Changing the conversation from retirement planning
to retirement income planning

Cascades is a retirement income planning calculator that once submitted, creates a report that demonstrates the value of planning advice by revealing the income tax savings of competing withdrawal strategies.

The Value of Advice

Retirement income planning is complex. Cascades eliminates this complexity and shows you the value of financial planning advice.

No Steep Learning Curve

Cascades is a cloud-based calculator, so it’s accessible anywhere with an internet connection. Simply log in to your account and complete our guided questionnaire to receive an instant report.

Fully Supported

Cascades is committed to helping Canadians and their financial advisors achieve their full potential. Our online resources help deepen practical financial planning knowledge, and our experienced team of advisors is always available to help.

Secure

Securing your data is important to us. Cascades maintains privacy and data integrity by only collecting the information it needs, and uses an industry standard TLS encryption protocol, so you can be confident that the information you submit is kept safe.

How the calculation process works

It all starts with a unique planning philosophy

Our strategies first focus on a creating a sustainable income. We use the most recent actuarial tables to determine one’s average mortality, and then make sure retirement income lasts beyond this age. Then we optimize projected cash flows by comparing three competing withdrawal strategies to determine which accounts should be drawn down first and which are better left last. After that, we generate a list of key factors to take into consideration.

Answer The Questions

Our fact find questionnaire is cross-platform, making it easy to access from any device. It is intuitive, asking only the questions that are relevant to the retirement income plan at hand.

Let Us Help

Cascades provides helpful suggestions as you work your way through our questionnaire, making it a great educational resource.

The Results

Cascades provides a summary of competing withdrawal strategies, a clear breakdown of retirement income, key planning considerations, and long term financial projections.