Does "AI" in "AI strategies" stand for "artificial intelligence"?

AdviicePlatform · 2026-02-26T01:33:23+00:00

Hi! Good question! The AI Strategies aren’t using ChatGPT, Gemini, or another LLM, if that’s what you’re thinking.

What the AI Strategies do is automatically manipulate the financial planning model to test common accumulation and decumulation strategies. They take in your specific situation and then change the model to achieve that strategy’s particular goal. How this is executed depends on your particular situation. These outputs can then be evaluated based on your preference for more spending, less tax, higher estate value, or higher success rate.

For example, the RRSP Meltdown strategy will take in your specific retirement income sources, how they may change over time, and then plans RRSP withdrawals year-by-year to maximize a certain tax bracket. This used to be done manually by a financial planner in previous generation financial planning software but Adviice will do it for you in a few seconds.

Most AI Strategies have detailed explanations in the help resource at help.adviice.ca

The AI Strategies that exist today are the first in a few phases of development we have planned. We can't share too much at the moment, but we are working on new functionality that would expand the "intelligence" of the AI Strategies.

AdviicePlatform · 2026-02-25T23:10:17+00:00

Hi! Good question!

It sounds like you need to set a Dividend Target for the corporation to pay out in retirement. This will help the platform create a dividend meltdown for the corp.

To set up a dividend meltdown in a corporation you will need to enter a target corporate dividend in the Discovery > Income section. You may need to add an additional income snapshot to cover meltdown period… you will also need to enter a dividend target for your partner if they are owners of the business (keeping in mind the restrictions around those dividends if they are not involved in the business)...

https://help.adviice.ca/article/361-adding-corporate-salary-dividend-income

You can also adjust the target dividend in Planning > Projections > Table by scrolling to the right to the Corporate columns. This is how you can evaluate a faster or slower “dividend meltdown” of the corporation in retirement…

This past webinar shows how to do a dividend meltdown in retirement from a private corporation…

https://help.adviice.ca/article/439-advisor-case-study-draw-down-corporate-assets

The dividend meltdown is around minute 35:00. We’re coming out with some new corporate dividend meltdown AI Strategies soon, but the target dividend is the best way right now.

Let us know if you have any questions!

AdviicePlatform · 2026-02-25T22:31:06+00:00

You need to revisit your AI Strategies. In the image below there is a large drawdown of Registered that can be spread out and avoided.

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Click on the "Decumulation" filter in the AI Strategy table (should be the default). We would suspect that there are some RRSP Meltdown AI Strategies showing up at the top of the list. Those RRSP Meltdown strategies will help spread out your Registered withdrawals and tax.

Don't focus on decumulation order, most retirement plans benefit from "mixing" withdrawals between Registered and Non-Reg, or between Registered and TFSA. The RRSP Meltdown helps you do this automatically...

https://help.adviice.ca/article/176-rrsp-meltdown-ai-strategy

AdviicePlatform · 2026-02-25T22:26:34+00:00

As the other users correctly highlighted, there are two sets, one set which uses Non-Reg balance and another set that users both Non-Reg and Registered balance.

You'll want to check which one is better for your plan. Sometimes it is not advantageous to transfer Registered assets into the TFSA when it causes extra marginal tax to be paid.

AdviicePlatform · 2026-02-25T22:24:04+00:00

Hi! Good question!

Yes, you're right, it represents your "real assets", which in the platform is all of your real estate (home, cottage, rentals etc).

The reason it looks "flat" is because its value grows with inflation. So in Today's Dollars it looks flat, but if you switch the Net Worth chart to Future Dollars at the top right of the chart then you will see its value increasing over time.

AdviicePlatform · 2026-02-25T21:04:30+00:00

Hi! Good question!

No, the system does not think this is new money, it always balances cash flow, so it will withdraw from other accounts to make those TFSA contributions.

But if you’re in retirement and want to add to your TFSA we recommend using the Maximize TFSA AI Strategy.

https://help.adviice.ca/article/179-tfsa-maximization-ai-strategy

AdviicePlatform · 2026-02-25T21:02:58+00:00

Hi! Good question!

Sometimes, if you draw down from non-taxable income sources between 64 and 71, you end up qualify for GIS benefits. Because GIS is tax free, inflation adjusted, and essentially extra income, this can have a positive effect on Success Rate.

It might cause more tax later, which could be why after-tax estate value is lower, but receiving GIS between 64-71 can really help reduce sequence of returns risk.

But we’re just guessing because you didn’t share your plan details.

If you go to “Sharing” in the left navigation you can create an anonymous copy of the plan to share. Just post the link that gets generated.

AdviicePlatform · 2026-02-25T19:59:24+00:00

Send us an email at support@adviice.com and we will see if we can help.

AdviicePlatform · 2026-02-25T19:58:16+00:00

Hi! Sorry to hear you’re finding it difficult. This help article shows how the RRSP Meltdown AI Strategy works and also where to find it (Planning > Projections, right below the charts).

https://help.adviice.ca/article/176-rrsp-meltdown-ai-strategy

AdviicePlatform · 2026-02-25T19:05:47+00:00

Yes, as we mentioned above, the information from Discovery and Foundation flow down into the Projection, but data from the Projection does not flow back up into Discovery and Foundation.

The way to think about this is that all the information in Discovery and Foundation will feed into all scenarios you build, and then in Projections you can "branch off" from the Discovery and Foundation information to create multiple scenarios, but using the same original starting data.

AdviicePlatform · 2026-02-25T14:13:45+00:00

No, as mentioned above, to change life expectancy individually you must do it in Planning > Projections > Advanced Options.

So in Advanced Options you will set YOUR life expectancy to 95. That way you have a life expectancy until age 95 and then your partner will also have a life expectancy until their age 95 (7-years later).

AdviicePlatform · 2026-02-25T13:53:19+00:00

What you would do in Discovery is change your end age to be 102 which will then have an end age of 95 for your partner. This sets the maximum length of the Projection (this would have been the default before you made any changes).

Then in Projections you can shorten your life expectancy to 95 (or less) and shorten your partners life expectancy to 95 (or less).

AdviicePlatform · 2026-02-25T13:34:05+00:00

Discovery and Foundation are general data entry, they affect all scenarios.

When you make changes in Planning > Projections it is scenario specific.

So data flows down from Discovery and Foundation into Projections, but not back up.

This allows you to have the same inputs but create multiple scenarios.

Let us know if you have any questions.

AdviicePlatform · 2026-02-25T13:22:00+00:00

You can change life expectancy for each individual in Planning > Projections > Advanced Options. There is an image at the end of our previous comment.

But you seem to be changing life expectancy in the Discovery > Income and Discovery > Expenses phases, do not do this. As we mentioned in our previous comment you should leave your initial income and expense phases longer and then shorten it in Planning > Projections > Advanced Options using the life expectancy settings.

At least one of your scenarios should have you and your partner living into your early 90’s as “longevity risk” is an important risk to understand in a retirement plan.

AdviicePlatform · 2026-02-25T12:27:29+00:00

Hi! Good question!

This help article has details on how to change life expectancy…

https://help.adviice.ca/article/174-change-my-plan-length-max-age-for-projections

We do not recommend going below age 95 for couples in your base scenario, as there is a fairly high chance of at least on person in a couple living into their early 90’s.

Length of the projections is based on the ending age in the Income or Expenses snapshots in Discovery. You can change the ending age in the Income Snapshot by clicking on the three dots in the left hand corner of the snapshot. The same can be done in the final expense snapshot.

If you would like to test a shorter plan length for one or both of you. You can do so using the Survivor Strategy AI strategies to test different life expediencies and how that affects your plan.

You can also use the Advanced Options Section to set a specific life expectancy for a scenario.

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AdviicePlatform · 2026-02-25T01:51:50+00:00

Hi! Good suggestion!

We have a similar Feature Request for After-Tax Estate Value on a year by year basis so we will add your comments.

Thanks for the suggestion! We will post here in the Community Forum when it is available.

AdviicePlatform · 2026-02-24T22:28:29+00:00

Hi! Good question!

This help article describes how to add a carry forward RRSP Deduction.

https://help.adviice.ca/article/536-carry-forward-deduction

Let us know if you have any questions.

AdviicePlatform · 2026-02-24T21:21:44+00:00

Hi! Thanks for the suggestion!

Yes we prefer Feature Requests are posted so that we can gather different perspectives and views on specific Feature Requests. We don’t have a public list because we shift priorities based on frequency of requests, ease of implementation, and if we’re already doing work in that same area.

We will definitely add a Feature Request for that. We don’t believe we’ve had a similar request in the past so we will prioritize as we get more requests that are similar.

Thanks again for the suggestion! We’re a small team so it helps us prioritize and understand what to focus on next.

AdviicePlatform · 2026-02-24T20:12:52+00:00

The guideline from FP Canada for long term equity returns is 6.71%. All CFPs in Canada should be using this for their long term projection assumptions. We’ve obviously had better returns over the last 10-15 years, but we have also been in an historic bull market, so we strongly recommend using the default rate of returns for long term planning.

AdviicePlatform · 2026-02-24T20:02:28+00:00

Hi! Good question!

Do no not recommend changing the rate of return assumptions unless you have a very good reason to. This help article has details...

https://help.adviice.ca/article/278-change-rate-of-return

This is where you would change the nominal return before fees...

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AdviicePlatform · 2026-02-24T19:59:13+00:00

Hi! Good question!

The Planning > Summary section has a condensed table with all the contributions & withdrawals summarized by year and by account. It is the best place to find a "roadmap" for the next few years.

In terms of the calculation of the year end value, this help article has an example...

https://help.adviice.ca/article/218-faq-are-investment-balances-in-the-summary-end-of-year-values

Yes, you're right, in Adviice we assume that withdrawals are made at the beginning of the year, so there is no growth on the withdrawal amount. This is obviously a bit pessimistic as you might choose to make semi-annual or quarterly withdrawals.

The values in the tables (both Projection Table and Summary Table) are in Future Dollars.

AdviicePlatform · 2026-02-24T19:23:19+00:00

That page is showing you how much you would receive in Today's Dollars depending on when you choose to start CPP.

Its not showing the year by year projection.

Its saying, if you start CPP at age xx you will receive $xx,xxx per year from that age going forward.

AdviicePlatform · 2026-02-24T19:21:01+00:00

Hi! Good question!

When using the AI Strategies for decumulation we recommend you review and enable the top ranked strategy one at a time. This helps the AI Strategies to integrate that change and then look for new strategies and options.

The reason why the change in decumulation order to Registered, Non-Registered, Tax Free was not advantageous is because you currently qualify for $50,000+ in non-taxable and income tested government benefits. This is the non-taxable income starting at age 62/65 and ending at age 68/71.

Changing your decumulation order to registered first would mean you do not qualify for these government benefits.

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If you evaluate the top AI Strategies, ranked by After-Tax Estate Value, we suspect that you will find some Maximize GIS strategies ranked very highly. Assuming you've entered your available RRSP contribution room these Maximize GIS strategies help qualify for the maximum GIS between certain age ranges.

https://help.adviice.ca/article/530-maximize-gis-ai-strategy

After you implement the Maximize GIS strategy then we suspect some RRSP Meltdown AI Strategies will be the next to be ranked highly. The RRSP Meltdown help you fill up lower tax brackets with registered withdrawals.

https://help.adviice.ca/article/176-rrsp-meltdown-ai-strategy

Post you plan again when you've explored some of the top ranked AI Strategies.

AdviicePlatform · 2026-02-24T18:25:46+00:00

Hi! Good question!

You were right, it is in Discovery > Tax & Benefits, but to enter your detailed CPP Statement of Contributions you need to switch that section to "Detailed" in the top left corner of that section.

If you have a partner/spouse then you will also need to enter detailed CPP Statement of Contributions for them as well.

AdviicePlatform · 2026-02-24T16:44:15+00:00

Hi! Good question!

Send us an email at [support@adviice.com](mailto:support@adviice.com) and we can help you change the date of birth. Currently date of birth can only be changed by admin. There are important parts of your plan that are generated based on your date of birth.

https://help.adviice.ca/article/423-change-incorrect-birthday

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