RetireSurePlus – Business Overview

Introduction

RetireSurePlus operates on a digital subscription model designed to bring clarity, confidence, and control to Canadians preparing for retirement. By offering a personalized dashboard with monthly contribution tracking, financial projections, and actionable advice, our platform empowers users to make informed long-term decisions without relying solely on traditional advisors. Our goal is to democratize retirement planning and make it accessible, transparent, and consistent for working professionals at every stage of their career.

Customer Value

RetireSurePlus provides users with a unified view of their retirement accounts, real-time progress against savings goals, and personalized monthly insights based on income, age, and lifestyle preferences. Clients receive clear guidance on adjusting RRSP, TFSA, and employer contributions, helping them optimize tax benefits and reduce savings shortfalls.

Users report a 35% improvement in contribution consistency and a 28% higher likelihood of meeting their target retirement income after 18 months of use.

Target Audience

Our primary audience includes Canadians aged 28 to 55 with moderate-to-high household incomes who prefer managing their finances online but seek structured retirement planning support.

Key user segments include mid-career professionals in tech, education, and public service sectors, as well as self-employed individuals looking to supplement traditional pension gaps. Particular interest has been observed in provinces like British Columbia and Quebec, where awareness of long-term financial planning is notably strong.

Distribution and Delivery Channels

• Direct acquisition through retiresureplus.ca with guided onboarding and financial literacy tools
• Partner promotions with payroll providers and workplace benefit platforms (e.g., PayPath Canada)
• Integration with fintech apps and aggregators like BudgetFox and WealthTrack
• Webinars, podcasts, and social media partnerships targeting retirement-focused communities
• Affiliate programs with financial influencers and independent advisors

Revenue Streams

• Core Subscription: CA $12/month or CA $120/year for individuals
• Family Plan: CA $20/month for shared spousal access and planning features
• Advisory Add-ons: CA $89 per personalized session with a licensed planner
• Institutional Licensing: B2B bulk access for employees via HR platforms
• Affiliate Commissions: Earnings from recommended financial products via embedded comparison tools

Average revenue per user (ARPU) is CA $15.40/month, with an 82% projected annual retention rate.

Key Partners and Resources

• Financial Data Integration: FinBridge API for secure account access (RRSP, TFSA, pensions)
• Regulatory Compliance: FinReg Insights for CSA-aligned practices
• Content Development: Retirement planners and CPAs build forecasting and guidance models
• Distribution Partners: Online tax platforms and retirement associations for white-label offerings

Internal resources include a product engineering team, a data science unit for projections, and a client success desk specializing in financial education.

Cost Structure

• Infrastructure & Data Security: 24% for hosting and encryption
• Product Development: 38% focused on accuracy and UX
• Marketing & User Acquisition: 22% for digital campaigns, SEO, and affiliates
• Partnerships & Licensing: 6% for external data/compliance tools
• Operations & Support: 10% for legal, finance, and multilingual support

Customer acquisition cost (CAC) is CA $72, with profitability reached in under six months for annual plans.

Scalability and Sustainability

RetireSurePlus is built on a modular, serverless architecture that enables seamless scaling with minimal infrastructure overhead. AI-powered simulations scale dynamically with user growth, and personalization adjusts in real time based on behavior and feedback.

International expansion is supported through flexible pension modeling frameworks. Strategic 2025 objectives include:

• Launch of ESG-based investment tracking
• Nationwide French-language support
• SOC 2 certification to meet B2B requirements

With a sustainable cost base and rising market demand, RetireSurePlus is positioned for long-term growth in the retirement planning sector.