Every release,
thoughtfully crafted.

Income and Expenses outputs now match — Fixed current-dollar mismatches between the Income and Expenses page, AI Advisor response, and AI Advisor PDF report.

Lifetime Income Projection peak income corrected — Fixed AI Advisor current-dollar peak annual gross income so the amount and age align with the insight page and report.

Lifetime Income Projection net worth corrected — Fixed ending net worth mismatches so the AI Advisor response, PDF report, and insight page use matching values.

Retirement Withdrawals ending net worth corrected — Fixed AI Advisor ending net worth so it matches the Retirement Withdrawals PDF report, including exact dollar display where needed.

Clearer AI Advisor insight labels — Peak income labels now use age where appropriate, making AI Advisor summaries easier to compare with the charts and insight pages.

Knowledge Graph exploration in Knowledge Base — Knowledge Base content can now be explored visually through a graph view, making it easier to understand how retirement topics, FAQs, uploaded knowledge, and related concepts connect.

Uploaded-document Q&A in AI Advisor — AI Advisor can now use uploaded PDF and DOCX documents as searchable context, so users can ask questions about statements, notices, tax documents, and other financial files after upload.

Document uploads directly from AI Advisor — Users can upload supported documents from the AI Advisor chat experience, with clearer processing feedback and document-aware citations when answers rely on uploaded files.

Prompt suggestions for advisor workflows — AI Advisor now includes prompt suggestions that help users start common planning actions, simulations, insight summaries, and report workflows without needing to know the exact wording.

Expanded advisor insight summaries — More Projection Lab and Insights experiences can now be summarized inside AI Advisor, with links and report actions that take users to the matching planning page or PDF output.

Calculator access now adapts by country — Canadian users continue to see the current calculator tools, while U.S. users no longer see financial calculators that are not available yet. Navigation now stays focused on tools that are relevant to each user's region.

Milestones explain how life events fit the retirement timeline — The Milestones tab now includes clearer introductory guidance explaining how milestones can represent goals, retirement phases, financial independence, major purchases, healthcare changes, and legacy planning moments. Each milestone type also includes contextual tooltip guidance, helping users understand when and how to use it while organizing their plan and reviewing long-term projections.

Automatic sign-out extended to 30 minutes — The automatic sign-out window has been extended from 15 minutes to 30 minutes, giving users more time to review, compare, and update their plan before needing to sign in again.

AI Advisor results better match source pages and reports — AI Advisor responses for Projection Lab and Insights workflows now align more closely with the figures shown on the actual pages users open from chat, and several downloadable PDFs now use the same values shown in AI Advisor and the corresponding insight pages.

AI Advisor links preserve planning context more reliably — Links from AI Advisor now more consistently open the expected insight, simulation, or downloadable report, including supported current-dollar and future-dollar views.

Knowledge Base refresh and scale improvements — Knowledge Base and Knowledge Graph flows now refresh more smoothly and support larger result sets for exploration and administration.

Landing page calculator messaging updated for U.S. users — The landing page calculator section now makes it clear that U.S. calculator tools are coming soon, while Canadian users continue to have access to the currently available calculator experience.

Clearer document upload feedback in AI Advisor — AI Advisor now gives clearer upload and indexing feedback after a document is added, including whether the document is ready for follow-up questions.

Cleaner chat history and result behavior — AI Advisor chat history and result rendering were refined so previous conversations, generated links, and context-dependent answers are easier to follow.

Safer write-agent approvals — Financial-data updates proposed by AI Advisor continue to require explicit approval before being applied, with more reliable handling after a user approves or deletes a proposed action.

Permission-aware document and Knowledge Base access — Uploaded-document and Knowledge Base experiences continue to respect tenant, advisor-client, and permission boundaries, including when an advisor is viewing an active client.

Faster Knowledge Base exploration — Knowledge Base and Knowledge Graph flows now refresh and page through larger result sets more effectively.

More stable long AI Advisor responses — AI Advisor handles larger insight summaries and report-backed responses more reliably, especially when simulations contain long planning horizons.

More resilient document indexing — Document ingestion is more tolerant of individual parsing or indexing failures, so users get clearer status and can keep working.

Copied plans preserve more of the original plan — Copying a plan is now more complete and reliable. Previously, some copied plans could miss important configuration details such as time ranges, milestone-linked dates, plan assumptions, and related properties. Copied plans now better preserve the original plan's structure and settings, so users can duplicate an existing plan with greater confidence.

Fixed AI Advisor insight and report mismatches — Taxes, Projected Net Worth, Lifetime Cash Flow, Withdrawal Strategy, and Age Prediction outputs now line up more consistently between source pages, AI Advisor responses, and PDF reports.

Fixed write-agent approve and delete behavior — Approving or deleting AI-proposed financial updates now behaves more consistently after the user responds to the confirmation step.

Fixed Lifetime Income Projection prompt routing — The prompt suggestion for Lifetime Income Projection now launches the intended insight instead of routing to Income and Expenses.

'How to' walk-through on the sign-up screen — Before you create your account, the floating 'How to' button on the Login / Register screen opens a short Registration & Onboarding video that explains what your first session will look like — so you know what to expect before filling in the form.

'How to' help inside Account Settings — Account Settings now has its own dedicated tutorial covering profile, preferences, currency and household details. The floating 'How to' button is reachable from every settings page, so updating your account is fully self-serve.

Getting Started section on the Tutorial hub — The Tutorial page now opens with a dedicated Getting Started group featuring the Registration & Onboarding and My Account walk-throughs, so newcomers know exactly where to begin and don't have to scroll past advanced topics first.

Every module tutorial re-recorded with the latest screens — Tutorials for Dashboard, Financial Position, Age Prediction, What If, Market Risk, Withdrawal Strategy, RRSP → RRIF, Insurance, Lifetime Income Projection, Current Net Worth, Liquid Assets, Lifetime Cash Flow, Projected Net Worth, Income & Expenses, Retirement Withdrawals, Taxes, Plan Creation and Plan Simulation Explanation have all been refreshed to reflect the current product. The 'Who We Are' intro video on the home page has been updated as well.

Tutorials respect your country — Country-specific lessons — like RRSP → RRIF for Canadian households — now appear only for the users they apply to, with a small region badge in the Tutorial hub so you can see at a glance whether a video is generic or country-specific. The public marketing pages continue to show every video to anyone browsing.

Higher-quality video playback with all player controls in reach — Tutorial videos now request highest quality by default, and the player's settings, captions and fullscreen buttons are no longer hidden behind anything — so you can change quality, turn on captions or go fullscreen from any 'How to' or Tutorial page video.

Tutorial hub categories adapt to your account — Categories on the Tutorial page hide themselves when none of their videos apply to you, so a US-based household won't see an empty Canada-only section, and the sidebar stays focused on what's actually useful for you.

Removed the outdated 'Report' tutorial — The legacy Report tutorial has been removed from the Tutorial hub now that the Report section is no longer part of the product, so the category list only shows lessons you can actually open.

Dashboard chart tooltips stay inside the visualization — On the main Dashboard, tooltips on Projected net worth and on each plan’s chart view now behave like the line charts behind Chance of success and Age prediction: when your pointer is on the right side of the chart, the tooltip opens to the left of the cursor, and horizontal position is tightened so long tooltips—with milestone reminders and totals—stay within the chart area instead of spilling past the edge or overlapping neighbouring cards.

Stacked milestones sit evenly above projected bars and mini plan charts — When several milestones fall on the same age, badges above the projected net-worth bars and on the compact plan-chart view now share one consistent spacing model with the vertical space reserved at the top of each chart—so stacks read clearly without crowding or clipping.

Selected option in chart Display Options stays brand-coloured — Across every tab group inside chart Display Options—Line stroke, Notable Events, Animations, Chart Type, X-axis label, and Density—the currently selected option now keeps its primary brand colour at rest, matching the Current $ / Future $ behaviour. Previously the selection only looked highlighted while you were hovering it and faded back to white as soon as you moved away.

Property & Assets add/edit form opens one section at a time — The Add Asset and Edit Asset modals inside the Property & Assets panel now behave like the Income, Expenses, and Accounts editors: opening Financing Details, Usage, Taxes, Expenses, Sale, or More Options automatically collapses whichever section was previously open. Tall asset forms are easier to scan, and the editor scrolls the newly opened section into view for you.

Set Your Life Milestones in plan setup now mirrors the Retirement Simulation Milestones tab — The milestone step inside plan setup (the 33% Setup Retirement Plan stage) used to be a separate, simpler editor that drifted from the dedicated Milestones tab on the Retirement Simulation page. It has been unified to use the same milestone manager, so you now get the full experience—category sidebar, milestone templates, a date picker for at-date and before-date rules, anchored milestone offsets, icon and colour pickers, and consistent add / rename / delete behaviour—directly inside plan setup. Any improvement to the Milestones tab going forward automatically shows up in plan setup too.

Dashboard no longer flashes blank while results load — The success-rate ring with predicted ages on the Dashboard could briefly break the entire page while data settled. The page now stays visible and responds reliably while those values stream in.

Removed the 'Show Every Tick' toggle from chart Appearance — The 'Show Every Tick' switch in the Appearance section only affected a couple of charts, which made it look broken everywhere else. It has been removed so the Appearance panel only shows controls that work consistently across all charts.

Plan setup lists use the same detailed view as your Retirement Plan — While you create a plan, Income, Living Expenses, and Property & Assets now offer the same list-style toggle as the Plan tab on the retirement simulation: switch between a compact name-and-amount row and a richer row with the key details spelled out, with amounts shown in the right currency for your profile.

Insights that tell you what to do next — Savings, cash flow, income, withdrawals, taxes, and related projection views use the same loading pattern and explain, in plain language, when you need a plan or a retirement simulation before charts appear—then take you straight to create a plan, upgrade if you are at your plan limit, or run a simulation for the household you are viewing.

Exports pick up your on-screen brand colour — When you download an insight as PDF, the header bar now follows the same primary colour you see in the app, so printed or shared reports feel consistent with RetireWise on the web.

Clearer paths for AI Advisor and the Knowledge Base — When your subscription does not include AI Advisor or the Knowledge Base, dedicated messaging explains what you are missing and how to move forward, instead of a generic lock screen.

Leaner plan setup cards for income, expenses, and property — The Income, Living Expenses, and Property & Assets steps no longer show toolbar controls that did nothing, so the header stays focused on what works—adding items and switching list detail.

Preview labels sit next to the right Cortex destinations — Instead of marking the whole Cortex area as preview, only AI Advisor and Knowledge Base show a preview label when those experiences are still rolling out—so the rest of the Cortex menu reads as generally available.

Property & Assets step no longer goes blank after expenses — Moving from Living Expenses to Property & Assets during plan creation now always renders the step correctly, including when you already have property or tangible assets on the plan.

Estate Planning on the platform overview — The capabilities overview now includes Estate Planning with a short summary and a link to read more about how it fits your plan.

Primary tabs and toggles stand out more — The active tab or pill now reads at a glance with a solid primary treatment and high-contrast label, consistent across flows that use tab-style navigation.

Subtle ripple feedback on segmented controls — Important two-option switches—including dollar basis toggles and similar controls—give a quick visual ripple on press so choices feel more responsive on touch and mouse.

Market Risk: tighter date and milestone controls — Under Set Your Own Market Conditions, the date versus milestone choice and related fields use a more compact layout with better alignment on small screens.

Sign in and registration feel less rushed — Switching between sign in and create account uses longer, smoother panel transitions with fewer visual flashes, and the layout keeps a stable height while panels crossfade.

Multi-agent AI Advisor — AI Advisor can now route planning questions to specialist assistants for taxes, benefits, cash flow, retirement projections, risk, reports, Knowledge Base answers, and data updates - giving users more focused and useful guidance.

Streamed advisor responses — Responses now arrive progressively with clearer progress states, including when the advisor is researching, using tools, preparing evidence, or finalizing the answer.

Source-backed answers and citations — For questions that need current or reference-backed information, AI Advisor can include citations and supporting sources so users can better understand where the answer came from.

Conversational plan creation — Users can create plans through a guided conversation, move backward through steps, exit with confirmation, and prepare simulations using the same core planning inputs as the normal plan creation flow.

Advisor insights and PDF reports — Advisor insight summaries and report actions can now be launched from AI Advisor, including downloadable PDF outputs for supported insights.

Knowledge Base support — AI Advisor can draw from Knowledge Base content, while admins get improved management flows for search, document access, FAQ content, and permission-controlled visibility.

Simulation support through AI Advisor — AI Advisor now supports richer simulation workflows, including insurance planning, withdrawal strategy, market risk, what-if analysis, age prediction, and maximum sustainable income guidance.

Confirm-before-save data updates — When AI Advisor proposes updates to income, expenses, savings, assets, or related financial data, users see a confirmation step before anything is saved.

Smarter prompt routing — Planning prompts are now routed more reliably to the right advisor capability, including tax, benefits, research, reports, plan data, Knowledge Base lookup, and simulation workflows.

Better advisor-client context — Advisors working with a selected client get AI Advisor responses that respect the active client context, so answers and actions stay aligned with the household being reviewed.

Improved report actions — Report actions inside chat responses are clearer, easier to launch, and better connected to the generated outputs users expect to view or download.

More reliable simulation navigation — Links from AI-generated responses now route more predictably to chat results, simulation outputs, plans, and saved analysis pages.

Current-dollar and currency-mode clarity — Simulation outputs now do a better job of explaining whether figures are shown in current dollars or future dollars, helping users interpret long-term results with less confusion.

Clearer AI Advisor chat experience — The chat experience now better displays streamed responses, tool progress, citations, report actions, and generated result links.

Improved Knowledge Base admin flows — Knowledge Base management screens are easier to use and better reflect the current user's permission state.

Guided multi-step AI flows — Multi-step AI workflows now include clearer prompts, back navigation where appropriate, exit confirmation, and better result rendering after completion.

Cleaner advisor insight summaries — Advisor insight cards and summaries now present key planning takeaways more clearly inside the AI Advisor experience.

Permission-aware Knowledge Base access — Knowledge Base admin access now follows the current user's granted permissions, reducing accidental visibility for users who should not manage content.

Subscription-aware AI surfaces — AI Analytics, Portfolio Risk, Projection Lab, and Estate Planning now respect page-level subscription access, with clearer gating for advanced features.

Safer advisor-client isolation — Advisor workflows include stronger safeguards so client-facing AI actions stay attached to the selected client instead of the advisor's own account.

User confirmation before financial changes — AI-proposed financial updates require user confirmation before being applied, helping prevent accidental changes to important planning data.

Smoother AI response flow — Streaming, progress updates, and result rendering now feel more responsive during longer advisor workflows.

More efficient repeated advisor lookups — Advisor conversations now reuse relevant planning context more effectively during active sessions, improving consistency across multi-turn conversations.

Large simulation responses handled more gracefully — Heavier AI-assisted simulation outputs are now packaged and displayed more reliably, especially for long planning horizons.

Chat timestamps use the user's browser timezone — Restored chat messages now display timestamps in the user's local browser timezone instead of showing confusing restored-time values.

Fixed AI plan creation result links — Simulation result links generated from the AI Advisor plan creation flow now point users to the expected results.

Knowledge Base access reflects permission changes — Visibility now updates correctly based on the user's current Knowledge Base permissions and subscription state.

More stable advisor routing across planning tools — Resolved several issues where advanced planning prompts could route inconsistently across Roth conversion, RRSP/RRIF, passive income, market risk, and plan creation workflows.

Full United States retirement support — Complete coverage for US households: 401(k), 403(b), 457(b), Traditional / SEP / SIMPLE / Inherited IRA, Roth IRA / 401(k) / 403(b) / 457(b), Inherited Roth IRA, HSA, 529, brokerage, savings, pension, and annuity accounts — each tracked with the right tax rules out of the box.

United States tax & Social Security — Federal taxes for every filing status, state income tax for all 50 states + DC, FICA / self-employment tax, taxation of Social Security benefits, and current Required Minimum Distribution rules — applied automatically to every projection.

Social Security claiming optimizer — Compare claiming early, at full retirement age, or delayed up to 70 — including spousal and survivor benefits, cost-of-living adjustments, and how taxes shift across the household.

Roth Conversion Lab — Plan year-by-year Roth conversions with a bracket-fill optimizer, per-spouse settings, age windows, and a choice of paying conversion tax from cash or withholding. See the projected balance and tax impact side-by-side.

Cortex Marketplace — Cortex AI — A buy-once-own-forever catalog of expert-grade analyses delivered as polished PDF reports: Retirement Readiness Audit, Tax Optimization Strategy, Withdrawal Sequence Optimizer, Social Security / CPP Timing, Portfolio Risk, Insurance Needs, Estate Planning Checklist, and Early Retirement Feasibility.

Risk Lab — An at-a-glance portfolio risk score across eight dimensions, with a recommendations panel and an outcome-distribution view. Run a Risk Resolution batch to see how different changes (saving more, retiring later, shifting allocation) move you between Comfortable, Barely, and At-Risk outcomes.

Maximum Sustainable Income — Find the highest spending level your plan can support and compare it side-by-side with what you've planned for. Adapts to bequest goals, depletion tolerance, and household composition automatically.

Home Purchase Analysis — Model a future home purchase end-to-end — purchase price, down payment, mortgage rate, amortization, taxes, maintenance, insurance, HOA, and closing costs — and see the long-term net-worth impact alongside a full amortization table.

Estate Planning — A first-class estate page with country-aware rules: stepped-up basis and federal estate tax in the US; per-province probate and deemed-disposition treatment in Canada. Set bequest, charitable, and administrative percentages per plan.

Property assets done right — Houses, rentals, vehicles, and other real assets are now first-class — with rental income, sale scheduling, capital-gains exemptions, HOA, offset accounts, and appreciation modelled the way you'd expect.

Account transfers — Schedule recurring movements between your accounts — fixed amount or percentage, monthly or yearly, with optional age windows.

Progress tracking — Snapshot your net worth over time and compare your real-world progress against the projection your plan started with.

Per-plan tax, spending & saving priorities — Override jurisdiction defaults with your own tax assumptions, set per-category spending rules, and drag your contribution priorities into the order that matches how you actually save.

Plan-as-snapshot model — Each plan now captures its own country, region, and notes, and clearly labels every line item as inherited from your Financial Position or created inside the plan — so you always know what changed where.

Refreshed design system — A unified set of building blocks across the product: cleaner forms, consistent stepper and modal flows, and a refined dashboard shell that makes every page feel calmer and easier to scan.

Flexible planning controls — Toggle every amount between today's dollars and future dollars, anchor milestones around your retirement date, and pick the order accounts contribute or pay from — all with intuitive, drag-friendly controls.

All-new chart experience — Every chart now supports a unified time-range picker, dataset toggles, line / bar switching, milestone overlays, full-screen mode, and per-chart preferences that remember your settings between sessions.

Lifetime cash-flow Sankey — A brand-new cash-flow visualisation traces every dollar from income through taxes, savings, and spending so you can see where your money really goes year over year.

Smarter onboarding — Country and region validation built in, dynamic copy for US vs. Canadian accounts, account-owner selection, and a one-tap copy-investment shortcut so you set up faster.

Dashboard KPI overview — Expandable cards for savings, investments, real assets, and unsecured debt give you a snapshot of where you stand the moment you sign in.

Reports tuned for each country — Column names, account groupings, and benefit labels (Social Security in the US, government benefits in Canada) now match your jurisdiction. Empty accounts no longer clutter the report.

Pricing and offers — A US/Canada pricing toggle, a launch-window USA offer, and per-country plan currencies — so the price you see is the price you pay.

Projections are dramatically faster — Retirement projections now finish in roughly half the time on Canadian plans and several times faster on US plans — same accuracy, far less waiting.

Snappier dashboard loads — Trimmed down what each page asks for so dashboards open quickly even on slower connections, with no impact on the underlying analysis.

Smoother interactive charts — Reworked chart rendering keeps tooltips, time-range switches, and full-screen transitions feeling instant — even on long-horizon plans.

Smarter idle-session handling — A sliding inactivity timeout with a friendly countdown warning keeps your account safe across multiple tabs without logging you out mid-edit.

Cross-jurisdiction safeguards — Plans, assets, and personal information are now validated against your country and region so a misclick can't mix data across jurisdictions.

Privacy-first data handling — Sensitive identity fields are written to encrypted storage and read back through a separate decrypted view, so the right people see the right data and nothing more.

Safer access to advanced tools — The Lab modules, Cortex Marketplace, and Estate Planning are gated by your plan tier, with a clear upgrade path when you need more.

Multi-country foundation — The platform is now built for many countries from the ground up. Canada and the United States are live today, with more on the way.

Richer planning controls everywhere — Custom growth rates and caps, glide paths, spending flexibility, condition-based milestones ("when net worth crosses $X"), pay-from strategies, and recurrence intervals now apply to assets, expenses, income, and milestones alike.

Smarter ownership across the household — Milestones, charts, and accounts now track which person they belong to explicitly — no more brittle name matching and no more orphaned partner data.

Filing status that just makes sense — If you're planning solo, couple-only filing statuses now auto-correct so your taxes match how you're actually planning.

Fixed an orphan-partner edge case — When you switch to individual planning, partner-only data no longer leaks into projections.

Filing status auto-correction — Couple-only filing statuses now adjust to single automatically when planning is individual.

More predictable optimizer behaviour — The Maximum Sustainable Income result now consistently shows both your plan and the recommended numbers, so the comparison is always apples-to-apples.

Stable, repeatable results — Optimizers now produce identical outputs for identical inputs across runs — making it much easier to trust what you're seeing on screen.