u/AdviicePlatform

Hi Everyone!

We're investigating an issue with the Stripe Billing Portal. Some users have reported an issue with accessing the billing portal. We're investigating now.

We will post here when we have a resolution.

Thank you!

Adviice Support Team

Hi Everyone!

Half of our support team will be on vacation this week (there are only two of us!).

We will do our best to maintain our speedy replies, but if you do notice that our responses are slightly slower than usual just know that it's only temporary.

Thank you!

Adviice Support Team

Hi everyone!

We've officially launched a new CPP/QPP estimator tool at cppestimate.ca (or qppestimate.ca). Before we integrate it into the Adviice platform we are looking for some help from the community to test it and let us know what you think.

We built this to be as comprehensive as possible. Here is what is included:

• CPP/QPP General Drop Out: Already part of the original model.
• CPP/QPP Enhancement: Already part of the original model.
• Full QPP Integration: New QPP functionality for our Quebec users, including age 72 deferral modeling.
• Drop-Out Provisions: New Child-Rearing Drop-Outs (CRDO) and Disability Drop-Outs (DDO).
• Side-by-side Comparisons: Compare your Service Canada estimates directly against your Adviice estimate.
• Breakeven Estimate: Explore CPP/QPP breakeven with an estimated breakeven point, including the opportunity cost of investment returns.
• Data Import/Document Upload: Upload your CPP/QPP document and the tool will parse the details, import the data, and fill in the fields for you (or just add "My Earnings" manually if you don't want to share your document)
• CPP Max & CPP Average: Explore the maximum and average benefit amounts. Remember that CPP Max is getting bigger over time... https://cppestimate.ca/articles/cpp-max-will-be-huge

Right now, we've launched it for free as a standalone tool, but we will integrate it with the full Adviice model in 4-8 weeks after receiving feedback.

We want to gather as much community feedback as possible before fully integrating it into the Adviice platform so please use the "Share Feedback" button at the bottom of the page to provide us with feedback, requests, or ideas.

We wanted to thank all the users who sent us CPP & QPP examples. The QPP examples were particularly helpful, as were the examples with CRDO and DDO. All examples from users who had just started their CPP benefit really helped us validate the detailed modeling. CPP/QPP is incredibly complex when you get into the details. We've done a lot of testing and benchmarking, but please let us know if you have any feedback.

Please give it a try! Thanks in advance for the help!

https://preview.redd.it/slix2gz5xyjh1.png?width=2286&format=png&auto=webp&s=0a69e6131aa8d2faf75335462163caeb3a30049a

Hi Everyone,

Some of you may have already noticed that we've added some new features and improvements to the platform this morning.

This may require a page refresh.

You'll find a summary of all the changes below. As always, we've done a lot of testing but please let us know if you notice anything.

Thank you for all your feature requests and feedback!

Thank you!

Adviice Support Team

Deployment Summary:

• Add Multiple Pensions
  • You now have the option in Discovery > Tax & Benefits to add multiple pensions. This new functionality will be perfect for adding additional deferred pensions and/or foreign pensions.
  • You can also name your pensions individually to help keep track of multiple pensions
  • To add a pension, use the + symbol and add the pension details. The platform needs to know the owner of the pension to include it in the plan.

https://preview.redd.it/ykehmxogzyeh1.png?width=1109&format=png&auto=webp&s=91d44e2ca0b241aa3ec49691015b60da3ea19c94

• Adjust Pensions in Advanced Options on a Scenario by Scenario Basis
  • You will now have the option to adjust pension values on a scenario by scenario basis in Planning > Projections > Advanced Options
  • This new functionality will make it extremely easy to start with a base pension assumption in Discovery but adjust that assumption in a scenario for an earlier or later retirement or with an earlier or later pension start date etc. etc.
  • All pension parameters can now be adjusted scenario by scenario in Advanced Options

https://preview.redd.it/rjcxophizyeh1.png?width=1800&format=png&auto=webp&s=5bdd4eb742ca093f8365a6ad6750ba0f6df025f7

• Indicate Income Splitting Eligibility
  • You now have the option of indicating if the pension is eligible for income splitting or not. This feature will be helpful for certain foreign pensions that may not be eligible for income splitting.

https://preview.redd.it/fu2cmuxjzyeh1.png?width=781&format=png&auto=webp&s=6e9eefb3b5a3af16e612f3591b6bee693a299b57

• Additional Visibility in Planning > Projection > Table
  • You will still see a Total Defined Benefit Pension column in the Projection Table but will also be able to drill down by using the ">" arrow to see the separate contributions and payments. This provided additional visibility into pension contributions vs pension payments, especially in the year the pension starts.

https://preview.redd.it/p2yl7x1lzyeh1.png?width=1322&format=png&auto=webp&s=f3aa235812fbb28e31eae3bdcf3b67775ee7ae17

• Improvements:
  • Tax & Benefit Rates Updated: The tax and benefit rates have been updated for recent provincial and federal legislation changes.
  • Pension Contributions in Year of Retirement: Pension contributions will now extend into the year of retirement up until the month that the pension starts (or the retirement date/age whichever is earlier)
  • Display Error on Old Locked Scenarios from 2023 & 2024: The recent real estate appreciation rate warning message was causing a display error on old locked scenarios from 2023 and 2024, this front end issue was corrected and those scenarios should no longer cause an error.
  • GIS Maximization Strategy Update: Updated the GIS Maximization strategy for specific situations with a Spousal-RRSP for an older partner with a large age gap.
  • ESPP in the Estate: Updated the estate and rollover for specific situations where there was a very large Employee Share Purchase Plan account remaining at the end of the projection.

Hi Everyone!

When we launched Adviice our goal was to provide professional level financial planning software to DIY investors at a price that everyone could afford. We didn’t know how many people would be interested in something like Adviice but we’ve been thrilled with the positive response over the last 18-24 months.

What we’ve learned is there’s a huge group of Canadians that are eager to join us for monthly webinars, share their plans here in the community, and run nearly a million financial scenarios every single month.

But one of the other things we’ve learned is there’s a group of users that needs extra support beyond just the platform itself.

Retirees with less than $500,000 in financial assets (including pension value) often find themselves in a unique circumstance. The retirement planning that would be most beneficial to them can be heavily focused on managing GIS clawbacks and income tax amounts. This type of planning can be complex and even counterintuitive, especially to those who are new to the world of financial planning. These low-income retirement planning strategies are often the opposite of what they’re seeing in YouTube videos, forums, books etc. which often focus on situations with $1M+ or do not include GIS benefits at all.

As advice-only planners, we’ve worked with many people in this situation, and to add to the complexity of their planning, they often get wrong or conflicting advice from their bank advisor, all while paying 2%+ MER on their bank mutual fund portfolio. 

The worst part is that these missed opportunities can have a very big impact on their retirement plan. The wrong drawdown strategy can cost tens of thousands in lost GIS benefits. 

This is why we’re creating a new YouTube channel, website, and platform called AdviiceLite. 

The AdviiceLite platform functionality is exactly the same as Adviice, but the onboarding videos and educational materials are all tailored to the strategies and needs of “low-income retirement planning”.

We’re also adding two additional 1:1 support options. Users of AdviceLite can choose any level of support that fits them the best:   

• Level 1: Start your Plan on AdviiceLite: $49/year for unlimited low-income retirement scenarios & AI Strategies focused on GIS planning.
• Level 2: Validate your Plan: Review your plan with an advice-only CFP for $499. This is an optional 2-hour “mini” engagement with an advice-only financial planner to help validate the plan and start putting it into action.
• Level 3: Execute your Plan: Ongoing retirement planning integrated with low-cost robo-investing for a total fee of just 1%. Includes up to two dedicated retirement planning calls per year at no extra cost plus integrated investment management from our robo-advisor partner. This is the same 1% all-in-fee that is typically reserved for wealth management clients but is now available to this underserved community.

As an Adviice user, what changes for you?
Absolutely nothing. You can continue to access Adviice, our webinars, and our community for just $49/year.

How can you help?
So many of you have been amazing advocates for Adviice. If you have people within your lives that fall within this “low-income retirement planning” segment, and you think they could benefit from this type of planning, share the AdviiceLite website and YouTube channel with them.

Website: https://adviicelite.ca/
YouTube: https://www.youtube.com/@AdviiceLite

As always, thank you so much for your support!

Hi Everyone,

Some of you may have already noticed that we've added some new features and improvements to the platform this morning.

This may require a page refresh.

You'll find a summary of all the changes below. As always, we've done a lot of testing but please let us know if you notice anything.

Thank you for all your feature requests and feedback!

Thank you!

Adviice Support Team

Real Asset Appreciation Rate

• You can now set a specific appreciation rate for real assets. This can be done globally or for specific assets. By default, existing accounts will have "Inflation" as the default (the original assumption), but new accounts will use the new FP Canada "Real Estate Appreciation Rate" of 3.1% as the default.
• A word of caution: Because real estate assets are often high value, even a small difference in appreciation rate versus inflation can lead to a large change over a 30-50 year projection.
• Global Setting: In Discovery > Assets you can change the global real estate appreciation rate across all real assets. You can choose either Inflation Rate 2.1%, Real Estate Appreciation Rate 3.1%, or Custom Rate. If you choose Custom Rate you can enter either a negative or positive rate.

https://preview.redd.it/38zqig0vte9h1.png?width=1514&format=png&auto=webp&s=2c8e9530e6a50b976ce3804033e6ed9e5f9dd261

• Asset by Asset Setting: In Planning > Projections > Advanced Options you can also change the real estate appreciation rate asset by asset.

https://preview.redd.it/kifjhm2wte9h1.png?width=1796&format=png&auto=webp&s=cf0a5e748cc51d150cb2e15a207e3d870c3d1160

• Warning Message: If the real estate appreciation rate is set above a certain threshold a warning message will appear highlighting the long-term impact of that aggressive assumption.

DCPP/LIRA/LIF Jurisdiction

• You can now set the DCPP/LIRA/LIF Jurisdiction on an account by account basis in Planning > Projections > Advanced Options

https://preview.redd.it/i6mqo9rtte9h1.png?width=1464&format=png&auto=webp&s=c21d01e1e78b2d42e0c86b3d21f36ef3280bf5c5

Legend in Projections Charts & Future Cash Flow Charts

• The chart legend will now only show categories that have information in the chart. Categories with zero info will be hidden in the legend to make it easier to read.

Small Improvements

• Completion % Updated: There was a gap in the completion % logic for some rental property owners which previously resulted in a "17% missing info" message. This is now corrected. Thank you to the users who pointed this out.

​

Welcome! We built this community for Adviice users to learn, share strategies, and help shape the future of our financial planning platform. Whether you are finalizing your retirement plan or just getting started with your baseline numbers, you are in the right place.

We are a small team but we aim to answer questions as quickly as possible. We wanted to share some best practices and resources for both new and experiences members:

1. How to Post and Get the Best Help
We want to make sure your questions get answered quickly and accurately. Here is how to get the most out of this community:

• Use Post Flairs: When creating a new post, please select a flair (like "Platform Question," "Feature Request," or "Plan Review"). This categorizes your post and helps everyone search the forum efficiently.
• Share Your Plan (Anonymously): If you are asking a question about your specific numbers, please do not post screenshots. Instead, use our built-in Anonymous Sharing feature. It scrubs your personal information but keeps the math intact so the community and our team can actually see what is going on: https://help.adviice.ca/article/200-faq-how-do-i-share-a-copy-of-my-plan-anonymously

2. Have a Feature Request?
We want to hear it! Create a new post and use the "Feature Request" flair. Do not worry about duplicates; seeing multiple requests for the same feature helps us prioritize our roadmap and build exactly what you need.

3. Master the Platform (Live Webinars)
Want to see the platform in action or ask questions live? We host several types of webinars to help you at every stage:

• Getting Started: Guided question sessions specifically for people just starting on the platform.
• Office Hours: A free, monthly Q&A session where you can ask anything about the software.
• Case Studies: Deep dives into specific financial topics and retirement strategies.
• Sign up for upcoming live webinars here: https://help.adviice.ca/article/528-live-webinar-training (link is updated each month)

4. Catch Up on Videos & Past Training

• Past Case Studies: Missed a session? You can watch all of our previous deep dives in our Case Study Archive: https://help.adviice.ca/category/399-case-study-webinars
• YouTube Channel: Check out the Adviice YouTube Channel for tutorials, feature highlights, and visual learning. Owen posts a brand new video every week!

Important Links:

• Adviice Help Centre: https://help.adviice.ca/
• Log in to Adviice: https://app.adviice.com/

To get started, head back to the main feed and click "Create Post" to introduce yourself or ask your first question. Happy planning!

Hi Everyone!

Half of our support team will be on vacation for the next two weeks (there are only two of us!).

We will do our best to maintain our speedy replies, but if you do notice that our responses are slightly slower than usual just know that it's only temporary.

Thank you!

Adviice Support Team

Hi Everyone!

We're looking for your help to do some validation testing on the CPP/QPP improvements we're working on.

If you would like to help what we would need is an anonymous copy of your CPP/QPP info from Service Canada.

• CPP/QPP estimate from Service Canada (age 60, 65, 70 estimate)
• CPP/QPP Statement of Contributions (pensionable earnings year-by-year)

We're looking to validate three specific situations...

1. CPP/QPP recently started (within last 1-2 years)
2. CPP/QPP about to start soon (within next 1-3 years)
3. CPP/QPP not starting for a while (5-10 years away)

If you would like to help you can send an email to support@adviice.com with your Month and Year of birth, your CPP/QPP Estimate and your CPP/QPP Statement of Contributions table.

Thank you!

Hi Everyone!

Some of you may have already noticed that we've updated the rate of return assumptions to align with the new FP Canada guidelines. This happens every year around April/May.

The new rates for 2026 and beyond are slightly lower than in 2025. There are two main changes...

• Equity/Stock Return: The blended Canada/US/Global return assumption is going to 6.56% from 6.71%
• Fixed-Income/Bond Return: The fixed-income/bond return assumption is going to 3.20% from 3.40%

For more details on why FP Canada changes the rate of return guidelines we recommend reading their updated report, there are a number of factors mentioned including recent returns and valuation metrics...

https://www.fpcanada.ca/projection-assumption-guidelines

From our testing we noticed that this will affect both After-Tax Estate and Success Rate. The typical decline in Success Rate was between 0% and 3%. The decline in After-Tax Estate Value depended on the length of projection, existing assets, contribution rate, and drawdown rate.

For example...

On a $1,000,000 portfolio the decrease in equity returns from 6.71% to 6.56% meant a decline in After-Tax Estate Value of $155,440 in Today's Dollars over a 30-year period.

However, if the portfolio was $1,050,000 (perhaps due to strong returns in 2025 there was an increase of $50,000 versus the previous year's plan) then the decline in the rate of return assumption was entirely offset.

You can see more details in the help article here...

https://help.adviice.ca/article/547-faq-understanding-the-updated-rate-of-return-assumptions

FP Canada also released revised guidance for Real Estate growth rates. These have not been implemented yet. We will be releasing new functionality next month that will allow you to adjust the Real Estate growth rates within the model.

Thank you!

Adviice Support Team

Edit: A user pointed out that the Discovery > Investment Plan and Corp. Discovery > Investment Plan will visually show the saved Net Return value until you type in the field. This does not affect the Projection at all, which automatically recalculates year-by-year. We're looking at how we can force the Investment Plan to show the updated net return automatically.

Hi Everyone,

Some of you may have already noticed that we've added some new features and improvements to the platform tonight.

This may require a page refresh.

You'll find a summary of all the changes below. As always, we've done a lot of testing but please let us know if you notice anything.

Thank you for all your feature requests and feedback!

Thank you!

Adviice Support Team

Link Debts to Real Assets (Paid off automatically when sold)

• We've added the option to link a Debt to a Real Asset (Home, Cottage, Rental etc). When the real asset has a sale date, the platform will automatically pay off the debt in the same month as the sale.
• This can be used for any Debt, so you can also plan to pay off a line of credit, vehicle loan, credit card etc. using the proceeds of a real asset sale
• This can be done in Discovery > Debts or you can do it scenario by scenario in Planning > Projections > Advanced Options

https://preview.redd.it/814z4e86o1yg1.png?width=1554&format=png&auto=webp&s=47d30bd7497448a76499aad56b655c48bcc3672d

Rental Income & Expenses stop on Rental Sale

• We've updated the rental income and expenses logic to automatically stop rental income and rental expenses in the month before the sale month. This used to require a manual override in the past but now the platform will automatically stop those income and expenses.
• This will happen automatically when a rental sale date is added.

https://preview.redd.it/1veruv79o1yg1.png?width=1578&format=png&auto=webp&s=695c214c5123fb3b88aab1f337b0ec9250549f45

Tracking Section: Added "Plan, Actual, Difference" to all bars

• We've updated the Tracking section to show the "Plan, Actual, Difference" on all bars in the tracking charts. This helps clearly show which piece of the plan is ahead of the plan or behind the plan.

https://preview.redd.it/oqeyyl5do1yg1.png?width=1803&format=png&auto=webp&s=ce43c8c6bced22f9cd2bfccc6bdfbc35a642a69f

General Updates:

• Fixed a typo on the "CPP Start Age" description card
• Updated the show/hide logic for pre-65 defined benefit pension field to still show the field in the year you turn 65 (previously greyed out)