Written Account Audit
A structured summary of every registered and non-registered account, current balances, available room, and our assessment of whether the current mix is appropriate for your timeline and risk tolerance.
Savings Planning
Is your savings mix working as hard as you did?
Most retirement savers lose significant value to sequencing errors and tax inefficiency — problems that look invisible until they compound over a decade.
What we actually do when we review your savings.
Savings planning at Vividbcloud begins with a full account inventory: RRSP balance and contribution room, TFSA balance and cumulative room, non-registered holdings, any workplace defined-contribution plan, and outstanding debt. We calculate your projected total by retirement date under two scenarios — a conservative 4.5% blended return and a stress-tested 2.8% — and immediately show you the gap between the two. From there we design a contribution schedule and asset-location plan: which assets sit in which account type to defer, shelter, or eliminate tax most effectively. We also model the meltdown sequence — the order in which you draw down each account in retirement to minimize tax in your peak withdrawal years and preserve TFSA room for late-life flexibility.
What you receive from a savings engagement.
Deliverables are concrete documents, not a verbal summary.
Contribution Road Map
A year-by-year contribution schedule from today to your target retirement date, accounting for expected income changes, spousal RRSP eligibility, and catch-up opportunities.
Drawdown Sequence Plan
A prioritized withdrawal order for your retirement years — specifying which accounts to tap first, when to convert your RRSP to a RRIF, and how to deploy TFSA room to reduce taxable income in later decades.
Annual Review Protocol
Markets shift, tax rules change, and life happens. Your savings plan comes with a scheduled annual review where we update projections and adjust the sequence if your circumstances have changed.
What we do not promise.
We do not manage your investment portfolio directly — we are planners, not portfolio managers, and we maintain that boundary deliberately. We cannot guarantee market returns, and our projections are models, not contracts. What we do guarantee is that our advice is built entirely around your plan: we hold no product licenses and collect no commissions. If our savings analysis tells you that you need an investment manager to execute the strategy, we will tell you that plainly and help you understand what to look for.
“The drawdown sequence plan alone was worth the engagement fee. Nobody had ever shown me that withdrawing from my non-registered account first in early retirement would save roughly $31,000 in lifetime tax. We implemented it the following January and the difference showed up immediately.”
Patricia W., Winnipeg MB
Find out what your savings sequence is costing you.
A focused savings review takes roughly 90 minutes and produces a written plan you can act on immediately.
Request a savings review