Will you have enough?

How much of your retirement income is guaranteed?

◯
Self Evaluation
Complete at your own pace
◆
With a Professional Advisor
Advisor-guided session with professional notes

A retirement plan assessment — not a calculator.
Your results are specific to your situation.
Every opportunity points to the professional conversation that can help you navigate that chapter.

Your responses generate a personalised plan-positioning report. The assessment is a guideline—not a full financial plan or product recommendation. The deeper analysis belongs in the office with the appropriate professional. You choose whether to share it or request an introduction. Nicole Andrews is the mortgage agent for the home-equity conversation when that resource may fit your plan.

Complimentary retirement plan assessment — not a calculator or financial advice. This guideline helps identify the professional conversation to have next. Confirm details with the appropriate 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
Housing & Aging-in-Place Specialist
Stay, adapt, move, or age in place
Estate Lawyer
Wills & Estates
Insurance & Protection Advisor
Income, care, and estate protection
Firm
Phone
Email
Section 1 of 5
Use estimates where needed. Do not enter account numbers, passwords, government ID numbers, or documents. Your results are illustrative; you remain in control of any professional introduction.

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
$30K /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
Delaying locks in a higher, permanent payout. During the wait, households may compare savings, employment income, investment withdrawals, downsizing, or home-equity options. The appropriate choice depends on the full plan.
Your CPP estimate at 65 (optional)
Your My Service Canada Account shows your own CPP estimate. Entering it replaces the national average and makes every figure in your report yours.
Not entered
Skip$500$1,000$1.5K
Leave at zero and we’ll use the Canadian average. OAS is based on years lived in Canada, not earnings, so it stays as estimated.
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
Withdrawals are generally tax-free; confirm the full situation. Review withdrawal order with a qualified professional.
RRSP / RRIF
$0
$0$500K$2M+
Mandatory minimums at 72 (age-specific minimums apply; confirm the current RRIF rules). Fully taxable.
Non-registered investments
$0
$0$500K$2M+
Capital gains at 50% inclusion. Review sequencing with a qualified professional.
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 weaknesses in your plan.
Analysing your retirement picture
Evaluating each subject...
Retirement Confidence Score
Grades your retirement plan — and maps the conversations that strengthen it.
A grade is a compass, not a verdict. A strong score isn't a reason to stop, and a low one isn't a reason to worry. What matters is the conversation it points you to.
Your next best professional conversations
RRC helps you know where to begin. The detailed analysis, recommendations, and implementation happen in the office with the appropriate professional.
Home equity deserves a seat at the planning table alongside savings, investments, pensions, government benefits, downsizing, and work income. When it is relevant, Nicole Andrews is the mortgage agent available to facilitate that conversation. It is one planning resource to compare—not a default answer or a last resort.
This is the useful part. These are the professional conversations your answers point to. The detailed analysis and recommendations belong in the office with the appropriate professional.
Every dollar figure in this assessment is a planning estimate. All estimated values are subject to verification with a licensed professional before you act on them.
Subject
Score
Plan Grade
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Your grade, action plan, and income picture — sent straight to your inbox, handy to forward to your CFP, CPA, or lawyer. If you request an introduction, only the information you approve will be shared with the professional you choose.
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Complimentary retirement plan assessment — not a calculator or financial advice. This guideline helps identify the professional conversation to have next. Confirm details with the appropriate licensed professional.
◆ Retirement Bridge Plan
✉ Email Nicole — Discuss My Bridge Options
Complimentary retirement plan assessment — not a calculator or financial advice. This guideline helps identify the professional conversation to have next. Confirm details with the appropriate licensed professional.
Income Breakdown
—
estimated monthly retirement income
Retirement Confidence Score
Grades your retirement plan — and maps the conversations that strengthen it.
Complimentary retirement readiness analysis — not financial advice
📋
Want a copy of this report?
A copy of this report, straight to your inbox. Easy to forward to your CFP, CPA, or lawyer.
No commitment · no spam · unsubscribe any time
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.
© 2026 Nicole Andrews / Our Mortgage Lady. This tool and its scoring methodology are proprietary and may not be copied or reproduced without permission.
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
✓Optional home-equity retirement-income resource — confirm tax and benefit treatment
✓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
Lenders and providers may include HomeEquity Bank, Equitable Bank, Home Trust, and 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.
© 2026 Nicole Andrews / Our Mortgage Lady. This tool and its scoring methodology are proprietary and may not be copied or reproduced without permission.