Cascades is a retirement income planning calculator that creates a report demonstrating 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.


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 algorithm

Cascades retirement income planning calculator first focuses on creating a sustainable income. It uses the most recent actuarial tables to determine one’s average mortality, and then makes sure retirement income lasts beyond this age. Then it optimizes 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, it generates a list of key factors to take into consideration.


Pricing Options for Individuals, Advisors, and Enterprise


System Requirements:

CascadesFS’ software does not currently support Apple Safari and Microsoft Edge browsers. For an optimal experience we recommend using Google Chrome.
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