Planning Tools for Smarter Decisions
Explore interactive calculators and strategy tools designed to help you think through investment growth, retirement readiness, corporate cash, debt planning, insurance, and group benefits with more clarity.
Explore Financial Planning Tools
Each tool gives you a starting point. The real value comes from connecting the numbers to your goals, priorities, time horizon, and overall financial strategy.
Investment Growth Calculator
Estimate how contributions, time, and long-term growth assumptions may affect future wealth.
Run this tool →Corporate Cash Surplus Calculator
Explore how excess corporate cash could potentially be positioned more strategically over time.
Review corporate cash →Retirement Scenario Modeling
Test retirement savings, income needs, time horizons, and possible future outcomes.
Model retirement →Debt Payoff Strategist
Compare debt payoff strategies and see how disciplined repayment may improve financial flexibility.
Build payoff strategy →Benefits Renewal Checker
For employers, review whether a renewal increase may be reasonable or worth a deeper analysis.
Check my renewal →Life Insurance Selector
Explore which type of coverage may better fit your family, mortgage, income, or estate needs.
Review protection →Choose the Planning Area That Matters Most Right Now
Not every planning question needs the same starting point. These tools help you begin with the area that feels most relevant today.
Not Sure Which Tool to Start With?
Begin with the financial intake. It helps identify which planning areas may deserve attention first, and gives us a clearer starting point for a personalized strategy discussion.
Planning & Strategy Centres
Explore GMFSI planning resources for retirement, investments, insurance, group benefits, estate planning, government benefits, and financial decision-making.
Know Where You Stand Before You Retire
Estimate your CPP, OAS, GIS, retirement income, and potential income gap in just a few minutes. Receive a personalized Retirement Readiness Score with practical next steps to help you retire with confidence.
Start My Retirement Income Estimate →When Should You Start CPP & OAS?
Starting benefits too early or delaying them unnecessarily could impact your retirement income, taxes, and long-term financial security. Explore key considerations before making your decision.
Explore CPP & OAS Timing Strategy →Protect What Matters Most
Explore our specialized insurance solutions designed to help protect your family, income, health, business, and financial future.
Life Insurance
Protect your family's financial future with term, permanent, universal, and participating life insurance solutions.
Explore →Disability Insurance
Help protect your income if illness or injury prevents you from working.
Explore →Critical Illness
Receive a tax-free lump sum to help manage the financial impact of a covered critical illness.
Explore →Health & Dental
Individual health, prescription drug, dental, vision, and paramedical coverage.
Explore →Travel Insurance
Emergency medical, trip cancellation, visitors to Canada, and snowbird travel protection.
Explore →Business Insurance
Key person, buy-sell funding, business overhead expense, and succession planning solutions.
Explore →