Help your clients build their financial future with these tools. Share these with your clients, or walk them through the tools in person.
Find all our client-friendly tools on The Link Between.
Optimizing Your Client’s RRSP
Every dollar counts when your clients are working hard to meet their financial obligations while also saving for retirement.
The Value of Taking Risks
It may seem like an easy decision for your clients to invest in guaranteed return investments when rates are high, but it’s important not to lose sight of inflation.
If your clients want to take advantage of attractive GIC rates but don’t want to lock in all their funds for a long duration, talk to them about GIC laddering.
Charitable Donations Calculator
Be sure to share this Charitable Donations Calculator with your clients today to help them estimate the after-tax cost of charitable donations during their lifetime or upon death.
Tale of Two RRSPs
Do you want to help your clients establish an RRSP strategy? Use or share this calculator to compare and contrast contribution amounts, frequencies, and timing to find the best strategy for them.
Net Worth Calculator
Share the Net Worth Calculator to help your clients on their path to a strong financial future.
Cash Flow Calculator
Do you have clients who could use a little help building a comprehensive household budget? Recommend the Cash Flow Calculator!
Savings Growth Calculator
The ability of our “Savings Growth” calculator to compare two savings strategies can be useful during your client discussions on what to do with excess cash. Your clients can also use it to see the impact of increasing their savings, even by just a little. Walk through this multi-purpose tool or share it with your clients to stimulate your next discussion on finances.
Will the Money Last?
Help your clients calculate and compare scenarios for how long their savings will last when they start using it as income. Share the “Will the Money Last” calculator with them today.
Strengthening Your Client’s Safety Net
Risks are inevitable and in your line of work, you consider risks all the time – after all, your speciality is building the safety net your clients need to protect against associated financial consequences.
Insuring Your Greatest Asset
What does your client consider their greatest asset? Home and vehicles are among the most common answers, however, your client’s earning power has the biggest impact on their financial health. More likely, their home and vehicles are ensured, but what about their earning power?
Savings to Reach a Goal Calculator
It’s certainly important to have financial objectives in mind. But just like sports, your client needs to understand where those goal posts are in order to score those important financial goals.
Debt Consolidation Calculator
Just like we purge our cupboards and closets during Spring cleaning to make our day-to-day life more manageable, your client can now organize their debt in a way that makes their monthly budget far more manageable.
Exploring Your Client’s Life Insurance Options
All life insurance plans start with the same basic precept. Your client policyholder pays a premium in exchange for a tax-free lump sum benefit that’s payable to their selected beneficiaries upon their death. But there’s more! Because life insurance enjoys favourable tax treatment under the Income Tax Act1, it’s a valuable financial instrument that can do more than just pay a lump sum death benefit. Most Insurers design plans that offer features and benefits — added value for consumers that comes at a premium.
The Loan Calculator
Debt. It’s stressful for everyone and nobody wants to carry it for any longer than they absolutely must. So how can you help your client lighten their debt load? Well, when it comes to debt-reduction, the old saying “every little bit counts” may just be the answer.
The Ultimate Planning Tool
Permanent life insurance is often said to be the ultimate planning tool because it facilitates beneficial tax and estate planning opportunities and solutions throughout your client’s lifetime to provide them with peace of mind now and into their future. The earlier in life that your client’s permanent life insurance policy is purchased, the greater the impact it can have as a financial instrument.
The Mortgage Calculator
Home ownership allows your client to build wealth and add to their financial security. Use this Mortgage Calculator or share it with your client to help them figure out payments and keep their budget on track – it’s so easy to use!
Capital Required for Income
The age-old question when planning for retirement is ‘how much do I need to save’. This calculator gives your clients a simple idea of how much capital they’ll need for retirement.
CPP Benefits – Early or Later
Have your clients ever wondered what the net impact would be on their CPP Benefits depending on when they choose to start withdrawing? Try out this simple calculator to compare the impact on their pension.
Passive Investment Income Calculator
The 2018 Federal Budget introduced new rules that can reduce the amount of the small business deduction available for active income earned in a corporation. Share this tool with your clients to help them understand the impact of these changes on their business.