Discover the retirement income style that will actually feel right
Most people spend years asking how much they need for retirement. Far fewer ask what kind of income will help them feel secure, confident, and in control. This free assessment goes beyond the calculators to reveal how you are truly wired.
Free - 5 Questions - No Personal Information Needed - Takes 2 Minutes
3 Retirement Income Personalities. 1 is Yours
Retirement decisions are rarely purely rational. They are shaped by how you relate to certainty, market movement, control, and peace of mind. In a few minutes, this diagnostic uncovers your natural preference and maps it to one of three profiles.
Wired for certainty
You value guaranteed, predictable income and peace of mind above all. See how strategies built around dependable paycheques could fit your mindset.
Protection and growth
You want a blend: a secure foundation plus room to grow. Discover how a balanced approach could give you both stability and opportunity.
Comfortable with movement
You accept market movement in exchange for flexibility and long-term opportunity. Learn how a market-based plan could match how you think.
Why your advisor may never mention the option that's actually right for you
Here's an uncomfortable truth: the quality of financial advice you get is often limited by what your advisor is licensed and incentivised to sell.
If they only sell investments, you'll get an investment-based plan. If they only sell insurance products, you'll get an annuity-based plan. Either way, the recommendation may say more about your advisor's product shelf than about who you actually are.
That means the retirement income structure best aligned with your personality and peace of mind may never even come up in the conversation.
The Retirement Income Personality Scorecard flips that script. It starts with you: your relationship with risk, certainty, and control, before any product or provider enters the picture. So you know what you should be looking for, before someone tries to sell you something else.
Free. 5 questions. No personal information needed. Takes 2 minutes.
Clarity that changes the retirement conversation
For the first time I understood why guaranteed income mattered so much to me. It put words to a feeling I could never explain to my advisor.
I always thought I had to pick one plan or the other. Seeing my profile showed me exactly why a balanced approach fit how I actually think.
Five questions and two minutes gave me more clarity than three meetings with different advisors. I finally knew what to ask for.
The first 4 years of retirement can make or break everything
Here's something most retirement calculators completely ignore: it's not just how much your investments average over time, it's when the losses happen.
If the market drops in the first few years after you retire, and you're withdrawing income at the same time, that combination can permanently shrink your portfolio's ability to recover, even if your long-term average return ends up being identical to someone who retired at a different time.
Two people can have the exact same average return over 25 years, and one runs out of money at 78 while the other has plenty left at 90. The difference isn't luck. It's whether their income structure was built to withstand those critical early years.
This is why your Retirement Income Personality matters
If you're Income Security or Balanced Income DNA, a structure with guarantees can protect you from ever having to sell investments at a loss during those fragile early years. If you're Growth & Flexibility DNA, you'll want a strategy that specifically accounts for this risk, not one that just assumes average returns will save you.
Retirement isn't just a numbers problem. It's a personality problem.
Some people need to know their income is guaranteed, no matter what the markets do. Others want a safety net and room to grow. And some are perfectly comfortable riding the waves for long-term upside.
None of these are wrong. But building your retirement around the wrong one, or around whatever your advisor happens to sell, is how people end up anxious, second-guessing every decision, or locked into a plan that fights against who they actually are.
The Retirement Income Personality Scorecard identifies your unique risk personality in 5 quick questions, then matches you to the income strategy built for how you actually think and feel.
Meet Tyler
For over 14 years, I was a traditional Financial Advisor operating in a system where advice was often tied to the sale of financial products.
In 2015, I took a step back and reevaluated what Canadians actually need
Unbiased advice, no product pitches, no slick marketing, real advice from a normal guy not talking jargon in an expensive suit, or having to fulfil sales quotas. That's why I launched OnPoint Private Wealth Coaching in 2019 and to date, our scorecards have helped over 3,500 Canadians.
Questions before you start?
Ready to discover your Retirement Income Personality?
Five focused questions. Two minutes. A clear picture of the income strategy that fits how you actually think and feel.
Free. 5 questions. No personal information needed. Takes 2 minutes.