No. Milestones was designed for self-directed Canadians. You can use the calculator, run your own reports, and explore different strategies — all without needing an advisor. That said, if you'd like help, you can book a one-on-one consultation with a CFP® at any time.

You’ll need a rough outline of your financial picture — things like RRSPs, TFSAs, pensions, real estate, income sources, and your age. Our tool is designed to make entering this info simple, and you can edit it anytime.

Yes. Milestones is built specifically for Canadians, and includes support for RRIF rules, CPP & OAS timing, income splitting, corporate accounts, and provincial tax rates.

Your $89.99 payment gives you 12 months of full access. You can run as many plans as you want, and download PDFs to keep for future reference. When the year is up, you can renew your access if you wish — your data will still be saved.

You can book a 60-minute Zoom session with a Certified Financial Planner at any time for $249.99. They’ll walk through your plan with you, answer your questions, and help fine-tune your strategy. Additional sessions can be booked as needed.

Yes. All data entered into Milestones is securely stored on Microsoft Azure, one of the most trusted cloud platforms in the world. Azure offers enterprise-grade encryption, 24/7 monitoring, and compliance with strict global data protection standards — including Canadian privacy laws. Your information is never shared or sold.

Absolutely. Milestones supports joint retirement planning. You can enter both spouses' incomes, accounts, and benefit details, and the software will calculate income-splitting opportunities and optimize your strategy accordingly.

Most free tools give basic estimates or assume cookie-cutter retirement paths. Milestones is more advanced — it considers tax brackets, withdrawal sequencing, life events, and personalized timing for things like CPP and RRIFs. It’s not tied to product sales or limited to generic rules of thumb.

Yes. Milestones supports corporate-owned assets and allows you to model salary vs. dividends, retained earnings, and how those funds can support your personal retirement income needs. Perfect for business owners preparing for retirement.

You can visit our Resource Centre anytime to watch tutorial videos and walkthroughs. If you still need help, you can always upgrade to a consultation with a CFP® for personalized guidance.