A letter from the founder

Retirement planning built for your real life.

You are eager to know if you will be okay.
You just never found a way in.

Len Collins

Founder, TruePath Finance

The state of things

Most Canadians have never done any real retirement planning. Not because they do not care. They care a lot. They want to know where they stand. But every path to an answer felt closed.

An advisor wants assets you are not sure you have yet, or charges fees that are hard to justify before you even understand your own numbers. The free tools are built for an American tax system, or they are so simple they tell you nothing, or so complex you give up halfway through.

So the question just sits there. Are we going to be okay. And the honest answer, for most people, is we are not sure.

TruePath exists to change that answer to a clear one.

You can see a clear picture of where you stand, today, as your life actually is.

Why I built this

I am the kind of person this is for.

I am older than my partner by a fair bit. We keep our finances mostly separate, with a shared mortgage between us. We both have investments and pensions, and we both roughly know what we have, but neither of us could say exactly where it all sits or whether it adds up to a retirement that works.

When I went looking for something to give us that picture, nothing fit. The tools assumed we pooled everything. They assumed we would retire at the same time. They assumed a financial life that was not ours.

And the gap is not mine alone

The life you actually have is the one TruePath plans for.

Most retirement tools quietly assume one story: same age, married once, retiring the same year, with money in one shared pot. Real life is rarely that tidy. TruePath plans each of you exactly as you are, whatever shape your household takes.

Canadians of different ages, relationships and family situations, the range of households TruePath is built to plan for.

Couples who keep money separate

You file alone but plan together. TruePath models each of you, then shows the combined picture.

Partners with an age gap

One of you retires years before the other. Different timelines, one plan that holds both.

Second marriages and blended families

Two histories, separate assets, shared goals. TruePath plans around the family you actually have.

Same-sex and LGBTQ+ couples

Two incomes, two benefit timelines, one shared plan. TruePath models your household exactly like any other, with nothing assumed about who you are.

Common-law partners

Living together without the paperwork. Canada still files you as a couple, and TruePath plans you the same way, each on your own numbers.

Planning on your own

No partner to split income with. You still get a full plan, built for one, with nothing missing.

Recently divorced

Your plan changed overnight. Rebuild the picture around the life you have now, not the one you left.

Widowed and replanning

Carrying a plan that was built for two. TruePath helps you find your footing as one, without making you feel like anything went wrong.

The right person for the job

Built on

35+

years in design, user experience and information architecture.

Every calculation behind TruePath is built on current CRA rules and tax tables, checked against the official figures.

My whole career has been about taking something tangled and making it clear enough that a person can act on it.

When AI matured to the point where I could apply those skills at full scale, I pointed all of it at the problem sitting in my own house.

TruePath is the result. I built the tool I needed, for the situation I am actually in, and that situation is far more common than the industry pretends.

What you get

Built for the life you actually have.

A clear view of where you stand. Two people, separate or combined, however your life is actually arranged.

Built for Canadian rules, Canadian accounts and Canadian taxes.

No advisor required to start. No need to have it all figured out first.

Stop wondering. Start knowing.

You bring your real life. TruePath shows you the path.

Fourteen days free. No advisor required to start. No need to have it all figured out first.

Start your free 14-day trial See how it works