Are You Looking for a Retirement Plan?

Do you want unbiased advice that works for your best interest from an organization that does not want to manage your money? 

If approaching or enjoying retirement, do you want to know:

  • what lifestyle expenditures you can afford now that you are retiring/retired?
  • how best to withdraw your savings to minimize your tax burden during retirement?
  • what impact inflation can have on your standard of living during retirement?
  • what impact various retirement dates/ages will have on your finances?   

If saving for your future retirement, do you want to know:

  • how much to save to achieve your desired standard of living?
  • how to use RRSPs, TFSAs, employer pensions, and tax-paid capital for your savings?
  • where to put your money to manage your income taxes?
  • when your savings for retirement will enable you to afford to retire?

Now you can take your retirement planning into your own hands with the...

The Canadian Retirement Planner's Software
now available for personal use

The Canadian Retirement Planner's Software was created by David Gobeil, MSc, CPA, CA, CFP®, CEA and has been the top of the line Retirement Planning Software for professionals since it's inception in 1987. Now it is available for personal use, so individuals and their families can create their own plans. 

You can prepare a sophisticated retirement plan and sort through the complexities of the Canadian Retirement System with employer pensions, government pensions, Tax-Free Savings Accounts, Registered Retirement Savings Plans, Registered Retirement Income Funds, Locked-in Retirement accounts, minimum withdrawals, age tax credits, pension income splitting, etc.

You can either use the software for yourself or hire a planner to prepare one for you.

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Saving for Retirement

You can develop a savings plan allocating your savings between your pensions, CPP/QPP, RRSPs, TFSAs, and tax-paid capital. You can test different retirement dates and examine the impact on your savings.

 "I have relied on Gobeil’s Canadian Retirement Planner's Software since 1996. It is easy to understand and use. The Gobeil team is quick on the updates and responsive to any queries. Highly recommend."  Rose Lalonde, CFP®. Forward Vision Financial Planning Group

Approaching or Enjoying Retirement

Approaching retirement, you can test different retirement dates and examine the impact on your finances. You can assess pension benefit alternatives. If retired, you can determine the lifestyle expenditures that you can afford, plan RRSP and RRIF withdrawals, and project the assets that will be remaining for your estate plan.  

“We have been using The Software since 1990 and whole heartedly endorse this software. It is easy to use but sophisticated enough to cover all situations no matter how complex. Gobeil updates it the moment any tax changes take place.” Harry Trihey, BBA, CLU®, ChFC® and Kelly Trihey, BCom, CFA®. 

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Hire a Certified Financial Planner® (CFP®)

Hire a fee-only financial planner to prepare a retirement plan for you. This allows you to manage your own investments and get advice tailored specifically to YOUR individual needs. Your plan will show you how to use your savings to meet your needs during retirement. If you are still working, it will also show you how much you will need to save and where to put your savings. 

Hi, I'm David Gobeil. I am enjoying retirement while maintaining this Software, supporting other professional retirement planners, and helping friends and family acquire the knowledge to cope with the challenges of planning for retirement.

Gobeil and Associates

“We have used Gobeil’s Canadian Retirement Planner’s Software since 1991. It is an easy-to-use program to help our clients understand where they stand with regards to achieving economic independence and peace of mind. By entering in some basic variables, we can quickly generate reports to show our clients different planning scenarios. The software is updated regularly to reflect changes to both federal and provincial tax rules. If you are looking for a program to quickly generate planning scenarios for your clients, this is the one for you.”

B.Comm., F.Pl. Quebec. DD Humes Financial Services – Investia Financial Services Inc.