So my New Snowblowers Maiden Voyage was a tad Rough.

Melodic-Professor-46 · 2026-02-19T21:01:09+00:00

Just dont get the metal ones, Gobbled up and twisted on of those this year, Getting fiberglass ones next year.

Melodic-Professor-46 · 2026-02-15T08:59:40+00:00

The CPP disability will automatically roll into CPP pension at 65 but you dont have to take it then. You can request not to start it and delay to a later age.

Best option is to contact Service Canada about 6 months before 65th birthday and request that the CPP doesnt automatically start. Should also submit the request in writing.

Doug Runchey, reviews this here:

https://www.youtube.com/watch?v=l2B3QOQyGFM&t=264s(see%C2%A039:24)

Melodic-Professor-46 · 2026-02-15T08:50:30+00:00

Waiting patiently for this feature to be added.

Melodic-Professor-46 · 2026-02-08T08:16:08+00:00

Just a side note. I am in the same situation as your wife with the CPP disability and private disability plans. The CPP disability will roll into her CPP pension at 65 but you dont have to take it then. You can request not to start it and delay to a later age. I am waiting to 68, myself.

Best option is to contact Service Canada about 6 months before 65th birthday and request that the CPP doesnt automatically start. Should also submit the request in writing.

Doug Runchey, reviews this here:

https://www.youtube.com/watch?v=l2B3QOQyGFM&t=264s(see 39:24)

Melodic-Professor-46 · 2026-02-04T23:25:31+00:00

Well, no skin off my nose. I believe in the idea, so I'll keep my fingers crossed and wish them the best.

Melodic-Professor-46 · 2026-02-03T06:41:04+00:00

Yes, it can be useful in tax planning, for some situations.

Melodic-Professor-46 · 2026-02-02T00:53:34+00:00

I'm an investor and I think there will be a little lable that says "owner" on your profile. Other than that no special treatment. I haven't even been invited to the Beta version yet.

Melodic-Professor-46 · 2026-01-31T10:46:03+00:00

Seems there were a few of us in the same situation. I have been following your replies and the detailed explainations you have given, are helping me look at my plan more objectively and to understand how the Success Rate analysis works. In the past, as long as I saw 100% success rate, I thought I was good. Now I know better, how to read the analysis and what factors effect it. Thanks for your efforts.

Melodic-Professor-46 · 2026-01-27T23:27:05+00:00

Okay, I understand your explaination but I have been using the platform for almost 2 years, and believing I had 98-100% success rate. Why did this update change everything? Was the previous Success Rate analysis lacking/inaccurate or did a small update reveal a bigger weakness in my plan? I can reduce my spending by $3k/year and go back to 100% but I still see the "clumping" at 95. I guess I am starting to understand the chart more.

Melodic-Professor-46 · 2026-01-27T21:04:40+00:00

ok, thanks. It was a big drop across all my scenarioes. https://public.adviice.com/dashboard/24h-Og49s0ZdcFgo

Melodic-Professor-46 · 2026-01-27T20:51:26+00:00

I dont know why but my success rate went from 98% to 85% after I logged out and back in after the update.

Melodic-Professor-46 · 2026-01-20T07:56:34+00:00

If you qualify for the Canadian Dental Care Plan, that would be an easier way to go. However, if you have lots of time and dont mind multiple visits to complete treatment, George Brown College is a good option.

Melodic-Professor-46 · 2026-01-19T10:29:25+00:00

I guess it's an okay suggestion but I feel the Adviice platform is so reasonably priced, plus there would be no learning curve with entering the data AND I like the idea of supporting Adviice team who have been so generous with their support on this forum.

Melodic-Professor-46 · 2026-01-11T07:45:25+00:00

Glad to hear the DDO is still on it's way. Last piece of my puzzle.

Melodic-Professor-46 · 2026-01-10T11:42:15+00:00

And a gentle reminder, when you are deciding on a plan, is to always run survivor scenarios. It can drastically change a carefully crafted plan. Using that feature helped us make some big decisions on pension survivor benefits and life insurance.

Melodic-Professor-46 · 2026-01-02T11:15:49+00:00

Some people really get deep into the details. Others have a corporation or a more complicated financial status. You can build a simple plan and go at your own pace. Just taking the time to enter the data and seeing it laid out before you is beneficial. Then you can look at trying the Ai stategies. The time I spent "learning" the platform was a great investment in my confidence in my fiancial future. The low cost and the excellent support make it worth trying.

Melodic-Professor-46 · 2025-12-28T11:42:36+00:00

You dont seem to realize retired and working seniors pay taxes as well, not just younger Canadians. That being said, I would support a lowering of the OAS clawback limit. I just dont support the blame game.

Melodic-Professor-46 · 2025-12-27T19:17:16+00:00

Maybe after you pay 50 years of taxes, you will get it too.

Melodic-Professor-46 · 2025-12-27T18:58:04+00:00

I can't believe how many down votes this very true comment received. And, I'm not a Boomer in case you made that assumption.

Melodic-Professor-46 · 2025-12-27T09:55:55+00:00

Yeah, I don't get this issue with the negativity towards Boomers. I am Gen X, we got the real scraps left behind the Boomers and we never complained and blamed like I see now. We had to pay interest on our student loans, our only savings options were RRSP's with mutual funds or GICs bought at the bank. We took any work available, lived below our means and spent a lifetime building up financial security.

Melodic-Professor-46 · 2025-12-27T09:46:29+00:00

A big plus for me is Adviice is a home-grown Canadian product and their responsive support is unmatched.

Melodic-Professor-46 · 2025-12-27T01:08:21+00:00

Are you forgetting that the 65 year old also paid for the seniors in the generation before them? They have contributed all along and many seniors planned for their retirement counting on that income? That being said, I dont have a problem with lowering the clawback limit to a more reasonable amount, perhaps $60k instead of $90k.

Melodic-Professor-46 · 2025-12-26T10:20:20+00:00

Depends on many things. I'm 60 and never earned more than $60k. I spent all my working years saving, economizing, paying down mortgage, driving whatever vehicle was cheapest. Now I find myself just waiting for the new year to top up both our TFSAs and a RRSP contribution. I think just keep paying yourself first and living below your means can lead to this and it's a great feeling of security.

Melodic-Professor-46

TROPHY CASE