Front desk
Frankie · The Front Desk
Reads your question, picks the right correspondent for you. The only agent you need to remember.
"I just sold a condo — what should I do with the cash?" ↳ routed to a specialist
All features · The long view
What the Bureau actually does.
Section 02 · The Bureau
A newsroom of AI correspondents, each on a beat.
One front desk plus nine specialists. Ask the desk; the right correspondent answers in CAD, with sources.
Correspondent
Avery · The Planner
Builds your base-case retirement against CPP, OAS, RRIF minimums and provincial tax.
"At my current rate, when can I retire and still leave the cottage to the kids?"
Sample dispatch
Correspondent
Sam · The Tax desk
Tracks federal + provincial brackets, credits, TFSA/RRSP room, and the OAS Recovery Tax.
"Show me a meltdown order that empties the RRSP before 71 without OAS clawback."
Sample dispatch
Correspondent
Riley · The Withdrawal strategist
Sequences draws across RRIF, TFSA, non-registered, LIRA — by tax year, in CAD.
"Three-bucket drawdown with a $480k RRSP and a $90k DB pension — show me the year-by-year."
Sample dispatch
Correspondent
Charlie · The Benefits correspondent
Models CPP age multipliers, OAS deferral, GIS thresholds, provincial drug + senior credits.
"Is deferring CPP from 65 to 70 still worth it if I file at 67?"
Sample dispatch
Correspondent
Jordan · The Risk reader
Stress-tests sequence-of-returns risk against your actual allocation, not a generic 60/40.
"If markets drop 35% the year I retire, does the plan still hold?"
Sample dispatch
Correspondent
Casey · The Estate clerk
Plans the orderly hand-off: probate by province, deemed disposition, RRSP/TFSA beneficiaries.
"What does the tax bill look like on the second death in Ontario vs Alberta?"
Sample dispatch
Correspondent
Alex · The Budget Coach
Reads your spending against essentials / discretionary / savings, flags the line items that drift.
"My grocery bill is $1,200 a month — what would a normal Toronto household spend?"
Sample dispatch
Correspondent
Quinn · The Goals Planner
Sizes contribution + horizon for first home (FHSA), kids' education (RESP+CESG), emergency fund.
"How much for an FHSA + RESP for two kids while still saving for retirement?"
Sample dispatch
Correspondent
Morgan · The Concierge
Where things live in the dashboard, how the imports work, account + privacy questions.
"How do I import a broker statement?"
Sample dispatch
Section 03 · Ask in plain Canadian
Ask in plain Canadian. Answers come back with sources.
No prompt engineering, no jargon. Type the question you actually have.
From Avery · Planner
Can I retire at 58 with a LIRA and a rental in Burlington?
On your inputs — LIRA $312k, rental net $1,940/mo, no DB pension — yes, with a 14% safety margin. The rent-vs-sell math flips at age 71 if the cap-rate falls below 4.2%.
5 sources · CPP at 65, LIF max formula, Ontario rent guideline 2026
From Sam · Tax desk
What does an RRSP-to-TFSA meltdown look like between 65 and 71?
Withdrawing $22,000/yr from the RRSP keeps you in the 30.5% combined bracket and rebuilds $132k of TFSA room without triggering the OAS Recovery Tax. Net lifetime tax saved: $41,300.
2026 federal + ON brackets, OAS threshold $90,997
From Charlie · Benefits
How does the OAS clawback at $90,997 hit my plan?
Two years of clawback at $1,420/yr if you take CPP at 65 and draw the full RRIF minimum. Defer CPP to 67 and the clawback disappears entirely — and lifetime CPP rises $34k.
OAS Recovery Tax 15%, CPP age multiplier +0.7%/mo after 65
Ask the Bureau anything — CPP, OAS, TFSA, RRIF, FHSA. Live for signed-in members.
Open the books →Section 06 · The posture
What we will, and will not, do.
Four tenets, plainly stated. We hold ourselves to them; you should too.
- i.
Educational guidance only
We are not a registered investment dealer. The Bureau dispatches are planning models, not advice to buy or sell.
- ii.
RLS-isolated household data
Row-level security on every read. Your household ledger is unreadable to any other account in the database, including ours.
- iii.
No bank-login scraping
No third-party aggregation. No read-write API into your accounts. You upload statements you already receive — CSV, PDF, or screenshot.
- iv.
On-device parsing where possible
Statements are parsed in the browser when the file shape allows. Server fallback only when the layout requires it.
Section 05 · Questions
Common questions, honest answers.
Not seeing yours? Email the Bureau and a human writes back, not a sequence.
- Is the Reader tier really free?
- Yes. Reader is free forever: one base-case scenario, the Planner correspondent, five AI dispatches a month with a fifty-dispatch lifetime cap. No card on signup.
- Why is the Reader tier limited?
- Every AI dispatch runs on paid model APIs. Capping Reader at five a month and fifty total keeps the tier sustainable without ads, without selling your data, and without putting a meter on your wallet.
- How is this different from a US retirement planner?
- Tools built for US tax law assume IRS rules: IRA / 401(k) wrappers, Social Security multipliers, RMD at age 73. Invest Wise Way is built on CRA tables instead: CPP enhancement multipliers, OAS Recovery Tax, RRIF minimums by age, provincial brackets, FHSA + RESP rules. Numbers in CAD, never USD-converted.
- Do you sell my data or read my bank account?
- Never. PIPEDA-aligned. Canadian Supabase residency. AES-256 at rest, TLS 1.3 in transit. We do not request bank-login credentials; you bring statements (CSV or PDF) and the parser runs on-device where possible.
- Can I cancel?
- One click in your account. Annual plans pro-rated for the first 30 days. After that, the remainder of the term runs to the renewal date.