—
—
Secure access
Stewardship
A private place for the financial life we manage together.
Need help accessing your account?
Contact support@tkdalewealth.com or 647-250-7262 for secure access assistance.
Before you continue
Please review and accept
TK Dale Wealth Management requires every user to accept the current Privacy Policy and End User Service Agreement / Terms & Conditions before using the portal. Please review the document below.
— agreements to be accepted
Loading…
Sign out · Questions? Contact support@tkdalewealth.com.
Operating overview
Overview
Daily summary of your practice, operations, and sensitive client workflows.
Dev environment
Firm AUM
—
No AUM data available yet.
Attention required
Negative cash balances, short positions, and possible margin activity across every visible account.
| Type | Account | Amount | Qty | Security / reason |
|---|
No exceptions.
Daily briefing
—
No signals this morning — nothing needs your attention.
Selected household accounts
--
Households
--
Accounts
--
Selected household mandates
--
Good day
Your portfolio
—
Your total will appear here once your latest balances load.
Your return
—
Your earnings
—
Net of all fees
Value over time
No value history is available yet.
Your accounts
Your accounts will appear here once loaded.
Account Snapshot
Visible accounts as of June 8, 2026
| Account Number | Household | Type | Market Value | Equity |
|---|
Selected Household Structure
Live client and mandate relationships for the currently selected household.
Household—
Client profiles—
Mandates—
Unique accounts—
Clients
Visible relationship profiles under the selected household.
Mandates
Live investment-management groupings tied to those accounts.
Your Household Structure
The members and accounts of your household, as shared with your portal access.
Household—
Client profiles—
Mandates—
Unique accounts—
Members
People in your household and the accounts they hold.
Mandates
Mandates grouped across the accounts visible to you.
Ingestion Status
Live recent import posture from controlled intake batches.
Recent Audit Activity
Meaningful actions with actor traceability.
Recent Documents
Secure materials shared with your household.
Your latest statements, tax slips, and reports appear on your Documents page.
View documentsVisible Mandates
Investment-management groupings available inside your current household scope.
Upcoming Touchpoints
Planned communication and review cadence.
Upcoming meetings with your advisory team will appear here.
Contact your teamRelationship management
Households
Prioritize households by service posture, suitability cadence, and open obligations.
Visible households
Only households your current role is allowed to review appear here.
| Household | Status | PM Codes | Accounts |
|---|
Selected household
Review the live client and mandate structure under the chosen household.
Household
—
Status
—
Unique accounts
—
No rep codes attached.
Clients
Viewing relationships and account visibility.
Mandates
Investment-management grouping across accounts.
Administration
Households
Select a household below to rename, delete, or manage its rep codes.
All households
Select a row to target the rename/delete and rep-code forms below.
| Household | Status | PM Codes | Accounts |
|---|
Create household
Households group clients. Attach existing client profiles to a household below.
Attach client to household
Choose a household by name, then search and select a client profile to attach.
Household rep codes
Attach a rep code so PMs gain visibility before any accounts are linked. Select a household on the Households page first.
Selected household
—
No rep codes attached.
Rename or delete household
Select a household on the Households page, then rename or delete it here.
Household ID
—
Detaches its clients (never deletes them) and removes rep-code links. Refuses if mandates still exist under this household. Type the household's name to confirm.
Investment management grouping
Mandates
Review the mandate groupings currently visible to your role without double-counting linked accounts.
All visible mandates
Visible mandates
Mandates remain parallel to clients inside each household and group the accounts they manage.
| Mandate | Household | Objective | Accounts | Status |
|---|
Administration
Mandates
Select a mandate below to target the account-link flow.
All mandates
Select a row to target the account-link flow below.
| Mandate | Household | Objective | Accounts | Status |
|---|
Create mandate
The Mandate ID is generated automatically. Create a mandate under a household and reference an allocation model.
Delete mandate
Only mandates with no linked accounts can be deleted — unlink accounts first. The deletion is audited with the mandate's full prior state.
Type the mandate's display name to confirm.
Edit mandate
Update the mandate's internal name, household, objective, status, or allocation model. Client-facing visibility remains managed separately below.
Client visibility
Share a mandate with its clients as a grouping card. Clients only ever see the client display name and their own linked accounts — never the internal mandate name, and never another client's accounts.
Link account to mandate
An account may only belong to one mandate. Pick a household to see its accounts; check any subset to link, or select one already in another mandate to move it (requires confirmation).
| Account Number | Account Type | Owner(s) | Current Mandate | |
|---|---|---|---|---|
| Select a household to see its accounts. | ||||
Confirm move
Mandate compliance
Monthly per-mandate variance vs. allocation model, drift summary. Permanently archived at every generation.
| Month | Latest generated | Generations | Status | Actions |
|---|
Report detail
Assessed0Mandates
Within band0OK
Over half band0Watch
Breaches0Needs review
Unassessable0No model
Accounts
Accounts
Every account visible to your current role, with quick filters and a link to full account detail.
Household: —
Your accounts will appear here once loaded.
Visible accounts
Only accounts available to your current role are shown here.
| Name | Account Number | Account Type | TD Cash | Equity | Cash % |
|---|
Account detail
Account Overview
Account header, cash balances, and top holdings.
Trading restrictions:
Account —
Type —
Status —
Rep code —
Owners —
KYC Last Updated —
TD Cash —
SD Cash —
Equity —
This account
—
Return
—
Earned
—
Operations note
Performance Provisional
Returns appear once daily values are stored for this account.
All-in cost
All-in cost appears once fund expense figures are ratified.
Value over time
No value history is available yet.
Top 10 securities by market value
| Symbol | Description | Market Value |
|---|
Asset mix
| Class | % | Market Value |
|---|
Recurring cash flows
| Direction | Amount | Frequency | Start | End | Note |
|---|
No recurring cash flows on record for this account.
Holdings
As of —
Buy a new security
Search the full security master, including securities this account does not currently hold.
Choose a result to open a BUY ticket with this account already selected.
Positions & Cash
| Quantity | Symbol | Description | Book Value | Close | Market Value | Unrealized G/L | Income | Avg Cost | Total G/L | Actions |
|---|
Excluded from management fees · Excluded from asset-allocation calcs · Classified per account-level IPS override · Trading restricted
Filters
Activity
Back-dated rows since your last export: —
Prior exports
| Exported | From | To | Rows | By |
|---|---|---|---|---|
| No prior exports. | ||||
| Account | Trade | Settle | Process | Type | Symbol | Description | Qty | Price | Comm | Amount |
|---|
Where the custodian did not report a trade or settlement date (some dividends before mid‑April 2026), the process date is shown instead — marked with a dotted underline.
Page 1 of 1
Documents
Statements, tax slips, and trade confirms covering this account.
| Document | Type | Period | ||
|---|---|---|---|---|
| Loading… | ||||
Household detail
Household Workspace
Household header, aggregated holdings, and activity across every linked account.
Trading restrictions:
Household —
ID —
Accounts —
Mandates No mandates on this household.
Total AUM
Performance Provisional
Returns appear once daily values are stored for the linked accounts.
| Account | Type | 1M | 3M | YTD | Since inception |
|---|
All-in cost
Computing household all-in cost…
Value over time
No value history is available yet.
Account notes
Accounts
| Account | Owner(s) | Type | Mandate |
|---|
Members
Every client profile attached to this household, with its linked accounts.
No clients attached to this household.
Search to see matching client profiles.
Holdings
As of —
Positions & Cash
| Quantity | Symbol | Description | Book Value | Close | Market Value | Unrealized G/L | Income | Avg Cost | Total G/L | Actions |
|---|
Excluded from management fees · Excluded from asset-allocation calcs · Classified per account-level IPS override · Trading restricted
Filters
Activity
| Account | Trade | Settle | Process | Type | Symbol | Description | Qty | Price | Comm | Amount |
|---|
Where the custodian did not report a trade or settlement date (some dividends before mid‑April 2026), the process date is shown instead — marked with a dotted underline.
Page 1 of 1
Documents
| Document | Type | Period | ||
|---|---|---|---|---|
| Loading… | ||||
Meeting prep
Meeting prep appears once account data is loaded for this household.
Client detail
Client Workspace
Client header, aggregated holdings, and activity across every linked account.
Trading restrictions:
Client —
ID —
Household —
Accounts —
KYC Last Updated —
Total AUM
Performance Provisional
Returns appear once daily values are stored for the linked accounts.
| Account | Type | 1M | 3M | YTD | Since inception |
|---|
Value over time
No value history is available yet.
Account notes
Accounts
| Account | Owner(s) | Type | Mandate |
|---|
Client team
Staff assigned to this client -- shown on their Support page and named in review requests. At most one active portfolio manager; assigning a new one replaces the current one.
Trading restrictions
Active restrictions on this client (client-scope plus per-account rows on their accounts). Read-only -- manage them under Trading > Restrictions.
| Security | Currency | Scope | Type | Enforcement | Reason | Window | Note |
|---|
Holdings
As of —
Positions & Cash
| Quantity | Symbol | Description | Book Value | Close | Market Value | Unrealized G/L | Income | Avg Cost | Total G/L | Actions |
|---|
Excluded from management fees · Excluded from asset-allocation calcs · Classified per account-level IPS override · Trading restricted
Filters
Activity
| Account | Trade | Settle | Process | Type | Symbol | Description | Qty | Price | Comm | Amount |
|---|
Where the custodian did not report a trade or settlement date (some dividends before mid‑April 2026), the process date is shown instead — marked with a dotted underline.
Page 1 of 1
Documents
| Document | Type | Period | ||
|---|---|---|---|---|
| Loading… | ||||
Meeting prep
Meeting prep appears once account data is loaded for this client.
Mandate detail
Mandate Workspace
Mandate header, aggregated holdings, and activity across every linked account.
Trading restrictions:
Mandate —
ID —
Household —
Accounts —
Tracking mode
—
Total AUM
Performance Provisional
Returns appear once daily values are stored for the linked accounts.
| Account | Type | 1M | 3M | YTD | Since inception |
|---|
Value over time
No value history is available yet.
Account notes
Accounts
| Account | Owner(s) | Type | Mandate |
|---|
Holdings
As of —
Positions & Cash
| Quantity | Symbol | Description | Book Value | Close | Market Value | Unrealized G/L | Income | Avg Cost | Total G/L | Actions |
|---|
Excluded from management fees · Excluded from asset-allocation calcs · Classified per account-level IPS override · Trading restricted
Filters
Activity
| Account | Trade | Settle | Process | Type | Symbol | Description | Qty | Price | Comm | Amount |
|---|
Where the custodian did not report a trade or settlement date (some dividends before mid‑April 2026), the process date is shown instead — marked with a dotted underline.
Page 1 of 1
Actual mix vs. allocation model
Compares current holdings against the linked allocation model's targets and variance bands.
Pooled comparison
| Asset class | Target % | Band ± | Actual % | Actual MV | Δ | Status |
|---|
Documents
| Document | Type | Period | ||
|---|---|---|---|---|
| Loading… | ||||
Relationship management
Clients
Review created client profiles and confirm suggested account groupings.
Client setup in progress
Half-done "Set up client" wizards -- resume where you left off, or cancel to discard the draft.
| Client | Progress | Last updated |
|---|
Client profiles
Every client profile created so far, with its linked accounts and household. Each account shows number · type · owner.
| Client | Status | Household | KYC | Accounts |
|---|
Relationship management
Set up client
Start a new client, or convert an existing prospect. Progress is saved automatically after each step, so a half-done setup survives navigation or reload.
Start
New client, or convert an existing prospect (a client profile with status PROSPECT) -- conversion carries every known field forward.
Identity
Same validation as the classic create form -- structured first/last name, derived "Last, First" display name.
Zoho link
Search Zoho CRM contacts by name or email, then link the matching contact. Creating a new contact in Zoho is out of scope this round -- skip to record "create later".
| Name |
|---|
Household
Create a household, attach to an existing one (search by name), or skip for now.
Accounts
Link custodian accounts (from loaded EOD data) to this client. Search by account number or owner name; an owner-mismatch badge flags custodian/portal disagreements.
| Account | Type | Owner(s) |
|---|
No accounts selected yet -- you can also continue with none and link accounts later.
Confirm custodian identity
A just-linked account has a custodian-reported owner that needs an explicit choice -- either it's a joint account with more than one owner, or the owner code is already linked to a different client. Review each owner below.
Mandates
Assign the linked account(s) to one or more mandates -- create a new one or attach to an existing mandate in this household, each with its own accounts and its own tracking mode. Use "Add another mandate" to set up more than one, then Continue when done.
Fees
Assign a fee plan to each linked account -- individually via the dropdown, or select several and apply one plan in bulk. Fees are account-level only, independent of mandates; accounts on this client may carry different plans.
| Account | Fee plan | Current assignment |
|---|
No accounts are linked to this client yet -- go Back to Accounts to link some, or continue without assigning any fee plans.
Planning profile
Create a financial-planning profile for this client now, or skip -- planning data isn't always known at setup time.
Access & welcome
Grant this client portal access and send the welcome email, or skip for staged onboarding -- access can always be granted later from User Access.
Granting portal login access is admin-only. PMs may skip this step; an admin can complete it later.
Review
Everything below is already saved. Use Edit to jump back to any step, then Finish when you're done.
Administration
Clients
Select a client below to amend or delete it.
Create a client
The internal Client ID is generated automatically. Client portal login is granted separately, by linking an email via access grants.
A client with this name already exists
Link accounts to client
Choose a client, then check the accounts to link. Already-linked accounts are marked and disabled.
Search to see matching client profiles.
Select a client to see its linkable accounts.
Confirm custodian identity
A just-linked account has a custodian-reported owner that needs an explicit choice -- either it's a joint account with more than one owner, or the owner code is already linked to a different client. Review each owner below.
All clients
Filter by client, household, account, status, or KYC state. Select a row to target the edit panel below.
| Client | Status | Household | KYC | Accounts |
|---|
Edit client profile
Click a client row on the Clients page to amend its display name, remove linked accounts, or delete the portal relationship.
Client ID
—
Custodian source-client links
The custodian identities (core.client) this profile is confirmed to represent. An EFT owner-mismatch badge means a custodian-reported owner of the account has no link here -- link it below, or confirm it from the account-link prompt.
This removes the portal relationship only (profile + its account links); custodian account/client data is untouched. Type the client's name to confirm.
Suggested client groupings
Accounts sharing the same source client that are not yet grouped into a client profile. Confirm to create the client and link the accounts.
Suggested households
Clients that share co-owned accounts. Confirm to create a household and attach both clients.
Administration · Clients
Zoho Sync
Review client-to-contact matches, correct a wrong match, and pull approved profile fields from Zoho CRM.
Zoho client directory
Pulls preferred name, mailing/home address, and KYC review date from Zoho CRM into matched client profiles. Banking, SIN, and date-of-birth fields are never part of this sync.
Administration
Allocation Models
Master targets and variance bands. Editing a model updates every mandate that references it.
Create allocation model
Targets must sum to exactly 100. Variance bands must each be between 0 and 100.
Confirm change
Allocation models
Per-class target ± variance. Select a row to edit it.
| Model | Cash | Fixed Income | Equity |
|---|
Administration
Communications
Design the welcome email each new user type receives, and the financial plan report's disclosures page. Changes apply to every future email or plan report of that type.
Template
Pick a template to edit.
Editing the Client template — applies to every future client welcome email.
Edit
Subject and body. The plain-text version is derived automatically unless you switch to manual editing.
Preview
Rendered with sample values, exactly as a recipient would see it.
Subject
Send a test
Sends the rendered template with sample values to your own inbox.
Administration
Fees
Fee plans, account assignments, per-account settings, monthly billing runs, and the trade commission schedule.
Trade commission schedule
Versioned data: each version applies from its effective date; a rate change is a new version and never rewrites history. Trade programs price from the version effective on the build date.
| Effective | Mutual fund flat $ | Equity min $ | Equity $/share | Source note | Actions |
|---|
Commission type map
Assign each custodian Security Master type to a fee schedule. Unmapped or inactive types remain blocked from automatic trade pricing and export.
| Type code | Description | Fee schedule | Source note | Active | Actions |
|---|
Create fee plan
Flat plans use a single annual rate. Tiered plans apply each rate marginally above its floor.
Fee plans
Edit renames a plan or adjusts its tiers/rate — a percent change warns how many accounts are attached and applies from the next fee run. End/termination actions live on the account assignment (see Current assignments below), not here.
| Plan | Type | Status | Tiers | Actions |
|---|
Confirm plan edit
Active accounts with no fee plan
Every active account currently missing a fee plan assignment. Assign a plan to close the gap.
| Account | Type | Owner(s) | Equity |
|---|
No active accounts are missing a fee plan.
Confirm plan end
| Account | Currency | Equity base | Prorated amount | Days elapsed |
|---|
Assign fee plan
One active assignment per account. Search for the account below.
Bulk assign fee plan
Round O3 (owner-ruled 2026-08-03): select several accounts and apply one plan to all of them. Each account is assigned independently -- an account that already has an active plan fails for that account only (end it first, then re-run), the rest still succeed.
Current assignments
Grouped by household, then clients without a household, then accounts with neither. Select End to stop an account's fee plan.
| Account | Plan | Province | Valid from | Valid to | Actions |
|---|
End fee plan assignment
Fees stop accruing today. A partial-month fee to date is generated now as a draft line, with the ability to override the account value (defaults to the most recent equity amount, still honoring security exclusions/earmarks/trailer marks).
Ending as of last month allows for this month to have a new fee plan.
| Currency | Equity base | Prorated fee |
|---|
Account fee settings
Cash earmark, security exclusions, and the persistent fee note for one account.
Cash earmark
Security exclusions
| Security | Currency | Note | Actions |
|---|
Persistent note
Fee runs
Generate a draft for a period, review and adjust lines, then finalize.
Historical runs
Every generation ever produced for a period stays here — regenerating never overwrites a prior run.
| Generated | Status | Lines | Total | Actions |
|---|
Fee run lines
No fee run loaded.
| Account | Currency | Month-end equity | Adjusted equity | Securities excluded | Adjustment total | Fee | Tax | Total | Adjustment | Notes | Exclude | Account note |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Totals (excludes lines marked Exclude) | ||||||||||||
Confirm finalize
Administration
Securities & Classifications
Assign every security an equity / fixed income / cash split, add off-book securities for trade-program use, and manage manual price overrides. Unclassified securities are never guessed -- classify them here.
0 of 0 securities classified
Add off-book security
Off-book securities (origin = manual) are never touched by custodian feed updates -- use this for trade-program replacement securities not yet held anywhere.
Securities
Equity, fixed income, cash, and digital-assets percentages must sum to exactly 100 for each row. Dual-currency listings classify independently. A “Commission review required” badge blocks automatic trade pricing/export until the instrument type is added to the controlled commission map.
| Symbol | Description | Type | Origin | Equity % | Fixed Income % | Cash % | Digital assets % | Trailer | Status |
|---|
Exclusions overview
Every security-in-account with a fee and/or asset-allocation exclusion. Click a ticker to see all accounts holding that security.
| Security | Account | Type | Note | Added by / at |
|---|
Holders
Accounts holding this security at the latest loaded position date.
| Account | Type | Owner(s) | Quantity | Market value | Notation |
|---|
Trading restrictions
Current and expired restrictions across the firm. Create or retire restrictions from Trading.
| Security | Currency | Scope | Type | Enforcement | Window | Note |
|---|
Administration
Fund Costs
MER / TER / FER per fund, transcribed from public fund documents and ratified here before any calculation may use them. Figures older than 12 months are flagged stale (the TCR staleness limit). Editing a figure returns it to Proposed — re-ratify after any change.
No fund expense figures loaded
Fund expense ratios
FER is always MER + TER. Ratify makes a figure calculation-eligible; Unavailable rows are excluded from every calculation and disclosed as exclusions.
| Symbol | Name | MER % | TER % | FER % | As-of | Status | Source | Notes |
|---|
All-in cost by account
Weighted fund FER (ratified figures only, CAD-equivalent weights at the latest loaded date) + the account’s management-fee plan rate. Trailer-only accounts (no fee plan) show the fund-embedded cost alone — no overlay.
The Fund holdings amount includes only holdings with ratified FER data; omitted holdings are disclosed in the account view.
| Account | Market value (CAD) | Weighted FER % | Fee plan | Fee plan % | All-in % | Flags |
|---|
Administration
Activity Codes
Classify every custodian transaction code as Internal or External. This split drives performance returns -- unclassified codes are flagged until you decide, never guessed.
0 of 0 activity codes classified
Internal vs. External
Internal — activity generated by the investments themselves (income, fees, trades). Stays inside the return calculation: income raises returns, fees lower them.
External — client money moving in or out of the account (deposits, withdrawals, transfers, grants, tax remitted to CRA). Excluded from returns — moving your own money is not investment performance.
A mis-classified code silently skews every return.
Transaction codes
Every code seen in the custodian feeds, with live usage. Unclassified codes sort to the top. Notes save with the classification.
| Code | Classification | Uses | Sample description | Notes | Classified by / at |
|---|
Administration
Corporate Actions
Record splits, return of capital, mergers, spin-offs and symbol changes so quantity, cost basis and returns stay correct across events that are not normal buys or sells.
0 corporate actions recorded
How corporate actions work here
A corporate action re-expresses a position — it is not a trade. A 2:1 split doubles shares and halves the price while total book cost and market value stay unchanged; ROC reduces cost basis; a merger carries basis to the new security. Recording the event correctly is what keeps average cost, unrealized G/L and returns from misreading it as a phantom trade or a price crash.
Nothing applies to the ledger or returns until an event is CONFIRMED. Once confirmed, every action type is applied by the episode/average-cost rebuild: splits, reverse splits and return of capital re-express quantity and basis; symbol changes carry the position's identity, basis and episode to the new security number; stock mergers roll the full book cost into the new listing (an exchange, never a sale); cash mergers close the position with a realized gain/loss (the custodian's own cash rows remain the cash record — nothing is double-counted); spin-offs allocate basis between parent and spinco; stock dividends add units with FMV-based basis where a price is on file. Returns need no adjustment — the value series reads real market value and a re-expression emits no flow. A wrong row is never edited or deleted — supersede it with a corrected row and both stay visible.
Record a corporate action
Manual-first: hand-enter the event terms per security. Manual entries save as Confirmed unless you park them as Proposed.
Superseding event
Enter the corrected facts below — the original row keeps its facts and stays visible, linked to the correction.
Events
Proposed events sort first and wait for a decision. Superseded rows stay listed with their correction — nothing is ever deleted.
| Security | Type | Ex-date | Terms | Status | Source | Notes | Entered |
|---|
Your holdings
Holdings
Every position across your accounts, consolidated in one table.
Positions
As of —
| Quantity | Symbol | Description | Book Value | Close | Market Value | Unrealized G/L | Income | Avg Cost | Total G/L | Actions |
|---|
Secure documents
Documents
Statements and firm-provided documents shared through the private portal.
Your documents
Only materials matched to your profile are shown here.
| Document | Type | Period | Language | ||
|---|---|---|---|---|---|
| Loading… | |||||
Your accounts
Activity
Transactions across all of your accounts — trades, dividends, contributions, and withdrawals.
| Account | Trade | Settle | Process | Type | Symbol | Description | Qty | Price | Amount |
|---|
Where the custodian did not report a trade or settlement date (some dividends before mid‑April 2026), the process date is shown instead — marked with a dotted underline.
Your plan
My plan
The plan your portfolio manager built with you.
Readiness
—
Gross cash requirement (after-tax spending + tax)
—
Firm outlook
Baseline 2026
Your net worth over time
Where my income comes from
Your goals
Education
Your plan documents
Have your portfolio manager take another look
Ask a question or flag something you'd like revisited. Your portfolio manager will follow up.
Review requested ✓
Your balance sheet
Property & debts
Things you own and owe outside your investments.
Choose whose plan you're adding this to.
For an investment account you'd like tracked in real detail, use "Investments held elsewhere" below instead.
Your best estimate is fine. You can update it any time.
| Description | Type | Owner | Current value | Added by |
|---|
Investments held elsewhere
Investment accounts you hold at other institutions.
Not sure which one? Pick the closest match. Your portfolio manager can adjust it later.
| Label | Institution | Type | Owner | Currency | Total value (CAD) | Added by |
|---|
My contributions
How much you're adding to an account above, and how often.
| Account | Amount | Frequency | Per year | Added by |
|---|
My children
Add each child with an education goal so we can model RESP grants and school-age withdrawals.
18 is typical for the start of college or university.
Leave it blank if you don't know yet. We'll still model contributions and grants.
| Name | Birth year | School starts | Years | Annual cost |
|---|
What if?
Explore
Try out a few what-ifs with your plan. Nothing here changes your real plan unless you ask your portfolio manager to look at it.
Slide left to spend less, right to spend more.
Typically 60-70% of pre-retirement income. This is never applied automatically; enter your own figure.
Spending amounts are what the household needs after tax, in today's dollars. The projection funds spending and tax from income first, then withdrawals; tax remains shown separately.
Starting CPP earlier means smaller payments; starting later means larger ones.
Slide left to test a rockier market, right to test a stronger one.
What your plan could look like
Review requested ✓
Relationship support
Support
Clear contact channels for your advisory relationship, document requests, and secure access help.
Your advisory team
Secure service notes
For sensitive requests, use the secure message workflow or contact your advisory team directly before sharing documents by email.
Operational control
Operations
Monitor ingestion, exceptions, and task execution with quiet operational confidence.
Advisor review requests
Clients who asked for a review from Budgeting, Property & debts, or My plan.
No advisor review requests yet.
Recent import batches
Operational control
EFT Requests
Track EFT-in/EFT-out requests from raising cash through custodian submission. The generated CSV downloads to your machine — you submit it to the custodian yourself.
0 open requests
New EFT request
Trading-required flags whether cash must be raised via trades before this can move.
Open requests
| Account | Funds payable to | Direction | Amount | Status | Desk ticket | Age | Cash vs needed | EFT send date | Feed available |
|---|
Request
Banking details are entered here only, used once to generate the file, and never stored beyond the last 4 digits of the account number.
Admins may back-date up to 30 calendar days. The custodian feed availability date recomputes from this date.
Operational control
Firm Activity
All-client transaction activity for the previous business day by default, with a full filter set for reviewing anything wider.
No activity types loaded yet.
Activity
—
| Date | Account | Client | Type | Symbol | Description | Quantity | Price | Comm | Amount | Currency |
|---|
Page 1 of 1
Trade management
Trading
Screen holders, build trade programs, and manage trading restrictions. Manual-first: programs export to CSV for entry at the custodian.
Tax-loss harvesting
Unrealized-loss candidates in non-registered accounts, past the $500 / 5% noise floor. Candidates are facts for review -- never a recommended sale; the owner decides and acts through the trade tools above.
| Client | Account | Security | Market value | Book cost | Loss $ / % | Est. tax value | Status | No repurchase before |
|---|
Custodian trade export
Pending Accumulator ticket lines across every account. Select lines, then export -- grouped into byte-faithful custodian files (Trades / Mutual Fund, split by side and client last name) as one ZIP download. Download only -- nothing is transmitted automatically.
| Account | Client | Security | Class | Side | Quantity | Basis | Status | Sent |
|---|
Upload trade file
Upload the equity BUY/SELL xlsx or mutual-fund order CSV already sent to the custodian, review the parsed rows, then confirm to create one trade program.
Scanning the uploaded file for malware before it's parsed…
Recent uploads
| File | Kind | Status | Uploaded | Detail | Actions |
|---|
Security screener
Search a security to see every account currently holding it, with cash, weight, and restriction context.
Holders
Select accounts, then build a program from the selection.
| Account | Quantity | Market value | Weight % | TD cash | Fee run | Restrictions | Owner(s) | Exclude (reason) |
|---|
Program builder
Choose a program kind, mode, side, and target -- quantities default to floor-5 with an override note required for any deviation.
Historical trade entry Admin repair for a real custodian trade that was not entered in PMS on trade date.
Trade lines
Blocked lines are excluded from export; needs-approval lines require admin override first.
Excluded accounts
| Account | Reason | Note |
|---|
Bulk fill (by security)
One execution price + total filled quantity applied across every open line of that security in this program.
| Security | Side | Open lines | Total ordered |
|---|
Bulk fill
Allocated quantity is editable per account -- adjust before confirming; nothing is applied until you confirm.
| Account | Ordered | Allocated | Status | Reason |
|---|
Correct group
Applies a corrected fill price and/or trade/settle date across every line of this security that already has a recorded fill outcome (filled, partially filled, or awaiting price). Quantity is not changed here.
Price/quantity refresh -- review before applying
| Account | Security | Old price | New price | Est. value delta | New warnings |
|---|
This program is EXPORTED (immutable) -- applying will create a new linked DRAFT copy instead of editing it.
| Account | Side | Security | Quantity | Est. price | Source | Commission | Est. value | Status | Fill / reconciliation | Warnings / note |
|---|---|---|---|---|---|---|---|---|---|---|
| Totals | ||||||||||
Download is a review copy only. Confirm sent locks the instructions and then enables fill quantity and price entry for reconciliation.
Trades
Every trade batch built this session and its current status.
Select one or more DRAFT trades and confirm them sent to the trade desk in one action -- the same lock as the per-trade "Confirm sent to trade desk" button, applied in bulk.
| Name | Status | Created | Lines |
|---|
Create trading restriction Hand-enter a restriction per security and scope.
Insider suggestions
From the custodian ClientInfo feed's insider fields. Confirm-only: a suggestion prefills the create form and never saves by itself.
Loading insider suggestions…
Active restrictions
Retiring keeps the row as audit history -- it never deletes. Expired blackout windows stay listed, greyed, until retired.
| Security | Currency | Scope | Type | Enforcement | Reason | Window | Note | Actions |
|---|
Budgeting
Budgeting
Track money coming in and going out, set monthly targets by category, and log transactions by hand. Apple-simple today; bank connections are on the way.
Household or client
Staff pick a household or client to view their budgeting. Clients always see their own.
Pick a household or client to load their budgeting data.
Choose what to manage
You have budgeting access to more than one household or client. Pick one to continue -- your choice is remembered next time.
Month
Budget-vs-actual and transactions are shown for this month.
Money coming in
--
Money going out
--
Net for the month
--
Trends
Income, expenses, and net over time.
Possible transfers to review
These look like money moving between your own household accounts, not real income or spending -- but we could not match them with full confidence. Take a look.
Budget vs actual by category
Monthly targets you set, compared with what you have actually spent this month.
| Category | Monthly target | Spent so far | Remaining | Actions |
|---|
No categories yet. Add one below.
Categories start from a curated default set the first time you use budgeting. Rename, delete, or merge any of them below -- your own categories are always yours to change.
Debts
Payments and interest for the debts you have linked to a category or transaction above.
No debts linked yet.
Transactions
Money in and money out, entered by hand. The most recent transactions for this month appear first.
| Date | Type | Category | Amount | Merchant | Notes | Source | Actions |
|---|
No transactions logged for this month yet.
Import from file
Bring in transactions from a bank or credit-card CSV or Excel export. We scan every file for safety, and remove it the moment your import finishes -- nothing is kept.
Up to 10 MB, up to 2,000 transactions per file.
Scanning your file for safety before we read it -- this usually takes a few seconds.
Review each transaction below. Uncheck any row you don't want to import, and pick a category where you'd like one. Nothing is saved until you confirm.
| Include | Date | Merchant | Type | Amount | Category | Flags |
|---|
Remembered merchants
Each time you confirm a category for a merchant, we remember it. Turn on auto-categorize for a merchant to skip reviewing it next time -- it stays off until you choose to turn it on.
| Merchant | Category | Auto-categorize |
|---|
Bank connections
Connect a bank account so transactions fill in automatically. Manual entry above always works, connected or not.
No bank connections yet.
Bank connections are coming soon. Your advisor will enable them once available.
You are viewing this portal read-only. Bank connections can only be started by the client.
You are back from your bank. Paste the confirmation code below to finish connecting.
Connection reference:
Advisor visibility
Your advisor cannot see this tab -- your questions, notes, tasks, and wins -- until you turn this on. You can turn it off again at any time.
Ask your advisor
A gentle second look at your budget -- where you might be leaking money, and where you have room to save. Never a lecture, just an honest, kind read of your own numbers.
For quality and compliance, your firm may review advisor-chat conversations like this one. Nothing here replaces speaking with your advisor directly.
Ask a question below -- for example, "Where am I leaking money?" or "How can I save more this month?"
Recommendations
Ideas worth trying, saved from a chat answer or written yourself.
Nothing saved yet -- save an idea from a chat answer, or add your own below.
Tasks
Sorted by due date. Items suggested by the advisor need your approval before they become active.
| Task | Due | Created by | Status |
|---|
No tasks yet.
Notes
Your own notes -- private to you and your advisor (once shared above).
No notes yet.
Wins
Money you have saved so far -- log a win any time, big or small.
| Amount | Date | Note |
|---|
$0.00 saved so far
No wins logged yet.
Budgeting
Budgeting Oversight
Admin compliance view -- everything in a household or client's budgeting workspace, including private connections. Every load here is audited. This view never requires the client's advisor-visibility consent.
Household or client
Pick a household or client to review their full budgeting workspace.
Pick a household or client above and choose "View budgeting workspace" to begin. Nothing loads, and nothing is audited, until you do.
Categories
| Owner | Category | Monthly budget |
|---|
No categories on record.
Transactions
| Owner | Date | Type | Category | Amount | Source |
|---|
No transactions on record.
Connections
Includes private (unshared) connections -- admin compliance oversight covers these too.
| Owner | Institution | Provider | Status | Household visibility |
|---|
No connections on record.
Advisor chat transcript
No advisor chat messages on record.
Recommendations
| Title | Source | Status |
|---|
No saved recommendations.
Tasks
| Title | Creator | Status | Due |
|---|
No tasks on record.
Notes
| Title | Body | Tags |
|---|
No notes on record.
Wins
| Occurred | Amount saved | Description | Source |
|---|
No wins logged.
Financial Planning
Planning
A collaborative planning workspace: one household/client profile can hold many named financial plans, each plan can be duplicated into what-if scenarios, and results compare CPP timing, income levels, RRSP meltdown strategies, estate value, and held-away assets/liabilities.
Working on:
Getting this plan started
Enter information to get started -- steps light up as you go.
- Situation profile created
- Record externally-held assets or liabilities
- Create a financial plan
- Add a goal or planned asset sale
Household profiles
A plan attaches to a household or a single client profile — or, for a non-client you're pitching, a Prospect (planning-only, no portal access).
| Attached to | Marital status | Province | Plan status | Actions |
|---|
Profile detail
Profile-level held-away items are inherited into every plan. Open a plan to add plan-specific what-if items without changing the base profile.
Managed accounts in this plan
Current managed balances linked to this client or household.
Accounts0
Registered$0.00
TFSA$0.00
Non-registered$0.00
Total managed$0.00
Assets included in this plan
| Account | Type | Value (CAD) | Custodian equity cross-check |
|---|
Managed accounts$0.00
Insurance (cash surrender value)$0.00
Total assets included in this plan (CAD)$0.00
Life expectancy inputs
Used only to select the applicable life-expectancy table. Leave a value unspecified to use the disclosed blended unisex table.
Household attribution
Who is "you" in this plan, and who is the spouse? Needed before individual spouse tax modeling can run automatically.
Property & debts
Things you own and owe outside your investments.
Assets
| Type | Label | Owner | Value | Growth % | Income | Actions |
|---|
Liabilities
| Type | Label | Owner | Value | Interest % | Maturity | Actions |
|---|
Net external total$0.00
Open a financial plan to add plan-specific assets or liabilities. Advisor profile items are inherited and remain read-only.
Income streams
Employment, rental, trust, ODSP, pension, or other per-person income — additional to any income already entered on assets above, itemized here and in Results.
| Person | Type | Label | Annual amount | Taxable | Actions |
|---|---|---|---|---|---|
| Enter information to get started. | |||||
Insurance policies
The household's life insurance inventory — who each policy is on, its face amount and (if any) cash surrender value, and when it expires. Face amounts pay at the right death automatically; only cash surrender value counts toward net worth while the policy is in force.
| Label | Insured | Type | Face amount | Cash surrender value | Actions |
|---|---|---|---|---|---|
| Enter information to get started. | |||||
Investments held elsewhere
Investment accounts you hold at other institutions. Real positions instead of one lump balance -- feeds the plan by wrapper (RRSP/RRIF/LIRA/LIF as registered, TFSA/FHSA/RESP as tax-free, everything else as non-registered).
| Label | Institution | Wrapper | Owner | Currency | Total value (CAD) | Actions |
|---|---|---|---|---|---|---|
| Enter information to get started. | ||||||
Contribution schedules
Periodic savings contributions that feed every plan for this profile -- annually, monthly, biweekly, or weekly.
| Target | Amount | Frequency | Per year | Window | Added by | Actions |
|---|---|---|---|---|---|---|
| Enter information to get started. | ||||||
Children
Children with an education goal -- feeds RESP grant (CESG) modeling and school-age withdrawals.
| Name | Birth year | School starts | Years | Annual cost | Actions |
|---|---|---|---|---|---|
| No children on record. | |||||
New profile
Start a new financial-planning profile for a household, a single client, or a prospect you're pitching.
Financial plans
Create, rename, duplicate, lock, and compare financial plans. Use duplicates for CPP early/late, higher/lower income, RRSP meltdown, and estate-value scenarios without changing the original.
| Plan name | Assumption set | Current age | Retirement age | Base annual spending (after tax, today's dollars) |
Report default | Actions |
|---|
Asset-sale events
Model a sale within this scenario's projection: principal residence (exempt), rental (capital gain + explicit recapture — CCA history is never guessed), or other asset (capital gain).
| Year | Item | Kind | Proceeds | ACB | Recapture | Actions |
|---|
Goals
Education, retirement, down-payment help, charitable legacy, or another goal — draws from the buckets in withdrawal-sequence order in its target year.
| Kind | Label | Target amount | Target year | Priority | Actions |
|---|
LIRA-to-LIF conversion
Model converting a locked-in LIRA to a LIF in a chosen year. Ontario requires the person to be 55 or older. At conversion, 50% of the LIRA's value unlocks permanently to an RRSP (drawable freely); the remaining 50% becomes a LIF and follows its own annual minimum and maximum withdrawal schedule from that year forward.
| Person | Conversion year | Notes | Actions |
|---|
Which plan?
Pick a financial plan to see its projection, tax/estate results, and recommendations.
Enter information to get started: open a household profile under Inputs, then create or pick a plan here to see results.
RRSP meltdown strategy
A saved analyzer run is informational until you explicitly apply its rule to this plan.
Run and save the RRSP Meltdown analyzer to make a strategy available.
Client access
Controls whether this plan will be visible to the client once the client planning surface ships (a later round). Nothing is shared implicitly.
Managed balances
Every custodian account linked to this profile that feeds the plan -- nothing appears here that isn't on file.
| Owner(s) | Account | Type | Current balance | Feeds bucket | Include in plan |
|---|
No custodian accounts are linked to this profile yet.
What-if overrides (hypotheticals)
Each bucket tracks the firm's latest account balances above by default. Override a bucket to model a hypothetical (e.g. a consolidation or inheritance) -- the override persists until reset. Live values here reconcile with the account listing above.
| Bucket | Live value | Status | Override amount | Actions |
|---|
Explore this scenario
Drag to preview — the chart below updates live. Nothing here is saved until you click "Save these inputs to the scenario".
Previewing unsaved changes. This is not what's saved on the scenario.
Recomputing…
Spending amounts are what the household needs after tax, in today's dollars. The projection funds spending and tax from income first, then withdrawals; tax remains shown separately.
Unsaved preview changes.
Projection
Recomputed on demand — never stored. Drawdown order (fixed r1): non-registered, then TFSA, then registered.
Government benefit rules:
Placeholder
Tax rules:
Placeholder
This projection did not settle to a unique solution; the most favourable internally consistent result was selected from the computed candidates. Figures may vary by immaterial amounts.
Bounded selection
| Age | Year | CPP (gross) | OAS (net) | GIS (gross) | Registered wd (gross) | TFSA wd (gross) | Non-reg wd (gross) | Employment / other (gross) | Total income (gross) | Spending (after tax) | Net worth |
|---|
| Government benefits | Tax | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Age | Year | Managed Reg. | Managed TFSA | Managed Non-Reg. | CPP (gross) | OAS (net) | GIS (gross) | Taxable Income | Tax | Spending (after tax) |
Contributions | Net savings/drawdown | Net worth |
Income and tax by spouse
Employment/other income, CPP, and registered withdrawal are gross (before tax); OAS is shown net of clawback. Taxable income and tax payable are each spouse's individual tax-return figures.
| Age | Year | Self emp/other (gross) | Self CPP (gross) | Self OAS (net) | Self reg. wd (gross) | Self taxable income | Self tax payable | Spouse emp/other (gross) | Spouse CPP (gross) | Spouse OAS (net) | Spouse reg. wd (gross) | Spouse taxable income | Spouse tax payable |
|---|
A dash (—) marks a year after that spouse's modeled death; the survivor's figures continue on the same row.
Final return & estate
Deemed disposition at death (or the owner-set death age), probate by province, and the after-tax estate value alongside the existing gross estate line.
Gross estate$0.00
Deemed disposition (non-reg, taxable)$0.00
Registered inclusion$0.00
Final-return tax$0.00
Probate$0.00
After-tax estate$0.00
Spousal rollover applied — registered balance deferred to the surviving spouse (first-death arm).
At first death (rollover applied)
Gross estate$0.00
Deemed disposition (non-reg, taxable)$0.00
Registered inclusion$0.00
First-death tax$0.00
At second death (registered fully taxed)
Registered inclusion$0.00
Second-death tax$0.00
Probate (charged once, at second death)$0.00
Combined after-tax estate$0.00
What the after-tax estate contains
CPP timing comparison
Lifetime nominal CPP collected by the projection's end age, for this scenario's entitlement %. Not a recommendation.
| If CPP starts at | Total collected by plan end |
|---|
Education
Per-child RESP-funded education goal, CESG grant capture, and school-age funded status.
| Child | School years | Annual cost | Funded status | CESG captured / lifetime | Projected RESP value |
|---|
Analysis & recommendations
Monte Carlo success probability, goal funding, withdrawal-sequence comparison, CPP timing recommendation, savings-rate recommendation, and contribution room — computed on request, never stored.
Monte Carlo success probability--
Base annual spending assumption (after tax, today's dollars)--
Sustainable after-tax spending (today’s dollars)--
Gross cash requirement (after-tax spending + tax)--
Gross portfolio withdrawals--
Sustainable-spending figures are what the household can spend after tax in today’s dollars. Gross cash requirements and portfolio withdrawals are first-retirement-year amounts before tax in projected-year dollars, so the two bases are not directly comparable.
Downside ending estate$0.00
Typical ending estate$0.00
Upside ending estate$0.00
Goal funding
| Goal | Target year | Target amount | Funded? | Shortfall | Drawn from |
|---|
Withdrawal-sequence comparison
Comparison table, not an optimizer — the after-tax-estate winner (when tax modeling is enabled) is highlighted.
| Preset | Ending net worth | Total lifetime tax | After-tax estate |
|---|
These orderings are equivalent for this plan — tax modeling shows no difference.
Guided RRSP meltdown — per-spouse reconciliation
| Year | Person | Statutory | Spending-driven | Discretionary | Used for spending | Used for tax | Used for contributions | To TFSA | To non-registered |
|---|
CPP timing
Modeled CPP starts are not available for this scenario.
No CPP timing recommendation is available for this scenario.
| Option | Self start age | Spouse start age | Readiness |
|---|
Savings-rate recommendation
Set desired after-tax retirement spending on the scenario to see a recommendation.
TFSA / RRSP contribution room
Contribution limits: (using firm-standard assumptions)
Assumptions
| Year | TFSA room | RRSP room |
|---|
RRIF minimums applied for this projection ().
Insurance opportunities
Estimated coverage gaps per person, from the firm's ratified insurance rubric. Advisor-side only -- framed through TK Dale Wealth Insurance Inc.
No material coverage gaps found for this plan.
Recommendations
Choose the current system recommendations that belong in the plan, then add your own advice. The client report presents one unified list.
System recommendations
No system recommendations apply to this scenario.
Advisor-authored recommendations
No advisor-authored recommendations yet.
Generate plan report
A client-presentable PDF built from this scenario's real computed numbers. Every section is optional; the disclosure page always appends.
Optional. Pick up to 3 other plans from this household or client to show side by side with this plan's own results, as comparison tables and charts in the report.
Up to 3 plans can be compared in one report — unselect one to add another.
Print-friendly keeps the branded cover and uses white interior pages. Presentation uses ivory throughout.
Higher = a darker wash over the photo (keeps the title legible).
Rendering preview…
Choose the person pictured on this plan. JPEG or PNG (non-transparent), up to 8MB. Stored privately and malware-scanned; location/EXIF data is stripped automatically.
Current photo
—
Generating…
Prior generations
| Generated | Plan date | Sections | Download | Client visibility | Actions |
|---|
Compare scenarios
Pick up to 4 financial-plan scenarios from this household/client profile to overlay. Use this for CPP timing, spending, withdrawal-sequence, RRSP meltdown, and estate-value comparisons.
Up to 4 scenarios can be compared at once — unselect one to add another.
A fresh RRSP meltdown withdrawal order is worked out for each selected scenario and used for this comparison only. Nothing is saved to any scenario.
Select at least two plans to compare.
Preparing comparison…
Net worth by scenario
Each line is one scenario's real projected net worth by age.
Income figures for one or more of these plans are still being prepared. This chart becomes available once every selected plan's results are current.
Comparison
Best value per row highlighted.
First-year figures are shown in the dollars of that year. Stress-tested figures come from 1,000 market simulations.
First-year retirement spending is the household’s spending target, in after-tax dollars. Total cash needed adds the tax owed that year on top of it; both figures are shown separately below.
Sustainable income figures show the most a plan could pay every year in retirement, after tax, in today's dollars. The straight line figure assumes average markets; the stress tested figure is what survives 1,000 simulated market paths.
| Metric |
|---|
Registered Meltdown Analyzer
Tests whether accelerating registered withdrawals (RRSP/RRIF, LIRA→LIF with 50% unlock, spousal RRSP) at today’s low marginal rates beats leaving balances to be taxed on the survivor’s final return. Ontario, per-spouse, year-by-year — every year’s tax math is shown in full.
Assumptions
Inputs
Pick a planning profile to prefill ages and live account balances (allocate them to each spouse below — owner matching is manual), or enter everything directly. Defaults follow the ratified methodology’s assumptions.
Prefill supplies recorded ages, defaults, and a reference list of live balances; review every value before running.
Scenarios marked "not plan-verified" have not activated per-spouse funded tax — running one falls back to the manual fields below with a disclosure.
Manual mode
Verdict
Verdict
Estate comparison at horizon
Timing exploration
A “do not melt down” verdict correctly produces the no-action arm with $0 withdrawals; the verdict reasons explain which trigger did not pass.
Planning guidance only, not tax advice — professional sign-off is required before acting on any generated recommendation.
Reports
Statements
Monthly client statements: generate a DRAFT run for a period, review each client’s PDF (DRAFT watermark on every page), exclude with a reason where needed, then finalize — finalizing regenerates each statement without the watermark and files it into the client’s Documents. FINAL runs are immutable; corrections come from a new run.
Generate a statement run
Creates a DRAFT statement for every client with at least one account with data in the period. Nothing is client-visible until the run is finalized.
Generate for one client
Creates a DRAFT run containing just the selected client’s statement for the period. Review and finalize it exactly like a full run.
Statement runs
Newest first. Select a run to review its statements.
| Run | Kind | Period | Status | Statements | Created | Finalized |
|---|
Run
| Client | Accounts | Status | Exclusion | Actions |
|---|
Compliance
Cash Reconciliation
Daily independent-books check: every account's TD cash movement versus the signed transaction net, permanently archived.
History
Whether the daily check ran, plus matched/exceptions/resolved/unresolved and a notes indicator, for a date range. Click a day to load its detail below, or export that day's report directly.
| Date | Ran? | Matched | Exceptions | Resolved | Unresolved | Notes | Export |
|---|
Matched summary
Report date and generated/run time for the selected day.
Matched0OK
Exceptions0Needs review
No prior day0Informational
Total0Rows
Exceptions
Delta between expected and reported closing cash -- resolve with a note and action.
| Account | Currency | Opening | Txn net | Expected | Closing | Delta | Action |
|---|
Matched
Rows where reported closing cash equals opening plus transaction net exactly.
| Account | Currency | Opening | Txn net | Closing | Status |
|---|
Performance exceptions
Derived diagnostics from the return-series builds (unclassified codes, missing FX, SIP cross-checks). Any account listed here shows its returns with a Provisional chip until the input is resolved and the series rebuilds clean.
| Account | Code | Date | Txn | Message | Run at |
|---|
KYC prompts
Compliance evidence: every KYC-review prompt shown at client login (recorded server-side when served, never client-reported) and how the client responded. Clients with KYC older than 7 months are prompted once per login.
| Client | Shown at | KYC date at display | Response | Responded at | Session |
|---|
Per-client prompt counts
Total impressions and responses per client — the at-a-glance evidence that update attempts are continuous.
| Client | Impressions | Not now | Book requested | Last shown |
|---|
Auditability
Audit
Inspect meaningful actions, session context, and evidence trails with exact timestamps.
Latest activity
All times Eastern Time.
| Event | Actor | Context | Time |
|---|
AI Query Assistant
Assistant
Ask a question over sanitized account, holdings, activity, client, and fee data. A model maps your question onto a closed set of read-only, access-scoped tools -- it never runs free-form queries, and every phrased answer is verified against the retrieved rows before it is shown (unverifiable phrasing is replaced with a plain factual summary). Every query is audited, and results drill down further with the refine chip. When the model is disabled or unavailable, the assistant falls back to a deterministic grammar of the question shapes listed below.
Ask a question
Example: "non-registered accounts with XLI"
Supported question shapes
The deterministic fallback grammar -- always available, even with the model disabled. The model understands broader phrasings of these same shapes; unmatched questions land here as a hint, never an error.
Administration
User Access
Grant, review, and revoke portal visibility with exact operational traceability.
Portal users
Create portal sign-in accounts, reset passwords, suspend or enable access immediately, set an expiry date, and resend invitations.
A portal user already exists for this email
Temporary password (shown only once)
Copy this now — it will not be shown again. Relay it to the user only if the welcome email failed or is disabled.
| Role | Status | Expires | Last action | Actions |
|---|
No portal users match this filter.
Manage user access
Grant a person visibility inside the controlled dev environment. Their permission level determines what can be scoped below.
Creating a brand-new portal user? Use Portal users above — it creates the sign-in account, permissions, and welcome email in one step.
Select a row in User Access to review its detail below.
User Access
Current user and group visibility records available for review, amendment, or supervisory follow-up in this environment.
| User Name | User Type | Scope | Value | Access | Status | Active from | Access ends |
|---|
Administration
Documents
Firm-wide document repository: FutureVault statements pulled via SFTP, firm tax-document uploads, and the review queue for anything that could not be matched automatically.
Review queue
Documents the puller could not match to a client. Assign to a client or archive as unmatched.
| Filename | Type | Period | Source | Preview | Assign |
|---|---|---|---|---|---|
| Loading… | |||||
Preview
Upload document
PDF only. Uploads require explicit client selection -- there is no automatic matching for uploads.
All documents
Firm-wide browser across every ingest lane (statements, uploads, review queue history).
| Filename | Type | Client | Period | Match | Scan | Actions |
|---|---|---|---|---|---|---|
| Loading… | ||||||
Custodian portal credential
Secret not provisioned yet -- the master must provision the Secrets Manager secret via terraform, with owner approval, before a password can be set.
Administration
V1 Production Readiness
A live, read-only coverage gate for the clean V1 production breakpoint. PMS-verifiable facts update on refresh; legal, security, release, and human-QA work stays explicitly unevidenced until you complete it.
Beta blockers
—
Passed
—
Blocked
—
Attention
—
Not evidenced
—
Evidence has not been loaded yet.
Readiness checks
Loading…
| Status | Category | Check | Current evidence | Required for V1 | Next action |
|---|---|---|---|---|---|
| Loading… | |||||
Administration
Data Calendar
Owner-maintained reference data the PMS depends on -- CPP/OAS/GIS/TFSA/RRSP limits, tax brackets, Bank of Canada rates, and integration credentials. Confirm an item once you've verified it against its official source; items entering their due window unconfirmed email trevor.dale@ weekly until confirmed.
0 items
BoC overnight rate
—
Inflation (y/y, display-only)
—
Calendar items
Seeded from docs/annual-data-calendar.md. Confirming an item records who confirmed it and when.
| Item | Cadence | PMS location | Status | Last confirmed | Actions |
|---|---|---|---|---|---|
| Loading… | |||||
Notes
Bank of Canada series (Valet API)
Latest fetched observation per series. Fetched daily by a scheduled task, or on demand below.
| Series | Latest value | As of | Fetched | Note |
|---|---|---|---|---|
| Loading… | ||||
Administration
Templates
Versioned, append-only firm document templates. Every verified user -- staff and admin included -- must accept the current Privacy Policy and EULA before using the portal; report disclosures are print templates for statement/report last pages and never gate anyone.
Firm document templates
Publishing always creates a new immutable version -- existing versions are never edited or removed.
Current version
Version—
Title—
Effective date—
Published—
Accepted by—
PLACEHOLDER TEXT — pending counsel-approved language; owner to publish the official version.
Acceptance (current version)
Who has accepted the CURRENT Privacy Policy, and when.
| Version | Subject | Accepted at |
|---|---|---|
| Loading… | ||
Version history
Click a row to view that version's title and rendered body, read-only.
| Version | Title | Effective date | Published |
|---|---|---|---|
| Loading… | |||
—
Version — historical, read-only
Publish new version
Publishing immediately re-gates EVERY verified user in the firm -- they must accept the new version at their next request before continuing.
Current version
Version—
Title—
Effective date—
Published—
Accepted by—
PLACEHOLDER TEXT — pending counsel-approved language; owner to publish the official version.
Acceptance (current version)
Who has accepted the CURRENT EULA, and when.
| Version | Subject | Accepted at |
|---|---|---|
| Loading… | ||
Version history
Click a row to view that version's title and rendered body, read-only.
| Version | Title | Effective date | Published |
|---|---|---|---|
| Loading… | |||
—
Version — historical, read-only
Publish new version
Publishing immediately re-gates EVERY verified user in the firm -- they must accept the new version at their next request before continuing.
Disclosure types
Statement/report disclosures rendered onto the last page of the matching report. Disclosures never gate portal access. Click a type to view its history and publish a new version; use "New disclosure type" for a report that needs its own.
| Disclosure | Key | Version | Effective date | Published |
|---|---|---|---|---|
| Loading… | ||||
Version history
Click a row to view that version's title and rendered body, read-only.
| Version | Title | Effective date | Published |
|---|---|---|---|
| Select a disclosure type above. | |||
—
Version — historical, read-only
Publish disclosure version
Disclosures never re-gate anyone -- publishing simply makes the new text the version future reports pick up.
Current version
Version—
Published—
Source note
—
Version history
Append-only -- publishing always adds a new version, existing versions are never edited or removed.
| Version | Source note | Published by | Published |
|---|---|---|---|
| Loading… | |||
Publish new version
This text is injected into the AI assistant's system prompt on every call, as reinforcement of the structural no-hallucination gate -- it is never the only guarantee. Tighten-only is the convention here: broadening an existing rule should be a deliberate, documented decision.
Administration
Planning Data
Versioned government reference data (CPP/OAS/GIS, federal + provincial tax brackets, RRIF minimum-withdrawal factors, TFSA/RRSP contribution limits) used by every advisor's financial plan. This is reference data, not a per-client input -- edited here, admin-only, never in the advisor Planning view.
Government benefit rules
CPP/OAS/GIS parameters are versioned data by tax year -- never hardcoded.
Rules: (PLACEHOLDER -- official figures pending)
Placeholder
| Tax year | Source note | Status | Actions |
|---|
Tax + estate rules
Federal + provincial tax brackets, capital gains inclusion rate, and probate schedule are versioned data by tax year -- Ontario only in r1; other provinces are explicitly not loaded, never guessed.
Rules: (PLACEHOLDER -- official figures pending)
Placeholder
| Tax year | Source note | Status | Actions |
|---|
RRIF minimum-withdrawal rules
Annual minimum-withdrawal factor by age, versioned by rule year -- ages below the lowest seeded row have no minimum (pre-conversion); spousal-age election uses the younger age for lookup.
Rules: (PLACEHOLDER -- official CRA table pending)
Placeholder
| Rule year | Source note | Status | Actions |
|---|
TFSA / RRSP contribution limits
Annual dollar limits, versioned by rule year -- r1 tracks dollar-limit carry-forward only (no earned-income history).
Rules: (PLACEHOLDER -- official figures pending)
Placeholder
| Rule year | Source note | Status | Actions |
|---|
Environment and permissions
Admin
Manage access posture, import controls, and environment context with exact operational traceability.
Access grant posture
Admin group1 principalControlled
PM scope grants—Audited
Household grants—Live
Upload import run
Select one or more local custodian files and queue them into the controlled intake path.
Reverse upload run
Cleanly reverse every active file that belongs to a single upload run.
Selected batch
Choose a batch from the list below to review its current control posture.
Batch ID
—
Source file
—
Upload run
—
Processing status
—
Control status
—
Replacement batch
—
Row totals
—
No import batch is selected yet.
Apply control action
Use only when you need an explicit supervisory record such as invalidation, reversal, or supersession.
Import batch history
Filter active and historical ingestion runs for controlled review, supersession, or reversal.
No files selected for bulk reversal.
| Select | Batch | Source file | Upload run | Loaded | Status | Control | Rows |
|---|
Your advisory relationship
Time for a brief review?
It's been a while since we last reviewed your Know-Your-Client information. Keeping it current helps us make sure your portfolio still reflects your circumstances and objectives. Would you like to book a short review with Trevor?
Thank you — we've noted your request and Trevor will reach out to arrange a time.
Guided setup