These assumptions influence projected income, spending, and portfolio values. Review the value saved in the scenario before troubleshooting a result.

CPP and OAS are Canadian government retirement benefits. Planworth uses the client information and planning assumptions entered for the scenario to project available benefits.

Benefit eligibility and timing are client-specific. Confirm the applicable client information before relying on a projection.

Inflation is the assumed annual increase applied to spending and other indexed amounts in the projection. A scenario may use the advisor default available when it was created or a scenario-specific value.

Rate of return is the expected investment growth used in the projection. Planworth may derive projected portfolio returns from the selected risk profile, asset allocation, return assumptions, and fees.

Advisor Settings can provide starting defaults for a new scenario. The scenario saves its own assumptions, so changing an advisor default later does not automatically rewrite an existing scenario.