Welcome to Oltre Financial

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How do you KNOW you are utilizing the RIGHT tax strategy?

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Tax Engine

Our tax engine ensures exceptional accuracy and delivers real-time tax projections. With a state-of-the-art algorithm designed to minimize taxes and align with your specific strategy, it stands out as the most powerful and innovative solution in its class. Count on it to guide you towards financial success, providing unmatched support and empowering you to make informed decisions.

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Deposit Strategy

Our deposit strategy revolutionizes your financial future by ensuring that your current deposits are strategically optimized to offset tax implications. It intelligently considers taxes year over year, offering a holistic approach that maximizes long-term wealth.

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Withdrawal Strategy

Say goodbye to the guessing game and traditional one size fits all approach, our unique strategy empowers you to know exactly how much and when to withdraw from your RRSP, TFSA, and non-registered accounts during retirement. With a clear plan in place, it guides you in the most tax-efficient withdrawal strategy, reducing potential higher taxes while ensuring you have sufficient funds for your annual after-tax expenses.

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CPP & OAS

Make the right choice when it comes to starting your Canadian Pension Plan (CPP) and Old Age Security (OAS). Timing matters, with significant tax implications. Our algorithms pinpoint the optimal age to start receiving CPP and OAS benefits all the while providing vital insights for users.

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Whole life Analysis

Analyze the implications of investments, withdrawals, purchases or sales of assets today, or anytime, on your future. Unlock the potential of your financial future with our powerful tool. Gain invaluable insights, make informed decisions, and chart your path to long-term success. Embrace effortless planning and financial clarity as your greatest asset. Analyze the implications of investments, withdrawals, purchases or sales of assets today, or anytime, on your future.

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Action Plan

Our action plan is your comprehensive guide to financial success, providing clear and detailed instructions tailored to your goals. Presented in a simple and user-friendly format, it equips you to take the necessary steps yourself or directly collaborate with your financial advisor or institution. With this plan in hand, you'll have the confidence and direction to manage your finances effectively.

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Empowering Your Financial Planning Journey

Built for those who want to go beyond the traditional financial planning methods, Oltre Financial is your gateway to breaking free from the one size fits all approach to estate planning. Say goodbye to settling for suboptimal financial plans and embrace a personalized journey that caters to your unique financial situation and goals. We understand the importance of minimizing your tax burden over the course of your lifetime, and our platform is designed to help you navigate complex tax landscapes, ensuring you keep more of your hard-earned wealth where it belongs – in your pocket. It's time to unlock the true potential of your wealth and create a plan that is as exceptional and extraordinary as you are. Whether you prefer a hands-on approach to managing your personal finances or collaboration with an investment advisor, planner, or broker, our tool enhances your current strategies and provides valuable insights to amplify your financial decisions.

Whether you prefer a hands-on approach to managing your personal finances or collaborate with an investment advisor, planner, or broker, our tool enhances your current strategies and provides valuable insights to amplify your financial decisions.

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How It Works

1

Income

Input your current income sources, including your salary and any other additional income streams. Also, include any future sources of income, such as Canadian Pension Plan (CPP), Old Age Security (OAS), and employer pensions.

2

Investments

Provide the current balances for your Tax-Free Savings Account (TFSA), Registered Retirement Savings Plan (RRSP), and all non-registered investments, including stocks, bonds, and mutual funds.

3

Assets

In this step, you have the opportunity to Include any assets you would like to consider in your analysis, such as real estate, life insurance, business holdings, and more.

4

Expenses

Enter your annual after-tax household expenses along with any debts.

5

Select Strategy

Compass offers three optimization strategies: Max Value focuses on minimizing taxes, increasing estate value, and meeting annual expenses; Set Value aims to minimize taxes, achieve a set estate goal, cover expenses, and allow additional spending; Max Spend depletes estate value strategically while minimizing taxes and maximizing annual spending.

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Start planning for your future

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