Is this advice?

What this product is

• A tool that organises your inputs and runs illustrative projections through a deterministic planning engine.
• Educational decision-support to help you understand trade-offs and questions to bring to qualified professionals.
• A source of consistent deliverables (Excel, HTML) generated from one plan — with compliance disclaimers preserved.

What this product is not

• Not a licensed financial planner, investment dealer, or tax advisor.
• Not a recommendation to buy, sell, or hold any specific security or product.
• Not a guarantee of future returns, tax outcomes, or plan success.
• Not a substitute for professional advice tailored to your circumstances.

Before you act

Deploying a client-facing financial-planning tool in Canada touches financial-planner title protection, registration rules around specific investment advice, and privacy obligations under PIPEDA and provincial law. This application is structured so those obligations can be satisfied — but it does not satisfy them by itself. Operators must confirm licensing, registration, and privacy posture with legal counsel before onboarding real clients.

You must acknowledge a versioned disclaimer before intake begins. All generated deliverables carry the pipeline's compliance language unchanged.