Introduction
SafeRetireCA is a subscription-based platform designed to simplify and secure retirement planning for Canadians. Our model focuses on providing individuals with personalized financial roadmaps, pension optimization tools, and automated projections based on their income, savings, and government benefit eligibility. The platform’s mission is to make retirement planning transparent, confidence-driven, and tailored to Canada’s regulatory and tax environment.
Customer Value
Subscribers receive a secure dashboard that consolidates RRSP, TFSA, workplace pensions, and CPP/OAS inputs into a single, personalized retirement outlook. Monthly updates provide real-time forecasts, tax-efficient withdrawal strategies, and alerts about potential income shortfalls. Clients benefit from an average 17% increase in long-term savings efficiency and reduced reliance on one-time financial consultations. The platform also helps users avoid over-contributions, underfunding, and missed tax credits.
Target Audience
The primary users of SafeRetireCA are Canadians aged 40–65 who are approaching retirement or actively planning their exit from the workforce. This includes mid-career professionals, self-employed individuals, and dual-income families with mixed assets. High adoption is seen in Ontario, Alberta, and British Columbia—regions with the highest concentration of private retirement saving and variable income employment patterns. A growing segment includes newcomers to Canada looking for tailored, culturally sensitive financial guidance.
Distribution and Delivery Channels
• Direct access via saferetireca.ca with a free baseline assessment and 14-day trial
• Partnerships with credit unions, benefit consultants, and HR platforms offering bundled access to employees
• Integrations with CRA MyAccount for real-time RRSP/TFSA contribution tracking
• Retirement planning webinars and seminars in collaboration with insurance advisors and community centers
• Co-branded outreach through financial literacy programs and provincial pension readiness campaigns
Revenue Streams
• Subscription Plans:
– Individual Plan: CA $18/month
– Household Plan: CA $29/month (joint analysis and projections)
– Professional Plus: CA $49/month (includes planner chat and tax optimization reports)
• Annual Payment Option: 20% discount for upfront billing
• Add-Ons:
– Certified financial planner review session: CA $109
– Estate planning module: CA $15/month
• Affiliate Revenue: Commissions from referred insurance, annuity, and RRIF providers
Average revenue per user (ARPU) is CA $27.90/month with 71% of subscribers choosing annual plans.
Key Partners and Resources
• Data Integration: Secure APIs with major Canadian banks, CRA, and pension platforms
• Compliance & Advisory: Supported by FinWell Canada and certified CFPs for up-to-date regulatory compliance
• Infrastructure: Hosted on SOC 2-certified servers in Canada with biometric login and client-side encryption
• Outreach Partners: Collaborations with nonprofit retirement education groups and multicultural financial awareness organizations
Internal resources include a bilingual support desk, an actuarial modeling team, and a legal advisory group focused on pension and estate legislation.
Cost Structure
• Technology & Security: 32% of total costs, including infrastructure, encryption, and testing
• Talent & Support: 38% for financial planners, onboarding experts, and client service
• Marketing & Education: 20% directed to digital outreach, community workshops, and referral incentives
• Legal & Compliance: 6% allocated to financial disclosure reviews, tax updates, and insurance partnerships
• General Administration: 4% for internal systems, HR, and operations
The average CAC is CA $84, with a break-even point reached in 3.2 months on the Household Plan.
Scalability and Sustainability
SafeRetireCA is built with scalable financial modeling and localization modules, supporting expansion into francophone markets and cross-border retirement scenarios. The system is designed to adapt to legislative changes and user life events with minimal administrative burden.
The platform runs on carbon-neutral cloud hosting and commits 5% of profits to senior financial literacy programs and nonprofit partners focused on retirement dignity—ensuring that as SafeRetireCA grows, it helps Canadians retire not just safely, but confidently and fairly.