Empowering Your Retirement Journey
Retirewise is an AI-powered retirement planning platform for households in Canada and the United States. We combine deep domain expertise with modern technology to deliver guidance that follows the rules where you live—registered and tax-advantaged accounts, government benefits, and the tax treatment that applies to your plan.
Our Mission
Our mission is to democratize retirement planning by making sophisticated financial guidance accessible—without generic one-size-fits-all assumptions. We believe everyone deserves a clear, secure, and fulfilling retirement plan, regardless of background.
We help households navigate the complex landscape of retirement planning—from CPP/OAS optimization in Canada to Social Security claiming strategy in the United States—plus tax-efficient withdrawal sequencing, registered account conversions, and everything in between.
What Sets Us Apart
Country-Aware Planning
Unlike generic retirement calculators, Retirewise adapts to your country and region. Canadian users get CPP/OAS, RRSP/TFSA/RRIF, and provincial taxation (including Quebec); U.S. users get Social Security, Traditional/Roth IRAs, 401(k)/403(b)/457(b), HSA, and federal & state taxation—each with their respective rules and optimizations.
Household & Spousal Modeling
We account for household dynamics with joint retirement planning—optimizing tax efficiency, survivor scenarios, and country-specific spousal strategies (such as Canadian income splitting or U.S. spousal Social Security claiming) to protect both partners.
Accessible AI Guidance
Our AI assistant explains complex financial concepts in plain language and provides personalized recommendations based on your unique situation and goals.
Our Story
Retirewise was founded in 2024 by a team of financial advisors, technology experts, and retirees who recognized a critical gap in retirement planning tools for everyday households.
After watching countless people struggle with retirement decisions due to fragmented information and guidance that ignored local rules, we set out to create a solution that combines human expertise with AI—built first for Canadian households and extended to fully support U.S. retirement planning.
Today, we help thousands of households on both sides of the border gain clarity on their retirement plans and make confident decisions about their financial future. Our team continues to grow, but our mission remains the same: expert planning that respects the details that matter where you live.
Our Values
The principles that guide everything we do at Retirewise:
Accessibility
Making financial expertise accessible to households of all backgrounds and abilities
Transparency
Clear, honest guidance with no hidden fees or conflicts of interest
Empowerment
Empowering users with knowledge and tools to make confident decisions
Innovation
Continuous improvement through technology to serve our users better
Start Your Retirement Journey Today
Join thousands of households who have gained clarity and confidence in their retirement planning with Retirewise.