In the still-crowded arena of retirement planning, something subtle is happening: algorithms have begun offering the kind of thoughtful, fiduciary, tax-smart counsel that once required a high-end advisor and a seven-figure portfolio. For Canadians—who tend to measure wealth in decades, not day-trades—this arrival feels less like disruption and more like an quiet alignment with who we already are. Will the machine learn our particular brand of caution, or will we learn to trust its version of care?



















