How much of your retirement
income is guaranteed?

Will I have enough?

A retirement income assessment — not a calculator.
Your results are specific to your situation.
Every gap leads to the right professional for that layer of your plan.

◆
With a Professional
Advisor-guided session with professional notes
◯
Self Evaluation
Complete at your own pace
Illustrative assessment — not financial advice.
All decisions require a licensed professional.
◆ Professional Mode
This is your assessment tool.
Your name leads the report. Your role anchors the conversation. You're the coordinator — Nicole is the liquidity specialist you refer when the plan calls for it.
Your name
Your role
Nicole Andrews
Mortgage Agent — Liquidity Coordinator
CFP
Financial Planner
CPA
Accountant
SRES Realtor
Senior Real Estate
Estate Lawyer
Wills & Estates
Other
Advisor / Specialist
Firm / credentials
Phone
Email
Section 1 of 5

Who is this for?

Just mePlanning for myself
My partner and IPlanning together
Person 1
Current age
Retirement age
Section 2 of 5

Retirement income goals

From Section 1
Age 65
Desired lifestyle income
$75K /yr
$30K$75K$200K
Annual household income target. This tool shows how much is covered, from where, and how long it lasts.
CPP and OAS timing
Delay to 7042% more CPP & 36% more OAS — permanently
Take at 65Base rate — starts sooner
Already receivingCPP and/or OAS active
Additional future income?
Rental, part-time work, or other income that will become available.
$0
$0$1,250$5K
Income type
When available
Section 3 of 5

Assets and savings

Employer pension (monthly)
$0 /mo
$0$2,500$10K
Defined benefit pension. Fully taxable. Eligible for income splitting with a lower-income spouse.
TFSA
$0
$0$125K$500K
Tax-free withdrawals. Not reported on T1. Draw first.
RRSP / RRIF
$0
$0$500K$2M+
Mandatory minimums at 72 (~5.28% estimate — rate increases annually). Fully taxable.
Non-registered investments
$0
$0$500K$2M+
Capital gains at 50% inclusion. Draw after TFSA.
Section 4 of 5

Real estate

Yes — I own propertyHome equity may be part of your retirement plan
No — I rent or do not ownAnalysis will focus on income and savings
Legacy & estate readiness
Check all that apply
Permanent life insurance?
YesPolicy in place
Not yetNo current policy
Who is already part of your retirement team?
Check everyone you currently work with — this helps identify any gaps in your plan.
Analysing your retirement picture
Evaluating each subject...
Retirement Report Card
Grades your retirement plan — and maps the conversations that strengthen it.
Your plan is graded — not you.
Every grade improves with the right conversations.
Subject
Score
Plan Grade
📋
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Your grade, action plan, and income picture — sent to your inbox. Nicole reviews every submission personally.
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Illustrative assessment — not financial advice.
All decisions require a licensed professional.
◆ Retirement Bridge Plan
✉ Email Nicole — Discuss My Bridge Options
Illustrative assessment — not financial advice.
All decisions require a licensed professional.
Income Breakdown
—
estimated monthly retirement income
Retirement Report Card
Grades your retirement plan — and maps the conversations that strengthen it.
Illustrative assessment — not financial advice
This report is illustrative only. It does not constitute financial, tax, legal, or investment advice. All financial decisions should be made with a licensed CFP, CPA, or lawyer appropriate to your situation.
Your Retirement Team
Professional introductions
Prepared by Nicole Andrews · BRX Mortgage #13463
Liquidity Coordinator
Mortgage Agent — Level 2 · Lic. M20003604
Nicole Andrews
BRX Mortgage · Brokerage #13463
519-942-5400
nicole@ourmortgagelady.com
ourmortgagelady.com
How I help your retirement plan
✓Tax-free income from home equity — never appears on your T1
✓Bridge the gap before CPP and OAS arrive
✓Preserve investments — let home equity carry the early years
✓No effect on OAS, GIS, or any government benefit
HomeEquity Bank · Equitable Bank · Home Trust · Bloom Financial
Your Regional Professionals
This team card is prepared by Nicole Andrews for client distribution. Each professional is an independent practitioner in their respective field.