May 11, 2026 - Release Notes - Financial Recommendations and 2026 Projection Assumption Guidelines
- New Features
Your clients must make many decisions that will impact their financial outcomes. When to take CPP/QPP and OAS, what accounts to withdraw from, etc. The combination of these decisions creates many possible paths with different pros and cons for the client. Historically, the best approach has been to manually create alternative scenarios and compare them to find the optimal plan for the client. To help save time and explore more possible options, we've automated this process with the new Financial Recommendations feature.
The Financial Recommendations feature automatically tests a range of possible strategies to help improve your client's outcomes.
In this example, by deferring CPP and OAS to age 70, realizing personal Taxable Income of ~$58,523 (real dollars) each per year, and toping up their TFSAs from non-registered accounts, the client can increase their expected Estate After Tax at the end of the projection by 32% ($1,160,246).
You can then choose to Apply & Run the changes on your current scenario, or create a copied version with the recommended strategies for comparison.
You can access the new feature from the Recommendations button on the Planning Page. You'll have the option to select Lifestyle Recommendations which includes Snap's previously available tools (e.g., Sustainable Spending, Retirement Age) or Financial Recommendations.
A full overview of the Financial Recommendations feature is available in our dedicated article.
- Enhancements
With the addition of the Financial Recommendations feature, we've renamed the existing Recommendations functionality to Lifestyle Recommendations.
- Lifestyle Recommendations are related to decisions the client can make that impact their lifestyle. These decisions include how much to save while working, when to retire, and how much to spend in retirement. The goal of the feature is to find the best lifestyle outcome (e.g., earliest retirement age, highest spending level) while keeping the projection fully funded.
- These have been available in Snap since August 2022.
- Financial Recommendations are related to decisions the client can make without impacting their lifestyle. These decisions include when to take CPP/QPP and OAS and where to contribute and withdraw money over time. The goal of the feature is to find the highest Estate After Tax in your target year while achieving the same lifestyle as before.
- These are now available in Snap.
The Lifestyle Recommendations modal has been updated to include new information and customizable settings.
You can now:
| Select the Age that you want to bring the Goal Balance to $0 as of. |
|
|---|---|
| View the Estate After Tax in your selected year of the projection. |
|
| See what the summary metrics are before and after applying the recommendation. |
|
A full overview of the Lifestyle Recommendations feature is available in our dedicated article.
2026 Projection Assumption Guidelines
The latest (2026) Projection Assumption Guidelines from FP Canada and the Institut québécois de planification financière (IQPF) can now be imported into your projections.
You can find more information about adjusting your projection settings and the updated values here.
| Back to top |