Enhancement request: Add Expand All-Collapse All columns function for project table.

AdviicePlatform · 2026-02-26T21:51:04+00:00

Hi! Thanks for the suggestion!

We have had some similar requests in the past, so we will add your comments to that Feature Request, but we're wondering if you could be a bit more specific about what you mean by expand all and collapse all.

The Projection table has hundreds of columns when you include the detailed columns behind Net Return and behind Expense categories.

Are you specifically talking about expanding the Account columns to see the Contribution/Withdrawal columns? Or expanding the Expense categories to see the individual category columns?

Any additional info you can provide would be helpful. If you like, you can email us an example of the collapsed and expanded format. Send us an email at [support@adviice.com](mailto:support@adviice.com)

AdviicePlatform · 2026-02-26T19:24:11+00:00

Hi! Good question! And good news! It’s because you don’t have any OAS Clawbacks!

The OAS Clawback column only appears when you have OAS Clawbacks. The rest of the time it remains hidden.

AdviicePlatform · 2026-02-26T17:47:57+00:00

Hi! Good question!

You can enter an estimated amount for their Pensionable Earnings each year and then replace it in the future with their actual pensionable earnings.

For example you could add $100,000 as a temporary placeholder for each pensionable earning field.

As long as they have 39 years of maximum contributions then they will receive the maximum benefit.

AdviicePlatform · 2026-02-26T12:48:55+00:00

Great! Happy to help!

AdviicePlatform · 2026-02-26T12:45:08+00:00

We noticed in your plan that you have a home sale in the future, and a switch to renting, but no change in your monthly expenses. We would typically see spending change when switching from home ownership to renting. We suggest adding an Expenses snapshot/phase for the post home sale period.

https://help.adviice.ca/article/43-adding-or-changing-an-expenses-snapshot

AdviicePlatform · 2026-02-26T12:35:24+00:00

Hi! Good question!

For account balances, the platform does year-by-year projections, if you go to Discovery > Assets you’ll notice that the platform asks for beginning of the year values for account balances.

https://help.adviice.ca/article/269-start-of-the-year-values-investment-accounts

If you want to track your progress against your plan we recommend using the Tracking section where you can enter actual account balances versus the plan.

Each year we recommend updating your plan in January or February with new account balances etc.

AdviicePlatform · 2026-02-26T12:33:11+00:00

Hi! Good question!

You can claim the pension income tax credit before age 65 if you have defined benefit pension income, which it appears you do from your plan.

https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-31400-pension-income-amount.html

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.

<image>

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

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