What if you Were Richer than you Thought?

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Find out with RetireWare. You will see how your investments and future income can create the lifestyle you want for you and your family for the rest of your life. If you are close to retiring or already retired, you will learn how far your money can go. And what we see regularly is that many spend too conservatively out of the fear of running out of money.

What if you could spend $500, $1,000 or $2,000 more per month for the rest of your life? Imagine the impact on your lifestyle in terms of leisure activities you love, travel and helping those close to you.

Apeiron Software has helped tens of thousands of Canadians with RetireWare and its other software products. The Toronto Star said of RetireWare: "Slick financial planning software ... goes well beyond the capability of other consumer software and some pro brands used by planners".

RetireWare provides information and links to Canadian retirement and financial planning information, such as Government benefits and applying for the CPP and OAS pensions.

Retirement is When the Regular Paycheque Stops

Baby boomers are starting to retire, and financial security during retirement is now becoming the most important priority for many. One day, the regular paycheque stops and we must rely on a mix of assets and lifetime income to pay expenses.

Many face retirement with apprehension rather than embrace it. All too often, we are overwhelmed by all of this and simply decide not to deal with it. This may lead to a negative outcome for many: lowered standards of living and a lifetime of work.

Unrealistic Expectations

Only 42% of people have attempted to calculate their savings needs, and more than half have very little retirement assets, according to a survey by the Transamerica Center for Retirement Studies. Yet, they are at the same time unrealistic about how long they can continue to work, their future financial needs and longevity.

Changes in society and demographics do not help: active working years are shortened because we want to retire early and longevity is increased with healthier lifestyles. This means many of us must save much more than at our current rate. Often we start too late and save too little: some studies indicate that savings in the range of 15% to 18% per year are required to maintain the standard of living throughout retirement.


The stark consequences now being observed is that many baby boomers are retiring with no source of guaranteed lifetime income, little personal savings, reduced options with respect to working past retirement and helpless vulnerability to a market decline or crash.

If there is a financial setback, many will have no choice but to work longer. Unlike our parents who could count on a lifetime pension, we may very well be facing a lifetime of work. This is compounded by the fact that retirement is not always a voluntary event. About four out of ten retire before they choose, a premature retirement often due to job loss or poor health. And when this happens, it usually happens at time when we are not prepared for it.

What You Need to Know

While you can expect income from Government or company pensions, it will not likely be enough to maintain your lifestyle. The rest of your expenses will be paid from drawing down your nest egg. You have to figure out what kind of lifestyle you can afford so that you will not outlive your assets during a retirement for a couple that may last 30 or 40 years.

  • If you are not retired, the question is "what nest egg do I need to maintain my lifestyle?"
  • If you are retired, the question becomes "I have a nest egg, what lifestyle can I afford?"

RetireWare helps you determine how far your assets will go in the future. And only by modeling the future, can you make better decisions today. RetireWare will also assist you with the many decisions for your retirement security. When to retire? What is the impact of transitioning to retirement over a few years? Will retiring later make a difference?

RetireWare dashboard

So the outcome with RetireWare is that you learn how to:

  • Manage money and allocate investments,
  • Organize finances,
  • Become responsible with spending and careful about debt,
  • Set a clear vision of your future and a strategy to realize our dreams.

Only then can we have peace of mind and a sense of security for our future and live a rich financially secure life.

RetireWare is Easy to Use

You and your spouse will have to deal with many types of assets and income in the future: CPP, OAS (some that may be subject to "clawback”), pension plans, a registered retirement income fund (RRIF), life income fund (LIF) or locked-in retirement income fund (LRIF), each with their own payment patterns and rules, non-registered investments, insurance, possibly an inheritance or the sale of a real estate property or business.

RetireWare lets you put everything together with its intuitive and modular user interface and easy-to-use user interface with extensive online help. All results are shown with clear and compelling charts, detailed tables, and a full report that you can print or save as a PDF file.

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