Will you have enough?

How much of your retirement income is guaranteed?

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.

◯
Self Evaluation
Complete at your own pace
◆
With a Professional Advisor
Advisor-guided session with professional notes
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
Realtor
Buying, selling, and right-sizing
Estate Lawyer
Wills & Estates
Insurance & Protection Advisor
Income, care, and estate protection
Mobility Contractor
Accessible home modifications
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

Your retirement, your way

Before we look at what you have, tell us what you want. Your grade measures whether your resources can deliver your plan, not someone else's idea of retirement. Exact amounts give you exact answers.

Household total, before tax, in today's dollars. Include housing, groceries, travel, hobbies, gifts, everything you plan to spend in a typical month.
Enter the monthly income you want, even a best guess.
2. What else do you want your money to do?
One-time or big-ticket wishes. Enter an amount for any that apply and the age you'd like it to happen. Leave blank if it doesn't apply.
GoalAmountAt age
Travel or bucket list
Home renovation or accessibility
Vehicle replacement
Future care costs reserve
3. Legacy: when do you want your family to benefit?
Some people want to see their family enjoy it. Others want to leave it behind. Many want a bit of both.
Now, while I can see itA living inheritance: help with a home, education, or a fresh start
Later, as an inheritanceLeft to family or causes through my estate
BothSome now, some later
Not a priorityMy retirement comes first; whatever is left is a bonus
4. Do you have life insurance?
Include personal and work coverage. If you have more than one policy, choose the main one and enter your total coverage.
PermanentWhole life or universal life, lasts for life
TermCoverage for a set number of years
Group, through workOften ends when you retire
No life insuranceOr not sure
This goes at the top of your report so every professional you meet knows what matters to you.
Section 3 of 5

Income you can count on

Now the other side of the ledger: the income that arrives every month no matter what markets do.

From Sections 1 and 2
Age 65
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.
Leave blank 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.
Income type
When available
Section 4 of 5

Savings and investments

Enter today's balances. Use your latest statements for exact figures.

Defined benefit pension. Fully taxable. Eligible for income splitting with a lower-income spouse.
Withdrawals are generally tax-free; confirm the full situation. Review withdrawal order with a qualified professional.
Mandatory minimums at 72 (age-specific minimums apply; confirm the current RRIF rules). Fully taxable.
Capital gains at 50% inclusion. Review sequencing with a qualified professional.
Section 5 of 5

Your home, estate, and team

Do you own your home?
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 each one that is true today.
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...
Your Retirement, Your Way
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
Want this emailed to you?
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
Your Retirement, Your Way
Can your money deliver the retirement you want? A plain-language check, and who can help.
not financial advice
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A copy of this report, straight to your inbox. Easy to forward to your CFP, CPA, or lawyer.
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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 Finance
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.