Option #4

Option #4 is designed to compare a client’s Projected Capital at Retirement to their Required Capital at Retirement.

• Projected Capital at Retirement – Total liquid capital at retirement (RRSP/RRIF, Locked-In Plans, Non-Registered, TFSA and Corporate Investments & Securities).
• Required Capital at Retirement – Minimum liquid capital required to fund all future retirement goals.

*Depending on your client’s situation, this document can be displayed in several different ways; pre-retirement excess or deficiency, or post-retirement excess or deficiency.

The software will automatically modify this chart depending on client’s situation and display the appropriate results; Increase Savings, Liquidate Fixed Assets, or Asset Allocation.

• Save More – Calculated as the proportionate increase in investment savings needed to fill in future deficiencies. This is used in situations where fixed assets (not including Principal Residence) are insufficient in filling lifestyle shortfalls.
• Liquidate Fixed Assets – Calculated as the difference between Projected and Required Capital. This is used in situations where fixed assets (not including Principal Residence) are sufficient in filling lifestyle shortfalls.
• Asset Allocation – Displayed when Required Capital is less than Projected Capital and no changes to liquid capital is required.

!Actual content may vary depending on client situation.