Building the best financial plan is no trivial matter. In order to do it properly, and in a way that鈥檚 absolutely in the best interest of our clients, a set of financial planning assumptions are necessary to make. What kind of assumptions you might ask?
Things like the future rate of inflation, when your kids are likely to head to post-secondary school, what the right amount of critical illness insurance is and many more. These assumptions are made based on rigorous research by our in-house financial experts and engineers.
That said, we believe that we鈥檝e created a planning model that is聽one-size-fits-a-vast-majority-of-Canadians. If you鈥檙e in that small minority of people that have ultra unique financial circumstances, you鈥檙e in luck; our platform is flexible enough that we鈥檒l still be able to structure your financial plan so that it works for you and your situation.
CURIOUS ABOUT THE ASSUMPTIONS WE MADE ABOUT YOU?
The best financial plans are also the easiest.
Read our assumptions
You do not need to become a 鈥渇inance person鈥� to improve your finances. You do not need to memorize stock terminology, optimize every purchase, or start speaking in mysterious podcast phrases about passive income streams while holding a steel water bottle. You mostly need: clearer systems less fear slightly better habits enough understanding to make calmer decisions
Low housing prices. Lower taxes. Lower monthly costs. A slower pace of life. Maybe a suspiciously affordable lakeside condo smiling at you from a real estate listing like a trap in a fairy tale. And to be fair, affordability matters. A lot.
Track every category. Review every receipt. Color-code your life. Become the kind of person who enjoys looking at bank statements on a Sunday. For most people, that version does not stick. Not because they are bad with money. Because the setup is too fussy, too time-consuming, or too annoying to survive real life. A beginner budget does not need to be perfect. It needs to be usable.