No. Planyva is educational and teaches you the core building blocks of retirement planning in Canada. It is not personalized investment, tax, or legal advice, and we do not sell financial products or earn commissions. Many learners use Planyva to organize their numbers, clarify their options, and have more informed conversations with financial professionals.

You can move at your own pace. You’ll have six months to complete the course and use the Tracker to build your plan step by step. Most people revisit sections as they gather information and make decisions, so you can take your time and update your numbers along the way.

Yes. The program is built for Canada and includes guidance on key retirement building blocks like the Canada Pension Plan and Old Age Security, along with common Canadian account types such as a Registered Retirement Savings Plan and a Tax-Free Savings Account. It’s designed to keep the decisions, terminology, and examples Canada-relevant and easy to follow.

The Retirement Readiness Tracker is an online tool included with the course that lets you save your progress as you build your plan. You’ll enter your spending and assumptions, estimate income sources, and calculate your Retirement Savings Number, then get a Retirement Readiness Report and a 90-day action plan you can revisit and update.

Yes. You can use the program to plan together by comparing your combined retirement goals, income sources, and savings, then deciding on a shared strategy. Many couples go through the lessons side-by-side and enter their numbers as they go to create one clear picture of what they’re working toward.

You can start right away with estimates. If you want to be more precise, it helps to have: your current savings totals (by account type), an estimate of your monthly spending in retirement, and any pension or benefit information you already have. You can update your numbers anytime as you gather details.

After you enroll, you’ll get access through your course library. From there, you’ll see a link to the Retirement Readiness Tracker and you can log in using the same email you used at checkout. Once logged in, you can enter your numbers, save your progress, and download your Retirement Readiness Report.

Yes. Planyva is designed to help you understand Canada’s retirement system and build a clear plan based on what you’ve earned and saved in Canada so far. Many learners use it to make decisions about Canadian benefits and accounts, even if they arrived recently or plan to retire outside Canada later.