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# RazorPlan

Financial plans your clients will understand

## Sitemaps

- [XML Sitemap](https://razorplan.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Improve Client Investment Planning with RazorPlan's New Individual Assets Feature](https://razorplan.com/improve-client-investment-planning-with-razorplans-new-individual-assets-feature/) - With the latest RazorPlan release, we've introduced a new Entry Type option across all investment data entry areas including corporate investments.
- [Protecting your Legacy: Planning for Private Company Shares](https://razorplan.com/protecting-your-legacy-planning-for-private-company-shares/) - When a shareholder passes away, the financial and tax implications for their estate can be substantial. Using RazorPlan Advanced, advisors can identify solutions.
- [Why business owners’ biggest planning gap comes after the sale](https://razorplan.com/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 is creating significant advice opportunities in the market.
- [Optimizing your Retirement Strategy with RazorPlan Decumulation](https://razorplan.com/optimizing-your-retirement-strategy-with-razorplan-decumulation/) - 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.
- [Report Customization: Your Brand. Your Reports. Perfectly Aligned!](https://razorplan.com/new-feature-report-customization/) - 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.
- [Why time, not talent, is now advisors' biggest planning challenge](https://razorplan.com/why-time-not-talent-is-now-advisors-biggest-planning-challenge/) - 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 at Scale: Meeting Rising Client Expectations](https://razorplan.com/financial-planning-at-scale-meeting-rising-client-expectations/) - 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.
- [Razor Leads: Client Acquisition Tool](https://razorplan.com/razorleads/) - 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.
- [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/) - 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.
- [Get More Out of RazorPlan - 4 Tips](https://razorplan.com/get-more-tips/) - 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.
- [Savings and Retirement Projections](https://razorplan.com/savings-and-retirement-projections/) - 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...
- [RRSP Calculator](https://razorplan.com/rrsp-calculator/) - RazorPlan's RRSP calculator estimates the future value of an RRSP investment given various assumptions.
- [RRSP Loan](https://razorplan.com/rrsp-loan/) - 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.
- [TFSA vs. RRSP](https://razorplan.com/tfsa-vs-rrsp/) - The TFSA vs. RRSP calculator is designed to compare investing in the 2 most popular tax-assisted investment available to Canadians.
- [RRSP vs. Mortgage](https://razorplan.com/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.
- [RRIF Calculator](https://razorplan.com/rrif-calculator/) - 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.
- [When Should you Engage a Financial Planner?](https://razorplan.com/engage-financial-planner/) - 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.
- [Cash Flow Planning - Beyond Budgeting](https://razorplan.com/cash-flow-planning/) - 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
- [RRSP vs. Non-RRSP](https://razorplan.com/rrsp-vs-non-rrsp/) - RazorPlan's RRSP vs. Non-RRSP Calculator compares investing in a tax deferred account versus investing in a taxable account.
- [Gathering Client Data](https://razorplan.com/gathering-client-data/) - Data gathering is one of the most important steps in any financial analysis. The RazorPlan Fact Finder and Application Worksheets can help.
- [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/) - 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.
- [Who to Follow in Canadian Finance](https://razorplan.com/canadian-finance-influencers/) - 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.
- [Zero to One - by Peter Thiel](https://razorplan.com/zero-to-one/) - 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.
- [RRSP Planning Made Easy](https://razorplan.com/rrsp-planing-made-easy/) - 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.
- [Practice Management - Top Reads](https://razorplan.com/practice-management-top-reads/) - 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.
- [Planning as a Concept](https://razorplan.com/planning-concept/) - 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.
- [Personal Finance / Cashflow - Top Reads](https://razorplan.com/top-reads-personal-finance-cashflow/) - 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.
- [Planning as a Concept: Risk Management](https://razorplan.com/risk-management-planning-concept/) - 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.
- [Planning as a Concept: Investment Management](https://razorplan.com/investment-management-planning-concept/) - 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.
- [Planning as a Concept: Financial Management](https://razorplan.com/financial-management-planning-as-a-concept/) - 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.
- [Planning as a Concept: Estate Planning](https://razorplan.com/estate-planning-concept/) - 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.
- [Planning as a Concept: Retirement Planning](https://razorplan.com/retirement-planning-concept/) - 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.
- [Planning as a Concept: Tax Planning](https://razorplan.com/tax-planning-concept/) - 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).
- [RazorPlan Plus – Take Your Practice to the Next Level](https://razorplan.com/video-razorplan-plus/) - 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.
- [See RazorPlan's Top 10 Features In Action](https://razorplan.com/top-10-feature-videos-in-action/) - Mike Howe, CFP Customer Success Manager at RazorPlan, Objectway A 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 with Decumulation – Getting Started](https://razorplan.com/razorplan-with-decumulation/) - 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.
- [2025: RazorPlan rebranding](https://razorplan.com/razorplan-rebranding-2025/) - 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.

## Pages

- [RazorPlan Homepage](https://razorplan.com/) - Financial Planning for Retirement: create and simulate Investment scenarios, Future Income, Tax impacts, and find optimal Saving Account with your contributions
- [Register For A Live Demonstration (webinars)](https://razorplan.com/demonstration/) - 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
- [RazorPlan Partner: IFB (FR)](https://razorplan.com/fr/razorplan-partner-ifb-fr/) - EN | FR RazorPlan and IFB Commencez dès aujourd’hui avec RazorPlan et aidez vos clients à se concentrer sur l’essentiel. Obtenez un essai gratuitSe connecter 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
- [RazorPlan Partner: IFB](https://razorplan.com/ifb/) - EN | FR RazorPlan and IFB Get started with RazorPlan today and help your clients focus on what’s important. Start My Free TrialLog In 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
- [RazorPlan Partner: Qualified Financial Services (FR)](https://razorplan.com/fr/razorplan-partner-qualified-financial-services/) - EN | FR RazorPlan and Qualified Financial Services Commencez dès aujourd’hui avec RazorPlan et aidez vos clients à se concentrer sur l’essentiel. Obtenez un essai gratuitSe connecter 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
- [RazorPlan Partner: Qualified Financial Services](https://razorplan.com/qfs/) - EN | FR RazorPlan and Qualified Financial Services Get started with RazorPlan today and help your clients focus on what’s important. Start My Free TrialLog In 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
- [RazorPlan Partner: Nest Wealth Plus (FR)](https://razorplan.com/fr/razorplan-partner-nest-wealth-plus/) - EN | FR RazorPlan and Nest Wealth Plus Commencez dès aujourd’hui avec RazorPlan et aidez vos clients à se concentrer sur l’essentiel. Obtenez un essai gratuitSe connecter 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
- [RazorPlan Partner: Nest Wealth Plus](https://razorplan.com/nestwealthplus/) - EN | FR RazorPlan and Nest Wealth Plus Get started with RazorPlan today and help your clients focus on what’s important. Start My Free TrialLog In 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
- [Partner Training: Serenia Life (FR)](https://razorplan.com/fr/partner-training-serenia-life-fr/) - EN | FR Formation RazorPlan Des webinaires enregistrés pour les conseillers Serenia Life. RazorPlan – Les basesPlanification d'assurance vieProjections de retraiteScénarios et allocation des retraitsPlanification d'entrepriseComprendre les hypothèses 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
- [Partner Training: Serenia Life](https://razorplan.com/training-serenia-life/) - EN | FR RazorPlan Training A series of recorded webinars for Serenia Life advisors. RazorPlan FundamentalsLife Insurance PlanningRetirement PlanningScenarios and Allocate WithdrawalsCorporate PlanningUnderstanding Assumptions 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
- [RazorPlan Partner: Financial Horizons (FR)](https://razorplan.com/fr/financial-horizons/) - EN | FR RazorPlan and Financial Horizons Commencez dès aujourd’hui avec RazorPlan et aidez vos clients à se concentrer sur l’essentiel. Obtenez un essai gratuitSe connecter 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
- [RazorPlan Partner: Financial Horizons](https://razorplan.com/financialhorizons/) - EN | FR RazorPlan and Financial Horizons Get started with RazorPlan today and help your customers focus on what’s important. Start My Free TrialLog In 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
- [RazorPlan Partner: PPI (FR)](https://razorplan.com/fr/razorplan-partner-ppi-fr/) - EN | FR RazorPlan and PPI Commencez dès aujourd’hui avec RazorPlan et aidez vos clients à se concentrer sur l’essentiel. Obtenez un essai gratuitSe connecter 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
- [RazorPlan Partner: PPI](https://razorplan.com/ppi/) - EN | FR RazorPlan and PPI Get started with RazorPlan today and help your clients focus on what’s important. Start My Free TrialLog In 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
- [RazorPlan Partner: IDC Worldsource (FR)](https://razorplan.com/fr/partner-idc-worldsource/) - EN | FR RazorPlan and IDC Worldsource Commencez dès aujourd’hui avec RazorPlan et aidez vos clients à se concentrer sur l’essentiel. Obtenez un essai gratuitSe connecter 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
- [RazorPlan Partner: IDC Worldsource](https://razorplan.com/idcworldsource/) - EN | FR RazorPlan and IDC Worldsource Get started with RazorPlan today and help your clients focus on what’s important. Start My Free TrialLog In 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
- [RazorPlan Partner: Raymond James (FR)](https://razorplan.com/fr/raymond-james/) - EN | FR RazorPlan and Raymond James Commencez dès aujourd’hui avec RazorPlan et aidez vos clients à se concentrer sur l’essentiel. Obtenez un essai gratuitSe connecter 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
- [RazorPlan Partner: Raymond James](https://razorplan.com/raymondjames/) - EN | FR RazorPlan and Raymond James Get started with RazorPlan today and help your clients focus on what’s important. Start My Free TrialLog In 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
- [RazorPlan Partner: HUB Financial (FR)](https://razorplan.com/fr/hub-financial/) - EN | FR RazorPlan and HUB Financial Commencez dès aujourd’hui avec RazorPlan et aidez vos clients à se concentrer sur l’essentiel. Obtenez un essai gratuitSe connecter 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
- [RazorPlan Partner: HUB Financial](https://razorplan.com/hubfinancial/) - EN | FR RazorPlan and HUB Financial Get started with RazorPlan today and help your clients focus on what’s important. Start My Free TrialLog In 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
- [Partner Training: Raymond James](https://razorplan.com/training-raymondjames/) - RazorPlan Training A series of recorded webinars for Raymond James advisors. RazorPlan FundamentalsRazorPlan Applications – RESP PlannerRetirement ProjectionsScenarios and Allocate WithdrawalsInsurance PlanningCorporate PlanningRazor Leads 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
- [RazorPlan Partner: Aligned Capital Partners](https://razorplan.com/alignedcapitalpartners/) - RazorPlan and Aligned Capital Partners Get started with RazorPlan today and help your clients focus on what’s important. Start My Free TrialLog In 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
- [Financial Calculators](https://razorplan.com/financialcalculators/) - Financial calculators Get answers to your clients’ most pressing financial questions Free 30 day trialRequest a demo 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
- [The Essential Decumulation Toolkit](https://razorplan.com/decumulation-tool-kit-retirement-planning/) - Retirement income planning unveiled Free 30 day trialRequest a demo The complete guide to create a retirement income planning experience your clients will value and act on. What is the KitCollect Client DataFinancial AssessmentGovernment benefitsWhat Matters MostIncome PlanningLegacy Planning What is the Essential Decumulation Toolkit For most clients, retirement planning is about the accumulation of
- [Client Questionnaires](https://razorplan.com/clientquestionnaires/) - Questionnaires Fact finders to streamline the planning process Free 30 day trialRequest a demo 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.
- [Training and Guides](https://razorplan.com/training/) - Training Master your planning with RazorPlan guides Free 30 day trialRequest a demo 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 GUIDE AllFEATURED Premiers pas avec RazorPlanGénéralPremiers pas avec RazorPlanVidéo de présentation de RazorPlan. Recommandée comme
- [Blog post landing](https://razorplan.com/blog/) - Blog – Posts & News Articles to help you understand financial planning and RazorPlan Free 30 day trialRequest a demo Financial PlanningInsuranceInvestmentsRetirementRRSP Improve Client Investment Planning with RazorPlan’s New Individual Assets FeatureFinancial PlanningImprove Client Investment Planning with RazorPlan’s New Individual Assets FeatureMike Howe2026-07-21 Why business owners’ biggest planning gap comes after the saleFinancial PlanningWhy business
- [Sample Reports](https://razorplan.com/sample-reports/) - Sample Reports Every client is unique with RazorPlan Reports Free 30 day trialRequest a demo 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
- [About us](https://razorplan.com/about-us/) - About us – Contact – Support Pioneers keep moving on Free 30 day trialRequest a demo 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
- [Financial calculators - Calculateurs Financiers](https://razorplan.com/fr/calculateurs-financiers/) - Calculateurs financiers Obtenez des réponses aux questions financières les plus urgentes de vos clients Essai gratuit de 30 joursRéservez une démo 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
- [Client Questionnaires - Questionnaires clients](https://razorplan.com/fr/questionnaires/) - Questionnaires “Formulaires client” pour simplifier le processus de planification Essai gratuit de 30 joursRéservez une démo 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
- [The Essential Decumulation Toolkit - La boîte à outils essentielle de décumulation](https://razorplan.com/fr/boite-a-outils-de-decaissement/) - La planification du revenu de retraite dévoilée Essai gratuit de 30 joursRéservez une démo 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?Collecter des donnéesÉvaluation financièrePrestations gouvernementalesCe qui compte le plusPlanification des revenusPlanification successorale Qu’est-ce que le Kit de Décaissement essentiel?
- [Blog - Articles et actualités](https://razorplan.com/fr/blog-fr/) - Blogue – Articles et Actualités Articles pour vous aider à comprendre la planification financière et RazorPlan Essai gratuit de 30 joursRéservez une démo Le contenu du blogue est uniquement disponible en anglais. Accéder au blog (Anglais) Engagez vos prospects. Évaluez leurs besoins. Offrez des résultats concrets. Essai gratuit de 30 joursRéservez une démo RazorPlan is
- [Training and Guides - Formation et guides](https://razorplan.com/fr/formation-et-guides/) - Formation Maîtrisez votre planification avec les guides RazorPlan. Essai gratuit de 30 joursRéservez une démo 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 GUIDES AllFEATURED
- [Sample Reports - Exemples de rapports](https://razorplan.com/fr/exemples-de-rapports/) - Exemples de rapports Chaque client est unique avec les rapports RazorPlan Essai gratuit de 30 joursRéservez une démo 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,
- [About - À propos de nous](https://razorplan.com/fr/a-propos/) - À propos – Contact – Support Les pionniers continuent d’avancer Essai gratuit de 30 joursDemander une démo 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
- [Créez des plans financiers que vos clients comprendront](https://razorplan.com/fr/) - 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 joursRéservez une démo Fast, Flexible Plan Creation Build complete financial plans and scenarios in
- [Features - Fonctionnalités](https://razorplan.com/fr/fonctionnalites/) - Fonctionnalités Moins de temps à élaborer des plans. Plus de temps à instaurer la confiance. Essai gratuit de 30 joursRéservez une démo 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
- [Features](https://razorplan.com/features/) - Features Less Time Building Plans. More Time Building Trust. Free 30 day trialRequest a demo 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
- [Cookie Policy - Politique en matière de cookies](https://razorplan.com/fr/politique-en-matiere-de-cookies/) - 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
- [Privacy Policy - Politique de confidentialité](https://razorplan.com/fr/politique-de-confidentialite/) - 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
- [Privacy Policy](https://razorplan.com/privacy-policy/) - 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
- [Cookie Policy](https://razorplan.com/cookie-policy/) - 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
- [Inscrivez-vous à une démonstration en direct (webinaires)](https://razorplan.com/fr/inscrivez-vous-a-une-demonstration-en-direct-webinaires/) - 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
- [Conditions d’utilisation](https://razorplan.com/fr/conditions-dutilisation/) - Updated: August 07, 2025 Conditions d’utilisation RAZOR ET UTILISATEURS FINAUX 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
- [Terms of Use](https://razorplan.com/terms-of-use/) - Updated: August 07, 2025 Terms of Use RAZOR AND END USERS 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
- [Accessibility statement - Déclaration d'accessibilité](https://razorplan.com/fr/declaration-daccessibilite/) - 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, en accord avec le Accessibility for Ontarians with Disabilities Act (AODA). Nous suivons un plan d’amélioration continue de l’accessibilité du site web de RazorPlan ; vos commentaires
- [Accessibility statement](https://razorplan.com/accessibility/) - 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, in alignment with the Accessibility for Ontarians with Disabilities Act (AODA). We follow a plan to continuously improve the accessibility of RazorPlan website; your feedback is valuable in further
- [Princing - Tarifs](https://razorplan.com/fr/tarifs/) - 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
- [Pricing](https://razorplan.com/pricing/) - 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
- [Partner Training: Raymond James (FR)](https://razorplan.com/fr/partner-training-raymond-james-fr/) - Formation RazorPlan Des webinaires enregistrés pour les conseillers Raymond James. RazorPlan – Les basesRazorPlan Applications – Planificateur REEEProjections de retraiteScénarios et allocation des retraitsPlanification d'assurancePlanification d'entrepriseRazor Leads 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
- [RazorPlan Partner: Aligned Capital Partners (FR)](https://razorplan.com/fr/razorplan-partner-aligned-capital-partners/) - RazorPlan and Aligned Capital Partners Commencez dès aujourd’hui avec RazorPlan et aidez vos clients à se concentrer sur l’essentiel. Obtenez un essai gratuitSe connecter 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
- [FAQ (FR)](https://razorplan.com/fr/faq-foire-aux-questions/) - COMMENT FAIRE ET FAQ FAQ – Foire aux questions CommencerCompte et AccèsSaisie de données et saisie des informations clientAnalyseRapportsImplémentation et CollaborationConformité et sécurité des donnéesDépannage et assistance 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
- [Planning as a Concept](https://razorplan.com/fpconcept/) - Planning as a Concept Click here to download your guide 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.
- [Thank you for signing up for the trial period (FR)](https://razorplan.com/fr/thank-you-fr/) - 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
- [Razor Academy: Overview](https://razorplan.com/razor-academy/) - 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. Razor Academy includes a library of client situations and concepts
- [Razor Academy: Overview - Razor Académie](https://razorplan.com/fr/razor-academie/) - 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. Razor Academy
- [FAQ](https://razorplan.com/faq/) - HOW-TO & FAQ FAQs – Frequently Asked Questions Getting StartedAccount & AccessData Entry & Inputting Client InformationAnalysisReportingImplementation & CollaborationCompliance & Data SecurityTroubleshooting & Support 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
- [Thank you for signing up for the trial period](https://razorplan.com/thank-you/) - 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
- [Planning as a Concept -  La planification en tant que concept](https://razorplan.com/fr/la-planification-en-tant-que-concept/) - La planification en tant que concept Click here to download your guide 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
- [Razorplan-homepage-fr](https://razorplan.com/fr/razorplan-homepage-fr/) - Créez des plans financiers que vos clients comprendront Free 30 day trialRequest 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

## Guides

- [Fonctionnalités avancées de RazorPlan](https://razorplan.com/fr/guide/fonctionnalites-avancees-de-razorplan/) - Cette courte vidéo présente les fonctionnalités de RazorPlan Advanced.
- [Choisir le bon âge](https://razorplan.com/fr/guide/choisir-le-bon-age/) - 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.
- [Démarrer avec RazorPlan Decumulation](https://razorplan.com/fr/guide/demarrer-avec-razorplan-decumulation/) - Vidéo de présentation de RazorPlan Decumulation. Recommandée aux abonnés de RazorPlan Decumulation.
- [Quand choisir la succession ou la valeur nette](https://razorplan.com/fr/guide/quand-choisir-la-succession-ou-la-valeur-nette/) - 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.
- [Maximisation du patrimoine](https://razorplan.com/fr/guide/maximisation-du-patrimoine/) - Webinaire montrant comment utiliser l’assurance-vie pour l’amélioration et la préservation du patrimoine dans RazorPlan.
- [Régimes de retraite assurés](https://razorplan.com/fr/guide/regimes-de-retraite-assures/) - Webinaire expliquant la stratégie du régime de retraite assuré utilisant une assurance-vie permanente dans une société privée et comment la modéliser dans RazorPlan.
- [Stratégies d'investissement](https://razorplan.com/fr/guide/strategies-dinvestissement/) - Webinaire présentant diverses stratégies d’investissement pouvant être modélisées dans RazorPlan.
- [Premiers pas avec RazorPlan](https://razorplan.com/fr/guide/premiers-pas-avec-razorplan/) - Vidéo de présentation de RazorPlan. Recommandée comme première vidéo à regarder.
- [Besoins en capitaux](https://razorplan.com/fr/guide/besoins-en-capitaux/) - Vidéo explicative sur la fonctionnalité Besoins en capital, qui permet aux utilisateurs de planifier leurs futurs achats d'actifs en capital
- [Gestion des fichiers](https://razorplan.com/fr/guide/gestion-des-fichiers/) - Découvrez comment créer, ouvrir, partager et transférer des fichiers clients dans RazorPlan.
- [Flux de trésorerie avant la retraite](https://razorplan.com/fr/guide/flux-de-tresorerie-avant-la-retraite/) - Vidéo explicative sur la fonctionnalité Flux de trésorerie avant la retraite, qui permet d'allouer et d'optimiser les revenus avant la retraite
- [Écran graphique dans RazorPlan](https://razorplan.com/fr/guide/ecran-graphique-dans-razorplan/) - Présentation de l'écran des graphiques dans RazorPlan et comment l'utiliser efficacement
- [RazorPlan - Version "Cash Flow"](https://razorplan.com/fr/guide/razorplan-version-cash-flow-fr/) - Présentation des nouvelles fonctionnalités de la version « Cash Flow » de RazorPlan.
- [RazorPlan Advanced Features](https://razorplan.com/guide/razorplan-advanced-features/) - Highlighting the features of RazorPlan Advanced
- [Insured Retirement Plans](https://razorplan.com/guide/insured-retirement-plans/) - Webinar explaining the Insured Retirement Plan strategy using permanent life insurance in a private corporation, and how to model it in RazorPlan
- [Pre-Retirement Cash Flow](https://razorplan.com/guide/pre-retirement-cash-flow/) - Explainer video for the Pre-Retirement Cash Flow feature, which helps allocate and optimize income before retirement
- [RazorPlan - "Cash Flow" release](https://razorplan.com/guide/razorplan-cash-flow-release/) - Introducing the RazorPlan "Cash Flow" release new features.
- [Getting Started with RazorPlan Decumulation](https://razorplan.com/guide/getting-started-with-razzorplan-decumulation/) - Introduction video to RazorPlan Decumulation. Recommended for subscribers of RazorPlan Decumulation
- [Selecting the Right Age](https://razorplan.com/guide/selecting-the-right-age/) - Understand how your assumptions will impact the outcome for your client, when i comes to decumulation calculations
- [When to choose Estate or Net Worth](https://razorplan.com/guide/when-to-choose-estate-or-net-worth/) - Video explaining how to optimize client outcomes in the Decumulation feature by comparing net worth vs. estate maximization strategies
- [Estate Maximization](https://razorplan.com/guide/estate-maximization/) - Webinar showing how to use life insurance for estate enhancement and preservation in RazorPlan
- [Investment Strategies](https://razorplan.com/guide/investment-strategies/) - Webinar showcasing various investment strategies that can be modeled in RazorPlan
- [Capital needs](https://razorplan.com/guide/capital-needs/) - Explainer video for the Capital Needs feature, which allows users to plan for future capital asset purchases
- [File Management](https://razorplan.com/guide/file-management/) - Learn how to create, open, share, and forward client files in RazorPlan
- [Chart Screen in RazorPlan](https://razorplan.com/guide/chart-screen-in-razorplan/) - Overview of the charts screen in RazorPlan and how to use it effectively
- [Getting Started with RazorPlan](https://razorplan.com/guide/getting-started-with-razorplan/) - First introduction to RazorPlan