Retirement income planning

Retire with clarity.
Live with confidence.

True North is a planning tool that turns the assets you've already built into a clear, year-by-year withdrawal plan — accounting for taxes, sequence of returns, and the life you actually want to live.

Built for households, not advisors Tax-aware withdrawal modeling Stress-test scenarios
01 · Clarity

See the whole picture, on one page.

Every account, every income source, every expense — laid out so the trade-offs become obvious instead of theoretical.

02 · Income

Know which dollar to spend, in which year.

A withdrawal sequence that respects tax buckets and Required Minimum Distributions — without making you read a tax code.

03 · Confidence

Stress-test the future, not just the average.

Model what happens in a down market, an early death, a long-term-care year. See where the plan holds and where it bends.

What it does

Four moving parts.
One quiet machine.

Retirement income isn't one decision — it's hundreds of them, repeated yearly for thirty years. True North gives you a single place to make them, revisit them, and watch them compound into a plan.

Profile & Assets

Bring every account — taxable, tax-deferred, Roth, banking, pensions — into one inventory. Tag what's withdrawable, what's locked, and what's just sitting there earning.

Accounts · Balances · Cost basis

Income & Expenses

Layer in Social Security, pensions, part-time work, and recurring expenses by year. Watch the gap between income and need — the gap your portfolio has to fill.

Social Security · Pensions · Spending

Withdrawal Strategy

A year-by-year plan for which account to draw from, how much, and why — with Roth conversion windows, RMD timing, and bracket-aware sequencing built in.

Year-by-year · Tax-aware · RMD-ready

Scenarios

Run your plan against a 2008, an early death, a long-term-care year. Compare side-by-side. Find the version of your plan that survives the worst version of the future.

Compare · Stress-test · Decide
A look inside

Designed for the
way you actually think.

Calm interface. Real numbers. No charts that pretend the future is smooth. Every screen is built around the question you're actually asking: will this be enough?

Profile

Assets

1Assets 2Income 3Expenses
Investment Accounts
Banking
Real Estate
M
RRSP — LIRA
Canadian Retirement
Jan 2026
Taxable
$109,323
J
Roth IRA
Retirement
Jan 2026
Sometimes Taxable
$284,510
M
Brokerage — Joint
After-tax
Jan 2026
Taxable
$472,890
J
401(k) — Rollover
Tax-deferred
Jan 2026
Taxable
$1,204,775
How it works

Three steps. One afternoon.

You don't have to fill out a 40-page risk tolerance questionnaire. Bring your accounts, tell us when you want to retire, and walk through what your years should look like.

01

Map your assets

Add the accounts you already have — retirement, brokerage, banking, real estate. Tag tax treatment. Set cost basis where it matters. About fifteen minutes for most households.

02

Set the shape of retirement

Tell us when you stop working, what you'll spend, when Social Security kicks in, and any pensions or part-time income. The model fills in the rest year by year.

03

Plan, stress, revise

Read your withdrawal sequence. Compare scenarios. Change a number. See what breaks and what holds. Come back next year and do it again — that's the whole loop.

Who it's for

Households planning their own retirement.

True North is built for people who'd rather understand their own plan than outsource it to someone who charges 1% to look at it once a quarter. Best fit if:

You're 5–15 years out, or already there.

The plan matters most in the decade around retirement. That's where True North earns its keep.

You have multiple account types.

Taxable, Roth, tax-deferred, pensions, real estate. The more buckets, the more there is to sequence.

You want a plan you can read.

Not a Monte Carlo summary statistic. The actual sequence — what you draw, from where, in which year, and why.

Your guide to income that lasts.

Start your plan in under an hour. Map your assets and see your first-year withdrawal sequence — no card, no advisor, no obligation.