Investments & Securities

RazorPlan utilizes Corporate Investments & Securities to track the value of the corporation throughout the lifespan of the clients. This value will also flow out to the clients, in the form of dividends, to help offset the client’s Retirement Income Needs.

*To remove the flow of dividends out of the corporation, set the Solve Corporate value to ‘No’ in Solver Settings. When Solve Corporate is set to ‘Yes’, the software will pay dividends when needed and will automatically flow out RDTOH (Refundable Dividend Tax On Hand) each year.

Value: Enter the total value of all liquid corporate investments owned by the Client and/or Spouse/Partner (share ownership is defined in Share Value). Do not include the value of assets owned by a third party.

Cost Base: Enter the current cost base of all liquid corporate investments. The software will utilize this amount when calculating the tax liability from an estate and net worth perspective.

Savings: Enter the value of any planned future savings either annually or monthly as defined in the Frequency selection.

*In some cases, it is possible that clients could have periodic or fluctuating savings. In this situation, it is recommended you enter savings through the Corporate Investment Drill-Down .

Frequency: Select ‘Annual’ or ‘Monthly’ from the drop-down to define the frequency of future savings.

Index At Inflation: To specify whether future savings will grow with inflation, select ‘Yes’ or ‘No’ from the drop-down.

Fund Ins. Premiums: To have insurance premiums payable on any corporately owned life insurance withdrawn from the corporate investment account select ‘Yes’ from the drop down.

Withdrawals: RazorPlan uses a specific withdraw priority when determining how to fund the client’s income need. To specify Corporate Investments withdrawals, enter directly through the Corporate Investment Drill-Down .