses activités. OWFS est un fournisseur de technologie de gestion de patrimoine numérique pour les entreprises, utilisée par des sociétés de conseil en Amérique du Nord. Nous nous engageons à protéger les renseignements personnels de nos clients et de notre personnel, et la présente politique divulgue la manière dont les renseignements personnels sont utilisés par notre organisation. Nous nous engageons également à : - Limiter les renseignements personnels que nous recueillons à ce qui est nécessaire et ne les utiliser qu’à ces fins ; - n’utilisons les renseignements personnels qu’aux fins pour lesquelles ils ont été obtenus et obtenons le consentement avant de les utiliser à d’autres fins ; - Nous veillons à ce que les prestataires de services et les sous-traitants qui ont accès aux informations personnelles soient tenus de protéger ces informations et de ne pas les utiliser à des fins non autorisées ; - Formons nos employés afin de garantir que les informations personnelles sont traitées de manière appropriée et que les employés comprennent leurs obligations. **Les « informations personnelles »** désignent toute information relative à une personne identifiable. Il peut s’agir d’informations telles que le nom, l’âge, la date de naissance, l’adresse personnelle, le numéro d’assurance sociale, l’état civil, le revenu, le numéro de compte, le numéro d’identification client, l’adresse électronique personnelle et les messages, ainsi que l’adresse IP (protocole Internet) et d’autres indicateurs. Les informations personnelles ne comprennent pas les coordonnées professionnelles d’une personne qui sont collectées, utilisées ou divulguées uniquement dans le but de communiquer ou de faciliter la communication avec cette personne dans le cadre de son emploi, de ses activités professionnelles ou de sa profession. Les informations personnelles ne comprennent pas non plus les informations agrégées ou anonymisées. ## Quels sont les renseignements personnels que nous recueillons ? Les renseignements personnels sont recueillis en fonction du type d’interaction que nous avons avec vous. Ces interactions sont regroupées comme suit : - Utilisation de notre plateforme et de nos services de gestion de patrimoine en notre qualité de gestionnaire de portefeuille agréé - Interactions avec les clients de notre société de conseil dans le cadre de l’accord relatif à l’utilisation de notre plateforme et de nos services de gestion de patrimoine - Informations collectées automatiquement lors de l’utilisation de notre plateforme ou de notre site web - Les informations que vous fournissez lors de l’utilisation de notre site web et d’autres interactions marketing avec des clients potentiels - Les informations fournies lorsque vous postulez à un poste chez nous Lorsque notre plateforme est utilisée par nos clients en conseil, nos clients restent les principaux responsables des informations personnelles de leurs clients. Dans ces circonstances, nous pouvons rediriger une question concernant la collecte de vos informations personnelles vers notre client. ## Informations qui nous sont fournies dans le cadre de nos services de gestion de portefeuille Les informations personnelles requises sont collectées et utilisées dans le cadre de la prestation de nos services. | **Informations personnelles collectées** | **Utilisation / Finalité** | |---|---| | Informations d’identité personnelle (nom, adresse, coordonnées, date de naissance, profession, documents d’identité) | Nous collectons ces informations afin de : - vérifier votre identité et vous authentifier lorsque vous nous contactez. - nous conformer à la législation sur les valeurs mobilières et aux lois sur la lutte contre le blanchiment d’argent (AML), qui nous obligent à connaître nos clients, ce qui inclut la collecte d’informations personnelles sur les clients afin de satisfaire aux exigences en matière de connaissance du client (KYC). - évaluer et déterminer votre admissibilité à nos produits et services - gérer nos risques et nos opérations. | | Informations financières et bancaires (actifs, passifs, revenus, dépenses, chèques annulés, informations sur les comptes bancaires, historique des transactions, types de comptes et soldes ou limites, noms des institutions financières et informations financières connexes que nous recueillons auprès de vous ou de votre institution financière). | Afin de pouvoir vous fournir nos services de gestion discrétionnaire de portefeuille, nous avons l’obligation légale de comprendre votre situation financière afin de vous fournir des conseils en matière d’investissement. Nous avons également besoin de vos informations bancaires pour vous permettre d’approvisionner votre compte et d’envoyer de l’argent sur votre compte bancaire. | | Informations sur les bénéficiaires | Si vous ouvrez un compte de retraite enregistré, nous pouvons vous demander de fournir certaines informations sur les bénéficiaires, telles que le nom et la profession de votre conjoint, les noms et âges de vos enfants ou personnes à charge, que nous recueillons auprès de vous sur vos formulaires de demande. Si vous fournissez des informations sur un mineur, vous devez être désigné comme personne ayant l’autorité parentale sur ce mineur afin de donner votre consentement pour partager ses informations personnelles en son nom. | | Questionnaires sur le profil de l’investisseur | Il peut s’agir des actifs que vous détenez et de leur valeur, ainsi que de vos connaissances et objectifs en matière d’investissement, que vous fournissez dans les formulaires d’information sur les risques que nous vous demandons de remplir. | | Informations fiscales (numéro d’assurance sociale) | Nous avons besoin de votre NAS pour certains types de comptes/déclarations fiscales et le communiquerons aux organismes gouvernementaux compétents. Nous pouvons également le communiquer à des services d’identification afin de vous identifier conformément aux lois et réglementations locales en matière de lutte contre le blanchiment d’argent. | | Informations sur vos transactions avec nous et vos communications avec nous | Nous conservons les informations relatives à vos interactions avec nos équipes de service à la clientèle et de conseil conformément aux exigences locales en matière de valeurs mobilières. | | Prévention de la fraude | Nous pouvons utiliser vos informations personnelles pour vous protéger et nous protéger contre la fraude et les erreurs. Cela inclut la prévention, la détection ou la répression des abus financiers, de la fraude ou des activités criminelles. Cela peut inclure la collaboration avec des agences externes ou des organismes de réglementation afin d’enquêter et de résoudre des cas ou des allégations de fraude. | ## Interactions avec les clients de notre société de conseil Lorsque vous vous inscrivez à l’un de nos services ou demandez des informations sur nos services et produits, nous recueillons vos coordonnées professionnelles afin de faciliter la communication et les interactions avec vous, de vérifier votre identité lorsque vous nous contactez et de vous fournir des informations sur un produit ou un service susceptible de vous intéresser. Veuillez noter que si vous retirez votre consentement à recevoir des communications promotionnelles, ce retrait ne s’appliquera pas aux communications obligatoires que les clients doivent recevoir. ## Informations collectées automatiquement lors de l’utilisation de notre plateforme ou de notre site web Lorsque vous utilisez notre plateforme, des journaux peuvent collecter vos informations personnelles telles que votre adresse e-mail et votre adresse IP (protocole Internet). Ces données sont utilisées à des fins de surveillance de la sécurité et pour fournir une trace vérifiable des transactions et des activités qui se produisent sur nos systèmes. Les visiteurs du site web ne sont pas tenus d’indiquer leur identité ni de fournir des informations personnelles. Cependant, lorsque vous naviguez sur le site web et utilisez notre plateforme, certaines informations relatives à vos habitudes de navigation, vos identifiants de connexion et les données techniques concernant l’équipement que vous utilisez pour accéder au site web sont automatiquement collectées à l’aide de cookies, de journaux de serveur et d’autres technologies similaires. Nous pouvons faire appel à des tiers, notamment Google Analytics et Mixpanel, pour nous aider à collecter et analyser des informations sur l’utilisation du site Web et de la plateforme. Nous pouvons également anonymiser vos informations en supprimant les identifiants personnels tels que votre nom, votre adresse et vos numéros de compte à des fins d’analyse et de reporting afin de nous aider à identifier les tendances et les informations utiles pour améliorer nos services. Certaines informations collectées par les moyens susmentionnés sont essentielles et nécessaires à l’utilisation de nos services, notamment pour permettre le fonctionnement des fonctionnalités requises et pour surveiller et améliorer la sécurité et la fonctionnalité de notre plateforme et de notre site web. D’autres informations considérées comme non essentielles nous aident à comprendre l’activité et à mieux comprendre, évaluer et améliorer l’expérience utilisateur et la commodité de notre site web et de nos services. Vous avez la possibilité de désactiver la collecte d’informations non essentielles. Veuillez consulter notre Politique en matière de cookies pour plus d’informations. ## Interactions avec vous lors de l’utilisation de notre site web et autres interactions marketing avec des clients potentiels Vous pouvez nous fournir vos coordonnées (adresse e-mail, numéro de téléphone, adresse postale) lorsque vous demandez des informations ou une démonstration sur un produit ou un service, lorsque vous vous inscrivez à des offres spéciales, lorsque vous participez à un concours ou lorsque vous répondez à un sondage. En nous fournissant vos coordonnées, vous consentez à ce que nous collections, utilisions, consultions, divulguions et conservions vos informations personnelles à des fins de communication, notamment pour répondre à vos demandes, nous aider à mieux comprendre vos besoins et vous informer d’autres produits et services susceptibles de vous intéresser (y compris ceux de tiers et d’affiliés sélectionnés). Vous pouvez retirer votre consentement à tout moment, comme expliqué ci-dessous. Nous pouvons également obtenir vos coordonnées à partir de bases de données publiques, de fournisseurs de services marketing tiers et d’autres sources externes. Nous utilisons ces informations pour vous contacter au sujet de produits et services susceptibles de vous intéresser. À tout moment, vous pouvez demander la suppression ou la mise à jour de vos coordonnées dans nos systèmes de gestion des contacts, de la manière décrite ci-dessous. ## Informations fournies lors du processus de recrutement Lorsque vous postulez à un poste chez nous, vous fournissez vos informations d’identité personnelles, notamment votre nom, votre adresse, vos numéros de téléphone, votre institution financière et vos documents d’identité afin de faciliter les communications et les interactions avec vous, de faciliter le paiement de vos services et la gestion des programmes d’avantages sociaux en votre nom, et d’effectuer des vérifications d’antécédents lorsque vous postulez à un poste chez nous. ## Collecte de renseignements personnels Les informations personnelles que nous détenons à votre sujet peuvent être collectées directement auprès de vous (ou de toute personne autorisée à agir en votre nom en vertu d’une procuration ou d’une autre autorité légale), et auprès de sources internes ou externes à notre organisation, notamment : - nos interactions avec vous (y compris les communications téléphoniques et les courriels) ; - les données que vous avez saisies sur notre plateforme de gestion de patrimoine ; - les données fournies par nos prestataires de services en rapport avec votre utilisation de nos services ou votre secteur d’activité ; - votre utilisation de notre plateforme et de nos sites web ; - votre planificateur financier ou autre conseiller professionnel tel qu’un comptable/avocat ; - les organismes gouvernementaux, les agences et les registres ; - les organismes de réglementation ; - les autorités chargées de l’application de la loi ; - les registres publics ; - les sites d’offres d’emploi ; - agences d’évaluation du crédit Nous ne vendons pas vos informations personnelles. Vos informations personnelles ne seront pas utilisées, divulguées ou conservées à des fins autres que celles pour lesquelles elles ont été collectées, sauf avec l’autorisation de la personne concernée ou dans les cas prévus ou requis par la loi. ## Consentement Lorsque vous fournissez vos informations personnelles via notre site web, notre plateforme et les sources externes mentionnées ci-dessus, vous consentez, reconnaissez et acceptez la collecte et l’utilisation de vos informations personnelles aux fins décrites ci-dessus. Si vous ne fournissez pas les informations essentielles, nous ne serons pas en mesure de vous fournir ces services. ## Retrait du consentement Vous pouvez refuser de consentir à la collecte, à l’utilisation ou à la divulgation de vos informations personnelles, ou vous pouvez retirer votre consentement à la collecte, à l’utilisation ou à la divulgation de vos informations personnelles à tout moment en nous en informant dans un délai raisonnable, sous réserve d’exceptions limitées. Si vous souhaitez retirer votre consentement ou demander votre suppression de nos systèmes de gestion des contacts, vous pouvez le faire à tout moment en contactant notre service clientèle à l’adresse[**support@nestwealth.com**](mailto:support@nestwealth.com) ou en cliquant sur le lien « se désabonner » au bas des e-mails que nous vous envoyons. Certains e-mails peuvent ne pas inclure de lien « se désabonner » car ils contiennent des informations obligatoires que tous les clients doivent recevoir. Selon les circonstances, le retrait de votre consentement peut nous empêcher de vous fournir ou de continuer à vous fournir certains produits et services, l’accès à certains produits et services, ou des informations qui pourraient vous être utiles. En outre, nous pouvons avoir des obligations légales, réglementaires ou contractuelles de collecter, utiliser ou divulguer certaines de vos informations personnelles, auquel cas vous ne pouvez pas retirer votre consentement. Vous ne pouvez pas non plus refuser de consentir à la collecte, à l’utilisation et à la divulgation des informations personnelles requises par nos organismes de réglementation. Nous donnerons suite à vos instructions dans les plus brefs délais, mais il se peut que nous ne puissions pas mettre fin immédiatement à certaines utilisations de vos informations. ## Périodes de conservation des informations personnelles Sauf dans les cas où la loi ou la réglementation applicable l’autorise ou l’exige, nous ne conserverons vos informations personnelles que pendant la durée nécessaire à la réalisation des objectifs pour lesquels nous les avons collectées, y compris pour satisfaire à toute exigence légale, comptable ou de reporting. ## Prise de décision automatisée et profilage Nous pouvons utiliser des systèmes de prise de décision automatisés pour traiter vos informations personnelles et nous pouvons nous fier aux décisions prises ou aux profils fournis par ces systèmes automatisés à des fins de vérification AML ou de sécurité (c’est-à-dire pour identifier votre identité ou détecter/prévenir les fraudes). Sur demande de l’ , nous vous fournirons des informations sur le fonctionnement du système et des processus de prise de décision automatisés. ## Sécurité de vos données La sécurité, l’intégrité et la confidentialité de vos informations personnelles sont importantes pour nous. Nous avons mis en place un programme complet de sécurité de l’information qui répond aux normes généralement acceptées dans le secteur. Notre programme comprend des mesures de protection, des procédures et des pratiques administratives, techniques et physiques appropriées pour protéger les informations personnelles qui nous sont transmises, tant pendant leur transmission qu’après leur réception. Lorsque vous saisissez des informations dans nos systèmes, nous cryptons leur transmission à l’aide de la technologie SSL (Secure Socket Layer). Nous limitons l’accès aux informations personnelles aux employés et aux prestataires de services autorisés qui en ont besoin pour remplir leurs fonctions. ## Divulgation des informations personnelles Afin de vous fournir nos produits et services, nous pouvons être amenés à partager vos informations personnelles avec d’autres parties qui sont tenues de protéger la confidentialité de ces informations. Les informations partagées seront limitées aux informations nécessaires pour faciliter l’organisation. Vos informations personnelles peuvent être divulguées : - conformément à tout consentement applicable obtenu de votre part ; - dans le cadre d’une transaction commerciale que nous envisageons ou dans laquelle nous sommes impliqués (y compris l’achat d’une entreprise ou la vente d’une partie ou de la totalité de notre entreprise) ; - pour répondre à une ordonnance d’un tribunal, à un mandat de perquisition ou à toute autre demande ou requête valide ; - pour satisfaire à toute exigence légale ou réglementaire applicable ; - à des fournisseurs, prestataires de services, agents ou autres organisations qui fournissent des services pour vous, pour nous ou en notre nom (y compris d’autres sociétés du groupe Objectway) ; - à une autre juridiction pour traitement (par exemple, l’UE) ; pendant que les informations se trouvent dans l’autre juridiction, elles peuvent être consultées par les tribunaux, les forces de l’ordre et les autorités chargées de la sécurité nationale ; - à toute personne autorisée disposant d’un pouvoir légal, y compris une procuration ; - à notre personnel qui a un motif commercial légitime de les utiliser ; - lorsque la loi l’autorise. ## Divulgation entre provinces et à l’extérieur du Canada Les fournisseurs, prestataires de services et autres organisations auxquels nous pouvons faire appel peuvent être situés en dehors de votre province de résidence et du Canada. Par conséquent, vous devez vous attendre à ce que vos informations personnelles soient collectées, consultées, utilisées, divulguées et stockées en dehors de votre province et du Canada. Dans ce cas, vos informations personnelles peuvent être accessibles ou divulguées aux forces de l’ordre, aux organismes de réglementation ou aux autorités de la ou des juridictions où les informations personnelles sont consultées, utilisées, divulguées ou stockées. Si vos renseignements personnels sont transférés à un fournisseur de services situé à l’extérieur de votre province ou de votre pays, nous prendrons des mesures pour protéger vos renseignements personnels au moyen de clauses contractuelles appropriées ou d’autres mesures de protection applicables. ## Divulgation à des sociétés affiliées Objectway Financial Solutions Inc. fournit la plateforme numérique offerte aux clients de Nest Wealth Asset Management Inc. Par conséquent, les informations sur les clients de NWAM fournies par l’intermédiaire de la plateforme sont partagées avec Objectway Financial Solutions Inc. Divulgation à des fournisseurs de services essentiels **Infrastructure de la plateforme :** Nous faisons appel à des fournisseurs d’infrastructure en tant que service (IaaS) réputés pour héberger notre plateforme numérique de gestion de patrimoine, notre logiciel de planification financière et les bases de données, utilitaires et services connexes, ainsi qu’aux services d’autres fournisseurs tiers pour les services de base de données, la surveillance et le soutien des réseaux et des systèmes, l’administration de la sécurité et les services de développement et de mise en œuvre de logiciels. **Dépositaires :** lorsque vous ouvrez un compte chez nous, vous devez également ouvrir un compte de courtage auprès de National Bank Independent Network (NBIN) ou de Fidelity Clearing Corporation (FCC), qui sont les dépositaires auxquels nous faisons appel pour fournir des services d’exécution des transactions, de compensation et d’autres services en notre nom. Nous devons également les informer de toute mise à jour ou modification de vos informations de compte. Lorsque vous ouvrez un compte, vous recevrez plus d’informations sur ces dépositaires dans votre dossier d’ouverture de compte. **Vérification d’identité :** Lorsque vous ouvrez un compte chez nous, nous pouvons partager vos informations avec des agences d’évaluation du crédit (Equifax / Transunion) à des fins d’identification des clients. **Gestion de portefeuille :** pour nos clients bénéficiant de services de gestion de portefeuille, nous faisons appel à un prestataire tiers pour le rééquilibrage des portefeuilles de nos clients et l’exécution quotidienne des transactions. Services à la clientèle : nous faisons appel à des fournisseurs de logiciels de gestion de la relation client (CRM) afin de faciliter la communication avec nos clients et les opérations quotidiennes d’assistance à la clientèle. Nous pouvons également utiliser d’autres outils pour faciliter les appels vidéo ou téléphoniques avec nos clients. **Fournisseurs de signatures électroniques :** Notre plateforme de gestion de patrimoine numérique comprend des intégrations avec des fournisseurs de signatures électroniques nécessaires pour remplir numériquement des documents tels que les demandes d’ouverture de compte et autres documents pouvant être requis pour ouvrir un compte chez nous. **Divulgation de votre NAS** Votre NAS peut être communiqué à des tiers à des fins de déclaration fiscale, conformément à la loi. En outre, en fonction du produit ou du service que vous avez souscrit auprès de nous, nous pouvons être tenus par la loi de vérifier l’identité de tous nos clients, des bénéficiaires des comptes et des mandataires. ## Accès à vos renseignements personnels et correction de ceux-ci Selon le produit ou le service que vous avez souscrit auprès de nous, vous pouvez accéder à vos renseignements personnels en ligne directement via votre portail client. De plus, sur demande écrite, nous vous fournirons des détails concernant vos renseignements personnels, y compris les renseignements que nous détenons à votre sujet et la manière dont ils ont été utilisés et divulgués. Veuillez noter que dans certains cas, l’accès peut être restreint conformément à la loi. Nous vous informerons des raisons de cette restriction, sous réserve de toute restriction légale ou réglementaire. Vous avez le droit de demander la correction de vos informations personnelles. Si vous constatez une inexactitude dans vos informations personnelles ou si vous devez modifier ces informations, veuillez nous contacter immédiatement à l’adresse[**support@nestwealth.com**](mailto:support@nestwealth.com) afin que nous puissions mettre à jour nos dossiers. Si vous souhaitez accéder à vos informations personnelles, les corriger ou retirer votre consentement à leur utilisation, vous pouvez contacter notre service clientèle à l’adresse[**support@nestwealth.com**](mailto:support@nestwealth.com) ou envoyer un e-mail à notre équipe chargée de la confidentialité à l’adresse[**privacy@nestwealth.com**](mailto:privacy@nestwealth.com) . ## Mises à jour de notre politique de confidentialité Nous publierons toute modification apportée à notre politique de confidentialité sur cette page. Nous indiquerons la date de la dernière révision de la politique de confidentialité en haut de la page. Il vous incombe de vous assurer que nous disposons d’une adresse e-mail à jour, active et valide, et de consulter régulièrement notre site web et la présente politique de confidentialité afin de prendre connaissance de toute modification. ## Contact Si vous avez des questions ou des préoccupations concernant cette politique ou des questions relatives à la confidentialité et à la protection des données, veuillez contacter notre responsable de la conformité à l’adresse [**privacy@nestwealth.com**](mailto:privacy@nestwealth.com) Si, après nous avoir contactés, vous estimez que vos préoccupations concernant vos informations personnelles n’ont pas été traitées de manière adéquate, vous pouvez contacter le Commissariat à la protection de la vie privée du Canada – [**https://www.priv.gc.ca/en/report-a-concern/**](https://www.priv.gc.ca/en/report-a-concern/) Au Québec, l’organisme responsable de la protection de la vie privée est la Commission d’accès à l’information du Québec – [**https://www.cai.gouv.qc.ca/**](https://www.cai.gouv.qc.ca/) --- ### [Privacy Policy](https://razorplan.com/privacy-policy/) **Published:** August 7, 2025 **Author:** lorenzo noventa **Content:** Updated: August 07, 2025 # **Privacy Policy** This Privacy Policy explains the measures we take to fulfill these commitments and describes the manner in which we collect, use, disclose and treat personal information through our website and platform. This Privacy Policy applies to Nest Wealth Asset Management Inc. (NWAM) and Objectway Financial Solutions Inc. (OWFS). The foregoing entities are collectively referred to as “we” or “us”. NWAM is a registered Portfolio Manager which provides discretionary portfolio management services to Canadian investors in the jurisdictions where it operates. OWFS is a provider of enterprise digital wealth management technology which is utilized by advisory firms in North America. We are committed to protecting the personal information of our customers and personnel and this policy discloses how personal information is used by our organization. We also: - Limit personal information we collect to what is required and only use it for those purposes; - Only use personal information for the purposes it was obtained and obtain consent before using it for another purpose; - Ensure that service providers and contractors that have access to personal information are bound to protect the information and not use it for any unauthorized purposes; - Train our employees to ensure that personal information is handled appropriately and that employees understand their obligations. **“Personal Information”** is any information about an identifiable individual. It may include information such as name, age, date of birth, home address, social insurance number, marital status, income, account number, client identification number, personal email address and messages, and Internet Protocol (IP) address and other indicators. personal information does not include business contact information of an individual which is collected, used, or disclosed solely for the purposes of communicating or facilitates communication with the individual in relation to their employment, business, or profession. Personal information also doesn’t include any information that is aggregated or anonymized. ## What Personal Information Do We Collect? Personal information is collected according to the type of interaction we have with you. These interactions are grouped as follows: - Use of our wealth management platform and services in our role as a registered Portfolio Manager - Interactions with our advisory firm clients as part of the agreement to the use of our wealth management platform and services - Information automatically collected during the use of our platform or website - Information provided by you during the use of our website and other marketing interactions with prospective clients - Information provided when you apply for a position with us Where our platform is used by our Advisory clients, our client remains primarily responsible for the personal information of its clients. In these circumstances, we may redirect a query about our collection of your personal information to our client. ## Information provided to us as part of our Portfolio Management services Required personal information is collected and used as part of the delivery of our service to you. | **Personal Information Collected** | **Usage / Purpose** | |---|---| | Personal identity information (name, address, contact information, date of birth, occupation, identification documents) | We collect this information to: - to verify your identity and to authenticate you when you contact us. - comply with securities legislation and Anti-Money Laundering (AML) laws, where we are required to know our customer which includes collecting personal information about the customer to fulfill Know-Your-Client (KYC) requirements. - assess and determine your eligibility for products and services - manage our risk and operations. | | Financial and Banking Information (assets, liabilities, income, expenses, void cheques, bank account information, transactional history, account types and balances or limits, names of financial institutions, and related financial information that we collect from you or your financial institution.) | In order to use our discretionary portfolio management services, we have a legal obligation to understand your financial circumstances in order to provide investment advice. We also require banking information to allow you to fund your account and to send money to your bank account. | | Beneficiary Information | If you sign up for a registered retirement account, we may ask you to provide certain beneficiary information such as your spouse’s name and occupation, children’s or dependents’ names, and ages that we collect from you on your application forms. If you provide information about a minor, you must be designated as a person with parental authority of the minor in order to provide consent to share their personal information on their behalf. | | Investor profile questionnaires | This may include asset holdings and values, and investment knowledge and objectives that you provide in risk information forms we ask you to complete. | | Tax Information (Social Insurance Number) | We require a SIN for certain types of account / tax reporting and will share it with the appropriate government agencies. We may also share it with identification services to identify you in accordance with local anti-money laundering laws and regulations. | | Information about your transactions with us and communications with us | We retain information about your interactions with our customer service and advisory teams in accordance with local securities requirements. | | Fraud Prevention | We may use your personal information to help protect you and us against fraud and error. This includes for purposes of preventing, detecting, or suppressing financial abuse, fraud, or criminal activity. This may include working with external agencies / regulatory bodies to investigate and resolve potential cases/allegations of fraud. | ## Interactions with our advisory firm clients When you sign up for a service with us, or request information about our services and products, we collect business contact information in order to facilitate communications and interactions with you, to verify your identity when you contact us and to provide information on a product or service that may be of benefit to you. Please note that while you may withdraw consent from obtaining promotional communications, this withdrawal will not apply to required communications that clients must receive. ## Information automatically collected during the use of our platform or website In using our platform, logs may collect your personal information such as your email address and IP (Internet Protocol) addresses. This log data is used for security monitoring and to provide a verifiable trail of transactions and activity occurring on our systems. Website visitors do not have to indicate who they are or submit any personal information, however, as you browse the website and use our platform, certain information relating to your browsing patterns, logins and technical data about the equipment you are using to access the website is automatically collected using cookies, server logs and other similar technologies. We may use third parties, including Google Analytics and Mixpanel, to help us gather and analyze information about website and platform usage. We may also de-identify your information by removing personal identifiers such as name, address and account numbers for the purposes of analytics and reporting to help us identify trends and insights to improve our services. Certain information collected via the above means is essential and required for use of our services such as to enable required functions and to monitor and improve the security and functionality of our platform and the website. Other information considered as non-essential helps us understand activity and better understand, evaluate and improve the user experience and the convenience of our website and services. You have the option of disabling the collection of non-essential activity. Please see our Cookie Policy for further information. ## Interactions with you in the use of our website and other marketing interactions with prospective clients You may provide your contact information (email, phone number, address) to us when you request information or a demo on a product or service, sign up for special offers, enter a contest or complete a survey. By providing us with your contact information, you are consenting to us collecting, using, accessing, disclosing and storing your personal information for communication purposes including responding to any inquiries you make, helping us better understand your needs, and advising you of other products and services that may be of interest to you (including those of select third parties and affiliates). You may withdraw your consent at any time, as explained below. We may also obtain your contact information from public databases, third party marketing vendors, and other outside sources. We use this information to contact you about products and services that may be of benefit to you. At any time, you may request removal or update of your contact information from our contact management systems, in the manner described below. ## Information provided to us during the Hiring process When you apply for a position with us, you provide your personal identity information including name, address, phone numbers, financial institution and identification documents to facilitate communications and interactions with you, to facilitate payment for your services and administration of benefits programs on your behalf, and to perform background checks when you apply for a position with us. ## Collection of Personal Information The personal information we have about you may be collected directly from you (or anyone authorized by you to act on your behalf under a power of attorney or other legal authority), and from sources within or outside of our organization including: - our interactions with you (including telephone and emails); - data entered by you on our wealth management platform; - data provided from our service providers in connection with your use of our services or your industry; - your usage activity on our platform and websites; - your financial planner or other professional advisor such as accountant/lawyer; - government bodies, agencies, and registries; - regulatory bodies; - law enforcement authorities; - public records; - job boards; - credit reporting agencies We do not sell your personal information. Your personal information will not be used, disclosed or retained for purposes other than those for which the information was collected, except with the permission of the individual, or as permitted or required by law. ## Consent When you provide your personal information through our website, platform and external sources as noted above, you are consenting, acknowledging and agreeing to the collection and use of your personal information for the purposes as described above. If you do not provide the essential information, we will not be able to provide these services. ## Withdrawal of Consent You can refuse to consent to our collection, use or disclosure of personal information, or you may withdraw your consent to our further collection, use or disclosure of your personal information at any time by giving us reasonable notice, subject to limited exceptions. If you wish to withdraw consent or request removal from our contact management systems, you may do so at any time by contacting our client support team at [**support@nestwealth.com**](mailto:support@nestwealth.com) or click on the “unsubscribe” link at the bottom of emails from us. Some emails may not include an ‘unsubscribe’ link because the email contains required information that all clients must receive. Depending on the circumstances, your withdrawal of consent may prevent us from providing you, or continuing to provide you, with some products and services, the ability to access certain products and services, or information that may be of value to you. In addition, we may have legal, regulatory or contractual obligations to collect, use or disclose certain of your personal information, in which case you may not withdraw your consent. You also cannot refuse to consent to our collection, use and disclosure of personal information required by our regulators. We will act on your instructions as quickly as possible but there may be certain uses of your information that we may not be able to stop immediately. ## Retention Periods For Personal Information Except as otherwise permitted or required by applicable law or regulation, we will only retain your personal information for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. ## Automated Decision Making and Profiling We may use automated decision making systems to process your personal information and we may rely on decisions made or profiles provided by these automated systems for AML verification or security purposes (i.e. identifying your identity or fraud detection / prevention purposes). Upon request, we will provide you with information on the functioning of the automated decision making system and processes. ## Keeping Your Data Safe The security, integrity and confidentiality of your personal information is important to us. We maintain a comprehensive information security program that meets generally accepted industry standards. Our program includes appropriate administrative, technical, and physical safeguards, procedures, and practices to protect personal information submitted to us, both during transmission and once we receive it. When you enter information in our systems, we encrypt the transmission of that information using secure socket layer technology (SSL). We restrict access to personal information to employees and authorized service providers who require access to fulfill their job requirements. ## Disclosure of personal information In order to provide you with our products and services, we may need to share your personal information with other parties who are under an obligation to protect the confidentiality of that information. The shared information will be limited to such information which is necessary to facilitate the arrangement. Your personal information may be disclosed: - in accordance with any applicable consent obtained from you; - as part of a business transaction that we are considering or involved in (including the purchase of a business or the sale of part of all of our business); - to respond to a court order, search warrant, or any other valid demand or request; - to satisfy any applicable legal or regulatory requirement; - to suppliers, service providers, agents or other organizations that perform services for you, for us or on our behalf (including other Objectway group companies); - to another jurisdiction for processing (i.e., EU); while the information is in the other jurisdiction, it may be accessed by the courts, law enforcement, and national security authorities; - to any authorized individual with legal authority including Power of Attorney; - to our personnel who have a legitimate business purpose for using it; - where otherwise permitted by law. ## Disclosures Between Provinces and Outside of Canada The suppliers, service providers, and other organizations we may use could be located outside of your province of residence and Canada. Consequently, you should expect that your personal information may be collected, accessed, used, disclosed, and stored outside of your province and outside of Canada. In such cases, your personal information may be accessible or disclosed to or accessed by law enforcement, regulators, or authorities in the jurisdiction(s) where the personal information is being accessed, used, disclosed or stored. If your personal information is transferred to a service provider outside of your home province or country, we will take measures to protect your personal information with appropriate contract clauses or other applicable safeguards. ## Disclosures to Affiliates Objectway Financial Solutions Inc. provides the digital platform that is offered to customers of Nest Wealth Asset Management Inc. Consequently, information about NWAM customers provided through the platform is shared with Objectway Financial Solutions Inc. ## Disclosures to Critical Service Providers **Platform Infrastructure:** We utilize reputable Infrastructure as a Service (IaaS) providers for hosting our core digital wealth platform, financial planning software and supporting databases, utilities and services, as well as services of other third party providers for database services, network and systems monitoring and support, security administration and software development and release services. **Custodians:** When you open an account with us, you will also be required to open a brokerage account with National Bank Independent Network (NBIN) or Fidelity Clearing Corporation (FCC) – these are custodians that we use to provide trade execution, clearing and other services on our behalf. We must also notify them of any updates or changes to your account information. When you open an account, you will receive more information about these custodians in your account opening package. **Identity Verification:** When you open an account with us, we may share your information with credit reporting agencies (Equifax / Transunion) for the purposes of client identification. **Portfolio Management:** For our Portfolio Management services clients, we utilize a third party service provider for customer portfolio rebalancing and day-to-day trade executions. Client Services: We utilize client relationship management (CRM) software providers to facilitate customer communications and day-to-day customer support operations. We may also utilize other tools to facilitate video calls or telephone calls with our customers. **Electronic Signature Providers:** Our digital wealth platform includes integrations with electronic digital signature providers required to complete things like account application digitally and other documentation that may be required to open an account with us. ## Disclosing Your SIN Your SIN may be shared with third parties for income tax reporting purposes, as required by law. In addition, depending on the product or service you have with us, we may be required by law to verify the identity of all clients, account beneficiaries, and power of attorneys. ## Accessing and Correcting Your Personal Information Depending on the product or service you have with us, you may be able to access your personal information online directly through your client portal. In addition, upon written request, we will provide you with details regarding your personal information including what information we have about you, and how it has been used and disclosed. Please note that there may be instances where access may be restricted as permitted or required by law. We will advise you of the reasons for restricting access subject to any legal or regulatory limitations. You have the right to request the correction of your personal information. If you identify any inaccuracy in your personal information, or you need to make a change to that information, please contact us immediately at [**support@nestwealth.com**](mailto:support@nestwealth.com) so that we can update our records. If you wish to access, correct, or withdraw consent to the use of your personal information, you can contact our client support team at [**support@nestwealth.com**](mailto:support@nestwealth.com) or email our privacy team at [**privacy@nestwealth.com**](mailto:privacy@nestwealth.com). ## Updates to Our Privacy Policy We will post any changes we make to our Privacy Policy on this page. We will include the date the Privacy Policy was last revised at the top of the page. You are responsible for ensuring we have an up-to-date, active, and deliverable email address for you, and for periodically visiting our website and this Privacy Policy specifically to check for any changes. ## Contact Us If you have any questions or concerns about this policy or privacy and confidentiality matters, please contact our Chief Compliance Officer at [**privacy@nestwealth.com**](mailto:privacy@nestwealth.com) If, after contacting us, you feel your personal information concerns have not been adequately addressed, you may contact the Office of the Privacy Commissioner of Canada – [**https://www.priv.gc.ca/en/report-a-concern/**](https://www.priv.gc.ca/en/report-a-concern/) In Quebec, the organization responsible for protecting privacy is the Commission d’accès à l’information du Québec – [**https://www.cai.gouv.qc.ca/**](https://www.cai.gouv.qc.ca/) --- ### [Cookie Policy](https://razorplan.com/cookie-policy/) **Published:** August 7, 2025 **Author:** lorenzo noventa **Content:** Updated: August 07, 2025 # **Cookie policy** This Cookie Policy explains how Objectway Financial Solutions Inc. (OWFS) uses cookies and similar technologies to recognize you when you visit this website. It explains what these technologies are and why we use them, as well as your rights to control our use of them. In some cases we may use cookies to collect personal information, or data that becomes personal information if we combine it with other information. ## What are Cookies? Cookies are small data files that are placed on your computer or mobile device when you visit a website. Cookies are widely used by website owners in order to make their websites work, or to work more efficiently, as well as to provide reporting information. Cookies set by OWFS are called “first-party cookies.” Cookies set by parties other than OWFS are called “third-party cookies.” Third-party cookies enable third-party features or functionality to be provided on or through the website (e.g., interactive content and analytics). The parties that set these third-party cookies can recognize your computer both when it visits the website in question and also when it visits certain other websites. ## Why Do We Use Cookies? We use first- and third-party cookies for several reasons. Some cookies are required for technical reasons in order for our Websites to operate, and we refer to these as “essential” or “necessary” cookies. Other cookies also enable us to track and target the interests of our users to enhance the experience on our Online Properties. Third parties serve cookies through our Websites for analytics, advertising and other purposes. This is described in more detail below. ## How can I Manage Cookies? You have the right to decide whether to accept or reject cookies. You can exercise your cookie rights by setting your preferences in the Cookie Consent Manager. The Cookie Consent Manager allows you to select which categories of cookies you accept or reject. Essential cookies cannot be rejected as they are strictly necessary to provide you with services. When you first visit our Website, you may set your preferences and at any time, you can modify your preferences on the non-essential cookies. You can also delete your cookies by clearing your browsing history and cookies in your web browser. Additionally, our cookie banner may be presented to you again if you erase cookies, use a different browser or computer, or if we modify our Websites. The Cookie Consent Manager can be found in the notification banner and on our website. If you choose to reject non-essential cookies, you can still use our website, though certain areas of functionality may be impeded or restricted. The specific types of first- and third-party cookies served through our Websites and the purposes they perform are described in the table below (please note that the specific cookies served may vary depending on the specific Online Properties you visit). Essential or necessary cookies: These cookies are strictly necessary to provide you with services or functionality through our Websites and to use some of its features, such as access to secure areas. Performance and functionality cookies: These cookies are used to enhance the performance and functionality of our Websites, but are non-essential to their use. However, without these cookies, certain functionality (like videos) may become unavailable. Analytics cookies: These cookies collect information that is used either in aggregate form to help us understand how our Websites are being used or how effective our marketing campaigns are, or to help us customize our Websites for you and improve the user experience and the convenience of our Website operations. They allow us to understand how you arrive at our websites and how you use them to improve performance, for example, by compiling statistics and visit volumes (e.g., pages consulted and browsing routes).. Advertising cookies: These cookies are used to make advertising messages more relevant to you. They perform functions like preventing the same ad from continuously reappearing, ensuring that ads are properly displayed for advertisers, and in some cases selecting advertisements that are based on your interests. OWFS does not currently use any advertising cookies. Social networking cookies: These cookies are used to enable you to share pages and content that you find interesting on our Websites through third-party social networking and other websites. These cookies may also be used for advertising purposes. Unclassified cookies: These are cookies that have not yet been categorized. We do not currently have any unclassified cookies. ## How Can I Manage Cookies in My Browser? Since the way you can refuse cookies through your web browser controls varies from browser to browser, you should visit your browser’s help menu for more information. If you would prefer not to accept cookies, most browsers will allow you to change your browser settings to notify you when you receive a cookie which lets you choose whether or not to accept it or to disable/automatically reject any cookies. However, you may not disable certain types of cookies that are essential for the operation of the website. Here are instructions for some common browsers: Google Chrome Mozilla Firefox In addition, most advertising networks offer you a way to opt out of targeted advertising. If you would like to find out more information you can visit the Digital advertising Alliance of Canada’s website (DAAC) at <https://youradchoices.ca/en/tools>. You can opt-out of network advertising programs that track your activities across multiple websites to deliver personalized advertising content to you. For more information on how you can opt out from this advertising, you can visit the Digital advertising Alliance of Canada’s website (DAAC) at <https://youradchoices.ca/en/tools>. ## How often will you update this Cookie Policy? We may update this Cookie Policy from time to time in order to reflect, for example, changes to the cookies we use or for other operational, legal, or regulatory reasons. Please therefore revisit this Cookie Policy regularly to stay informed about our use of cookies and related technologies. ## Who can I contact if I have questions about cookies or interest-based advertising? Should you have any questions or concerns about our interest-based advertising or our privacy policy, please contact our Privacy Officer at privacy@nestwealth.com. You can also contact us at 647-725-2559 or reach us by mail at 510-214 King St. West, Toronto ON M5H3S6. All submissions/inquiries should be directed to the attention of the Privacy Officer. Please see our Privacy Policy for more information on our privacy practices. ## Manage your cookie preferences You can revisit the cookie consent banner and change your cookie preferences or withdraw your consent right away, by clicking the “Manage consent” tab on the bottom of each page. Pop-up your cookie preferences box by clicking here or manage preferences here below: You have loaded the Cookie Policy without javascript support. On AMP, you can use the manage consent button on the bottom of the page. ## Cookies overview These are the details about the cookies that could be used in our website, grouped by service, or function. ### WordPress Functional Consent to service wordpress #### Usage We use WordPress for website development. [Read more about WordPress](https://cookiedatabase.org/service/wordpress/) #### Sharing data This data is not shared with third parties. #### Functional ##### Name [wp-settings-\*](https://cookiedatabase.org/cookie/wordpress/wp-settings/) ##### Expiration persistent ##### Function Store user preferences ##### Name [wp-settings-time-\*](https://cookiedatabase.org/cookie/wordpress/wp-settings-time/) ##### Expiration 1 year ##### Function Store user preferences ##### Name [wordpress\_test\_cookie](https://cookiedatabase.org/cookie/wordpress/wordpress_test_cookie/) ##### Expiration session ##### Function Read if cookies can be placed ##### Name [wp\_lang](https://cookiedatabase.org/cookie/wordpress/wp_lang/) ##### Expiration session ##### Function Store language settings ##### Name [wordpress\_logged\_in\_\*](https://cookiedatabase.org/cookie/wordpress/wordpress_logged_in_/) ##### Expiration persistent ##### Function Store logged in users ##### Name [WP\_PREFERENCES\_USER\_\*](https://cookiedatabase.org/cookie/wordpress/wp_preferences_user_/) ##### Expiration persistent ##### Function Store user preferences ### Google Analytics Statistics Consent to service google-analytics #### Usage We use Google Analytics for website statistics. [Read more about Google Analytics](https://cookiedatabase.org/service/google-analytics/) #### Sharing data For more information, please read the [Google Analytics Privacy Statement](https://business.safety.google/privacy/). #### Statistics ##### Name [\_ga](https://cookiedatabase.org/cookie/google-analytics/_ga/) ##### Expiration 2 years ##### Function Store and count pageviews ##### Name [\_ga\_\*](https://cookiedatabase.org/cookie/google-analytics/_ga_/) ##### Expiration 1 year ##### Function Store and count pageviews ### Complianz Functional Consent to service complianz #### Usage We use Complianz for cookie consent management. [Read more about Complianz](https://cookiedatabase.org/service/complianz/) #### Sharing data This data is not shared with third parties. For more information, please read the [Complianz Privacy Statement](https://complianz.io/legal/privacy-statement/). #### Functional ##### Name [cmplz\_policy\_id](https://cookiedatabase.org/cookie/complianz/cmplz_policy_id/) ##### Expiration 365 days ##### Function Store accepted cookie policy ID ##### Name [cmplz\_statistics](https://cookiedatabase.org/cookie/complianz/cmplz_statistics/) ##### Expiration 365 days ##### Function Store cookie consent preferences ##### Name [cmplz\_banner-status](https://cookiedatabase.org/cookie/complianz/cmplz_banner-status/) ##### Expiration 365 days ##### Function Store if the cookie banner has been dismissed ##### Name [cmplz\_preferences](https://cookiedatabase.org/cookie/complianz/cmplz_preferences/) ##### Expiration 365 days ##### Function Store cookie consent preferences ##### Name [cmplz\_functional](https://cookiedatabase.org/cookie/complianz/cmplz_functional/) ##### Expiration 365 days ##### Function Store cookie consent preferences ##### Name [cmplz\_consented\_services](https://cookiedatabase.org/cookie/complianz/cmplz_consented_services/) ##### Expiration 365 days ##### Function Store cookie consent preferences ##### Name [cmplz\_marketing](https://cookiedatabase.org/cookie/complianz/cmplz_marketing/) ##### Expiration 365 days ##### Function Store cookie consent preferences ### Microsoft Clarity Marketing, Statistics Consent to service microsoft-clarity #### Usage We use Microsoft Clarity for heat maps and screen recordings. [Read more about Microsoft Clarity](https://cookiedatabase.org/service/microsoft/) #### Sharing data For more information, please read the [Microsoft Clarity Privacy Statement](https://www.microsoft.com/en-us/privacy/privacystatement). #### Marketing ##### Name [\_clck](https://cookiedatabase.org/cookie/microsoft/_clck/) ##### Expiration 1 year ##### Function Store a unique user ID ##### Name [ANONCHK](https://cookiedatabase.org/cookie/microsoft/anonchk/) ##### Expiration ##### Function ##### Name [MUID](https://cookiedatabase.org/cookie/microsoft/muid/) ##### Expiration 1 year ##### Function Store and track visits across websites #### Statistics ##### Name [\_clsk](https://cookiedatabase.org/cookie/microsoft/_clsk/) ##### Expiration 1 day ##### Function Store and combine pageviews by a user into a single session recording ##### Name [\_cltk](https://cookiedatabase.org/cookie/microsoft/_cltk/) ##### Expiration ##### Function Store and track interaction ### Polylang Functional Consent to service polylang #### Usage We use Polylang for locale management. [Read more about Polylang](https://cookiedatabase.org/service/polylang/) #### Sharing data This data is not shared with third parties. #### Functional ##### Name [pll\_language](https://cookiedatabase.org/cookie/polylang/pll_language/) ##### Expiration persistent ##### Function Store language settings ### Vimeo Statistics Consent to service vimeo #### Usage We use Vimeo for video display. [Read more about Vimeo](https://cookiedatabase.org/service/vimeo/) #### Sharing data For more information, please read the [Vimeo Privacy Statement](https://vimeo.com/privacy). #### Statistics ##### Name [\_\_utmt\_player](https://cookiedatabase.org/cookie/vimeo/__utmt_player/) ##### Expiration 10 minutes ##### Function Store and track audience reach ##### Name [vuid](https://cookiedatabase.org/cookie/vimeo/vuid/) ##### Expiration 2 years ##### Function Store the user's usage history ### Atlassian Jira Servicedesk Statistics Consent to service atlassian-jira-servicedesk #### Usage We use Atlassian Jira Servicedesk for customer support management. [Read more about Atlassian Jira Servicedesk](https://cookiedatabase.org/service/atlassian-jira-servicedesk/) #### Sharing data This data is not shared with third parties. #### Statistics ##### Name [ajs\_anonymous\_id](https://cookiedatabase.org/cookie/atlassian-jira-servicedesk/ajs_anonymous_id/) ##### Expiration 1 year ##### Function Store last visit ### Google Chrome core service Functional Consent to service google-chrome-core-service #### Usage We use Google Chrome core service for content management. #### Sharing data This data is not shared with third parties. #### Functional ##### Name loglevel:DOMHelper ##### Expiration ##### Function ##### Name loglevel:autofill ##### Expiration ##### Function ##### Name loglevel:InlineAutoFillService ##### Expiration ##### Function ##### Name loglevel:AutoFillService ##### Expiration ##### Function ##### Name loglevel:LandCatchService ##### Expiration ##### Function ##### Name loglevel:MutationListener ##### Expiration ##### Function ##### Name loglevel:MiscService ##### Expiration ##### Function ##### Name loglevel:LnCAddContent ##### Expiration ##### Function ### Google Adsense Statistics, Marketing Consent to service google-adsense #### Usage We use Google Adsense for showing advertisements. [Read more about Google Adsense](https://cookiedatabase.org/service/google-adsense/) #### Sharing data For more information, please read the [Google Adsense Privacy Statement](https://business.safety.google/privacy/). #### Statistics ##### Name [\_gcl\_ls](https://cookiedatabase.org/cookie/google-adsense/auto-draft-23/) ##### Expiration ##### Function Store and track interaction #### Marketing ##### Name [\_gcl\_au](https://cookiedatabase.org/cookie/google-adsense/_gcl_au/) ##### Expiration persistent ##### Function Store and track conversions ##### Name [google\_adsense\_settings](https://cookiedatabase.org/cookie/google-adsense/google_adsense_settings/) ##### Expiration persistent ##### Function Provide ad delivery or retargeting ### Pardot Marketing, Functional Consent to service pardot #### Usage We use Pardot for remarketing. [Read more about Pardot](https://cookiedatabase.org/service/pardot/) #### Sharing data For more information, please read the [Pardot Privacy Statement](https://www.salesforce.com/company/privacy/). #### Marketing ##### Name [visitor\_id\*](https://cookiedatabase.org/cookie/pardot/visitor_id/) ##### Expiration various ##### Function Store a unique user ID #### Functional ##### Name [visitor\_id\*-hash](https://cookiedatabase.org/cookie/pardot/visitor_id-hash/) ##### Expiration persistent ##### Function Provide protection against hackers ### CloudFlare Functional Consent to service cloudflare #### Usage We use CloudFlare for content distribution network (CDN) services. [Read more about CloudFlare](https://cookiedatabase.org/service/cloudflare/) #### Sharing data For more information, please read the [CloudFlare Privacy Statement](https://www.cloudflare.com/privacypolicy). #### Functional ##### Name [\_\_cf\_bm](https://cookiedatabase.org/cookie/cloudflare/__cf_bm/) ##### Expiration 30 minutes ##### Function Read and filter requests from bots ##### Name [cf\_\*](https://cookiedatabase.org/cookie/cloudflare/cf_/) ##### Expiration at least one session ##### Function Used for mitigating security risks --- ### [Inscrivez-vous à une démonstration en direct (webinaires)](https://razorplan.com/fr/inscrivez-vous-a-une-demonstration-en-direct-webinaires/) **Published:** September 2, 2025 **Author:** lorenzo noventa **Content:** Démonstration # Inscrivez-vous à l’une des prochaines **démos** Un expert RazorPlan vous montrera comment déterminer facilement si vos clients sont en voie d’atteindre leurs objectifs de retraite. Ensuite, en utilisant les mêmes clients, nous présenterons des scénarios alternatifs qui combinent produits et stratégies afin de démontrer la valeur des conseils en planification financière. Disponible en anglais seulement. [Accéder au Webinaires (Anglais)](/demonstration/) --- ### [Conditions d’utilisation](https://razorplan.com/fr/conditions-dutilisation/) **Published:** October 30, 2025 **Author:** leo **Content:** Updated: August 07, 2025 # **Conditions d’utilisation** 1. #### RAZOR ET UTILISATEURS FINAUX 1. Razor Logic Systems Inc. (“**Razor**”) est heureuse de fournir aux utilisateurs finaux les renseignements, le contenu, les outils, les produits et les services offerts sur RAZORPLAN.COM (collectivement, les “**services Razor**”). Le terme “**services Razor**” désigne tous les services Razor offerts à l’heure actuelle et à l’avenir par Razor Logic Systems Inc. ou ses titulaires de licence autorisés. 2. Le terme “**utilisateur final**” désigne toute personne qui accède aux services Razor. Les utilisateurs finaux comprennent les conseillers financiers et les utilisateurs clients. 3. Le terme “**conseiller financier**”, et collectivement “**conseillers financiers**”, désigne une personne physique (et non une personne morale) qui donne des conseils financiers et/ou de placement à un utilisateur client conformément à un accord contractuel en vigueur. 4. Le terme “**utilisateur client**”, et collectivement “**utilisateurs clients**”, désigne une personne physique (et non une personne morale) qui n’est pas un conseiller financier. Un utilisateur client peut avoir une relation professionnelle avec un conseiller financier ou être indépendant de celui-ci. Indépendamment du statut d’un utilisateur client, les présentes conditions d’utilisation s’appliquent à chaque utilisateur client. 5. Le terme “partenaire d’affinité” désigne une personne physique ou morale qui est partie à un contrat d’affinité en vigueur avec Razor. Razor se réserve le droit absolu de conclure des contrats d’affinité à sa seule discrétion. Pour de plus amples renseignements sur les accords d’affinité, les utilisateurs finaux doivent communiquer directement avec Razor. 2. #### ACCORD CONTRAIGNANT 1. Toute utilisation des services Razor est assujettie aux présentes conditions d’utilisation, qui constituent un accord contraignant entre Razor et l’utilisateur final. En accédant aux services Razor, l’utilisateur final accepte d’être lié par les présentes conditions d’utilisation. 2. Razor est autorisé à modifier les présentes conditions d’utilisation en tout temps et sans préavis aux utilisateurs finaux. Le fait que les utilisateurs finaux accèdent aux services Razor constitue leur acceptation desdites modifications. 3. Les présentes conditions d’utilisation s’ajoutent à tout autre accord contractuel conclu entre les conseillers financiers et leurs clients. En cas d’incompatibilité entre les présentes conditions d’utilisation et tout autre accord contractuel conclu entre les conseillers financiers et leurs clients (y compris en ce qui concerne l’utilisation de services de tiers comme les services Razor), les présentes conditions d’utilisation s’appliquent. 3. #### UTILISATION DES SERVICES RAZOR 1. Sous réserve des présentes conditions d’utilisation et, le cas échéant, du paiement des frais d’abonnement conformément à une convention d’abonnement dûment conclue, Razor accorde aux utilisateurs finaux le droit d’accéder aux services Razor uniquement à des fins limitées de conseils financiers et de placement aux utilisateurs clients et à leur intention (les “**fins limitées**”). Aucun utilisateur final ne peut accéder aux services Razor à d’autres fins que les fins limitées. 2. L’accès aux services Razor par un conseiller financier est toujours assujetti à une convention d’abonnement dûment conclue entre Razor et ce conseiller financier. Les modalités de la convention d’abonnement de Razor sont énoncées ci-dessous. 3. Les services Razor sont offerts uniquement aux utilisateurs finaux résidant au Canada et aux États-Unis d’Amérique. Les services Razor ne sont pas considérés comme une sollicitation d’achat ou une offre de vente d’un produit ou d’un service, à toute personne dans un territoire quelconque, lorsque cette offre, sollicitation, achat ou vente serait illégale en vertu des lois de ce territoire. 4. Les services Razor sont généralement destinés à être consultés au moyen d’un navigateur Web conventionnel avec une résolution d’écran de 800 par 600 pixels ou plus. Même si l’utilisateur final peut utiliser d’autres moyens pour accéder aux services Razor, sachez que les services Razor peuvent ne pas s’afficher correctement par ces autres moyens d’accès. Razor s’engage à déployer tous les efforts possibles pour offrir à l’utilisateur final une expérience qui reflète la qualité supérieure des services Razor. 5. Razor peut mettre fin à l’accès par l’utilisateur final aux services Razor à tout moment conformément aux présentes conditions d’utilisation et, le cas échéant, à la convention d’abonnement. 4. #### RESPONSABILITÉS ET OBLIGATIONS DE L’UTILISATEUR FINAL 1. L’utilisateur final est seul responsable de l’obtention et du maintien, à ses propres frais, de tout le matériel informatique ou autre et de toutes les connexions nécessaires pour accéder aux services Razor, notamment l’accès à Internet. Razor déclare que, lorsqu’elle met des services Razor à la disposition des utilisateurs finaux, elle utilise les mesures et les protocoles standard de l’industrie pour promouvoir la sécurité de toutes les données d’utilisateur final pendant que ces données résident dans le compte Razor de l’utilisateur final. 2. Si un utilisateur final choisit de mettre fin à son accès aux services Razor en fermant son compte Razor d’utilisateur final ou en se désabonnant autrement des services Razor, Razor supprimera toutes ses données d’utilisateur final dans les VINGT ET UN (21) jours civils suivant la cessation ou le désabonnement de l’utilisateur final. Les données de l’utilisateur final ainsi supprimées ne seront pas récupérables. Au moment de la résiliation, mais dans les 21 jours civils suivant la résiliation ou le désabonnement de l’utilisateur final, celui-ci peut choisir de réactiver son compte Razor d’utilisateur final conformément aux présentes conditions d’utilisation. 3. Il incombe à l’utilisateur final autorisé de maintenir la confidentialité de tous ses mots de passe et de veiller à ce que chaque mot de passe ne soit utilisé que par lui. L’utilisateur final est entièrement responsable de toutes les activités qui se déroulent dans son compte Razor d’utilisateur final autorisé. L’utilisateur final convient d’aviser immédiatement Razor de toute utilisation non autorisée de son compte Razor d’utilisateur final ou de toute autre atteinte à la sécurité dont il a connaissance. Razor ne saurait être tenu responsable de toute perte ou de tout dommage résultant du non-respect de ces exigences par l’utilisateur final. Razor veille à maintenir la confidentialité des mots de passe des utilisateurs finaux et à ne pas les divulguer à des tiers. Razor n’est pas tenue de s’enquérir de l’autorité ou du bien-fondé de toute donnée ou instruction de l’utilisateur final transmise à Razor par l’intermédiaire de son compte Razor d’utilisateur final et est en droit d’agir en fonction de ces données ou instructions. L’utilisateur final assume l’entière responsabilité de la surveillance de son compte Razor, y compris la vérification fréquente des informations relatives au compte, l’examen de l’historique des transactions en ligne et l’examen rapide de la correspondance, des relevés de compte et des confirmations reçues de la part de Razor. L’utilisateur final doit aviser immédiatement Razor de toute activité, divulgation, perte, vol ou utilisation non autorisée de mots de passe. L’utilisateur final accepte de coopérer avec Razor dans toute enquête et de prendre des mesures correctives contre les activités frauduleuses dans son compte Razor d’utilisateur final. 4. L’utilisateur final est responsable de l’exactitude, de la qualité, de l’intégrité et de la légalité de ses données. Les services Razor, y compris tous les outils d’analyse et de planification mis à disposition, peuvent fournir un enseignement général en matière de finance et de placements à partir des données de l’utilisateur final. Il incombe exclusivement à l’utilisateur final de déterminer si un plan financier, un placement, une stratégie de placement, un titre ou une transaction connexe est approprié pour lui en fonction de sa situation financière, de ses objectifs et de sa tolérance au risque, le cas échéant. L’utilisateur final peut consulter des conseillers financiers, des juristes et/ou des fiscalistes pour obtenir des conseils concernant sa situation financière particulière, ses objectifs et sa tolérance au risque. 5. L’utilisateur final reconnaît et convient que Razor ne surveille ni ne contrôle le contenu des données d’utilisateur final saisies ou transmises par les services Razor, et que Razor n’est pas tenue responsable du contenu des données d’utilisateur final ainsi saisies ou transmises. L’utilisateur final doit utiliser les services Razor exclusivement à des fins limitées, conformément à toutes les lois et réglementations applicables. 6. L’utilisateur final convient de ne pas publier ou télécharger des données qui: 1. sont diffamatoires, obscènes, pornographiques, abusives, harcelantes ou menaçantes; 2. contiennent du code malveillant; 3. violent les droits d’autrui, comme les données qui enfreignent les droits de propriété intellectuelle ou qui violent le droit à la vie privée ou à la publicité; 4. par ailleurs violent les lois et règlements applicables. 7. L’utilisateur final s’engage en outre à ne pas entraver ou perturber les réseaux connectés aux services Razor, à ne pas entraver l’utilisation et la jouissance des services Razor par une autre personne et à se conformer à toutes les réglementations, politiques et procédures des réseaux connectés aux services Razor. Razor peut supprimer tout contenu non conforme saisi dans les services Razor ou transmis par ces derniers sans en aviser l’utilisateur final. Razor peut suspendre ou résilier tout compte Razor d’un utilisateur final et l’accès aux services Razor en général sur préavis si elle détermine raisonnablement que cet utilisateur final a enfreint les présentes conditions d’utilisation. Toutefois, Razor doit donner à l’utilisateur final un préavis écrit et offrir une possibilité raisonnable de remédier à la situation avant de suspendre ou de résilier le compte Razor de l’utilisateur final ainsi que l’accès aux services Razor en général. 8. Étant donné que la capacité de tout matériel informatique, y compris les serveurs, est limitée, l’utilisateur final ne doit pas utiliser les sites Razor d’une manière susceptible d’endommager ou de surcharger un serveur Razor, ou tout réseau connecté à un serveur Razor. 5. #### RÉSERVE DE DROIT 1. Razor se réserve le droit en tout temps de divulguer tout renseignement qu’elle juge nécessaire dans le cadre de la mise en application d’une loi, d’un règlement, d’une procédure judiciaire ou d’une requête gouvernementale. Razor se réserve également le droit de mettre fin à tout moment, sans préavis, à votre accès à tout ou partie des services pour quelque raison que ce soit. 6. #### DISPONIBILITÉ DES SERVICES ET SOUTIEN 1. Razor déploie tous les efforts raisonnables pour assurer une disponibilité constante des services Razor (la “**disponibilité des services**”). La disponibilité des services désigne le temps pendant lequel les services Razor sont en mesure de recevoir et de traiter les demandes de saisie de données des utilisateurs finaux et d’y répondre, à l’exclusion a) de la maintenance systématique, b) des incidents dus à une erreur des utilisateurs finaux, c) de la maintenance d’urgence, d) des cas de force majeure et e) des défaillances ou retards des fournisseurs de services Internet. 2. L’utilisateur final reconnaît que Razor ne contrôle pas le transfert des données des utilisateurs finaux sur les installations de télécommunications, y compris Internet. Razor ne garantit pas l’exploitation sécuritaire de services Razor ni qu’elle sera en mesure d’empêcher les perturbations des services Razor par des tiers. L’utilisateur final reconnaît que les services Razor peuvent être soumis à des limites, des retards et d’autres problèmes inhérents à l’utilisation d’Internet et des moyens de communications électroniques. Razor n’est pas responsable des retards, des échecs de livraison ou des autres dommages imputables à de tels problèmes. 3. Razor apporte des mises à jour aux services Razor lorsque et si elles sont disponibles, et Razor n’est pas tenue d’élaborer d’autres programmes ou fonctions en ce qui concerne les services Razor. Razor n’est pas tenue de fournir un soutien relativement aux sites Web, logiciels, systèmes, programmes ou fonctionnalités qui ne sont pas fournis par Razor dans le cadre des services Razor. 1. Razor offre à l’utilisateur final un soutien téléphonique et par courriel sans frais pour les services Razor en fonction de son compte Razor, le cas échéant. Les renseignements sur le niveau de soutien applicable sont mis à la disposition de l’utilisateur final lors de l’accès à son compte Razor. Razor fournit un soutien pendant les heures normales d’ouverture seulement, soit de 9 h à 17 h, heure normale des Rocheuses, à l’exception des week-ends et des jours fériés. 2. Razor se réserve le droit de refuser ou de limiter son soutien en tout temps et pour quelque raison que ce soit. 3. Le soutien de Razor comprend les services suivants : soutien technique, soutien général, soutien de dossier et formation. 1. *Soutien technique:* Le soutien technique porte notamment sur les problèmes de versions, les problèmes d’ouverture de session, les réinitialisations de nom d’utilisateur et de mot de passe, les codes et messages d’erreur, ainsi que l’état et la durée de l’abonnement. 2. *Soutien général:* Le soutien général porte notamment sur les résultats mathématiques et l’interprétation des services Razor lorsqu’ils ne se rapportent pas à un utilisateur final en particulier ou aux données d’un utilisateur final en particulier. 3. *Soutien de dossier:* Le soutien de dossier porte notamment sur les résultats mathématiques et l’interprétation des services Razor lorsqu’ils se rapportent à un utilisateur final en particulier ou aux données d’un utilisateur final en particulier. Ce type de soutien comprend habituellement une discussion sur un dossier de client ou une situation particulière pour laquelle le soutien fourni comprendra l’interprétation des résultats et des recommandations possibles. Le soutien de dossier n’est pas inclus dans la souscription d’un abonnement, mais peut être fourni moyennant des frais supplémentaires sur demande. 4. *Formation:* La formation sur l’utilisation des services Razor est offerte aux utilisateurs finaux au moyen de tutoriels préenregistrés et de webinaires en direct disponibles de temps à autre sur www.razorplan.com. La formation individuelle n’est pas incluse dans la souscription d’un abonnement, mais peut être offerte moyennant des frais supplémentaires sur demande. 7. #### CONVENTION D’ABONNEMENT 1. L’utilisateur final doit souscrire un abonnement pour accéder aux services Razor conformément à une convention d’abonnement et aux présentes conditions d’utilisation. 2. L’abonnement ne peut être transféré ou vendu à aucun moment. Le fait d’accorder l’accès aux services de Razor à un tiers, directement ou indirectement, sans le consentement écrit exprès de Razor, est considéré comme une violation des présentes conditions d’utilisation. Dans le cas d’un conseiller financier, l’assistant d’un conseiller financier n’est pas considéré comme un tiers, mais plutôt comme un prolongement du conseiller financier. Un “assistant” est défini dans les présentes conditions d’utilisation comme un employé qui joue un rôle de soutien pour le conseiller financier abonné. Un assistant peut être titulaire d’un permis ou non, mais il ne peut pas avoir de clientèle. 3. Une convention d’abonnement dûment conclue et en vigueur permet à un utilisateur final d’accéder aux services Razor pendant la durée de l’abonnement. 4. Bien qu’un utilisateur final puisse résilier une convention d’abonnement conformément aux dispositions de résiliation qui y sont énoncées, un compte Razor d’utilisateur final reste actif jusqu’à la résiliation ou l’expiration de la durée de l’abonnement. 8. #### PÉRIODE D’ESSAI GRATUITE 1. Tout nouvel utilisateur final des services Razor est admissible à un accès limité aux services Razor pendant 30 jours avant de s’abonner à ces services aux termes d’une convention d’abonnement (“**période d’essai gratuite**”). Pendant la période d’essai gratuite, l’utilisateur final peut recevoir un nombre illimité de courriels et a droit au soutien technique sans frais. De plus, la formation sur les services Razor est offerte au moyen de webinaires en ligne programmés et de tutoriels enregistrés. Razor se réserve le droit de refuser l’accès à cette période d’essai gratuite à tout utilisateur final pour quelque raison que ce soit. Chaque nouvel utilisateur final a droit à une période d’essai gratuite. Razor supprimera tout essai en double sans préavis. Les données d’utilisateur associées à un compte Razor supprimé ne seront pas récupérables. 2. Tout compte Razor d’utilisateur resté inactif pendant VINGT-DEUX (22) jours civils ou plus est fermé de façon définitive. À la fermeture d’un compte Razor d’utilisateur final, Razor supprime définitivement toutes les données d’utilisateur final. 9. #### GARANTIES, AVIS DE NON-RESPONSABILITÉ ET LIMITATION DE RESPONSABILITÉ DE RAZOR 1. Razor ne donne aucune garantie expresse ou implicite concernant les services Razor, notamment des garanties tacites de qualité marchande, d’adaptation à un usage particulier ou d’absence de contrefaçon. Les services Razor sont disponibles “tels quels” et “tels que disponibles”. Razor ne garantit pas que les défauts ou les inexactitudes éventuels des services Razor seront corrigés. 2. Razor ne garantit pas que les services Razor répondront aux besoins de l’utilisateur final ou qu’ils seront ininterrompus, rapides, sécurisés ou sans erreur. Razor ne garantit pas non plus que les résultats obtenus grâce à l’utilisation de services Razor seront exacts ou fiables ni que la qualité des produits, services, renseignements ou autre matériel achetés ou obtenus par l’intermédiaire de services Razor répondra à vos attentes. 3. Razor ne peut être tenue responsable envers vous ou quiconque des dommages consécutifs, accessoires, spéciaux, directs ou indirects, notamment les pertes de profits, les pertes commerciales ou les dommages résultant de l’utilisation ou de la perte d’utilisation des services Razor et du contenu de tiers, des désagréments ou des retards. Cela est vrai même si Razor a été informée de la possibilité de tels dommages ou pertes. 4. Razor ne peut être tenue responsable envers vous ou quiconque de toute perte résultant d’une cause sur laquelle elle n’a pas de contrôle direct. Cela comprend la défaillance de l’équipement électronique ou mécanique ou des lignes de communication (y compris le téléphone, le câble et Internet), l’accès non autorisé, les virus, le vol, les erreurs de l’opérateur, les conditions météorologiques violentes ou extraordinaires (y compris les inondations, les tremblements de terre ou autres catastrophes naturelles), les incendies, la guerre, l’insurrection, les actes terroristes, les émeutes, les conflits de travail et autres problèmes de main-d’œuvre, les accidents, les situations d’urgence ou les mesures prises par les pouvoirs publics. 5. Comme condition d’utilisation des services Razor, vous convenez d’indemniser et de tenir Razor et ses tiers fournisseurs de contenu à couvert de toute réclamation, perte, responsabilité, coûts et dépenses (notamment les honoraires d’avocat) découlant de votre utilisation des services Razor ou de votre violation des présentes conditions d’utilisation. 10. #### POLITIQUE DE RAZOR SUR LA PROPRIÉTÉ INTELLECTUELLE ET LES LIENS 1. Les services Razor et la totalité du contenu qui s’y trouve sont la propriété intellectuelle exclusive de Razor. Les services Razor et la totalité du contenu qui s’y trouve sont protégés par les régimes législatifs et de common law applicables régissant la propriété et l’utilisation autorisée de la propriété intellectuelle. Par conséquent, vous n’êtes pas autorisé à copier, distribuer, modifier, afficher ou encadrer les services Razor, y compris tout texte, graphique, fichier vidéo, fichier audio, code logiciel, conception d’interface utilisateur ou logo. 2. Toutes les marques de commerce et de service présentées en association avec les services Razor appartiennent à Razor, à l’exception des marques de commerce et de service de tiers, qui sont la propriété de leurs propriétaires respectifs. 3. Sauf disposition expresse des présentes conditions d’utilisation, aucune partie des services Razor ou de leur contenu ne peut être copiée, imitée, publiée, transmise, diffusée ou distribuée, en tout ou en partie. En aucun cas Razor ne peut être tenue responsable de dommages spéciaux, indirects ou consécutifs ni de tout dommage résultant de la perte d’utilisation, de données ou de profits, que ce soit dans le cadre d’une action contractuelle, de négligence ou autres actes délictuels, découlant de l’utilisation ou de l’exécution de services Razor ou y étant lié. 4. Politique relative aux hyperliens Certains hyperliens dans les services Razor vous feront quitter les services Razor. Razor fournit ces liens uniquement à titre de commodité, et l’inclusion d’un lien n’implique pas l’approbation de Razor. Vous reconnaissez et acceptez que Razor ne contrôle pas, n’examine pas, ne révise pas, n’approuve pas ou n’accepte pas la responsabilité de tout matériel, projet ou service offert par des tiers, y compris des tiers fournisseurs et des tiers accessibles par l’entremise de sites liés. Vous reconnaissez et convenez que Razor Logic Systems Inc. ne fait aucune déclaration et ne donne aucune garantie à l’égard de ces tiers, de leur matériel ou de leurs services. Vous reconnaissez et convenez que toutes les relations que vous pourriez avoir avec ces tiers sont à vos propres risques et que Razor ne peut être tenue responsable du matériel ou des services offerts par ces tiers. Le contenu de tiers est protégé par le droit d’auteur conformément aux lois nationales et aux traités internationaux et est la propriété du ou des tiers fournisseurs de contenu crédités, ou fait l’objet d’une licence. Razor n’a pas participé à la préparation, à l’adoption ou à la modification du contenu de tiers et n’approuve pas explicitement ou implicitement ce contenu. Les tiers fournisseurs de contenu ne soutiennent ni n’approuvent implicitement ou explicitement le contenu de tiers, pas plus qu’ils ne donnent de conseils en matière de placements ou ne préconisent l’achat ou la vente d’un titre ou d’un placement. En dépit du fait que Razor fasse tout ce qui est en son pouvoir pour fournir des informations exactes et opportunes afin de répondre aux besoins des utilisateurs, ni Razor ni les tiers fournisseurs de contenu ne garantissent l’exactitude, l’actualité, l’exhaustivité ou l’utilité de ces informations, et ne sont pas responsables de ce contenu, y compris de la publicité, des produits ou d’autres éléments figurant sur les sites de tiers ou disponibles sur ces sites. Le contenu de tiers est fourni à titre informatif seulement et Razor et les tiers fournisseurs de contenu déclinent toute responsabilité à l’égard de ce contenu disponible sur le site. Lorsque vous utiliserez le contenu de tiers, vous le faites à vos propres risques. LE CONTENU DE TIERS EST FOURNI “TEL QUEL”. LES TIERS FOURNISSEURS DE CONTENU DÉCLINENT EXPRESSÉMENT TOUTE GARANTIE DE QUELQUE NATURE QUE CE SOIT, EXPRESSE OU IMPLICITE, NOTAMMENT, TOUTE GARANTIE DE QUALITÉ MARCHANDE, D’ADAPTATION À UNE FIN PARTICULIÈRE OU D’ABSENCE DE CONTREFAÇON. 11. #### DROIT APPLICABLE ET DIVISIBILITÉ 1. Sauf convention contraire, les présentes modalités et leur application sont régies par les lois de la province de l’Ontario, au Canada, sans égard aux conflits de lois, et s’appliquent au profit des successeurs et ayants droit de Razor, que ce soit par fusion, regroupement ou autre. 2. Si un tribunal compétent juge qu’une disposition des présentes conditions d’utilisation est inapplicable, cette disposition sera appliquée dans toute la mesure permise, et les autres dispositions demeureront pleinement en vigueur. 12. #### DEFINITIONS La “**maintenance systématique**” désigne toute maintenance effectuée pendant les fenêtres de maintenance standard en cours de Razor et toute autre maintenance pour laquelle les utilisateurs finaux peuvent recevoir un préavis d’au moins quarante-huit (48) heures. “**Incident dû à une erreur des utilisateurs finaux**” désigne toute indisponibilité des sites Web de Razor et des services Razor imputable aux applications, données, équipements ou aux connexions des utilisateurs finaux ou encore aux actes ou omissions des utilisateurs finaux. “**Maintenance d’urgence**” désigne le temps d’arrêt des sites Web de Razor et des services Razor en raison de l’application de correctifs urgents, ou d’autres travaux de maintenance urgents effectués en dehors de la maintenance programmée. --- ### [Terms of Use](https://razorplan.com/terms-of-use/) **Published:** October 30, 2025 **Author:** leo **Content:** Updated: August 07, 2025 # **Terms of Use** 1. #### RAZOR AND END USERS 1. Objectway Financial Solutions Inc. (“**Razor**”) is pleased to provide End Users with the information, content, tools, products and services available on RAZORPLAN.COM (collectively, the “**Razor Services**”). The term “**Razor Services**” refers to all Razor Services, made available at present and in future by Objectway Financial Solutions Inc. or its permitted licensees. 2. The term “**End Users**” means all persons who access Razor Services. End Users includes Financial Advisors and Client Users. 3. The term “**Financial Advisor**”, and collectively “**Financial Advisors**”, means a natural (not corporate) person who provides financial and/or investment advice to a Client User pursuant to a current contractual agreement. 4. The term “**Client User**”, and collectively “**Client Users**”, means a natural (not corporate) person who is not a Financial Advisor. A Client User may be in a professional relationship with a Financial Advisor or be independent of same. Notwithstanding the status of a Client User, these Terms of Use shall apply to each and every Client User. 5. The term “Affinity Partner” means a natural or corporate person who is a party to a current Affinity Agreement with Razor.Core. Razor reserves the unfettered right to enter into Affinity Agreements in its sole discretion. For more information on Affinity Agreements, End Users shall contact Razor directly. 2. #### BINDING AGREEMENT 1. All use of Razor Services is subject to these Terms of Use, which constitute a binding agreement between Razor and End Users. By accessing Razor Services, End Users accept and agree to be bound by these Terms of Use. 2. Razor is permitted to modify these Terms of Use at any time and without prior notice to End Users. End Users accept all modifications by accessing Razor Services. 3. These Terms of Use are in addition to any other contractual agreement(s) between Financial Advisors and their clients. To the extent of any inconsistency between these Terms of Use and any other contractual agreements between Financial Advisors and their clients (including with respect to use of third party services such as Razor Services), these Terms of Use shall apply/ 3. #### USE OF RAZOR SERVICES 1. Subject to these Terms of Use and, where applicable, payment of Subscription Fees in accordance with a duly made Subscription Agreement, Razor grants to End Users the right to access Razor Services solely for the limited purpose of financial and investment advice to and for Client Users (the “**Limited Purpose**”). No End User may access Razor Services other than for the Limited Purpose. 2. Access by a Financial Advisor to Razor Services shall always be subject to a duly made Subscription Agreement between Razor and such Financial Advisor. The terms and conditions governing Razor’s Subscription Agreement are stated below. 3. Razor Services are made available to End Users resident in Canada and the United States of America only. Razor Services shall not be considered a solicitation to buy or an offer to sell any product or service, to any person in any jurisdiction, where such offer, solicitation, purchase or sale would be unlawful under the laws of such jurisdiction. 4. Razor Services are generally intended to be viewed by a conventional web browser with a screen resolution of 800 by 600 pixels or greater. Although End Users may use other means to access Razor Services, please be aware that Razor Services may not appear accurately through other access methods. Razor shall use best efforts to provide an End User experience that reflects the high quality of Razor Services. 5. Razor may terminate End User access to Razor Services at any time in accordance with these Terms of Use and, where applicable, the Subscription Agreement. 4. #### END USER RESPONSIBILITIES AND OBLIGATIONS 1. End Users are solely responsible for obtaining and maintaining at their own expense, all equipment and connections needed to access Razor Services including, but not limited, to Internet access. Razor represents that, when making available Razor Services to End Users, it shall use industry standard measures and protocols to promote the security of all End User Data while such End User Data resides in End User’s Razor Account. 2. Should an End User choose to terminate its access to Razor Services by closing its End User Razor Account or by otherwise unsubscribing to Razor Services, all End User Data will be removed by Razor within TWENTY-ONE (21) calendar days following End User’s termination or unsubscription. End User Data so removed shall not be recoverable. Upon termination, but within 21 calendar days following End User’s termination or unsubscription, End User can choose to re-activate its End User Razor Account in accordance with these Terms of Use. 3. End Users are responsible for maintaining the confidentiality of all passwords and for ensuring that each password is used only by the authorized End User. End Users are entirely responsible for any and all activities that occur under the authorized End User’s Razor Account. End Users agree to immediately notify Razor of any unauthorized use of End User’s Razor Account or any other breach of security known to End User. Razor shall have no liability for any loss or damage arising from End User’s failure to comply with these requirements. Razor shall maintain End User passwords as confidential and will not disclose them to third parties. Razor shall not be under any duty to inquire as to the authority or propriety of any End User Data or instructions given to Razor through End User’s Razor Account and shall be entitled to act upon any such End User Data or instructions. End Users shall accept full responsibility for monitoring End Users’ Razor Accounts including frequently checking account information, reviewing your transaction history online and promptly reviewing any correspondence, account statements and confirmations received from Razor.Core. End Users shall notify Razor immediately of any unauthorized activity, disclosure, loss, theft or unauthorized use of passwords. End Users agree to cooperate with Razor in any investigation and agree to take corrective measures to End User Razor accounts from fraudulent activity. 4. End Users shall be responsible for the accuracy, quality, integrity and legality of End User Data. Razor Services, including all analytical and planning tools made available therein, may provide general financial and investment education based on End User Data End Users are solely responsible for determining whether any financial plan, investment, investment strategy, security or related transaction is appropriate for the End User based on financial circumstances, objectives and risk tolerance as applicable. Client Users may consult Financial Advisors, legal and/or tax professionals for advice regarding Client Users’ specific financial circumstances, objectives and risk tolerance. 5. End Users acknowledge and agree that Razor does not monitor or police the content of End User Data entered into or transmitted by Razor Services, and that Razor shall not be responsible for the content of any End User Data so entered or transmitted. End Users shall use Razor Services exclusively for the Limited Purpose consistent with all applicable laws and regulations. 6. End Users agree not to post or upload any End User Data which 1. is libelous, defamatory, obscene, pornographic, abusive, harassing or threatening; 2. contains malicious code; 3. violates the rights of others, such as data which infringes on any intellectual property rights or violates any right of privacy or publicity; or 4. otherwise violates any applicable laws and regulations. 7. End Users further agree not to interfere or disrupt networks connected to the Razor Services, not to interfere with another person’s use and enjoyment of Razor Services and to comply with all regulations, policies and procedures of networks connected to Razor Services. Razor may remove any violating content entered into or transmitted by Razor Services without notice to End Users. Razor may suspend or terminate any End User’s Razor Account and access to Razor Services in general upon notice in the event that Razor reasonably determines that such End User has violated these Terms of Use. However, Razor shall provide End Users with advanced written notice and reasonable opportunity to cure prior to suspending or terminating such End User Razor Account and access to Razor Services in general. 8. Because all information technology hardware, including servers, have limited capacity, End Users shall not use Razor Sites in any manner that could damage or overburden any Razor server, or any network connected to any Razor server. 5. #### RESERVATION OF RIGHTS 1. Razor reserves the right at all times to disclose any information as Razor deems necessary to satisfy any applicable law, regulation, legal process or governmental request. Razor also reserves the right to terminate your access to any or all of the Services at any time, without notice, for any reason whatsoever. 6. #### SERVICE AVAILABILITY AND SUPPORT 1. Razor shall make reasonable efforts to provide consistent availability of Razor Services. (“**Service Availability**”). Service Availability is defined as the time that Razor Services are capable of receiving, processing, and responding to End User Data input requests, excluding (a) Scheduled Maintenance; (b) End User Error Incidents; (c) Emergency Maintenance; (d) Force Majeure; and (e) Internet service provider failures or delays. 2. End Users acknowledge that Razor does not control the transfer of End User Data over telecommunications facilities, including the Internet. Razor does not warrant secure operation of Razor Services or that Razor will be able to prevent third party disruptions of Razor Services. End Users acknowledge that Razor Services may be subject to limitations, delays, and other problems inherent in the use of the Internet and electronic communications. Razor is not responsible for any delays, delivery failures, or other damage resulting from such problems. 3. Razor shall provide updates to Razor Services when and if available, and Razor is under no obligation to develop any future programs or functionality with respect to Razor Services. Razor is under no obligation to provide support with respect to any websites, software, systems, programs or functionality not supplied by Razor as part of Razor Services. 1. Razor offers to End Users toll-free phone and email support for Razor Services according to End User’s Razor Account, as applicable. Information on the applicable level of support shall be made available to End User when accessing End User’s Razor Account. Razor Support is provided during regular business hours only; 9am to 5pm Mountain Time, excluding weekends and statutory holidays. 2. Razor reserves the right to deny or limit Razor Support at any time and for any reason. 3. Razor Support includes the following services: Technical Support, General Support, Case Support, and Training. 1. *Technical Support:* Technical Support includes, but is not limited to, versioning issues, login issues, User Name and Password resets, error codes and messages, and Subscription status and duration. 2. *General Support:* General Support includes, but is not limited to, mathematical output and interpretation of Razor Services when not pertaining to an individual End User or individual End User Data. 3. *Case Support:* Case Support includes, but is not limited to, mathematical output and interpretation of Razor Services when pertaining to an individual End User or individual End User Data. This type of support will typically include a discussion of a specific client file or situation where the support provided will involve the interpretation of results and possible recommendations. Case Support is not included with the purchase of a subscription but can be provided for an additional fee on request. 4. *Training:* Training for use of Razor Services is provided to End Users through pre-recorded tutorials and live webinars available from time to time at www.razorplan.com. One-on-one Training is not included with the purchase of a subscription but can be provided for an additional fee on request. 7. #### SUBSCRIPTION AGREEMENT 1. End Users shall subscribe for access to Razor Services pursuant to a Subscription Agreement and in accordance with these Terms of Use. 2. Subscriptions cannot be transferred or sold at any time. Providing access to Razor Services to 3rd party, either directly or indirectly, without the express written consent of Razor, will be considered a breach of these Terms of Use. In the case of a Financial Advisor, the Assistant to a Financial Advisor is not considered a third party, but rather an extension of the Financial Advisor. An “Assistant” is defined by this Terms of Use document as an employee who acts in a support role for the subscribing Financial Advisor. An Assistant can be licensed or non-licensed but cannot maintain a client base. 3. A duly made and current Subscription Agreement shall permit an End User to access to Razor Services for the Subscription Term. 4. Although an End User may terminate a Subscription Agreement in accordance with the termination provisions therein, an End User Razor Account will remain active until the termination or expiration of the Subscription Term. 8. #### FREE TRIAL PERIOD 1. All End Users who are new to Razor Services are eligible to receive limited access to Razor Services for 30 days prior to purchase of same under a Subscription Agreement (“**Free Trial Period**”). During the Free Trial Period, End Users are eligible to receive unlimited email and toll-free technical support. In addition, training on Razor Services is offered through pre-scheduled online webinars and recorded tutorials. Razor reserves the right to deny access to this Free Trial Period to any End User for any reason. Each new End User is entitled to receive one Free Trial Period. Any duplicate trial will be removed by Razor without notice. End User Data associated with any removed Razor Account will not be recoverable. 2. Once an End User Razor Account is inactive for a period of TWENTY-TWO (22) calendar days or more, it will be permanently closed. Upon closure of an End User Razor Account, Razor shall permanently delete all End User Data. 9. #### RAZOR WARRANTIES, DISCLAIMERS AND LIMITATION OF LIABILITY 1. Razor does not make any express or implied warranties about the Razor Services, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Razor Services are made available “as is” and “as available”. Razor does not warrant that any defects or inaccuracies within Razor Services will be corrected. 2. Razor does not warrant that Razor Services will meet End User needs, or that they will be uninterrupted, timely, secure or error-free. Razor also makes no warranty that the results obtained from the use of Razor Services will be accurate or reliable, or that the quality of any products, services, information, or other material purchased or obtained by you through Razor Services will meet your expectations. 3. Razor will not be liable to you or anyone else for any consequential, incidental, special, direct, or indirect damages (including but not limited to lost profits, trading losses or damages that result from use or loss of use of Razor Services and third party content, inconvenience or delay). This is true even if Razor has been advised of the possibility of such damages or losses. 4. Razor will not be liable to you or anyone else for any loss resulting from a cause over which such Razor does not have direct control. This includes failure of electronic or mechanical equipment or communications lines (including telephone, cable and Internet), unauthorized access, viruses, theft, operator errors, severe or extraordinary weather (including flood, earthquake, or other act of God), fire, war, insurrection, terrorist act, riot, labor dispute and other labor problems, accident, emergency or action of government. 5. As a condition of your use of the Razor Services, you agree to indemnify and hold Razor and its Third Party Content providers harmless from and against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys’ fees) arising from your use of the Razor Services, or from your violation of these Terms of Use. 10. #### RAZOR INTELLECTUAL PROPERTY AND LINKING POLICY 1. Razor Services and all content included therein is proprietary intellectual property owned by Razor.Core. Razor Services and all content included therein are protected by applicable statutory and common law regimes governing ownership and permitted use of intellectual property. Accordingly, you may not copy, distribute, modify, post or frame-in Razor Services including any text, graphics, video, audio, software code, user interface design or logos. 2. All trademarks and service marks featured in association with Razor Services belong to Razor except third-party trademarks and service marks, which are the property of their respective owners. 3. Except as expressly provided by these Terms of Use, no portion of Razor Services or any content included therein may be copied, imitated, published, transmitted, broadcast or distributed, in whole or in part. In no event shall Razor be liable for any special, indirect or consequential damages or any damages whatsoever resulting from loss of use, data or profits, whether in an action of contract, negligence or other tortuous action, arising out of or in connection with the use or performance of Razor Services. 4. Linking Policy Some links on Razor Services will let you leave Razor Services. Razor provides these links to only as a convenience, and the inclusion of any link does not imply endorsement by Razor.Core. You acknowledge and agree that Razor does not control, review, revise, endorse, or accept responsibility for any materials, projects or services offered by third parties, including third–party vendors and third parties accessible through linked sites. You acknowledge and agree that Objectway Financial Solutions Inc. makes no representations or warranties whatsoever about any such third parties, their materials or services. You acknowledge and agree that any dealings you may have with such third parties are at your own risk and Razor shall not be liable or responsible for any materials or services offered by third parties. The Third Party Content is protected by copyright pursuant to domestic laws and international treaties and is owned or licensed by the Third Party Content provider(s) credited. Razor has not been involved in the preparation, adoption or editing of Third Party Content and does not explicitly or implicitly endorse or approve such content. The Third Party Content providers do not implicitly or explicitly endorse or approve the Third Party Content, nor do they give investment advice, or advocate the purchase or sale of any security or investment. While Razor makes every attempt to provide accurate and timely information to serve the needs of users, neither Razor nor the Third Party Content providers guarantee its accuracy, timeliness, completeness or usefulness, and are not responsible or liable for any such content, including any advertising, products, or other materials on or available from third party sites. Third Party Content is provided for informational purposes only and Razor and the Third Party Content providers specifically disclaim any responsibility for Third Party Content available on the site. You will use Third Party Content only at your own risk. THE THIRD PARTY CONTENT IS PROVIDED ON AN “AS-IS” BASIS. THE THIRD PARTY CONTENT PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. 11. #### GOVERNING LAW AND SEVERABILITY 1. Unless otherwise agreed, these Terms and their enforcement are governed by the laws of the Province of Ontario, Canada, without regard to conflicts of law, and shall inure to the benefit of Razor’s successors and assigns, whether by merger, consolidation, or otherwise. 2. If a court of competent jurisdiction deems any provision of these Terms of Use unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect. 12. #### DEFINITIONS “**Scheduled Maintenance**” is defined as any maintenance performed during Razor’s then-current standard maintenance windows and any other maintenance of which End Users may be given at least forty-eight (48) hours advance notice. “**End User Error Incident**” is defined as any unavailability of Razor Websites and Razor Services related to End Users’ applications, End User Data, or End User equipment or connections, or the acts or omissions of any End User “**Emergency Maintenance**” means downtime of the Razor Websites and Razor Services due to the application of urgent patches or fixes, or other urgent maintenance that is performed outside of Scheduled Maintenance --- ### [Accessibility statement - Déclaration d'accessibilité](https://razorplan.com/fr/declaration-daccessibilite/) **Published:** September 2, 2025 **Author:** leo **Content:** Mis à jour : 7 août 2025 # **Déclaration d’accessibilité** Chez RazorPlan, nous nous engageons à rendre notre site web accessible, conformément aux [Web Content Accessibility Guidelines (WCAG) 2.2 Level AA](https://www.w3.org/WAI/WCAG2AA-Conformance "WCAG Guidelines"), en accord avec le [Accessibility for Ontarians with Disabilities Act (AODA)](https://aoda.ca/new-aoda-requirement-for-ontario-websites/ "AODA Guidelines"). Nous suivons un plan d’amélioration continue de l’accessibilité du site web de RazorPlan ; vos commentaires nous aident à l’améliorer encore davantage. Si vous rencontrez des problèmes d’accessibilité ou souhaitez obtenir des informations sur l’application des réglementations en matière d’accessibilité, veuillez nous les signaler ou nous contacter par courriel à l’adresse : compliance@objectway.com. ![Accessibility Score: 97/100, tested with Google Lighthouse](https://razorplan.com/wp-content/uploads/2025/08/accessibility-score-lighthouse.svg) --- ### [Accessibility statement](https://razorplan.com/accessibility/) **Published:** August 10, 2025 **Author:** leo **Content:** Updated: August 07, 2025 # **Accessibility Statement** At RazorPlan, we are committed to making our website accessible, in accordance with [Web Content Accessibility Guidelines (WCAG) 2.2 Level AA](https://www.w3.org/WAI/WCAG2AA-Conformance "WCAG Guidelines"), in alignment with the [Accessibility for Ontarians with Disabilities Act (AODA)](https://aoda.ca/new-aoda-requirement-for-ontario-websites/ "AODA Guidelines"). We follow a plan to continuously improve the accessibility of RazorPlan website; your feedback is valuable in further improving the accessibility of the website. If you encounter accessibility issues or would like information on the application of accessibility regulations, please report them or contact us by emailing: compliance@objectway.com. ![Accessibility Score: 97/100, tested with Google Lighthouse](https://razorplan.com/wp-content/uploads/2025/08/accessibility-score-lighthouse.svg) --- ### [Princing - Tarifs](https://razorplan.com/fr/tarifs/) **Published:** September 1, 2025 **Author:** leo **Content:** Tarifs # Des plans adaptés à **votre croissance** **Nos formules sont flexibles**, vous permettant d’investir à mesure que votre entreprise se développe. Même avec une formule de base, vous pourrez étendre les fonctionnalités ultérieurement, lorsque vous serez prêt à évoluer, tout en conservant vos données et votre base de clients. ## **Inscription instantanée** Vous vous demandez comment démarrer avec RazorPlan? - **Inscrivez-vous pour un essai gratuit de 30 jours**, aucun paiement requis. - **Découvrez la plateforme complète, sans aucune limitation**. Créez des plans, testez des scénarios et découvrez comment RazorPlan simplifie la planification. - **Passez à la version supérieure dès que vous êtes prêt**. Poursuivez avec un abonnement payant à tout moment ou laissez la période d’essai expirer sans engagement. Pay per month or save with annual subscription ↓ Annually Annual / Monthly plan toggle Monthly - ← Choose your Plan → - $20 any text - Retirement Option Analysis Quickly identify if clients have enough for retirement with automatically [calculations of additional options.](/wp-content/uploads/2025/08/RZ-Retirement.jpg) - Client Friendly Reports - Concepts & Calculators - Client Facing Data Gathering - Toll-Free & Email Support - Scenario Planning - Business Owner Planning Easily create plans that show business owner clients their goals by integrating personal and [corporate owned assets.](/wp-content/uploads/2025/08/RZ-Retired-Business-Owner.jpg) - Advanced Corporate Estate Planning Provide powerful [post-mortem planning](/wp-content/uploads/2025/08/Corporate-Post-Mortem-Report.png) for business owners that takes capital gains, double taxation and pipeline planning into consideration. - Life Insurance Planning Integrate premiums, death benefits and cash values into [detailed plans](/wp-content/uploads/2025/08/Rp_Risk_management.png) using the life insurance import utilities. - Import Insurance Policies - Capital Needs & Expenses All levels of RazorPlan determine the need for insurance but the advanced life insurance planning feature allows advisors to import insurance data from insurance company programs. [Capital Needs](https://vimeo.com/1124152125) with this feature, to offer a premium advice to your customers - Sequence of Returns - Excess Income Manager - Decumulation Optimization [Determine the optimal retirement](/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) withdrawal strategy to either maximize estate or maximize retirement income - Solve CPP & OAS Ages - Get Your Plan - - RazorPlan - RazorPlan - $69/ month $828 per year - $745 save $83/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- - --- - --- - --- - --- - --- - --- [Try now](https://gen.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&lang=en-CA&appInfo=PlanWebsite_EN) - - RazorPlan Advanced - RazorPlan Advanced - $99/ month $1,188 per year - $1,070 save $118/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- [Try now](https://gen.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN) - - RazorPlan Decumulation - RazorPlan Decumulation - $149/ month $1,788 per year - $1,610 save $178/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) [Try now](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN) RazorPlan ***Enterprise*** Le niveau **RazorPlan Enterprise** offre des fonctionnalités exclusives (SSO inclus, image de marque personnalisée, rapports avancés, etc.) pour aider votre organisation à automatiser les processus métier de base, à obtenir des informations, à améliorer l’expérience client et à garantir une croissance et une sécurité à long terme. Demandez **les détails et les prix du plan Entreprise** à <support@razorplan.com>. [Demander les détails](mailto:support@razorplan.com?subject=Plan%20Entreprise%20RazorPlan%20-%20Demande%20d'informations) ### **Quels sont les avantages** pour une entreprise partenaire? - **Implantations personnalisées** Notre équipe accompagnera votre entreprise pour évaluer vos besoins de personnalisation. Les entreprises partenaires peuvent contrôler l’accès des utilisateurs aux fonctionnalités, modifier le logo et les images des rapports, et ajouter des clauses et des signatures personnalisées. - **Contrôle et intégration** Les entreprises partenaires peuvent contrôler l’accès des utilisateurs grâce à un portail d’administration, incluant la création de comptes et l’accès aux statistiques. Grâce à l’intégration de l’authentification unique (SSO), vos conseillers peuvent lancer RazorPlan directement à partir de votre propre système — aucun mot de passe supplémentaire n’est requis. - **Réductions pour les membres de l’équipe** En tant que partenaire RazorPlan, votre organisation bénéficiera de réductions compétitives adaptées à la taille et à l’engagement des utilisateurs. Notre équipe accompagnera votre organisation pour identifier vos besoins, mettre en œuvre la solution et guider votre équipe grâce à des formations en ligne. The advantage of **partnering** Find the discounted pricing offered by our partners, and leverage exclusive training and support [Go to partner offering (opens in a new tab)](/raymondjames/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Raymondjames.webp) [Go to partner offering (opens in a new tab)](/hubfinancial/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Hub.webp) [Go to partner offering (opens in a new tab)](/idc/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_IDC-1.webp) [View partner offering (opens in a new tab)](/ppi/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_PPI.webp) [Go to partner offering (opens in a new tab)](/financialhorizons/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_financialHorizons.webp) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Serenialife.webp) ](/training-serenia-life/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Nestwealth.webp) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_customplan.webp) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_QFS.webp) [Go to partner offering (opens in a new tab)](/ifb/) ![Independent Financial Brokers Canada logo](https://razorplan.com/wp-content/uploads/2025/09/IFSB-C-logo-2.svg) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Raymondjames.webp) ](/raymondjames/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Hub.webp) ](/hubfinancial/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_IDC-1.webp) ](/idc/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_PPI.webp) ](/ppi/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_financialHorizons.webp) ](/financialhorizons/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Serenialife.webp) ](/training-serenia-life/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Nestwealth.webp) ](/nestwealth/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_customplan.webp) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_QFS.webp) ](/qfs/) [ ![Independent Financial Brokers Canada logo](https://razorplan.com/wp-content/uploads/2025/09/IFSB-C-logo-2.svg) ](/ifb/) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **RazorPlan has helped me show retirement and estate planning strategies as well as the need for long term care, term and/or permanent insurance to clients in a way that is easy to comprehend.** Terry Zavitz **Zavits Insurance & Wealth** ![](https://razorplan.com/wp-content/uploads/2025/08/terry-zavitz.webp) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **This has increased my productivity by saving me time on the analysis. Also, it’s user friendly for the client.** Tyler Burtch Strata Group of Companies ![Tyler Burtch - portrait](https://razorplan.com/wp-content/uploads/2025/08/Tyler-Burtch.webp) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **Clients love especially the one page summary that shows them where they currently stand and the four options they are given to work towards their goals.** Aurora Tancock Tancock Financial Services ![Aurora Tancock - portrait](https://razorplan.com/wp-content/uploads/2025/08/Aurora-Tancock.webp) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **The software handles all the heavy lifting and allows me to spend more time advising my clients.** Scott Plaskett Ironshield Financial Planning ![Scott E. Plaskett - portrait](https://razorplan.com/wp-content/uploads/2025/08/Scott-Plaskett.webp) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **RazorPlan is a great addition to our client services. It allows us to gain perspective and get into action faster and more easily. Now we’re implementing sooner and our clients report a better understanding of their planning fundamentals.”** Curtis Scoville **Scoville Financial Planning, Black Creek, BC** ![Curtis Scoville - portrait](https://razorplan.com/wp-content/uploads/2025/08/Curtis-Scoville.webp) --- ### [Pricing](https://razorplan.com/pricing/) **Published:** August 15, 2025 **Author:** leo **Content:** Pricing # Plans that fit **your growth** **Our plans are flexible**, so you can invest when your business grows. Even if you start basic, you can extend the features set later, when you are ready to scale, keeping your data and client list. ## **Instant sign-up** Are you wondering how to get started with RazorPlan? - **Sign up for a free 30-day trial**, no payment required. - **Experience the full platform, no limitations**. Build plans, test scenarios, and discover how RazorPlan simplifies planning. - **Upgrade when you’re ready**. Continue with a paid subscription anytime, or let the trial expire with no commitment. Pay per month or save with annual subscription ↓ Annually Annual / Monthly plan toggle Monthly - ← Choose your Plan → - $20 any text - Retirement Option Analysis Quickly identify if clients have enough for retirement with automatically [calculations of additional options.](/wp-content/uploads/2025/08/RZ-Retirement.jpg) - Client Friendly Reports - Concepts & Calculators - Client Facing Data Gathering - Toll-Free & Email Support - Scenario Planning - Business Owner Planning Easily create plans that show business owner clients their goals by integrating personal and [corporate owned assets.](/wp-content/uploads/2025/08/RZ-Retired-Business-Owner.jpg) - Advanced Corporate Estate Planning Provide powerful [post-mortem planning](/wp-content/uploads/2025/08/Corporate-Post-Mortem-Report.png) for business owners that takes capital gains, double taxation and pipeline planning into consideration. - Life Insurance Planning Integrate premiums, death benefits and cash values into [detailed plans](/wp-content/uploads/2025/08/Rp_Risk_management.png) using the life insurance import utilities. - Import Insurance Policies - Capital Needs & Expenses All levels of RazorPlan determine the need for insurance but the advanced life insurance planning feature allows advisors to import insurance data from insurance company programs. [Capital Needs](https://vimeo.com/1124152125) with this feature, to offer a premium advice to your customers - Sequence of Returns - Excess Income Manager - Decumulation Optimization [Determine the optimal retirement](/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) withdrawal strategy to either maximize estate or maximize retirement income - Solve CPP & OAS Ages - Get Your Plan - - RazorPlan - RazorPlan - $69/ month $828 per year - $745 save $83/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- - --- - --- - --- - --- - --- - --- [Try now](https://gen.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&lang=en-CA&appInfo=PlanWebsite_EN) - - RazorPlan Advanced - RazorPlan Advanced - $99/ month $1,188 per year - $1,070 save $118/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- [Try now](https://gen.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN) - - RazorPlan Decumulation - RazorPlan Decumulation - $149/ month $1,788 per year - $1,610 save $178/year - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) [Try now](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN) RazorPlan ***Enterprise*** The **RazorPlan Enterprise** tier offers exclusive features (included SSO, custom branding, advanced reporting, etc.) to help your organization automate core business processes, gain insights, enhance customer experiences, and ensure long-term growth and security. Ask for **Enterprise Plan details and pricing** at <support@razorplan.com>. [Ask for Enterprise Plan details](mailto:support@razorplan.com?subject=RazorPlan%20Enterprise%20Plan%20-%20Info%20Request) ### **What do I get** as an Enterprise Partner? - **Custom Implementations** Our team will work with your organization to scope out any customization needs. Enterprise partners can control user access to features, modify the report logo and images, and add custom disclaimer and signature documents. - **Control and Integration** Enterprise partners control user access through an administrative portal, including user creation and usage statistics. With built-in Single Sign On (SSO), your advisors can easily launch RazorPlan directly from your system, no additional passwords are necessary. - **Team Member Discounts** As a RazorPlan Enterprise partner, your organization will unlock competitive discounts based on your organizational size and user commitment. Our team will work with your organization to determine your needs, implement the solution, and onboard your team through online training. The advantage of **partnering** Find the discounted pricing offered by our partners, and leverage exclusive training and support [Go to partner offering (opens in a new tab)](/raymondjames/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Raymondjames.webp) [Go to partner offering (opens in a new tab)](/hubfinancial/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Hub.webp) [Go to partner offering (opens in a new tab)](/idc/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_IDC-1.webp) [View partner offering (opens in a new tab)](/ppi/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_PPI.webp) [Go to partner offering (opens in a new tab)](/financialhorizons/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_financialHorizons.webp) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Serenialife.webp) ](/training-serenia-life/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Nestwealth.webp) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_customplan.webp) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_QFS.webp) [Go to partner offering (opens in a new tab)](/ifb/) ![Independent Financial Brokers Canada logo](https://razorplan.com/wp-content/uploads/2025/09/IFSB-C-logo-2.svg) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Raymondjames.webp) ](/raymondjames/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Hub.webp) ](/hubfinancial/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_IDC-1.webp) ](/idc/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_PPI.webp) ](/ppi/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_financialHorizons.webp) ](/financialhorizons/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Serenialife.webp) ](/training-serenia-life/) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_Nestwealth.webp) ](/nestwealth/) ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_customplan.webp) [ ![](https://razorplan.com/wp-content/uploads/2025/08/Rp_QFS.webp) ](/qfs/) [ ![Independent Financial Brokers Canada logo](https://razorplan.com/wp-content/uploads/2025/09/IFSB-C-logo-2.svg) ](/ifb/) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **RazorPlan has helped me show retirement and estate planning strategies as well as the need for long term care, term and/or permanent insurance to clients in a way that is easy to comprehend.** Terry Zavitz **Zavits Insurance & Wealth** ![](https://razorplan.com/wp-content/uploads/2025/08/terry-zavitz.webp) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **This has increased my productivity by saving me time on the analysis. Also, it’s user friendly for the client.** Tyler Burtch Strata Group of Companies ![Tyler Burtch - portrait](https://razorplan.com/wp-content/uploads/2025/08/Tyler-Burtch.webp) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **Clients love especially the one page summary that shows them where they currently stand and the four options they are given to work towards their goals.** Aurora Tancock Tancock Financial Services ![Aurora Tancock - portrait](https://razorplan.com/wp-content/uploads/2025/08/Aurora-Tancock.webp) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **The software handles all the heavy lifting and allows me to spend more time advising my clients.** Scott Plaskett Ironshield Financial Planning ![Scott E. Plaskett - portrait](https://razorplan.com/wp-content/uploads/2025/08/Scott-Plaskett.webp) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## **RazorPlan is a great addition to our client services. It allows us to gain perspective and get into action faster and more easily. Now we’re implementing sooner and our clients report a better understanding of their planning fundamentals.”** Curtis Scoville **Scoville Financial Planning, Black Creek, BC** ![Curtis Scoville - portrait](https://razorplan.com/wp-content/uploads/2025/08/Curtis-Scoville.webp) --- ### [Partner Training: Raymond James (FR)](https://razorplan.com/fr/partner-training-raymond-james-fr/) **Published:** September 2, 2025 **Author:** leo **Content:** ![](https://razorplan.com/wp-content/uploads/2025/08/razorplan-Raymond-James.svg) # **Formation** RazorPlan Des webinaires enregistrés pour les conseillers Raymond James. - [RazorPlan – Les bases](#tab_6ad2b386cc8ff) - [RazorPlan Applications – Planificateur REEE](#tab_6ad2b386cc902) - [Projections de retraite](#tab_6ad2b386cc904) - [Scénarios et allocation des retraits](#tab_6ad2b386cc906) - [Planification d'assurance](#tab_6ad2b386cc907) - [Planification d'entreprise](#tab_6ad2b386cc908) - [Razor Leads](#tab_6ad2b386cc909) ## **RazorPlan – Les bases** Apprenez les bases de l’utilisation de RazorPlan. Cette session de niveau débutant vous expliquera comment saisir des données dans RazorPlan et vous fournira des conseils clés pour faciliter le processus. Ensuite, la session se concentrera sur l’examen des résultats des données saisies et la création d’un rapport. ## **RazorPlan Applications – Planificateur REEE** Les applications RazorPlan sont des outils et des calculateurs qui peuvent être utilisés en complément d’un plan financier ou indépendamment. Dans cette session, vous apprendrez à utiliser l’application Planificateur REEE pour déterminer combien il faut économiser pour les études d’une famille. La session couvrira l’entrée des bénéficiaires et de leurs dépenses éducatives futures. Elle expliquera également comment utiliser la fonction de résolution intégrée pour déterminer les cotisations au Régime enregistré d’épargne-études (REEE). ## **Projections de retraite** Comprendre comment analyser les projections de retraite d’un couple est essentiel pour devenir un utilisateur avancé de RazorPlan. Dans cette session, vous apprendrez les bases de l’analyse des projections de retraite avec RazorPlan. La session vous fournira une compréhension de base des projections de retraite, puis vous aidera à analyser les questions courantes que les clients se posent, telles que: - Comment la modification de l’âge de début pour les prestations de RPC et de Supplément de revenu garanti (SRG) impacte-t-il leur retraite? - Que se passe-t-il s’ils réduisent la taille de leur maison? - Peuvent-ils se permettre de faire un don à leurs enfants pour leur donner une longueur d’avance? ## **Scénarios et allocation des retraits** Dans cette session vous découvrirez la fonction Scénarios de RazorPlan. Cette session démontrera comment utiliser les Scénarios en modifiant les paramètres du solveur et en utilisant la nouvelle fonctionnalité d’Allocation des Retraits. Cette fonction vous permet de déterminer d’où devrait provenir le revenu de retraite, entre les comptes enregistrés et non enregistrés. ## **Planification d’assurance** Apprenez les bases de l’ajout de polices d’assurance vie dans RazorPlan. Cette session expliquera le calcul du capital humain, qui est utilisé pour déterminer les besoins en assurance à tous les niveaux de RazorPlan. Ensuite, elle montrera comment entrer les données d’assurance vie dans RazorPlan afin que les plans reflètent l’impact à la fois des valeurs de rachat et des prestations de décès. ## **Planification d’entreprise** Apprenez les bases de l’utilisation de RazorPlan pour créer des plans financiers pour des entrepreneurs. Cette session couvrira la manière d’entrer les données dans RazorPlan pour des entrepreneurs et fournira des conseils clés pour faciliter le processus de saisie des données. Ensuite, la session se concentrera sur l’analyse des résultats et l’impact des données d’entreprise sur les plans personnels du client. ## **Razor Leads** Razor Leads est un outil destiné aux clients qui vous permet de collecter leurs données et de calculer rapidement leur revenu potentiel à la retraite. Dans cette session, vous apprendrez comment activer l’outil Razor Leads, configurer votre profil de conseiller et accepter les données des clients provenant de Razor Leads. La session donnera également quelques conseils sur la manière d’utiliser le lien fourni avec Razor Leads. ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engagez** vos prospects. **Évaluez** leurs besoins. **Offrez** des résultats concrets. [Essai gratuit de 30 jours](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR)[Réservez une démo](/fr/inscrivez-vous-a-une-demonstration-en-direct-webinaires/) ![Quotes (icon)](https://razorplan.com/wp-content/uploads/2025/07/quotes.svg) ## Les clients apprécient particulièrement la page de synthèse, qui leur montre leur situation actuelle ainsi que les quatre options qui leur sont proposées pour atteindre leurs objectifs. Aurora Tancock Tancock Financial Services ![Aurora Tancock - portrait](https://razorplan.com/wp-content/uploads/2025/08/Aurora-Tancock.webp) ![reversed pyramid, vector illustration](https://razorplan.com/wp-content/uploads/2025/07/CTA-tetra-3D.svg) NOUVELLESMARQUE RAZORPLAN Une **nouvelle énergie** alimente l’évolution **de RazorPlan** [Allumez les lumières](/razorplan-rebranding-2025) --- ### [RazorPlan Partner: Aligned Capital Partners (FR)](https://razorplan.com/fr/razorplan-partner-aligned-capital-partners/) **Published:** September 2, 2025 **Author:** lorenzo noventa **Content:** ![](https://razorplan.com/wp-content/uploads/2025/08/razorplan-aligned-capital-partner.svg) # RazorPlan and **Aligned Capital Partners** Commencez dès aujourd’hui avec RazorPlan et aidez vos clients à se concentrer sur l’essentiel. [Obtenez un essai gratuit](https://nestwealthplus.razorplan.com/?isShowRegister=True&isInsurance=True&plan_id=1&plan_id=1&plan_id=1)[Se connecter](https://nestwealthplus.razorplan.com/) ## **Establish the Engagement** Using the client facing RazorLeads tool built into RazorPlan your clients can enter initial data and determine their potential retirement income. This data is then automatically used to start the analysis and planning process. ![Senior Couple Meeting with Financial Advisor](https://razorplan.com/wp-content/uploads/2025/08/Senior-Couple-Meeting-with-Financial-Advisor-2025.webp) ## **Analyze the Situation** RazorPlan’s algorithms run intuitive calculations on your behalf. Allowing you to quickly analyze a client’s financial and risk management needs while helping them understand the importance of your recommendations. ![Analyze the retirement situation with RazorPlan](https://razorplan.com/wp-content/uploads/2025/08/RazorPlan-analize-situation.webp) ## **Deliver the Results** Choose from multiple client reports that each take a different approach to delivering the client analysis. Depending on the type and scope of a client meeting, you can print the report that best corresponds to your client’s situation. ![Advisor shows investment portfolio report on tablet](https://razorplan.com/wp-content/uploads/2025/08/advisor-shows-investment-portfolio-report-on-tablet.webp) **Special pricing**: 10% off regular price Payez par mois ou économisez avec un abonnement annuel ↓ Annuellement Basculer entre le plan annuel et le plan mensuel Mensuel - ← Choisissez votre abonnement → - $20 any text - Analyse des options de retraite Identifiez rapidement si les clients ont suffisamment d'argent pour la retraite grâce à des [calculs automatiques d'options supplémentaires.](/wp-content/uploads/2025/08/RZ-Retirement.jpg) - Rapports conviviaux - Concepts et calculateurs - Collecte de données pour les clients - Assistance téléphonique gratuite et par courriel - Planification de scénarios - Planification pour les propriétaires d'entreprise Créez facilement des plans qui montrent aux clients propriétaires d’entreprise leurs objectifs en intégrant les [actifs personnels et professionnels.](/wp-content/uploads/2025/08/RZ-Retired-Business-Owner.jpg) - Planification successorale avancée Offrez aux propriétaires d’entreprise une [planification post-mortem ](/wp-content/uploads/2025/08/Corporate-Post-Mortem-Report.png) puissante qui prend en compte les gains en capital, la double imposition et la planification des pipelines. - Planification de l'assurance-vie Intégrez les primes, les prestations de décès et les valeurs de rachat [dans des plans détaillés](/wp-content/uploads/2025/08/Rp_Risk_management.png) à l’aide des utilitaires d’importation d’assurance-vie. - Importation de polices d'assurance - Besoins et dépenses en capital Tous les niveaux de RazorPlan déterminent les besoins d'assurance, mais la [fonctionnalité avancée de planification de l'assurance](https://vimeo.com/1124152125) vie permet aux conseillers d'importer des données d'assurance depuis les programmes des compagnies d'assurance. Grâce à cette fonctionnalité, vous pouvez offrir des conseils de qualité à vos clients. - Séquence de rendement - Gestionnaire des revenus excédentaires - Optimisation du décaissement [Déterminer la stratégie de retrait optimale](/wp-content/uploads/2023/03/Decumulation_Blog_Overview-1030x523-1.png) pour la retraite afin de maximiser la succession ou de maximiser le revenu de retraite - Résolution des problèmes d'âge liés au RPC et à la SV - Obtenez votre plan - - RazorPlan - RazorPlan - $62/ mois $744 par an - $669 économisez $75/an - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- - --- - --- - --- - --- - --- - --- Essayer - - RazorPlan Advanced - RazorPlan Advanced - $89/ mois $1,068 par an - $961 économisez $107/an - - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - ![checkmark](/wp-content/uploads/2025/05/check-mark.svg) - --- - --- Essayer --- ### [FAQ (FR)](https://razorplan.com/fr/faq-foire-aux-questions/) **Published:** October 3, 2025 **Author:** lorenzo noventa **Content:** COMMENT FAIRE ET FAQ # **FAQ** – Foire aux questions - [Commencer](#tab_6ad2b386dd160) - [Compte et Accès](#tab_6ad2b386dd164) - [Saisie de données et saisie des informations client](#tab_6ad2b386dd166) - [Analyse](#tab_6ad2b386dd167) - [Rapports](#tab_6ad2b386dd168) - [Implémentation et Collaboration](#tab_6ad2b386dd169) - [Conformité et sécurité des données](#tab_6ad2b386dd16b) - [Dépannage et assistance](#tab_6ad2b386dd16c) **Commencer** ### [Comment puis-je tester RazorPlan? Existe -t-il un essai gratuit?](#) Oui. RazorPlan offre un **essai gratuit** de 30 jours aux nouveaux utilisateurs. L’essai donne accès à toutes les fonctionnalités du logiciel (Standard et Avancé) avec quelques limitations (par exemple, importation restreinte d’illustrations d’assurance, Razor Leads, et partage de fichiers). Tous les rapports imprimés pendant l’essai porteront la **mention « ESSAI »**. Après 30 jours, vous pourrez vous abonner pour continuer à utiliser RazorPlan sans ces limitations. ### [Qu’est-ce que RazorPlan et à qui s’adresse-t-il?](#) RazorPlan est un logiciel de planification financière en ligne conçu pour les planificateurs financiers canadiens. Les algorithmes innovants du RazorPlan utilisent les informations clés du client pour effectuer des calculs intuitifs et permettent aux planificateurs financiers canadiens d’analyser rapidement les besoins financiers tout en les aidant à comprendre l’importance des conseils reçus. RazorPlan peut générer plusieurs types de rapports selon la situation (des bilans annuels rapides aux plans financiers complets). Il permet également de créer des scénarios afin de comparer les effets de différentes stratégies sur l’épargne, la valeur nette, les impôts et les résultats successoraux. ### [Quelles sont les différences entre RazorPlan Standard, RazorPlan Avancé et RazorPlan avec Décaissement?](#) **RazorPlan Standard vs. Avancé**: L’abonnement Avancé inclut toutes les fonctionnalités de l’abonnement Standard, **ainsi que des fonctionnalités de planification supplémentaires**. Par exemple, RazorPlan Avancé débloque certaines sections de saisie de données et outils qui ne sont pas disponibles dans la version Standard, tels que **l’analyse des besoins en capitaux, la planification d’assurance vie et la modélisation des taux de rendement variables**. En somme, les utilisateurs de la version Standard disposent d’un ensemble de fonctionnalités simplifiées, tandis que les utilisateurs **d’Avancé** ont accès à toutes les sections de saisie de données et aux fonctionnalités de planification avancée (par exemple, la planification pour les sociétés et les modules d’assurance détaillés). Vous pouvez passer de la version **Standard à Avancé** à tout moment (voir la section “Votre compte” ci-dessous). **RazorPlan avec Décaissement**: Cela fait référence à une version du RazorPlan qui **inclut l’outil Optimiseur du Décaissement**. L’Optimiseur du Décaissement est un module avancé pour la planification du décaissement à la retraite (aidant à optimiser les stratégies de retrait – voir la section des fonctionnalités avancées). Si vous vous abonnez à RazorPlan avec Décaissement, votre logiciel disposera d’une fonctionnalité supplémentaire de décaissement activée ; sinon, l’Optimiseur du Décaissement ne sera pas accessible dans la version régulière du RazorPlan. ### [Comment puis-je obtenir une démo ou une formation pour RazorPlan?](#) Nous organisons régulièrement des webinaires de démonstration en groupe où vous pouvez voir **RazorPlan** en action. Visitez le site officiel du **RazorPlan** (page de webinaires) pour vous inscrire à une session de démo en groupe. De plus, **RazorPlan** propose un tutoriel vidéo de prise en main ainsi qu’une bibliothèque d’études de cas appelée **Razor Academy**, intégrée à l’application pour aider les nouveaux utilisateurs à apprendre à utiliser le logiciel. Ces ressources vous permettent de vous former en autonomie pour utiliser **RazorPlan** efficacement. **Compte et Accès** ### [Comment puis-je passer de RazorPlan Standard à RazorPlan Avancé?](#) Passer à la version Avancée est simple. Dans les paramètres de votre compte, utilisez l’option « Passer à l’Avancé aujourd’hui » pour changer votre abonnement vers RazorPlan Avancé. Cela ajoutera immédiatement les fonctionnalités avancées à votre compte (par exemple, le déblocage de la section de saisie des données d’assurance vie et d’autres modules avancés). Lorsque vous passez de RazorPlan Standard à RazorPlan Avancé, le système ajuste automatiquement votre facturation de manière proportionnelle : toute portion inutilisée de votre abonnement Standard actuel est créditée sur le coût de l’abonnement Avancé. Conseil : Le bouton de mise à jour se trouve sous l’onglet « Facturation » de la fenêtre « Votre compte », et tout remboursement applicable pour la durée restante est calculé automatiquement. ### [Comment puis-je ajouter l'Optimiseur du Décaissement à mon abonnement? ](#) L’Optimiseur du Décaissement est disponible via la version RazorPlan avec Décaissement du logiciel. Si vous vous êtes initialement abonné sans l’option Décaissement, vous ne pouvez pas activer cette fonctionnalité vous-même via l’interface. Pour ajouter Décaissement à votre abonnement actuel, vous devrez contacter le support RazorPlan et demander une mise à niveau vers la version Décaissement. L’équipe de support vous aidera à mettre à niveau votre compte afin que la fonctionnalité Optimiseur du Décaissement soit activée. ### [Comment puis-je changer le nom de mon compte ou mon courriel? ](#) Pour des raisons de sécurité et de licence, vous ne pouvez pas changer directement le nom enregistré ou l’adresse courriel de votre compte RazorPlan via l’interface. Ces champs sont verrouillés. Si vous devez effectuer une mise à jour (par exemple, en cas de changement de nom ou si vous devez transférer le compte vers une autre adresse courriel), vous devez contacter le support RazorPlan pour obtenir de l’aide. L’équipe de support pourra mettre à jour le nom ou l’adresse courriel de votre compte dans le système, selon vos besoins. ### [Comment puis-je mettre à jour mes informations de carte de crédit ou de facturation pour mon abonnement?](#) En raison du fonctionnement du système de facturation par abonnement RazorPlan, vous ne pouvez pas simplement modifier la carte de crédit enregistrée sans entraîner une facturation immédiate. Pour mettre à jour votre carte, il est recommandé de le faire près de la date de renouvellement suivante. Lorsque vous entrez de nouvelles informations de paiement, le système facturera immédiatement l’abonnement et réinitialisera le cycle de facturation. (Ne vous inquiétez pas – si vous effectuez un renouvellement anticipé, vous ne perdrez pas de temps prépayé. Tout nouveau paiement prolongera votre abonnement à partir de la date d’expiration actuelle, sans facturer de manière redondante). En résumé, pour éviter les paiements superposés, mettez à jour votre carte de crédit juste avant un renouvellement, ou soyez conscient qu’une mise à jour entraînera un paiement immédiat de renouvellement. ### [Que dois-je faire si j’ai oublié mon mot de passe?](#) Si vous oubliez votre mot de passe RazorPlan, utilisez le lien « Mot de passe oublié » sur la page de connexion. Entrez votre courriel enregistré, et RazorPlan vous enverra un lien de réinitialisation de mot de passe ou un mot de passe temporaire à cette adresse. (Si vous ne recevez pas le courriel de réinitialisation, vérifiez vos dossiers de spam ou courriers indésirables, ou contactez l’assistance). Après vous être connecté avec les identifiants temporaires, vous pouvez créer un nouveau mot de passe via l’onglet Mot de passe dans la fenêtre « Votre compte ». (Remarque: Vous pouvez également configurer proactivement une question/réponse de sécurité dans les paramètres de votre compte, ce qui peut aider à la récupération de votre compte.) Pour changer votre mot de passe, ouvrez la fenêtre « Votre compte » et allez à l’onglet « Mot de passe ». Vous y trouverez un champ pour entrer votre mot de passe actuel et un nouveau mot de passe (avec confirmation) pour le mettre à jour. De même, vous pouvez définir ou mettre à jour votre question de sécurité dans l’onglet Sécurité (Question/Réponse de sécurité) dans les paramètres Votre compte. Ces mesures permettent de garder votre compte sécurisé. (Si vous ne pouvez pas du tout vous connecter pour changer votre mot de passe, utilisez le processus de réinitialisation du mot de passe décrit ci-dessus.). **Saisie de données et saisie des informations client** ### [How is client data entry organized in RazorPlan?](#) RazorPlan uses a guided step-by-step data entry wizard for each client file. The Data Entry process is divided into up to 7 Steps, covering 30+ sections of client information. Each step focuses on a specific aspect of the plan (e.g. Personal Info, Income, Assets, Insurance, etc.), and each section includes on-screen help for guidance. You can also add detailed Planning Notes in each section to document assumptions or client details. RazorPlan Advanced users have all steps enabled, whereas Standard users will notice some advanced sections (like Capital Needs or detailed Insurance inputs) are not accessible. The software ensures you input only the key information needed – using default assumptions for the rest – so you can efficiently build a plan. ### [How do I enter multiple investment accounts of the same type (e.g. several RRSPs or TFSAs)?](#) RazorPlan does not allow entering multiple separate accounts of the same type for one client. If a client has more than one account of a given type (for example, two RRSPs or multiple non-registered investment accounts), you should combine them and enter a single aggregated value. This combined entry should use the total of all those accounts. The same approach applies to related inputs like cost base or contribution amounts – aggregate them for each account category. By grouping assets together, RazorPlan simplifies the plan while still accounting for the total value. (Exception: Different account types, like an RRSP vs. a Locked-In RRSP, may have separate fields in the software if applicable. But multiple of the same type are always entered as one.) ### [How do I enter a Whole Life insurance policy (Participating Whole Life)?](#) Entering a Whole Life policy requires a RazorPlan Advanced subscription (this advanced insurance need analysis is not available in RazorPlan Standard). In Data Entry Step 5: Insurance, add a new Permanent Life Insurance item and set the Illustration Type to “Import Data”\[22\]. RazorPlan does not directly calculate Whole Life values from simple inputs – instead, you will import an actual insurance illustration (typically via an Excel spreadsheet) to accurately reflect premiums, cash values, death benefits, etc. You can obtain this illustration spreadsheet from the insurance carrier’s software or request it from the insurance company. When importing: ensure the file is in “.xls” format with row 1 as column headers, and include yearly rows of data for Premium, Death Benefit, Cash Value, and Adjusted Cost Base (ACB) (ACB is required for corporate policies). Once imported, RazorPlan will use those values in the plan projection. (Importing Whole Life data can be complex – if you need help preparing the file, contact RazorPlan support for assistance.) ### [How can I model a future inheritance for the client?](#) To include a future inheritance (a lump sum the client expects to receive in the future), use the Other Income section. In Step 2: Income, go to the Other Income tab and open the Drill-Down window for Other Income. There you can enter the inheritance amount and specify the year(s) it will be received. RazorPlan allows you to enter the inheritance as a one-time amount or spread it over multiple years. Once entered, the inheritance will be treated as additional income in those future years of the plan. (Remember to enter it only in the client’s Other Income if it’s personally received, or in the spouse’s Other Income if appropriate.) ### [How can I represent an investment loan or leveraged investment in the plan?](#) RazorPlan does not have a dedicated input for an investment loan tied to an asset. In other words, there is no direct way to link a liability to a specific investment and have the software automatically manage loan repayments from investment withdrawals. However, you can simulate the effect of an investment loan with a couple of manual steps: - - Enter the loan and the investment separately: Input the loan as a liability (e.g. a personal loan or line of credit in the Debt section) and the borrowed money as added value in the investment asset. This reflects the increased investment and the debt on the balance sheet. But note, RazorPlan will not inherently “pay off” the loan using the investment, so the loan balance will persist unless you model payments. - Model interest-only or interest+principal payments: One approach is to include the loan’s interest payments as an extra expense. You can do this by adding a recurring Lifestyle Need equal to the interest (use the Lifestyle Needs drill-down to add a custom expense). This will reduce cash flow for loan interest. The loan principal, however, would still remain. - Simulate principal repayment (Advanced feature): If you want to show the loan being paid off from the investment, a workaround is available for Advanced users. You can create a Capital Need entry (in Step 1: Capital Needs) in the year of repayment, and specify the source of funding as the investment account. Essentially, you’re telling RazorPlan “in year X, withdraw $Y from the investment to cover a need” – that need being the loan payoff. This will cause the investment value to drop by that amount in that year, simulating a lump-sum loan repayment. Keep in mind these are manual modeling techniques. RazorPlan will not automatically tie the loan to the investment or stop the loan once “paid.” You’ll need to coordinate the entries. If this becomes too tricky, reach out to support for guidance. ### [How can I show a client purchasing a new car every few years (or other periodic expenses)?](#) You can model periodic large expenses in RazorPlan in a couple of ways: - - Quick method (any version): Use the Lifestyle Needs Drill-Down. In Step 1 (Personal Information) or Step 2 (Expenses), find the Lifestyle Needs section and open the drill-down. Here you can add specific one-time or periodic expenses in particular years. For example, you could enter a “Car Purchase” of $30,000 in 2025, another in 2030, etc. Each entry in the Lifestyle drill-down will increase the lifestyle spending in that year. This method is straightforward for occasional expenses. However, it doesn’t let you specify how that expense is funded – it assumes it’s funded like any other lifestyle need (by available cash flow or withdrawals if needed). - Advanced method (RazorPlan Advanced only): Utilize the Capital Needs feature. In Step 1: Capital Needs, you can add a capital expenditure and explicitly choose the source of funding for it. For instance, you could create a capital need called “New Car Purchase” of $30,000 in 2025, and indicate whether it’s to be funded by cash flow, new debt, or investment withdrawals. This approach is more precise – you can model taking a loan for the car or selling investments to buy the car. Note: You would need to create a separate capital need entry for each car purchase (each occurrence/year), as the software currently doesn’t allow setting a recurring multi-year interval for capital needs. Both methods will reflect the extra spending in the plan projections. The key difference is that Capital Needs (Advanced) gives control over funding sources, whereas the Lifestyle Needs drill-down simply adds to expenses in those years. ### [How does RazorPlan handle life insurance premiums in the cash flow? Can I specify what funds the premiums?](#) Personal (client-owned) insurance: By default, personal insurance premiums are treated as part of the client’s lifestyle expenses in RazorPlan. The software’s behavior depends on the Pre-Retirement Cash Flow setting in Your Account → Settings tabStep1: Lifestyle: – If Pre-Retirement Cash Flow is “ON”, all insurance premiums entered will automatically be added to Lifestyle Needs, and you cannot remove or separately fund them. Essentially, the program assumes premiums are paid out-of-pocket from available income/cash flow in the pre-retirement period. - - If Pre-Retirement Cash Flow is “OFF”, then the Data Entry interface will give you a choice. In Step 1: Lifestyle (Expenses) there is an option “Add Ins. Premiums to Lifestyle” – you can set this to “Yes” or “No.” – Yes: Premiums will be added to lifestyle expenses (same as the ON case). - – No: Premiums will not be counted in lifestyle needs, meaning the software will not explicitly deduct them from cash flow. (This could imply the premiums are paid from other resources outside the plan, or simply that you want to see the effect without double-counting since the Insurance module already accounts for them.) Importantly, RazorPlan will not automatically withdraw from investment assets to cover personal insurance premiums in pre-retirement years. If the client’s pre-retirement income isn’t sufficient and you want to model premiums being funded by investments, you would need to manually enter matching withdrawals (e.g. a Non-Registered Investment withdrawal entered via the drill-down in Step 3 for each premium payment). Otherwise, a shortfall caused by premiums will just show up as a cash flow deficit. Corporate (company-owned) insurance: For corporately-owned life insurance policies, RazorPlan assumes premiums are paid out of the corporation’s cash flow by default (i.e. from corporate income, not from personal cash flow or investments). However, in Step 4: Corporate Investments, there is a setting called “Fund Ins. Premiums”. If you set Fund Ins. Premiums = “YES”, then RazorPlan will fund the corporate policy premiums by withdrawing from corporate investment assets as needed. If it’s “NO”, the software leaves the premiums to be covered by corporate cash flow (and thus no investment withdrawals occur for premiums). In summary, personal policy premiums hit the personal lifestyle or require manual funding adjustments, and corporate policy premiums can be toggled to draw from corporate investments or not. If neither of these built-in solutions fits a unique scenario, a workaround is to exclude the premiums from the insurance input and instead manually add them as lifestyle expenses – but this approach can be cumbersome, so contacting support for complex cases is recommended. ### [How can I enter a withdrawal from the spouse’s RRSP/RRIF only (without withdrawing from the client’s RRSP)?](#) You can’t explicitly designate a withdrawal to come from only the spouse’s registered account in RazorPlan – the software uses a “family withdrawal” concept for retirement accounts. When you input an RRSP/RRIF withdrawal, RazorPlan will allocate the withdrawal proportionally between the client and spouse based on their respective account values. In practice, this means any withdrawal entered is taken from the combined RRSP/RRIF assets of the couple, not one individual’s account exclusively. If you need the spouse to withdraw funds while the client does not, one way to approximate this is: – Ensure the spouse has a much larger RRIF balance than the client (so the proportional split heavily favors the spouse), and then input the desired withdrawal. The split will allocate most of it to the spouse. – Alternatively, consider splitting the couple into two separate plans if you truly need to model withdrawals independently. (However, this loses the benefit of joint life expectancy and income-splitting calculations.) Within a joint plan, however, you cannot force a “spouse-only” RRIF withdrawal via a setting. The Withdrawal tab in the RRSP/RRIF drill-down (Step 3) is only on the client’s side and any amount entered there is assumed to come out of the combined pool. There is no separate withdrawal input for the spouse’s RRSP/RRIF, reflecting the integrated approach RazorPlan takes (especially given post-retirement income splitting rules). ### [How do I add an RESP (Registered Education Savings Plan) for a client’s child?](#) RESP assets are not part of the main Data Entry steps in RazorPlan. Instead, RESPs (and certain other specific goal-based plans) are handled through RazorPlan’s Applications feature. To add an RESP: 1. Go to the Applications screen by clicking the “Applications” button on the RazorPlan toolbar (within an open client file). 2\. In the Applications interface, find RESP Planner in the list of available applications. Click “Add” to add it to the client file\[45\]\[46\]. (Once added, it will appear under “Applications In Use.”) 3\. Open the RESP Planner by clicking “Open” next to it. This will allow you to enter details about the child (or children), planned contributions, education cost goals, etc., within the RESP planning module. The RESP Planner will calculate education funding needs, government grants, and projected RESP values independently from the main plan. Note that because RESPs are handled as a separate module, they won’t appear on the main net worth or asset list of the core RazorPlan output. They will, however, be detailed in the RESP application’s results and can be included in the report if you generate an RESP report. (In summary: you cannot input an RESP on the regular data entry screens; you must use the Applications area to handle it.) ### [How do I input corporate rental income or other corporate cash flows?](#) RazorPlan allows you to enter Corporate Assets (e.g. a corporation’s investment accounts) in the Corporate section, but it does not model ongoing corporate cash flows like rental income or corporate expenses in detail. There is no direct field for corporate rental property income. The philosophy is that such income, if retained in the corporation, would simply increase corporate assets over time – and those assets can be reflected by adjusting the corporate investment contributions or growth. If you have a corporation earning rental income and you want to incorporate it: – Do not enter a separate “rental income” in the plan (there’s no place to do so). – Instead, consider increasing the Corporate Investment Savings (contributions to corporate investments) by an amount equivalent to the annual net rental income. This effectively simulates the corporation investing its rental profits. Because corporate cash flow isn’t explicitly tracked, adding corporate rental income as an input would have no direct effect – so the best practice is to translate any ongoing corporate cash inflows into increased corporate asset growth or contributions in the plan. This way, the impact (higher corporate assets over time) is captured without needing a special income field. ### [How can I enter a charitable donation in the plan?](#) There is no dedicated input for charitable donations in RazorPlan’s data entry, and the software doesn’t directly handle the tax credit implications of charitable giving. However, if you want to show the effect of a large donation on the client’s finances, you can mimic it as a lump-sum expense: – Use the Lifestyle Needs drill-down to add a one-time expense in the year of the intended donation (or multiple entries if it’s a recurring annual gift). Label it “Charitable Donation” for clarity. This will reduce the client’s cash flow and assets accordingly in that year. Keep in mind, this workaround only reflects the cash outflow. It will not account for any tax credits or tax deductions that the donation might generate. Currently, RazorPlan doesn’t simulate the tax benefits of charitable contributions, so any potential tax savings would need to be considered outside the model or noted qualitatively to the client. In summary, you can show the reduction in net worth from the act of donating money (by adding an expense), but the software will not automatically adjust the taxes owed as it would in a full tax calculation of a real donation. **Analyse** ### [Pourquoi le « Mode de vie » que j'ai mis à 0 $ est remplacé par une valeur différente?](#) Si vous laissez le “Mode de vie actif” à 0 $ (ce qui signifie que le client indique initialement qu’il n’a pas d’objectif de dépenses précis pour sa retraite), RazorPlan calculera automatiquement un montant optimal de mode de vie au lieu d’accepter 0 $. Ce fonctionnement vise à prévenir les erreurs (un besoin de retraite de 0 $ peut fausser certains calculs) et à fournir un aperçu utile pour la planification. Essentiellement, le logiciel interprète 0 $ comme « non spécifié » et calcule ensuite le mode de vie maximal durable que les actifs et les revenus du plan peuvent soutenir sans pénurie. Le résultat est que 0 $ est remplacé par un montant positif, que vous pouvez considérer comme un objectif de dépenses de retraite suggéré pour le client en fonction de ses ressources. Cela aide les conseillers à discuter d’un mode de vie raisonnable avec les clients qui « ne savent pas de combien ils auront besoin » en retraite. Si vous voulez vraiment forcer une valeur de dépenses de retraite très basse, vous pourriez entrer un nombre minimal (comme 1 $) au lieu de 0 $, mais généralement, il est préférable de laisser RazorPlan suggérer un chiffre ou d’entrer le budget désiré du client. ### [Puis-je indiquer à RazorPlan de ne pas investir automatiquement les excédents de revenu en retraite (et plutôt faire en sorte que les revenus non nécessaires augmentent simplement les dépenses du mode de vie)?](#) Non – RazorPlan réinvestira toujours par défaut les revenus excédentaires à la retraite. À la retraite, si les revenus garantis du client (prestations gouvernementales, pensions, etc.) et les retraits excèdent ses besoins de vie au cours d’une année donnée, le logiciel suppose que les fonds excédentaires sont épargnés (réinvesti dans le portefeuille). Il n’existe pas de bouton permettant de désactiver cette option. La logique est intégrée : si un client ne dépense pas la totalité de ses revenus, ceux-ci restent dans sa succession. Si votre objectif est de montrer au client qu’il dépense cet excédent, la seule solution consiste à augmenter manuellement les valeurs de ses besoins de mode de vie à la retraite. Autrement dit, vous pourriez gonfler son objectif de mode de vie actif ou passif afin qu’il ne reste que peu ou pas d’excédent. Cela forcerait la projection à utiliser le revenu. Hormis l’ajustement du montant du mode de vie à la retraite, il n’existe aucune fonctionnalité permettant de réaffecter automatiquement l’excédent de revenu à des dépenses supplémentaires ; les calculs du programme supposent toujours qu’il est réinvesti dans des investissements. Pourquoi les besoins du mode de vie dans les résultats affichent-ils une valeur supérieure à celle que j’ai saisie ? Si vous constatez que les besoins liés au mode de vie projetés (dépenses) sont supérieurs au montant de base saisi, plusieurs explications sont possibles (le logiciel peut ajouter d’autres exigences au besoin de base): - Inflation : Tous les besoins du mode de vie augmentent automatiquement selon le taux d’inflation que vous avez défini. Ainsi, si vous avez saisi 50 000 $ comme besoin annuel et que l’inflation est de 2 %, le besoin lié au mode de vie affiché sera plus élevé les années suivantes (par exemple, environ 51 000 $ l’année prochaine, etc.). L’ajustement lié à l’inflation rendra les besoins des années suivantes plus importants que la valeur initiale, ce qui est normal. - Entrées détaillées : Vous pouvez saisir des dépenses supplémentaires via la section « Besoins du mode de vie » (pour des années spécifiques ou des besoins ponctuels). Ces dépenses détaillées s’ajoutent au chiffre principal « Mode du vie ». Par exemple, si vous avez ajouté des vacances de 10 000 $ une année donnée, le besoin lié au mode de vie de cette année dans la projection sera supérieur de 10 000 $ au besoin de base. - Ajouts « Flux de trésorerie avant la retraite » : Si le flux de trésorerie préretraite est allumé dans les paramètres, RazorPlan ajoutera automatiquement certaines dépenses aux besoins liés au mode de vie : notamment, les remboursements de dettes, les primes d’assurance et les cotisations d’épargne-investissement seront comptabilisés dans le mode de vie. Cela pourrait faire paraître le total des dépenses liées au mode de vie plus élevé, car ces dépenses sont incluses dans le chiffre du mode de vie. (Si le flux de trésorerie est désactivé, vous avez le contrôle ; vous pouvez choisir, lors de la saisie des données, d’inclure ou d’exclure ces éléments du mode de vie. Mais lorsqu’il est allumé, ils sont toujours inclus par défaut.) En résumé, le rapport « Besoins du mode de vie » est exhaustif. Il prend en compte vos besoins de base, puis, chaque année, la croissance de l’inflation et les obligations ou dépenses discrétionnaires supplémentaires connues du logiciel. Si le chiffre vous semble anormalement élevé, vérifiez les facteurs ci-dessus. Vous pouvez consulter le rapport détaillé « Mode de vie » ou les détails pour connaître la composition du montant total du mode de vie pour une année donnée. Ajuster les paramètres (par exemple, désactiver les flux de trésorerie pour contrôler manuellement ce qui est inclus) peut également vous apporter plus de précision si nécessaire. ### [Comment puis-je modéliser le remboursement d'une hypothèque (prêt restant sur une propriété) dans le plan? ](#) RazorPlan ne propose pas d’action pour « rembourser un prêt hypothécaire », mais vous pouvez simuler un remboursement hypothécaire en utilisant quelques étapes de saisie de données comme solution de contournement: Imaginons que le client possède une maison avec un prêt hypothécaire restant de 100 000 $ et qu’il souhaite la rembourser en cinq ans grâce à des investissements. Voici ce que vous pouvez faire pendant cette année de remboursement: - Liquidation d’une partie du bien – Dans les « Actifs personnels » Accédez à la section « Immobilier » et saisissez une liquidation immobilière pour l’année où vous souhaitez rembourser l’hypothèque. Saisissez un montant égal au solde restant dû (par exemple, 100 000 $) \[61\]. Dans RazorPlan, lorsque vous liquidez une partie d’un bien immobilier, le produit de la vente sert d’abord à rembourser l’hypothèque restante sur ce bien \[61\]. En liquidant 100 000 $, vous indiquez au logiciel « Vendez 100 000 $ de la maison », ce qui permet de rembourser automatiquement l’hypothèque de 100 000 $ (ramenant le solde à zéro). Par conséquent, la valeur de la propriété dans le plan diminue car nous en avons vendu une partie. - Racheter la propriété via un « Besoin en Capitaux » – Pour compenser la baisse de valeur de la propriété (puisque le client ne vend pas la maison, mais rembourse simplement son prêt hypothécaire), vous ajoutez immédiatement un besoin en capitaux du même montant cette année-là pour représenter le rachat de la partie de la maison. Concrètement, vous réinjectez 100 000 $ dans la propriété. Lors de la création du besoin en capitaux, sélectionnez la source de financement ; par exemple, choisissez le compte Placements non enregistrés si vous prévoyez utiliser des placements pour financer le remboursement. RazorPlan prélèvera alors 100 000 $ de cet investissement cette année-là et les affectera à la propriété, rétablissant ainsi la valeur de la maison. Après ces deux étapes, l’effet net est le suivant : – L’hypothèque est remboursée. – La valeur de la maison se retrouve la même qu’auparavant (100 000 $ vendus, puis 100 000 $ réinjectés). – Le compte d’investissement choisi est inférieur de 100 000 $ (puisque ces liquidités ont servi à payer l’hypothèque). Vous avez ainsi modélisé un remboursement hypothécaire forfaitaire à l’aide d’un investissement. La valeur nette du client reflétera cette transaction (diminution de l’investissement, élimination de la dette, augmentation de la valeur nette de la propriété). Cette solution de contournement est un peu complexe, mais elle illustre bien la stratégie consistant à utiliser des actifs pour régler un passif. (Si l’idée de « liquider et de rajouter » une partie d’une propriété vous semble confuse, rappelez-vous qu’il s’agit simplement d’une technique pour forcer le remboursement. RazorPlan voit une vente partielle de la propriété et l’applique automatiquement à la dette. Nous corrigeons ensuite la valeur de la propriété en injectant des fonds, ce qui représente le client remboursant l’hypothèque avec des capitaux externes.) **Rapports** ### [Quels types de rapports RazorPlan peut-il générer, et comment créer un rapport client?](#) RazorPlan peut produire plusieurs types de rapports pour présenter le plan à vos clients. Les principaux formats de rapports sont accessibles via le bouton « Rapports » dans la barre d’outils lorsque vous avez un dossier client ouvert. Lorsque vous cliquez sur « Rapports », cela ouvre la fenêtre de génération de rapports, où vous pouvez choisir parmi trois options principales: - **Rapport complet**: Un rapport de plan financier complet. Le rapport complet est personnalisable – il inclut plusieurs sections de documents (le bilan, le flux de trésorerie, l’analyse d’assurance, etc.) et vous pouvez sélectionner les sections à inclure. Par défaut, il peut inclure tout : un résumé exécutif, des analyses détaillées et même les résultats de toutes les applications utilisées (comme les sorties du planificateur de budget, les REER, etc.). Le rapport complet est idéal pour la remise d’un plan complet. Vous avez la possibilité de cocher ou de décocher des documents particuliers dans ce rapport avant de le générer. - **Rapport sur le Seuil de retraite**: Un rapport axé sur les indicateurs de planification de la retraite. Cette option est plus simple et ne contient qu’une seule catégorie principale de documents (principalement liée au revenu de retraite et à la faisabilité des objectifs). Il est utile pour fournir à un client un aperçu rapide de ses revenus de retraite, par exemple le revenu qu’il peut supporter ou le déficit/excédent par rapport à ses objectifs. - **Rapport de planification ciblée: Il s’agit d’un rapport comparatif pour l’analyse de scénarios. Au lieu d’inclure tous les documents, vous choisissez deux scénarios – généralement le scénario de référence (plan actuel) et un scénario amélioré – et un rapport comparatif est généré. Le rapport sélectionne automatiquement les graphiques/tableaux de comparaison pertinents et ne permet pas de sélectionner des sections individuelles; il est préconfiguré pour afficher côte à côte les deux scénarios choisis. C’est idéal pour présenter un résultat « Option A » ou « Option B » (par exemple, prendre sa retraite à 65 ans ou prendre sa retraite à 60 ans, ou planifier avec assurance ou sans assurance, etc.).** Pour créer un rapport: 1. Ouvrez le dossier client et cliquez sur « Rapport » dans la barre d’outils en haut. 2. Dans la fenêtre « Rapport », sélectionnez le type de rapport (complet, seuil de retraite ou planification ciblée). 3. Si vous avez sélectionné « Complet » ou « Seuil de Retraite », cochez les documents ou analyses spécifiques que vous souhaitez inclure (ou choisissez « Tout sélectionner » pour inclure tous les éléments). Si vous avez choisi « Planification Ciblée », sélectionnez les deux scénarios à comparer. 4. Cliquez sur « Générer ». RazorPlan compilera le rapport PDF en fonction de vos sélections. Une fois généré, vous pouvez le visualiser à l’écran, l’enregistrer ou l’imprimer. Tous les rapports sont générés sous forme de documents PDF, que vous pouvez fournir à votre client. Vous pouvez créer des rapports à tout moment ; il est souvent judicieux de générer un rapport complet pour vos archives ou pour la conformité après avoir saisi les données, et un rapport ciblé lorsque vous comparez des alternatives stratégiques. ### [Puis-je personnaliser la page de couverture du rapport, le titre, ou ajouter ma propre image de marque (logo/clause de non-responsabilité)?](#) Oui. RazorPlan vous permet de personnaliser divers éléments du rapport pour refléter votre image de marque et vos exigences de conformité. Dans la fenêtre « Votre compte », il y a un onglet « Paramètres des rapports » où vous pouvez télécharger des images et modifier les titres/avertissements: - **Logo**: Vous pouvez télécharger un logo personnalisé pour votre rapport (par exemple, le logo de votre entreprise). Ce logo apparaîtra sur la page de titre de tous les rapports et, si vous l’utilisez, dans Razor Leads (l’outil client). Si vous ne téléchargez pas de logo, le logo par défaut de RazorPlan sera utilisé. - **Image de couverture**: Vous pouvez ajouter une image de couverture de rapport. Il peut s’agir d’une image pleine page ou d’une bannière apparaissant sur la première page du rapport, selon le modèle. Elle peut servir à renforcer l’image de marque ou l’esthétique du rapport. - **Titre du rapport**: Il y a un champ qui vous permet de définir un titre personnalisé pour vos rapports (p. ex. « Plan financier de la famille Smith » ou « Analyse de la retraite »). Par défaut, RazorPlan peut l’intituler « Plan financier » ou quelque chose de similaire, mais vous pouvez le remplacer par le titre de votre choix. - **Avis de non-responsabilité**: Pour des raisons de conformité, vous pouvez modifier le texte de l’avis de non-responsabilité qui apparaît dans le pied de page du rapport ou dans une section du rapport. De nombreuses entreprises exigent une formulation précise ; vous pouvez donc coller ici l’avertissement de conformité requis. Il existe des champs distincts pour les avis de non-responsabilité en anglais et celui en français, ce qui vous permet de conserver un contenu bilingue au besoin. Pour personnaliser ces éléments, allez à « Votre compte » > Paramètres du rapport, puis importez/sélectionnez les images et saisissez le texte requis. Après l’enregistrement, chaque nouveau rapport généré comprendra votre logo, votre couverture, votre titre et votre clause de non-responsabilité personnalisés. Cela garantit que vos rapports sont produits en marque blanche pour votre pratique et qu’ils respectent les exigences de conformité imposées par votre firme ou l’organisme de réglementation. (Remarque: d’autres aspects du formatage du rapport sont fixés au modèle de RazorPlan. Vous pouvez choisir les sections à inclure (comme mentionné ci-dessus), mais le style et la mise en page sont standardisés en dehors des éléments personnalisés que vous fournissez.) **Implémentation et Collaboration** ### [Comment puis-je partager un fichier client avec un autre utilisateur de RazorPlan, et comment puis-je révoquer leur accès plus tard? ](#) La fonctionnalité de partage de fichiers de RazorPlan vous permet de collaborer avec d’autres conseillers en leur donnant accès à l’un de vos dossiers clients. Pour partager un fichier avec un autre utilisateur: - 1 – Activer le partage sur les deux comptes : Tout d’abord, vous (le propriétaire du fichier) et l’autre conseiller devez activer le partage sur vos comptes. Par défaut, le partage est désactivé pour tous les utilisateurs. Pour l’activer, ouvrez « Votre compte » et, dans l’onglet « Paramètres », activez « Partage de fichiers ». Une fois activé, un bouton (icône) « Partager » apparaîtra dans la barre d’outils de votre RazorPlan, dans les fichiers clients. - 2 – Lancer le partage : Ouvrez le dossier client à partager et cliquez sur le bouton « Partager » dans la barre d’outils. Dans la boîte de dialogue de partage, saisissez l’adresse courriel de l’autre conseiller (celle associée à son compte RazorPlan) et cliquez sur « Ajouter ». Pour lui donner accès à tous les dossiers clients de votre base de données, cochez « Partager tous les plans avec cet utilisateur » avant de cliquer sur « Ajouter ». Sinon, laissez cette case décochée pour partager uniquement le dossier actuel. - 3 – Accès accordé : L’autre utilisateur sera ajouté à la liste des conseillers partagés pour ce dossier. Il verra alors ce dossier client sous son compte et pourra l’ouvrir de son côté. Les utilisateurs partagés peuvent consulter et modifier les données client, exécuter des scénarios et imprimer des rapports, ce qui revient à planifier conjointement le même dossier. Cependant, ils ne peuvent pas supprimer le dossier client (seul le propriétaire peut le supprimer). Remarque : Un seul utilisateur peut ouvrir un dossier partagé à la fois ; si vous tentez tous les deux de le modifier simultanément, vous recevrez une notification ; vous devrez effectuer les modifications à tour de rôle. Supprimer l’accès (annulation du partage) : Si vous décidez de révoquer l’accès de l’autre conseiller à votre dossier, vous (en tant que propriétaire) pouvez supprimer le partage. Retournez à la boîte de dialogue Partager (bouton Partager du dossier client) où l’utilisateur partagé est répertorié. Cliquez sur « Modifier » (ou sur les options) à côté du nom de cet utilisateur et choisissez « Supprimer le partage ». Enregistrez ou confirmez ; cet utilisateur ne pourra plus ouvrir votre dossier client. (Son nom disparaîtra de la liste partagée.) Si un fichier a été partagé avec lui, il disparaîtra également de sa liste de clients une fois supprimé. Alternativement, si vous êtes la personne avec qui le fichier de quelqu’un d’autre a été partagé et que vous n’en avez plus besoin, vous pouvez le supprimer en supprimant simplement ce fichier de votre liste de clients – cela supprime uniquement le lien partagé de votre côté et ne supprime pas le fichier réel pour le propriétaire ou les autres utilisateurs partagés. Le partage est un puissant outil de collaboration : il offre un accès complet aux données, donc partagez-les uniquement avec des collègues de confiance. Pour désactiver tous les partages d’un coup, vous pouvez désactiver le partage de fichiers dans les paramètres de votre compte, ce qui coupera tous les liens de partage de votre compte (entrants et sortants). ### [Au lieu de partager tout le fichier, puis-je envoyer seulement un scénario à un autre conseiller? ](#) Oui. RazorPlan propose une option de transfert de scénario, une alternative plus légère au partage de fichiers complet. Lorsque vous transférez un scénario, vous envoyez une copie de ses données à un autre utilisateur, sans lui accorder un accès partagé permanent. Cette option est utile si vous souhaitez obtenir un deuxième avis ou confier la révision d’un scénario à quelqu’un sans risquer de modifier votre fichier client initial. Pour transférer un scénario, ouvrez le dossier client et accédez au scénario que vous souhaitez partager (par exemple, un scénario de retraite alternatif). Dans la boîte de dialogue de gestion ou de partage des scénarios, sélectionnez l’option « Transférer le scénario » et saisissez l’adresse courriel de l’autre conseiller. Ce dernier recevra ce scénario comme nouveau dossier client (souvent marqué comme plan transféré). Les principales différences entre la transmission et le partage sont les suivantes : – La transmission envoie une copie déconnectée du scénario. L’autre conseiller peut le modifier librement, mais ces modifications ne seront pas répercutées sur votre plan (et inversement). Il s’agit essentiellement d’un instantané. – Le partage est une collaboration en direct sur le même fichier : toutes les modifications apportées sont directement appliquées à votre fichier. Le transfert garantit que vos données d’origine ne risquent pas d’être modifiées ou supprimées par l’autre utilisateur. C’est une option plus sûre lorsque vous souhaitez uniquement partager le résultat d’un scénario spécifique. Pour utiliser le transfert de scénario, le partage de fichiers doit être activé sur les comptes des deux parties. Une fois le scénario transféré, le destinataire peut le consulter et le tester comme un plan indépendant sur son compte. Si nécessaire, il pourra le transférer ultérieurement ou partager des informations sans jamais modifier votre entrée client d’origine. ### [Puis-je ajouter les calculateurs financiers de RazorPlan (par exemple, les widgets de risque ou de retraite) à mon propre site Web? ](#) Oui. RazorPlan propose des calculateurs financiers intégrables à votre site web personnel pour interagir avec vos clients/prospects. Ces outils font partie intégrante de l’offre RazorPlan. Pour des instructions détaillées, consultez le guide en ligne de RazorPlan sur l’intégration de calculateurs. En général, le processus consiste à générer un extrait de code HTML ou un lien unique depuis votre compte RazorPlan (souvent disponible dans la section « Prospects Razor » ou « Calculateur »), puis à ajouter ce code à votre site web. Les calculateurs sont personnalisés avec vos informations (elles afficheront votre image de profil et votre logo tels que définis dans votre compte RazorPlan) et permettent aux visiteurs d’exécuter un calcul de revenu de retraite de base, une analyse des besoins d’assurance, etc. Une fois que l’utilisateur interagit avec le calculateur, il a la possibilité de vous contacter ou de demander un plan complet, servant ainsi d’outil de génération de leads. N’oubliez pas que vous pourriez avoir besoin d’aide en développement web pour intégrer le code à votre site. Le site d’assistance RazorPlan vous guide pas à pas. C’est un excellent moyen d’exploiter RazorPlan au-delà de son utilisation en cabinet, en le transformant en outil marketing sur le site web de votre conseiller. **Conformité et sécurité des données** ### [Comment puis-je personnaliser ou ajouter des avertissements de conformité aux rapports de plan (y compris des avertissements bilingues)? ](#) La personnalisation des clauses de non-responsabilité s’effectue via les paramètres du rapport, dans la fenêtre « Votre compte ». Vous y trouverez des champs pour saisir votre propre texte de conformité. RazorPlan propose deux champs de clause de non-responsabilité : un pour l’anglais et un pour le français. Vous pouvez les utiliser pour inclure tout texte requis (par exemple, une clause de non-responsabilité indiquant que les projections ne constituent pas des garanties, ou la déclaration de conformité de votre entreprise). Si vous produisez des rapports bilingues, remplissez les deux champs (clause de non-responsabilité en anglais et en français). Si vous n’avez besoin que d’une seule langue, vous pouvez utiliser uniquement le champ en anglais. Lorsque vous générez un rapport, l’avertissement personnalisé que vous avez fourni apparaîtra sur celui-ci (généralement sur la couverture ou en pied de page de chaque page, selon le format du rapport). Cela garantit la conformité de vos rapports. Outre les avertissements, vous pouvez également inclure vos informations de licence (par exemple, Fonds communs de placement fournis par ABC Dealer) dans le champ « Avertissement » si votre service de conformité l’exige. N’oubliez pas de mettre à jour le titre et l’image de marque (logo/couverture) de votre rapport dans la même section de paramètres, afin que l’ensemble du rapport soit professionnel et conforme aux directives de votre entreprise. Une fois configurés, ces paramètres s’appliqueront à tous les rapports que vous générerez ultérieurement. ### [Où se trouvent tous mes fichiers, et puis-je les sauvegarder ou les exporter en dehors de RazorPlan? ](#) Toutes les données clients de RazorPlan sont stockées en toute sécurité sur des serveurs infonuagiques situés au Canada. Pour plus de protection, il n’existe pas d’option locale « Enregistrer sous » permettant d’exporter les fichiers clients bruts du système. Cela signifie que vous n’avez pas à gérer les fichiers locaux ni les sauvegardes ; RazorPlan maintient les données sur ses serveurs. (Cela implique également que si vous supprimez un fichier client dans RazorPlan, il est définitivement supprimé – vous ne pouvez pas récupérer une copie locale, puisque celle-ci n’a jamais existé. Consultez la section suivante sur le dépannage concernant les fichiers supprimés.) Pour des raisons de conformité et de sécurité des données, cette configuration garantit que toutes les informations client sont conservées dans un système contrôlé. Les données sont sauvegardées et protégées par l’infrastructure de RazorPlan. Si vous avez besoin d’une sauvegarde physique ou d’un enregistrement à des fins de conformité, il est recommandé d’imprimer un rapport complet au format PDF pour le dossier client et de l’enregistrer dans vos archives. Ce rapport complet contiendra toutes les données d’entrée et les résultats d’analyse, ce qui répond aux exigences de tenue de registres. Cependant, le dossier client interactif réside sur les serveurs de RazorPlan et n’est accessible qu’en vous connectant à votre compte. En résumé : vous ne pouvez pas télécharger un fichier client modifiable sur votre ordinateur ; tout le travail reste dans l’environnement infonuagique. Privilégiez les fonctions de partage ou de transfert internes de RazorPlan pour collaborer, plutôt que rechercher une fonction d’exportation. Utilisez également les rapports imprimés comme archives hors ligne. (Remarque : cela signifie également que vous pouvez vous connecter depuis n’importe quel appareil et que vos fichiers clients y seront conservés, car rien n’est lié à une machine locale.) **Dépannage et assistance** ### [Mon rapport imprimé porte la mention « ESSAI ». Comment puis-je supprimer le filigrane?](#) Le filigrane « ESSAI » apparaît car le plan a été créé avec un compte d’essai gratuit. Ce filigrane est automatiquement appliqué à tous les rapports générés pendant la période d’essai de 30 jours. Pour supprimer le filigrane « ESSAI », vous devez activer un abonnement à RazorPlan. Une fois l’abonnement (RazorPlan Standard ou Avancé, mensuel ou annuel) souscrit, le filigrane disparaîtra des nouveaux rapports. Malheureusement, vous ne pouvez pas supprimer le filigrane des rapports déjà générés pendant la période d’essai. Vous devrez les régénérer après la mise à niveau de votre compte vers un abonnement complet. Si vous êtes toujours en période d’essai et devez présenter un forfait à un client, sachez que le filigrane restera présent jusqu’à votre abonnement. En bref : la solution est de s’abonner à RazorPlan ; le filigrane est la seule différence fonctionnelle entre la version d’essai et la version payante (hormis quelques limitations mineures). Après l’abonnement, réimprimez le rapport et il sera propre. ### [Puis-je récupérer un fichier client supprimé? ](#) Non, une fois qu’un fichier a été supprimé dans RazorPlan, il est irrécupérable. La suppression est définitive. Il n’existe aucune fonction d’annulation ni de corbeille pour les fichiers clients, et l’assistance RazorPlan ne peut pas non plus restaurer un fichier supprimé. Soyez donc très prudent lorsque vous supprimez un plan. Ne supprimez que les fichiers dont vous êtes certain de ne plus avoir besoin. Pour des raisons de conformité ou de conservation des archives, il est préférable de conserver les fichiers plutôt que de les supprimer, ou au moins de télécharger un rapport complet au format PDF avant de supprimer un client du système. Si un fichier a été partagé avec vous par un autre utilisateur et que vous l’avez supprimé (comme décrit dans la section Implémentation), cela a uniquement supprimé votre accès ; le fichier d’origine est toujours chez son propriétaire. Dans ce cas, vous pouvez demander au propriétaire de le partager à nouveau si nécessaire. En revanche, si vous étiez le propriétaire et que vous l’avez supprimé, il a disparu. Vous devrez recréer le fichier client si vous en avez encore besoin. ### [Comment puis-je contacter l’assistance RazorPlan si j’ai un problème ou une question?](#) L’assistance RazorPlan est disponible par courriel. Dans le logiciel, cliquez sur le bouton « Assistance » pour afficher le courriel (support@razorplan.com) et le numéro de téléphone de l’assistance. Pour obtenir de l’aide, nous vous recommandons d’envoyer un courriel à support@razorplan.com avec votre question ou votre problème. Veuillez fournir autant de détails que possible (y compris le courriel de votre compte) afin que nous puissions vous aider. L’assistance téléphonique n’est pas disponible à la demande et il n’est pas possible de prendre rendez-vous directement avec l’assistance RazorPlan. Si vous leur envoyez un courriel et que le problème justifie une discussion téléphonique, l’équipe d’assistance peut organiser un appel. Elle répond généralement par courriel avec des réponses ou des instructions de dépannage. La fenêtre d’assistance de RazorPlan propose également un lien vers le guide d’utilisation et d’autres ressources, qui peuvent répondre à de nombreuses questions courantes. Pour une aide rapide, envoyez un courriel au support. Ils sont très réactifs et répondront à votre question ou prendront rendez-vous pour en discuter si nécessaire. Une communauté d’utilisateurs et une FAQ (comme ce document) peuvent également vous aider pour les procédures et les problèmes courants. --- ### [Planning as a Concept](https://razorplan.com/fpconcept/) **Published:** July 30, 2025 **Author:** lorenzo noventa **Content:** # Planning as a **Concept** [Click here to download your guide](/wp-content/uploads/2018/11/Razor-PlanningAsAConcept-eBook.pdf)How to Use Focused Planning to Create Value Over Product and Increase Sales. ## **What is the Essential Decumulation Toolkit** For most clients, retirement planning is about the accumulation of RRSP, TFSA and other investments so they will have the money they need to enjoy retirement. This phase of retirement planning has traditionally focused on strategies involving asset allocation, risk management and tax efficiency, with the goal of improving returns. However upon retirement, planning must shift from saving (accumulation) to spending (decumulation). Decumulation planning refers to the strategic spending of assets to achieve various retirement goals. It’s much more complex than accumulation planning because you now must help clients decide how much and in what order they will spend the different assets they have accumulated, and when to apply for CPP and OAS benefits. Get it wrong, and it could cost your clients hundreds of thousands in lost wealth over their lifetime. ## **What’s inside?** - Identifies the **problem** with traditional financial product sales concepts. - Introduction to **Planning as a Concept** and how to use Focused Planning. - How to create **Value over Product**. - Using **six core competencies** of financial planning. - Outlines actionable strategies for demonstrating the **value of your advice.** - Shows the benefits of combining **Behavioral Coaching** and **Strategic Management** with financial products. ## **Take a sneak peek inside this guide** ![Planning as a Concept - cover](https://razorplan.com/wp-content/uploads/2025/08/PAAC1-845x678-1.jpg) ![Insurance sales concepts](https://razorplan.com/wp-content/uploads/2025/08/PAAC2-845x684-1.jpg) ![Razorplan financial planning scenarios](https://razorplan.com/wp-content/uploads/2025/08/PAAC3-845x684-1.jpg) ![Investment Management concepts](https://razorplan.com/wp-content/uploads/2025/08/PAAC4-845x684-1.jpg) ![Value of Advice - Projected return in Income Tax Paid](https://razorplan.com/wp-content/uploads/2025/08/PAAC5-845x673-1.jpg) [Download the e-book](/wp-content/uploads/2018/11/Razor-PlanningAsAConcept-eBook.pdf) ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) --- ### [Thank you for signing up for the trial period (FR)](https://razorplan.com/fr/thank-you-fr/) **Published:** September 8, 2025 **Author:** leo **Content:** Inscrivezvous pour une démo # **Merci!** Votre demande d’essai est en cours d’examen. ## Connecter et engager Grâce à l’outil RazorLeads, intégré à RazorPlan, vos clients peuvent saisir des données initiales et déterminer leur revenu potentiel à la retraite. Ces données sont ensuite automatiquement utilisées pour lancer le processus d’analyse et de planification. ## Analyser la situation Les algorithmes de RazorPlan effectuent pour vous des calculs intuitifs, vous permettant d’analyser rapidement les besoins financiers et de gestion des risques d’un client, tout en l’aidant à comprendre l’importance de vos recommandations. ## Présenter les résultats Choisissez parmi plusieurs rapports clients, chacun offrant une approche différente pour présenter l’analyse. Selon le type et la portée de l’échange avec le client, vous pouvez imprimer le rapport qui correspond le mieux à sa situation. --- ### [Razor Academy: Overview](https://razorplan.com/razor-academy/) **Published:** August 12, 2025 **Author:** lorenzo noventa **Content:** # Razor **Academy** Learn RazorPlan using case studies Learn through interactive case studies and sample client files when it’s most convenient for you. Razor Academy allows you to advance your knowledge of the software to serve your clients better and ensure they reach their financial goals. ![Razorplan UI](https://razorplan.com/wp-content/uploads/2025/08/RZP-ACADEMY-OVERVIEW-1.png) ![Razorplan UI](https://razorplan.com/wp-content/uploads/2025/08/RZP-ACADEMY-OVERVIEW-2.png) Razor Academy includes a library of client situations and concepts focused on advancing your abilities within the software. Each case focuses on an individual concept or feature within RazorPlan. Stay up-to-date with new features in the software and identify new ways to leverage RazorPlan calculations and controls by working through and completing each of the available case files. ## **How to use Razor Academy** - Identifies the **problem** with traditional financial product sales concepts. - Introduction to **Planning as a Concept** and how to use Focused Planning. - How to create **Value over Product**. This window also displays the date the file was downloaded, allowing you to distinguish between case files that you’ve completed versus ones you haven’t. ## **Viewing a Razor Academy Case Outline** Click “View Case” to load any of the available case outlines. When selected, the case outline will open in a new tab in your browser. Follow along with the loaded case outline, including the steps listed in the “How To Build with RazorPlan” section. ## **Downloading a RazorPlan Academy Case File** To download a Razor Academy case file for use in your RazorPlan account, simply highlight the case and click “Download”. The file will download to your RazorPlan account and automatically load. Once downloaded, a copy of the RazorPlan Academy case file will be available in your list of client files. You can redownload a new copy at any time by downloading it again from the Razor Academy window on the RazorPlan home screen. ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Get started** with **Assess** their needs. **Razor Academy** by singing into **Razorplan** now. [Get started](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN) --- ### [Razor Academy: Overview - Razor Académie](https://razorplan.com/fr/razor-academie/) **Published:** September 1, 2025 **Author:** leo **Content:** # Razor **Académie** Apprendre RazorPlan à l’aide d’études de cas Apprenez à travers des études de cas interactives et des exemples de dossiers clients quand cela vous convient le mieux. Razor Academy vous permet de faire progresser vos connaissances du logiciel pour mieux servir vos clients et vous assurer qu’ils atteignent leurs objectifs financiers. ![Razorplan UI](https://razorplan.com/wp-content/uploads/2025/08/RZP-ACADEMY-OVERVIEW-1.png) ![Razorplan UI](https://razorplan.com/wp-content/uploads/2025/08/RZP-ACADEMY-OVERVIEW-2.png) Razor Academy comprend une bibliothèque de situations et de concepts clients axés sur l’avancement de vos capacités au sein du logiciel. Chaque cas se concentre sur un concept ou une fonctionnalité individuelle dans RazorPlan. Restez au courant des nouvelles fonctionnalités du logiciel et identifiez de nouvelles façons d’exploiter les calculs et contrôles RazorPlan en travaillant et en complétant chacun des dossiers disponibles. ## **Comment utiliser Razor Academy** - Identifie le **problème** avec les concepts traditionnels de vente de produits financiers. - Introduction à la **planification en tant que concept** et comment utiliser la planification ciblée. - Comment créer de **la valeur par rapport au produit**. Cette fenêtre affiche également la date à laquelle le fichier a été téléchargé, ce qui vous permet de distinguer les dossiers que vous avez complétés de ceux que vous n’avez pas. ## **Voir un plan de cas de l’Académie Razor** Cliquez sur « Voir le cas » pour charger l’un des plans de cas disponibles. Une fois sélectionné, le plan de cas s’ouvrira dans un nouvel onglet de votre navigateur. Suivez le plan du cas chargé, y compris les étapes répertoriées dans la section « Comment construire avec RazorPlan ». ## **Téléchargement d’un dossier RazorPlan Academy** Pour télécharger un fichier de cas Razor Academy à utiliser dans votre compte RazorPlan, il suffit de sélectionner le cas et de cliquer sur « Télécharger ». Le fichier sera téléchargé sur votre compte RazorPlan et se chargera automatiquement. Une fois téléchargé, une copie du dossier de l’affaire RazorPlan Academy sera disponible dans votre liste de dossiers clients. Vous pouvez retélécharger une nouvelle copie à tout moment en la téléchargeant à nouveau depuis la fenêtre de Razor Academy sur l’écran d’accueil de RazorPlan. ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Get started** with **Assess** their needs. **Razor Academy** by singing into **Razorplan** now. [Get started](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=fr-CA&appInfo=PlanWebsite_FR%20) --- ### [FAQ](https://razorplan.com/faq/) **Published:** September 4, 2025 **Author:** lorenzo noventa **Content:** HOW-TO & FAQ # **FAQs** – Frequently Asked Questions - [Getting Started](#tab_6ad2b38708933) - [Account & Access](#tab_6ad2b38708937) - [Data Entry & Inputting Client Information](#tab_6ad2b38708939) - [Analysis](#tab_6ad2b3870893a) - [Reporting](#tab_6ad2b3870893b) - [Implementation & Collaboration](#tab_6ad2b3870893c) - [Compliance & Data Security](#tab_6ad2b3870893e) - [Troubleshooting & Support](#tab_6ad2b3870893f) **Getting Started** ### [How can I try out RazorPlan? Is there a free trial available?](#) Yes. RazorPlan offers a 30-day **Free Trial** for new users. The free trial provides access to all areas of the software (Standard or Advanced versions) with only a few limitations (e.g. restricted Insurance Illustration importing, Razor Leads, and file sharing). All reports printed during the trial will include a **“TRIAL” watermark**. After 30 days, you can subscribe to continue using RazorPlan without these trial limitations. ### [What is RazorPlan, and who is it designed for?](#) RazorPlan is a web-based financial planning software designed for Canadian financial planners. It uses key client information and innovative algorithms to automatically perform intuitive calculations, helping advisors quickly analyze a client’s financial needs and demonstrate the value of their advice. RazorPlan can generate multiple types of reports for different planning situations (from quick annual reviews to comprehensive financial plans). It also allows building scenarios to compare the effects of different strategies on savings, net worth, taxes, and estate outcomes. ### [What are the differences between RazorPlan Standard, RazorPlan Advanced, and RazorPlan with Decumulation?](#) **RazorPlan Standard vs. Advanced**: The Advanced subscription includes all features of Standard **plus additional planning capabilities**. For example, RazorPlan Advanced unlocks certain data entry sections and tools not available in Standard, such as **Capital Needs analysis, Life Insurance planning, and Variable Rates of Return** modeling. In essence, Standard users have a streamlined feature set, whereas Advanced users gain access to **all data entry** areas and advanced planning features (e.g. corporate planning and detailed insurance modules). You can upgrade from Standard to Advanced at any time (see **Account & Access** section below). **RazorPlan with Decumulation**: This refers to a version of RazorPlan that **includes the Decumulation Optimizer tool**. The Decumulation Optimizer is an advanced module for retirement decumulation planning (helping optimize withdrawal strategies – see **Advanced Features** section). If you subscribe to “RazorPlan with Decumulation,” your software will have an extra Decumulation feature enabled; otherwise, the Decumulation Optimizer is not accessible in the regular RazorPlan version. ### [How can I get a demo or training for RazorPlan?](#) We host regular group demonstration webinars where you can see RazorPlan in action. Visit RazorPlan’s official site (Demonstration page) to sign up for a group demo session. Additionally, RazorPlan provides a **Getting Started Tutorial** (video) and a library of case studies called **Razor Academy** within the app to help new users learn the software. These resources allow you to self-educate on how to use RazorPlan effectively. **Account & Access** ### [How do I upgrade from RazorPlan Standard to RazorPlan Advanced?](#) Upgrading to Advanced is straightforward. In the Your Account settings, use the “Upgrade Today” option to change your subscription to RazorPlan Advanced. Upgrading will immediately add the Advanced features to your account (e.g. unlocking the Life Insurance data entry section and other advanced modules). When you upgrade, the system automatically pro-rates your billing: any unused portion of your current Standard subscription is credited toward the Advanced subscription cost. Tip: You can find the upgrade button under the Billing tab of the Your Account window, and any applicable refund for the remaining time is calculated automatically. ### [How can I add the Decumulation Optimizer to my subscription?](#) The Decumulation Optimizer is available via the “RazorPlan with Decumulation” version of the software. If you initially subscribed without Decumulation, you cannot enable this feature yourself through the interface. To add Decumulation to your current subscription, you will need to contact RazorPlan support and request an upgrade to the Decumulation version. The support team will assist in upgrading your account so that the Decumulation Optimizer feature becomes available. ### [How can I update my account name or email address?](#) For security and licensing reasons, you cannot directly change the registered name or email on your RazorPlan account via the interface. These fields are locked. If you require an update (for example, due to a name change or if you need to transfer the account to a different email), please contact RazorPlan support for assistance. The support team can update your account name or email on the backend as needed. ### [How do I update my credit card or billing information for my subscription?](#) Because of how RazorPlan’s subscription billing system works, you cannot simply edit the credit card on file without triggering a payment charge. To update your card, the recommended approach is to do so close to your next renewal date. When you enter new payment information, the system will immediately charge the subscription and reset the billing cycle. (Don’t worry – if you renew early, you won’t lose any prepaid time. Any new payment will extend your subscription from the current expiry date, not double-bill you). In short, to avoid overlapping payments, update your credit card just before a renewal, or be aware that an update will result in an immediate renewal charge. ### [What should I do if I forgot my password?](#) If you forget your RazorPlan password, use the “Forgot Password” link on the login page. Enter your registered email, and RazorPlan will send a password reset link or temporary password to that email. (If you don’t receive the reset email, check spam/junk folders or contact support.) After logging in with the temporary credentials, you can create a new password via the Your Account window’s Password tab. (Note: You can also proactively set up a security question/answer in the Your Account settings, which can help in account recovery.) To change your password, open the Your Account window and navigate to the Password tab. There you can enter your current password and a new password (with confirmation) to update it. Similarly, you can set or update your security question on the Security tab (Security Question/Answer) in Your Account settings. These measures allow you to keep your account secure. (If you cannot log in at all to change your password, use the password reset process as described above.) **Data Entry & Inputting Client Information** ### [How is client data entry organized in RazorPlan?](#) RazorPlan uses a guided step-by-step data entry wizard for each client file. The Data Entry process is divided into up to 7 Steps, covering 30+ sections of client information. Each step focuses on a specific aspect of the plan (e.g. Personal Info, Income, Assets, Insurance, etc.), and each section includes on-screen help for guidance. You can also add detailed Planning Notes in each section to document assumptions or client details. RazorPlan Advanced users have all steps enabled, whereas Standard users will notice some advanced sections (like Capital Needs or detailed Insurance inputs) are not accessible. The software ensures you input only the key information needed – using default assumptions for the rest – so you can efficiently build a plan. ### [How do I enter multiple investment accounts of the same type (e.g. several RRSPs or TFSAs)?](#) RazorPlan does not allow entering multiple separate accounts of the same type for one client. If a client has more than one account of a given type (for example, two RRSPs or multiple non-registered investment accounts), you should combine them and enter a single aggregated value. This combined entry should use the total of all those accounts. The same approach applies to related inputs like cost base or contribution amounts – aggregate them for each account category. By grouping assets together, RazorPlan simplifies the plan while still accounting for the total value. (Exception: Different account types, like an RRSP vs. a Locked-In RRSP, may have separate fields in the software if applicable. But multiple of the same type are always entered as one.) ### [How do I enter a Whole Life insurance policy (Participating Whole Life)?](#) Entering a Whole Life policy requires a RazorPlan Advanced subscription (this advanced insurance need analysis is not available in RazorPlan Standard). In Data Entry Step 5: Insurance, add a new Permanent Life Insurance item and set the Illustration Type to “Import Data”\[22\]. RazorPlan does not directly calculate Whole Life values from simple inputs – instead, you will import an actual insurance illustration (typically via an Excel spreadsheet) to accurately reflect premiums, cash values, death benefits, etc. You can obtain this illustration spreadsheet from the insurance carrier’s software or request it from the insurance company. When importing: ensure the file is in “.xls” format with row 1 as column headers, and include yearly rows of data for Premium, Death Benefit, Cash Value, and Adjusted Cost Base (ACB) (ACB is required for corporate policies). Once imported, RazorPlan will use those values in the plan projection. (Importing Whole Life data can be complex – if you need help preparing the file, contact RazorPlan support for assistance.) ### [How can I model a future inheritance for the client?](#) To include a future inheritance (a lump sum the client expects to receive in the future), use the Other Income section. In Step 2: Income, go to the Other Income tab and open the Drill-Down window for Other Income. There you can enter the inheritance amount and specify the year(s) it will be received. RazorPlan allows you to enter the inheritance as a one-time amount or spread it over multiple years. Once entered, the inheritance will be treated as additional income in those future years of the plan. (Remember to enter it only in the client’s Other Income if it’s personally received, or in the spouse’s Other Income if appropriate.) ### [How can I represent an investment loan or leveraged investment in the plan?](#) RazorPlan does not have a dedicated input for an investment loan tied to an asset. In other words, there is no direct way to link a liability to a specific investment and have the software automatically manage loan repayments from investment withdrawals. However, you can simulate the effect of an investment loan with a couple of manual steps: - - Enter the loan and the investment separately: Input the loan as a liability (e.g. a personal loan or line of credit in the Debt section) and the borrowed money as added value in the investment asset. This reflects the increased investment and the debt on the balance sheet. But note, RazorPlan will not inherently “pay off” the loan using the investment, so the loan balance will persist unless you model payments. - Model interest-only or interest+principal payments: One approach is to include the loan’s interest payments as an extra expense. You can do this by adding a recurring Lifestyle Need equal to the interest (use the Lifestyle Needs drill-down to add a custom expense). This will reduce cash flow for loan interest. The loan principal, however, would still remain. - Simulate principal repayment (Advanced feature): If you want to show the loan being paid off from the investment, a workaround is available for Advanced users. You can create a Capital Need entry (in Step 1: Capital Needs) in the year of repayment, and specify the source of funding as the investment account. Essentially, you’re telling RazorPlan “in year X, withdraw $Y from the investment to cover a need” – that need being the loan payoff. This will cause the investment value to drop by that amount in that year, simulating a lump-sum loan repayment. Keep in mind these are manual modeling techniques. RazorPlan will not automatically tie the loan to the investment or stop the loan once “paid.” You’ll need to coordinate the entries. If this becomes too tricky, reach out to support for guidance. ### [How can I show a client purchasing a new car every few years (or other periodic expenses)?](#) You can model periodic large expenses in RazorPlan in a couple of ways: - - Quick method (any version): Use the Lifestyle Needs Drill-Down. In Step 1 (Personal Information) or Step 2 (Expenses), find the Lifestyle Needs section and open the drill-down. Here you can add specific one-time or periodic expenses in particular years. For example, you could enter a “Car Purchase” of $30,000 in 2025, another in 2030, etc. Each entry in the Lifestyle drill-down will increase the lifestyle spending in that year. This method is straightforward for occasional expenses. However, it doesn’t let you specify how that expense is funded – it assumes it’s funded like any other lifestyle need (by available cash flow or withdrawals if needed). - Advanced method (RazorPlan Advanced only): Utilize the Capital Needs feature. In Step 1: Capital Needs, you can add a capital expenditure and explicitly choose the source of funding for it. For instance, you could create a capital need called “New Car Purchase” of $30,000 in 2025, and indicate whether it’s to be funded by cash flow, new debt, or investment withdrawals. This approach is more precise – you can model taking a loan for the car or selling investments to buy the car. Note: You would need to create a separate capital need entry for each car purchase (each occurrence/year), as the software currently doesn’t allow setting a recurring multi-year interval for capital needs. Both methods will reflect the extra spending in the plan projections. The key difference is that Capital Needs (Advanced) gives control over funding sources, whereas the Lifestyle Needs drill-down simply adds to expenses in those years. ### [How does RazorPlan handle life insurance premiums in the cash flow? Can I specify what funds the premiums?](#) Personal (client-owned) insurance: By default, personal insurance premiums are treated as part of the client’s lifestyle expenses in RazorPlan. The software’s behavior depends on the Pre-Retirement Cash Flow setting in Your Account → Settings tabStep1: Lifestyle: – If Pre-Retirement Cash Flow is “ON”, all insurance premiums entered will automatically be added to Lifestyle Needs, and you cannot remove or separately fund them. Essentially, the program assumes premiums are paid out-of-pocket from available income/cash flow in the pre-retirement period. - - If Pre-Retirement Cash Flow is “OFF”, then the Data Entry interface will give you a choice. In Step 1: Lifestyle (Expenses) there is an option “Add Ins. Premiums to Lifestyle” – you can set this to “Yes” or “No.” – Yes: Premiums will be added to lifestyle expenses (same as the ON case). - – No: Premiums will not be counted in lifestyle needs, meaning the software will not explicitly deduct them from cash flow. (This could imply the premiums are paid from other resources outside the plan, or simply that you want to see the effect without double-counting since the Insurance module already accounts for them.) Importantly, RazorPlan will not automatically withdraw from investment assets to cover personal insurance premiums in pre-retirement years. If the client’s pre-retirement income isn’t sufficient and you want to model premiums being funded by investments, you would need to manually enter matching withdrawals (e.g. a Non-Registered Investment withdrawal entered via the drill-down in Step 3 for each premium payment). Otherwise, a shortfall caused by premiums will just show up as a cash flow deficit. Corporate (company-owned) insurance: For corporately-owned life insurance policies, RazorPlan assumes premiums are paid out of the corporation’s cash flow by default (i.e. from corporate income, not from personal cash flow or investments). However, in Step 4: Corporate Investments, there is a setting called “Fund Ins. Premiums”. If you set Fund Ins. Premiums = “YES”, then RazorPlan will fund the corporate policy premiums by withdrawing from corporate investment assets as needed. If it’s “NO”, the software leaves the premiums to be covered by corporate cash flow (and thus no investment withdrawals occur for premiums). In summary, personal policy premiums hit the personal lifestyle or require manual funding adjustments, and corporate policy premiums can be toggled to draw from corporate investments or not. If neither of these built-in solutions fits a unique scenario, a workaround is to exclude the premiums from the insurance input and instead manually add them as lifestyle expenses – but this approach can be cumbersome, so contacting support for complex cases is recommended. ### [How can I enter a withdrawal from the spouse’s RRSP/RRIF only (without withdrawing from the client’s RRSP)?](#) You can’t explicitly designate a withdrawal to come from only the spouse’s registered account in RazorPlan – the software uses a “family withdrawal” concept for retirement accounts. When you input an RRSP/RRIF withdrawal, RazorPlan will allocate the withdrawal proportionally between the client and spouse based on their respective account values. In practice, this means any withdrawal entered is taken from the combined RRSP/RRIF assets of the couple, not one individual’s account exclusively. If you need the spouse to withdraw funds while the client does not, one way to approximate this is: – Ensure the spouse has a much larger RRIF balance than the client (so the proportional split heavily favors the spouse), and then input the desired withdrawal. The split will allocate most of it to the spouse. – Alternatively, consider splitting the couple into two separate plans if you truly need to model withdrawals independently. (However, this loses the benefit of joint life expectancy and income-splitting calculations.) Within a joint plan, however, you cannot force a “spouse-only” RRIF withdrawal via a setting. The Withdrawal tab in the RRSP/RRIF drill-down (Step 3) is only on the client’s side and any amount entered there is assumed to come out of the combined pool. There is no separate withdrawal input for the spouse’s RRSP/RRIF, reflecting the integrated approach RazorPlan takes (especially given post-retirement income splitting rules). ### [How do I add an RESP (Registered Education Savings Plan) for a client’s child?](#) RESP assets are not part of the main Data Entry steps in RazorPlan. Instead, RESPs (and certain other specific goal-based plans) are handled through RazorPlan’s Applications feature. To add an RESP: 1. Go to the Applications screen by clicking the “Applications” button on the RazorPlan toolbar (within an open client file). 2\. In the Applications interface, find RESP Planner in the list of available applications. Click “Add” to add it to the client file\[45\]\[46\]. (Once added, it will appear under “Applications In Use.”) 3\. Open the RESP Planner by clicking “Open” next to it. This will allow you to enter details about the child (or children), planned contributions, education cost goals, etc., within the RESP planning module. The RESP Planner will calculate education funding needs, government grants, and projected RESP values independently from the main plan. Note that because RESPs are handled as a separate module, they won’t appear on the main net worth or asset list of the core RazorPlan output. They will, however, be detailed in the RESP application’s results and can be included in the report if you generate an RESP report. (In summary: you cannot input an RESP on the regular data entry screens; you must use the Applications area to handle it.) ### [How do I input corporate rental income or other corporate cash flows?](#) RazorPlan allows you to enter Corporate Assets (e.g. a corporation’s investment accounts) in the Corporate section, but it does not model ongoing corporate cash flows like rental income or corporate expenses in detail. There is no direct field for corporate rental property income. The philosophy is that such income, if retained in the corporation, would simply increase corporate assets over time – and those assets can be reflected by adjusting the corporate investment contributions or growth. If you have a corporation earning rental income and you want to incorporate it: – Do not enter a separate “rental income” in the plan (there’s no place to do so). – Instead, consider increasing the Corporate Investment Savings (contributions to corporate investments) by an amount equivalent to the annual net rental income. This effectively simulates the corporation investing its rental profits. Because corporate cash flow isn’t explicitly tracked, adding corporate rental income as an input would have no direct effect – so the best practice is to translate any ongoing corporate cash inflows into increased corporate asset growth or contributions in the plan. This way, the impact (higher corporate assets over time) is captured without needing a special income field. ### [How can I enter a charitable donation in the plan?](#) There is no dedicated input for charitable donations in RazorPlan’s data entry, and the software doesn’t directly handle the tax credit implications of charitable giving. However, if you want to show the effect of a large donation on the client’s finances, you can mimic it as a lump-sum expense: – Use the Lifestyle Needs drill-down to add a one-time expense in the year of the intended donation (or multiple entries if it’s a recurring annual gift). Label it “Charitable Donation” for clarity. This will reduce the client’s cash flow and assets accordingly in that year. Keep in mind, this workaround only reflects the cash outflow. It will not account for any tax credits or tax deductions that the donation might generate. Currently, RazorPlan doesn’t simulate the tax benefits of charitable contributions, so any potential tax savings would need to be considered outside the model or noted qualitatively to the client. In summary, you can show the reduction in net worth from the act of donating money (by adding an expense), but the software will not automatically adjust the taxes owed as it would in a full tax calculation of a real donation. **Analysis** ### [Why does the “Active Retirement Lifestyle” I entered as $0 get replaced with a different value?](#) If you leave Active Lifestyle at $0 (meaning the client initially says they have no specific retirement spending goal), RazorPlan will automatically calculate an optimal lifestyle amount instead of accepting $0. This design is to prevent errors (a $0 retirement need can break some calculations) and to provide a useful planning insight. Essentially, the software interprets $0 as “unspecified,” and then computes the maximum sustainable retirement lifestyle that the plan’s assets and income can support without shortfalls. The result is that $0 is overridden by a positive dollar amount – which you can view as a suggested retirement spending target for the client given their resources. This helps advisors discuss a reasonable lifestyle with clients who “don’t know how much they’ll need” in retirement. If you truly want to force a very low retirement spending value, you could enter a minimal number (like $1) instead of $0, but generally it’s better to let RazorPlan suggest a figure or to enter the client’s desired budget. ### [Can I tell RazorPlan not to automatically reinvest excess income in retirement (and instead have unneeded income just increase lifestyle spending)?](#) No – RazorPlan will always reinvest surplus income in retirement by default. In the retirement phase, if the client’s guaranteed incomes (government benefits, pensions, etc.) and withdrawals exceed their lifestyle needs in a given year, the software assumes the extra money is saved (reinvested into the portfolio). There isn’t a toggle to turn this off. The logic is built-in to reflect that if a client doesn’t spend all their income, it remains in their estate. If your goal is to show the client spending that excess instead, the only way is to manually increase the lifestyle need values during retirement. In other words, you could inflate their passive or active lifestyle target so that little or no excess remains. This would force the projection to use up the income. Other than adjusting the retirement lifestyle amount, there is no direct feature to have “excess income” automatically diverted to extra spending – it’s always assumed to go back into investments by the program’s calculations. Why do the Lifestyle Needs in the results show a higher value than what I entered? If you notice the projected Lifestyle Needs (expenses) are higher than the base amount you input, there are a few possible explanations (the software may be adding other requirements on top of the base need): - - Inflation: All lifestyle needs are automatically grown by the inflation rate you’ve set. So if you entered $50,000 as an annual need and inflation is 2%, in future years the displayed lifestyle need will be higher (e.g. ~$51,000 next year, and so on). The inflation adjustment will make needs in later years larger than the initial input, which is expected behavior. - Drill-Down entries: You may have additional expenses entered via the Lifestyle Needs Drill-Down (for specific years or one-time needs). These drill-down items are added on top of the main Lifestyle figure. For example, if you added a $10,000 vacation in a certain year, that year’s lifestyle need in the projection will be $10K higher than the base need. - “Cash Flow ON” additions: If Pre-Retirement Cash Flow is ON in the settings, RazorPlan will automatically add certain expenses to Lifestyle Needs: specifically, any debt repayments, insurance premiums, or investment savings contributions will be counted in lifestyle. This could make the total lifestyle spending appear higher because those outflows are included in the lifestyle number. (If Cash Flow is OFF, you have control – you can choose in data entry whether to include or exclude those items from lifestyle. But with it ON, they are always included by default.) In short, the Lifestyle Needs output is comprehensive. It starts with your base entered needs, then on each year layers in inflation growth and any additional obligations or discretionary spends that the software knows about. If the number seems unexpectedly high, check the factors above. You can review the Lifestyle drill-down report or details to see the breakdown of what makes up the total lifestyle figure in a given year. Adjusting settings (like turning Cash Flow off to manually control what’s included) can also give you more precision if needed. ### [How can I model paying off a mortgage (outstanding loan on a property) within the plan?](#) RazorPlan doesn’t have a one-click “pay off mortgage” action, but you can simulate a mortgage payoff using a couple of steps in data entry as a workaround: Let’s say the client has a house with a $100,000 mortgage remaining and they’d like to pay it off in 5 years using investments. You can do the following in that payoff year: - - Liquidate a portion of the property – Go to the Real Estate section and enter a Property Liquidation in the year you want the mortgage paid. Enter an amount equal to the outstanding mortgage balance (e.g. $100,000)\[61\]. In RazorPlan, when you liquidate part of a real estate asset, any proceeds first go to clear the remaining mortgage on that property\[61\]. By liquidating $100k, you effectively tell the software “sell $100k of the home,” which it uses to automatically pay off the $100k mortgage (reducing the mortgage balance to zero). The side effect is the property’s value in the plan will drop because we sold a portion of it. - Re-buy the property via a Capital Need – To cancel out the drop in property value (since in reality the client isn’t selling the house, they are just paying the mortgage), you immediately add a Capital Need entry of the same amount in that year to represent buying back the portion of the house. Essentially, you’re injecting $100k back into the property. When creating the capital need, select the funding source – e.g. choose the Non-Registered Investments account if the plan is to use investments to fund the payoff. This will cause RazorPlan to withdraw $100k from that investment in that year and apply it to the property, restoring the house value. After these two steps, the net effect is: – The mortgage is gone (paid off). – The house value ends up the same as before (sold $100k and then injected $100k back in). – The chosen investment account is $100k lower (since that cash went to pay the mortgage). You have thus modeled a lump-sum mortgage payoff using an investment. The client’s net worth will reflect this transaction (investment down, debt eliminated, home equity up). This workaround is a bit involved but it accurately demonstrates the strategy of using assets to clear a liability. (If the idea of “liquidating and re-adding” part of a property is confusing, remember it’s just a technique to force the payoff. RazorPlan sees a partial sale of the property and automatically applies it to the debt. We then correct the property value by injecting funds, which represents the client paying off the mortgage with outside money.) **Reporting** ### [What types of reports can RazorPlan generate, and how do I create a client report?](#) RazorPlan can produce several report types to present the plan to your clients. The main report formats are accessible via the Reports button on the toolbar when you have a client file open. When you click Reports, it opens the Report Generation window, where you can choose from three primary report options: - - **Full Report**: A comprehensive financial plan report. The Full Report is customizable – it includes multiple document sections (e.g. Balance Sheet, Cash Flow, Insurance Analysis, etc.) and you can select which sections to include. By default, it can include everything: an Executive Summary, detailed analyses, and even results from any Applications used (like RESP, Budget Planner outputs). The Full Report is ideal for a complete plan deliverable. You have the ability to check or uncheck particular documents within this report before generating it. - **Retirement Number Report**: A focused report centered on retirement planning metrics. This option is more streamlined and has only one main category of documents to include (largely related to retirement income and goal feasibility). It’s useful if you want to give a client a quick readout of their “retirement number” – e.g. the income they can sustain or the shortfall/excess relative to goals. - **Focused Planning Report**: This is a comparison report for scenario analysis. Rather than including all documents, you choose two scenarios – usually the Baseline (current plan) and an Improved scenario – and it will generate a report comparing them. The Focused Planning report automatically picks the relevant comparison charts/tables and doesn’t allow picking individual sections; it’s pre-set to show a side-by-side of the two chosen scenarios. This is great for presenting an “Option A vs Option B” outcome (like Retire at 65 vs Retire at 60, or Plan with Insurance vs without Insurance, etc.). To create a report: 1. Open the client file and click Reports on the top toolbar. 2. In the Report window, select which type of report (Full, Retirement Number, or Focused Planning). 3. If Full or Retirement Number, check off the specific documents or analyses you want to include (or “Select All” to include everything). If Focused Planning, choose the two scenarios to compare. 4. Click Generate. RazorPlan will compile the PDF report based on your selections. Once generated, you can view it on-screen, save it, or print it. All reports are generated as PDF documents, which you can then provide to your client. You can create reports at any time; it’s often wise to generate a Full Report for your records or compliance after inputting data, and a Focused report when comparing strategy alternatives. ### [Can I customize the report cover page, title, or add my own branding (logo/disclaimer)?](#) Yes. RazorPlan allows you to customize various elements of the report to reflect your branding and compliance needs. In the Your Account window, there is a Report Settings tab where you can upload images and modify titles/disclaimers: - - **Logo**: You can upload a custom Report Logo image (e.g. your company logo). The logo you upload will appear on the title page of all reports and also in Razor Leads (the client-facing tool) if you use that. If you don’t upload one, the default RazorPlan logo is used. - **Cover Image**: You can add a Report Cover image. This might be a full-page graphic or banner that appears on the front page of the report, depending on the template. This can be used for additional branding or aesthetics. - **Report Title**: There’s a field to set a custom title for your reports (e.g. “Financial Plan for the Smith Family” or “Retirement Analysis”). By default, RazorPlan might call it “Financial Plan” or similar, but you can override it with your preferred title. - **Disclaimer** (and French Disclaimer): For compliance, you can edit the disclaimer text that appears in the report footer or in a section of the report. Many firms require specific wording – you can paste your required compliance disclaimer here. There are separate fields for an English disclaimer and a French disclaimer, so you can maintain bilingual content if needed. To customize these, open Your Account > Report Settings, then upload/select the images and enter the text as needed. After saving, any new report you generate will include your custom logo, cover, title, and disclaimer. This ensures your output is white-labeled for your practice and meets any compliance requirements your firm or regulatory body demands. (Note: Other aspects of report formatting are fixed to RazorPlan’s template. You can choose which sections to include (as mentioned above) but the style and layout are standardized aside from the custom elements you provide.) **Implementation & Collaboration** ### [How do I share a client file with another RazorPlan user, and how can I revoke their access later?](#) RazorPlan’s File Sharing feature allows you to collaborate with other advisors by granting them access to one of your client files. To share a file with another user: - - 1 – Enable sharing on both accounts: First, both you (the file owner) and the other advisor need to have sharing enabled on your accounts. By default, sharing is OFF for all users. To enable it, open Your Account and in the Settings tab turn File Share = “On”. Once enabled, you will see a Share button (icon) appear on your RazorPlan toolbar within client files. - 2 – Initiate sharing: Open the client file you want to share and click the Share button on the toolbar. In the sharing dialog, enter the other advisor’s email address (the one associated with their RazorPlan account) and click “Add.” If you want to give them access to all client files in your database, you can check “Share all Plans with this user” before clicking Add. Otherwise, leave it unchecked to share just the current file. - 3 – Access granted: The other user will be added to the list of shared advisors for that file. They will now see this client file under their account and can open it on their end. Shared users can view and edit the client data, run scenarios, and print reports – essentially co-planning on the same file. However, they cannot delete the client file (only the owner can delete). Note: Only one user can have a shared file open at a time; if you both try to edit simultaneously, you’ll get a notification – you’ll need to take turns making changes. Removing access (un-sharing): If you decide to revoke the other advisor’s access to your file, you (as the owner) can remove sharing. Go back to the Share dialog (Share button on that client file) where the shared user is listed. Click the “Edit” (or options) next to that user’s name and choose “Remove Sharing.” Save or confirm, and that user will no longer be able to open your client file. (Their name will disappear from the shared list.) If a file was shared with them, it will also disappear from their client list once removed. Alternatively, if you are the one who had someone else’s file shared with you and you no longer need it, you can remove it by simply deleting that file from your client list – this only removes the shared link on your side and does not delete the actual file for the owner or other shared users. Sharing is a powerful collaboration tool – it grants full access to the data, so only share with trusted colleagues. If you want to disable all sharing at once, you can toggle File Share “Off” in Your Account settings, which will sever all sharing links from your account (both incoming and outgoing). ### [Instead of sharing a whole file, can I forward just one scenario to another advisor?](#) Yes. RazorPlan provides a Forward Scenario option as a lighter-weight alternative to full file sharing. When you forward a scenario, you send a copy of that scenario’s data to another user, rather than giving ongoing shared access. This is useful if you want to get a second opinion or have someone work on a scenario without risking changes to your original client file. To forward a scenario, open the client file and go to the scenario you want to share (for example, a retirement alternative scenario). In the scenario management or share dialog, choose the option to Forward Scenario and enter the other advisor’s email. The other advisor will receive that scenario as a new client file on their side (often marked as a forwarded plan). The key differences between forwarding and sharing are: – Forwarding sends a disconnected copy of the scenario. The other advisor can modify it freely, but those changes won’t flow back to your plan (and vice versa). It’s essentially a snapshot in time. – Sharing is live collaboration on the same file – any changes they make are on your file directly. Forwarding ensures there’s no risk your original data gets altered or deleted by the other user. It’s a safer choice when you only need to share a particular scenario result. To use Forward Scenario, both parties should still have File Sharing enabled on their accounts. Once forwarded, the recipient can view and experiment with that scenario as an independent plan on their account. If needed, they could later forward it back or share insights without ever touching your original client entry. ### [Can I add RazorPlan’s financial calculators (e.g. the risk or retirement widgets) to my own website?](#) Yes. RazorPlan provides embeddable Financial Calculators that you can integrate into your personal website to engage clients/prospects. These are part of the RazorPlan offering. For detailed instructions, you can visit RazorPlan’s online guide for embedding calculators. In general, the process involves generating a snippet of HTML code or a unique link from your RazorPlan account (often found under the Razor Leads or calculator section) and then adding that code to your website. The calculators are branded with your information (they will show your profile image and logo as set in your RazorPlan account) and allow visitors to run a basic retirement income calculation, insurance need analysis, etc. Once the user interacts with the calculator, they have the option to contact you or request a full plan, thereby serving as a lead generation tool. Keep in mind you may need some web development assistance to embed the code on your site, but the RazorPlan support site gives step-by-step guidance on how to do this. It’s a great way to leverage RazorPlan beyond just in-office use, by turning it into a marketing tool on your advisor website. **Compliance & Data Security** ### [How do I customize or add compliance disclaimers to the plan reports (including bilingual disclaimers)?](#) Customizing disclaimers is done through the Report Settings in the Your Account window. There, you have fields to enter your own compliance text. RazorPlan allows for two disclaimer fields – one for English and one for French. You can use these to include any required wording (for example, a disclaimer about projections not being guarantees, or your firm’s compliance statement). If you produce bilingual reports, fill in both fields accordingly (English disclaimer, and French disclaimer). If you only need one language, you can use just the English field. When you generate a report, the custom disclaimer you provided will appear on the report (usually on the cover or the footer of each page, depending on report format). This ensures your reports meet compliance standards. In addition to disclaimers, you might also want to include your licensing information (e.g., “Mutual Funds provided through ABC Dealer”) in the disclaimer field if required by your compliance department. Remember to also update your Report Title and branding (logo/cover) as needed in the same settings area, so the entire report package looks professional and compliant with your company’s guidelines. Once set, these will apply to all reports you generate moving forward. ### [Where are my client files stored, and can I back them up or export them outside of RazorPlan?](#) All client data in RazorPlan is stored securely on cloud servers located in Canada. For added protection, there is no local ‘save as’ option to export raw client files from the system. In fact, aside from printing or saving reports as PDFs, users cannot save client files outside of the RazorPlan software environment. This means you don’t have to worry about managing local files or backups; RazorPlan maintains the data on its servers. (It also implies that if you delete a client file in RazorPlan, it’s gone for good – you can’t retrieve a local copy, since one never existed. See the next section on Troubleshooting regarding deleted files.) For compliance and data security, this setup ensures all client information is contained within a controlled system. The data is backed up and protected by RazorPlan’s infrastructure. If you need a physical backup or record for compliance purposes, the recommended approach is to print a Full Report PDF for the client file and save that PDF in your records. The Full Report will contain all the input data and analysis results, which can satisfy record-keeping requirements. But the actual interactive client file resides on RazorPlan’s servers and can only be accessed by logging into your account. In summary: You cannot download an editable client file to your computer – all work remains on the cloud. Ensure you use RazorPlan’s internal sharing or forwarding functions to collaborate, rather than looking for an export function. And use printed reports as your offline record. (Note: This also means you can log in from any device and your client files will be there, since nothing is tied to a local machine.) **Troubleshooting & Support** ### [My printed report says “TRIAL” across it. How can I remove the watermark?](#) The “TRIAL” watermark appears because the plan was created under a Free Trial account. This mark is automatically applied to all reports generated during the 30-day trial period. To remove the TRIAL watermark, you will need to activate a paid subscription to RazorPlan. Once you subscribe (either to RazorPlan Standard or Advanced, monthly or annually), the watermark will no longer appear on new reports. Unfortunately, you cannot remove the watermark from reports that were already generated while in trial. You would need to regenerate those reports after your account is upgraded to a full subscription. If you’re still within the trial and need to present a plan to a client, be aware the watermark will be there until you subscribe. In short: the solution is to subscribe to RazorPlan – the watermark is the only functional difference in outputs between the trial and paid version (aside from minor feature limits). After subscribing, reprint the report and it will come out clean. ### [Can I recover a deleted client file?](#) No – once a client file is deleted in RazorPlan, it cannot be recovered. Deletion is permanent. There is no “undo” or trash bin for client files, and RazorPlan support cannot restore a deleted file either. Because of this, be very careful when deleting any plan. Only delete files that you are sure you no longer need. For compliance or record-keeping, it’s a good idea to keep files rather than delete them, or at least download a Full Report PDF before deletion if you must remove a client from the system. If a file was shared with you by another user and you removed it (as described in the Implementation section), that only removed your access – the original file still exists with the owner. In that case, you could ask the owner to re-share it if needed. But if you were the owner and you deleted it, it’s gone. You would have to recreate the client file from scratch if you still need it. ### [How do I contact RazorPlan support if I have an issue or question?](#) RazorPlan support is readily available via email. In the software, clicking the Support button will show the support email address (support@razorplan.com) and phone number. The preferred method to get help is to email support@razorplan.com with your question or issue. Provide as much detail as possible (and your account email) so they can assist you. Phone support is not on-demand and there is no option to directly book a call with RazorPlan support. If you email them and the issue warrants a phone discussion, the support team can arrange to call you. Typically, they respond with answers or troubleshooting steps via email. The Support window in RazorPlan also provides a link to the User Guide and other resources, which might answer many common questions. So, for quickest help: send an email to support. They’re very responsive and will either answer your question or schedule a time to talk if needed. There is also a community of users and an FAQ (like this document) that can be helpful for common how-tos and issues. --- ### [Thank you for signing up for the trial period](https://razorplan.com/thank-you/) **Published:** September 8, 2025 **Author:** leo **Content:** Sign up for the demo # **Thank You!** Your request for a trial is being reviewed. ## Connect & Engage Using the client facing RazorLeads tool built into RazorPlan your clients can enter initial data and determine their potential retirement income. This data is then automatically used to start the analysis and planning process. ## Analyze the Situation RazorPlan’s algorithms run intuitive calculations on your behalf. Allowing you to quickly analyze a client’s financial and risk management needs while helping them understand the importance of your recommendations. ## Deliver the Results Choose from multiple client reports that each take a different approach to delivering the client analysis. Depending on the type and scope of a client meeting, you can print the report that best corresponds to your client’s situation. --- ### [Planning as a Concept - La planification en tant que concept](https://razorplan.com/fr/la-planification-en-tant-que-concept/) **Published:** September 1, 2025 **Author:** leo **Content:** # La planification en tant que **concept** [Click here to download your guide](https://razorplan.com/wp-content/uploads/2018/11/Razor-PlanningAsAConcept-eBook.pdf)How to Use Focused Planning to Create Value Over Product and Increase Sales. ## **What is the Essential Decumulation Toolkit** For most clients, retirement planning is about the accumulation of RRSP, TFSA and other investments so they will have the money they need to enjoy retirement. This phase of retirement planning has traditionally focused on strategies involving asset allocation, risk management and tax efficiency, with the goal of improving returns. However upon retirement, planning must shift from saving (accumulation) to spending (decumulation). Decumulation planning refers to the strategic spending of assets to achieve various retirement goals. It’s much more complex than accumulation planning because you now must help clients decide how much and in what order they will spend the different assets they have accumulated, and when to apply for CPP and OAS benefits. Get it wrong, and it could cost your clients hundreds of thousands in lost wealth over their lifetime. ## **What’s inside?** - Identifies the **problem** with traditional financial product sales concepts. - Introduction to **Planning as a Concept** and how to use Focused Planning. - How to create **Value over Product**. - Using **six core competencies** of financial planning. - Outlines actionable strategies for demonstrating the **value of your advice.** - Shows the benefits of combining **Behavioral Coaching** and **Strategic Management** with financial products. ## **Take a sneak peek inside this guide** ![Planning as a Concept - cover](https://razorplan.com/wp-content/uploads/2025/08/PAAC1-845x678-1.jpg) ![Insurance sales concepts](https://razorplan.com/wp-content/uploads/2025/08/PAAC2-845x684-1.jpg) ![Razorplan financial planning scenarios](https://razorplan.com/wp-content/uploads/2025/08/PAAC3-845x684-1.jpg) ![Investment Management concepts](https://razorplan.com/wp-content/uploads/2025/08/PAAC4-845x684-1.jpg) ![Value of Advice - Projected return in Income Tax Paid](https://razorplan.com/wp-content/uploads/2025/08/PAAC5-845x673-1.jpg) ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](https://dec.razorplan.com/Account/Login?isBuyNow=false&isShowRegister=True&isInsurance=True&lang=en-CA&appInfo=PlanWebsite_EN)[Request a demo](/demonstration/) --- ### [Razorplan-homepage-fr](https://razorplan.com/fr/razorplan-homepage-fr/) **Published:** July 28, 2025 **Author:** lorenzo noventa **Content:** # Créez **des plans financiers** que vos clients **comprendront** [Free 30 day trial](#)[Request a demo](#)Razorplan simplifies financial planning, letting clients focus on what matters. Its unique design blends big-picture analysis with tailored, easy-to-understand advice. ## **Client centric** Financial planning is complicated and getting client buy in is important. Advisors using RazorPlan are confident their clients will follow their recommendations because they provide easy to understand actionable financial plans. ## **Multiple scenarios** Build multiple situations and compare the changes in the client’s savings, net worth, taxes payable and estate worth. RazorPlan’s scenario feature allows advisors to easily demonstrate the value of their advice and recommendations. ## **Simplification over complication** RazorPlan innovative algorithms start from key client information to run intuitive calculations and allow Canadian financial planners to quickly analyze a client’s financial and risk management needs, while helping them understand the importance of advice. ![](https://razorplan.com/wp-content/uploads/2025/07/CTA-triangle-on-plan.svg) **Engage** your prospects. **Assess** their needs. **Deliver** real results. [Free 30 day trial](#)[Request a demo](#) Well-tested features with **real-word performance** - **Retirement Planning**: with sophisticated solve engine - **Insurance needs analysis**: life, disability, and critical illness - **Professional reporting** and visualizations - **Decumulation optimizer**: determines optimal retirement income - **Proper tax calculations**: using current legislation ## **Simplication over complication** ![Razorplan UI sample - Widget](https://razorplan.com/wp-content/uploads/2025/07/razorplan-widget-01.webp) Advisors using RazorPlan are confident their clients will follow their recommandations because they provide easy to understand actionable financial plans. Real results, **real ROI** Firms and professionals who have partnered with Razorplan have seen significant improvements in their onboarding processes, decreas in overhead costs and business growth ## **Spend less time** entering decumulation strategies Spend more time engaging clients in meaningful discussions. Optimize your clients wealth over their lifetime. Execute complex calculation on the flight. [Get the decumulation kit](#) ## **Improve** client satisfaction Give clients what they really want and need, with clear options in a more digestible way. Demonstrate the value you bring to clients with easy-to-read charts and reports. [Discover reports](#) Plans that fit your **growth** Pay per month or save with annual plans. **Razorplan Base** **$745** save $83/year [explore features](#) **Razoplan Advanced** **$1,070** save $118/year [explore features](#) **Razoplan with Decumulation** **$1,610** save $178/year [explore features](#) [start now your free 30 day trial](#) ![]() ## **RazorPlan has helped me show retirement and estate planning strategies as well as the need for long term care, term and/or permanent insurance to clients in a way that is easy to comprehend.** Terry Zavitz **Zavits Insurance & Wealth** ![razorplan logo (on dark background)](https://razorplan.com/wp-content/uploads/2025/07/razorplan-ow-logo-on-dark.svg) The advantage of **partnering** Find the discounted pricing offered by our partners, and leverage exclusive training and support ![Razorplan logo (on light background)](https://razorplan.com/wp-content/uploads/2025/07/razorplan-ow-logo-on-light.svg) ![Razorplan logo (on light background)](https://razorplan.com/wp-content/uploads/2025/07/razorplan-ow-logo-on-light.svg) ![Razorplan logo (on light background)](https://razorplan.com/wp-content/uploads/2025/07/razorplan-ow-logo-on-light.svg) ![Razorplan logo (on light background)](https://razorplan.com/wp-content/uploads/2025/07/razorplan-ow-logo-on-light.svg) ![Razorplan logo (on light background)](https://razorplan.com/wp-content/uploads/2025/07/razorplan-ow-logo-on-light.svg) ![Razorplan logo (on light background)](https://razorplan.com/wp-content/uploads/2025/07/razorplan-ow-logo-on-light.svg) ![Razorplan logo (on light background)](https://razorplan.com/wp-content/uploads/2025/07/razorplan-ow-logo-on-light.svg) ![Razorplan logo (on light background)](https://razorplan.com/wp-content/uploads/2025/07/razorplan-ow-logo-on-light.svg) ![Razorplan logo (on light background)](https://razorplan.com/wp-content/uploads/2025/07/razorplan-ow-logo-on-light.svg) ![Razorplan logo (on light background)](https://razorplan.com/wp-content/uploads/2025/07/razorplan-ow-logo-on-light.svg) ![reversed pyramid, vector illustration](https://razorplan.com/wp-content/uploads/2025/07/CTA-tetra-3D.svg) LIVE WEBINARRAZORPLAN BUDGET **New** capital gains inclusion rates **in RazorPlan** [Go to webinar](#) --- ## Guides ### [Fonctionnalités avancées de RazorPlan](https://razorplan.com/fr/guide/fonctionnalites-avancees-de-razorplan/) **Published:** September 11, 2025 **Author:** leo **Excerpt:** Cette courte vidéo présente les fonctionnalités de RazorPlan Advanced. **Content:** RazorPlan est un logiciel de planification financière qui ne requiert que les informations clés pour analyser rapidement les besoins financiers et de gestion des risques de vos clients. Vos conseils peuvent ensuite être modélisés pour fournir des plans et des analyses financiers faciles à comprendre et exploitables. Cette courte vidéo présente les fonctionnalités de RazorPlan Advanced. La vidéo est en anglais. Ouvrez les paramètres vidéo pour activer les sous-titres en français. **Categories:** Mode d'emploi --- ### [Choisir le bon âge](https://razorplan.com/fr/guide/choisir-le-bon-age/) **Published:** September 4, 2025 **Author:** leo **Excerpt:** Cette vidéo vous aide à comprendre comment vos hypothèses auront un impact sur le résultat pour votre client, lorsqu'il s'agit de calculs de décumulation. **Content:** Cette vidéo vous aide à comprendre comment vos hypothèses auront un impact sur le résultat pour votre client, lorsqu’il s’agit de calculs de décumulation. La vidéo est en anglais. Ouvrez les paramètres vidéo pour activer les sous-titres en français. **Categories:** Décumulation, Mode d'emploi --- ### [Démarrer avec RazorPlan Decumulation](https://razorplan.com/fr/guide/demarrer-avec-razorplan-decumulation/) **Published:** September 5, 2025 **Author:** leo **Excerpt:** Vidéo de présentation de RazorPlan Decumulation. Recommandée aux abonnés de RazorPlan Decumulation. **Content:** Vidéo de présentation de RazorPlan Decumulation. Recommandée aux abonnés de RazorPlan Decumulation. La vidéo est en anglais. Ouvrez les paramètres vidéo pour activer les sous-titres en français. **Categories:** Décumulation, Général --- ### [Quand choisir la succession ou la valeur nette](https://razorplan.com/fr/guide/quand-choisir-la-succession-ou-la-valeur-nette/) **Published:** September 6, 2025 **Author:** leo **Excerpt:** Vidéo expliquant comment optimiser les résultats des clients dans la fonction de décumulation en comparant les stratégies de maximisation de la valeur nette et de la succession. **Content:** Vidéo expliquant comment optimiser les résultats des clients dans la fonction de décumulation en comparant les stratégies de maximisation de la valeur nette et de la succession. La vidéo est en anglais. Ouvrez les paramètres vidéo pour activer les sous-titres en français. **Categories:** Décumulation, Retraite --- ### [Maximisation du patrimoine](https://razorplan.com/fr/guide/maximisation-du-patrimoine/) **Published:** September 7, 2025 **Author:** leo **Excerpt:** Webinaire montrant comment utiliser l’assurance-vie pour l’amélioration et la préservation du patrimoine dans RazorPlan. **Content:** Webinaire montrant comment utiliser l’assurance-vie pour l’amélioration et la préservation du patrimoine dans RazorPlan. La vidéo est en anglais. Ouvrez les paramètres vidéo pour activer les sous-titres en français. **Categories:** Insurance, Planification successorale --- ### [Régimes de retraite assurés](https://razorplan.com/fr/guide/regimes-de-retraite-assures/) **Published:** September 8, 2025 **Author:** leo **Excerpt:** Webinaire expliquant la stratégie du régime de retraite assuré utilisant une assurance-vie permanente dans une société privée et comment la modéliser dans RazorPlan. **Content:** Webinaire expliquant la stratégie du régime de retraite assuré utilisant une assurance-vie permanente dans une société privée et comment la modéliser dans RazorPlan. La vidéo est en anglais. Ouvrez les paramètres vidéo pour activer les sous-titres en français. **Categories:** Assurance, Planification d'entreprise, Planification successorale --- ### [Stratégies d'investissement](https://razorplan.com/fr/guide/strategies-dinvestissement/) **Published:** September 9, 2025 **Author:** leo **Excerpt:** Webinaire présentant diverses stratégies d’investissement pouvant être modélisées dans RazorPlan. **Content:** Webinaire présentant diverses stratégies d’investissement pouvant être modélisées dans RazorPlan. La vidéo est en anglais. Ouvrez les paramètres vidéo pour activer les sous-titres en français. **Categories:** Investir, Mode d'emploi --- ### [Premiers pas avec RazorPlan](https://razorplan.com/fr/guide/premiers-pas-avec-razorplan/) **Published:** September 10, 2025 **Author:** leo **Excerpt:** Vidéo de présentation de RazorPlan. Recommandée comme première vidéo à regarder. **Content:** Vidéo de présentation de RazorPlan. Recommandée comme première vidéo à regarder. La vidéo est en anglais. Ouvrez les paramètres vidéo pour activer les sous-titres en français. **Categories:** Général **Guide categories:** FEATURED --- ### [Besoins en capitaux](https://razorplan.com/fr/guide/besoins-en-capitaux/) **Published:** September 10, 2025 **Author:** leo **Excerpt:** Vidéo explicative sur la fonctionnalité Besoins en capital, qui permet aux utilisateurs de planifier leurs futurs achats d'actifs en capital **Content:** Vidéo explicative sur la fonctionnalité Besoins en capital, qui permet aux utilisateurs de planifier leurs futurs achats d’actifs en capital. La vidéo est en anglais. Ouvrez les paramètres vidéo pour activer les sous-titres en français. **Categories:** Flux de trésorerie, Mode d'emploi --- ### [Gestion des fichiers](https://razorplan.com/fr/guide/gestion-des-fichiers/) **Published:** September 10, 2025 **Author:** leo **Excerpt:** Découvrez comment créer, ouvrir, partager et transférer des fichiers clients dans RazorPlan. **Content:** Découvrez comment créer, ouvrir, partager et transférer des fichiers clients dans RazorPlan. La vidéo est en anglais. Ouvrez les paramètres vidéo pour activer les sous-titres en français. **Categories:** Général, Mode d'emploi --- ### [Flux de trésorerie avant la retraite](https://razorplan.com/fr/guide/flux-de-tresorerie-avant-la-retraite/) **Published:** September 10, 2025 **Author:** leo **Excerpt:** Vidéo explicative sur la fonctionnalité Flux de trésorerie avant la retraite, qui permet d'allouer et d'optimiser les revenus avant la retraite **Content:** Vidéo explicative sur la fonctionnalité Flux de trésorerie avant la retraite, qui permet d’allouer et d’optimiser les revenus avant la retraite La vidéo est en anglais. Ouvrez les paramètres vidéo pour activer les sous-titres en français. **Categories:** Flux de trésorerie, Mode d'emploi --- ### [Écran graphique dans RazorPlan](https://razorplan.com/fr/guide/ecran-graphique-dans-razorplan/) **Published:** September 11, 2025 **Author:** leo **Excerpt:** Présentation de l'écran des graphiques dans RazorPlan et comment l'utiliser efficacement **Content:** Présentation de l’écran des graphiques dans RazorPlan et comment l’utiliser efficacement La vidéo est en anglais. Ouvrez les paramètres vidéo pour activer les sous-titres en français. **Categories:** Général, Mode d'emploi --- ### [RazorPlan - Version "Cash Flow"](https://razorplan.com/fr/guide/razorplan-version-cash-flow-fr/) **Published:** October 4, 2025 **Author:** leo **Excerpt:** Présentation des nouvelles fonctionnalités de la version « Cash Flow » de RazorPlan. **Content:** Présentation des fonctionnalités de la version « Cash Flow » de RazorPlan : recommandations personnalisées, taux de rendement personnalisé, revenu de dividendes direct, flux de trésorerie avant la retraite, besoins en capital, répartition des flux de trésorerie excédentaires La vidéo est en anglais. Ouvrez les paramètres vidéo pour activer les sous-titres en français. **Categories:** Flux de trésorerie, Mode d'emploi, Retraite --- ### [RazorPlan Advanced Features](https://razorplan.com/guide/razorplan-advanced-features/) **Published:** September 11, 2025 **Author:** leo **Excerpt:** Highlighting the features of RazorPlan Advanced **Content:** RazorPlan is financial planning software program that requires only key information to quickly analyze a client’s financial and risk management needs. Your advice can then be modeled to provide easy to understand, actionable financial plans and analysis. This short video highlights the features of RazorPlan Advanced. **Categories:** General, How-to --- ### [Insured Retirement Plans](https://razorplan.com/guide/insured-retirement-plans/) **Published:** September 8, 2025 **Author:** leo **Excerpt:** Webinar explaining the Insured Retirement Plan strategy using permanent life insurance in a private corporation, and how to model it in RazorPlan **Content:** Webinar explaining the Insured Retirement Plan strategy using permanent life insurance in a private corporation, and how to model it in RazorPlan. **Categories:** Corporate planning, Estate planning, Insurance --- ### [Pre-Retirement Cash Flow](https://razorplan.com/guide/pre-retirement-cash-flow/) **Published:** September 10, 2025 **Author:** leo **Excerpt:** Explainer video for the Pre-Retirement Cash Flow feature, which helps allocate and optimize income before retirement **Content:** Explainer video for the Pre-Retirement Cash Flow feature, which helps allocate and optimize income before retirement **Categories:** Cash flow, How-to --- ### [RazorPlan - "Cash Flow" release](https://razorplan.com/guide/razorplan-cash-flow-release/) **Published:** October 4, 2025 **Author:** leo **Excerpt:** Introducing the RazorPlan "Cash Flow" release new features. **Content:** Introducing the RazorPlan “Cash Flow” release features: Custom Recommendations, Custom Rate of Return, Direct Dividend Income, Pre-retirement Cash Flow, Capital Needs, Excess Cashflow Allocation **Categories:** Cash flow, How-to, Retirement --- ### [Getting Started with RazorPlan Decumulation](https://razorplan.com/guide/getting-started-with-razzorplan-decumulation/) **Published:** September 5, 2025 **Author:** leo **Excerpt:** Introduction video to RazorPlan Decumulation. Recommended for subscribers of RazorPlan Decumulation **Content:** Introduction video to RazorPlan Decumulation. Recommended for subscribers of RazorPlan Decumulation. **Categories:** Decumulation, General --- ### [Selecting the Right Age](https://razorplan.com/guide/selecting-the-right-age/) **Published:** September 4, 2025 **Author:** leo **Excerpt:** Understand how your assumptions will impact the outcome for your client, when i comes to decumulation calculations **Content:** This video helps you understanding how your assumptions will impact the outcome for your client, when i comes to decumulation calculations. **Categories:** Decumulation, How-to --- ### [When to choose Estate or Net Worth](https://razorplan.com/guide/when-to-choose-estate-or-net-worth/) **Published:** September 6, 2025 **Author:** leo **Excerpt:** Video explaining how to optimize client outcomes in the Decumulation feature by comparing net worth vs. estate maximization strategies **Content:** Video explaining how to optimize client outcomes in the Decumulation feature by comparing net worth vs. estate maximization strategies. ## VIDEO REBRANDING TEST **Categories:** Decumulation, Retiring --- ### [Estate Maximization](https://razorplan.com/guide/estate-maximization/) **Published:** September 7, 2025 **Author:** leo **Excerpt:** Webinar showing how to use life insurance for estate enhancement and preservation in RazorPlan **Content:** Webinar showing how to use life insurance for estate enhancement and preservation in RazorPlan. **Categories:** Estate planning, Insurance --- ### [Investment Strategies](https://razorplan.com/guide/investment-strategies/) **Published:** September 9, 2025 **Author:** leo **Excerpt:** Webinar showcasing various investment strategies that can be modeled in RazorPlan **Content:** Webinar showcasing various investment strategies that can be modeled in RazorPlan. **Categories:** How-to, Investing --- ### [Capital needs](https://razorplan.com/guide/capital-needs/) **Published:** September 10, 2025 **Author:** leo **Excerpt:** Explainer video for the Capital Needs feature, which allows users to plan for future capital asset purchases **Content:** Explainer video for the Capital Needs feature, which allows users to plan for future capital asset purchases **Categories:** Cash flow, How-to --- ### [File Management](https://razorplan.com/guide/file-management/) **Published:** September 10, 2025 **Author:** leo **Excerpt:** Learn how to create, open, share, and forward client files in RazorPlan **Content:** Learn how to create, open, share, and forward client files in RazorPlan. **Categories:** General, How-to --- ### [Chart Screen in RazorPlan](https://razorplan.com/guide/chart-screen-in-razorplan/) **Published:** September 11, 2025 **Author:** leo **Excerpt:** Overview of the charts screen in RazorPlan and how to use it effectively **Content:** Overview of the charts screen in RazorPlan and how to use it effectively **Categories:** General, How-to --- ### [Getting Started with RazorPlan](https://razorplan.com/guide/getting-started-with-razorplan/) **Published:** September 10, 2025 **Author:** leo **Excerpt:** First introduction to RazorPlan **Content:** Introduction video to RazorPlan. Recommended as the first video to watch **Categories:** General **Guide categories:** FEATURED ---