Conquest Planning
Every Millen Wealth plan is built in Conquest Planning: the best planning technology in the industry, built in Canada for Canadian tax rules. Here's a look inside, so you know exactly what you're getting before we ever meet.
These aren’t separate tools or add-on reports. It’s all one living model. Change an assumption in one area and every other area updates with it. Pick a category to see it.
The question behind every plan: when can you stop working, and what does life cost when you do? Conquest maps your monthly need against your monthly ability, year by year, and shows exactly how funded each goal is: the house, the cottage, the legacy. Not just a single “retirement number.”
If you own a corporation, your personal plan and your corporate plan are the same plan. Conquest models holding companies, salary-vs-dividend mixes, corporate investment accounts, and the order you should pull money out, so the business and the household are optimized together, not separately.
What actually happens to the plan if you can’t work for two years, or if one of you dies early? Conquest runs those scenarios against your real numbers, so insurance decisions are based on the size of the actual gap, not a salesperson’s rule of thumb.
Your estate is what’s left after the final tax return, and for most people that return is the biggest tax bill of their life. Conquest projects the estate year by year: what’s taxable, what passes outside the estate, and what your beneficiaries actually receive.
Family trusts aren’t just for the ultra-wealthy. They’re a planning tool for business owners and families with real assets. Conquest models trust structures inside the plan, so you can see what a trust changes before you pay a lawyer to draft one.
“Sell the business in 2031 or 2034?” “Exercise the options now or next year?” “Keep the rental or sell it?” We build each path as its own scenario and compare them on one screen: same assumptions, same math, different decision. The trade-off stops being a feeling and becomes a number.
Most of the value in a financial plan is tax. Conquest is built on Canadian tax rules: RRSP, TFSA and FHSA room, marginal brackets in every province, OAS clawback, capital gains. It optimizes the order you save and the order you withdraw, which is often worth more than picking better investments.
A plan that only works in good markets isn’t a plan. We stress-test yours against the ugly stuff: a market crash the year you retire, inflation running hot, living to 100. You see exactly how much shock the plan absorbs before anything important breaks, and what we’d adjust if it did.
We're a planning-first firm, so we refuse to cut corners on planning technology. Conquest is the best planning software in the industry, built in Winnipeg and designed from the ground up for Canadian tax rules. It's the engine behind every single plan we deliver.
Most planning tools spit out a 60-page PDF that's stale the day it's printed. Conquest works differently. Your plan is a living model. When your RSUs vest, when the business has a great year, when you're weighing a home purchase, we open the plan, change the inputs, and see the impact immediately.
And because it's built for Canada, it actually understands the rules that matter to you: RRSP, TFSA and FHSA contribution room, CPP and OAS timing, corporate accounts and holding companies, and the tax treatment of stock options and RSUs.
"What if I sell in 2031?" "What if I take six months off?" "Exercise now or next year?" We build each scenario and compare them side by side, so decisions get made on evidence, not gut feel.
Ask a question, and we answer it on screen. Change an assumption and the whole plan recalculates in front of you. Your quarterly meetings are working sessions, not status updates.
RSU vesting schedules, stock option exercises, salary-vs-dividend mixes, holding companies: the messy stuff that generic tools can't model is exactly what we use Conquest for.
Conquest Planning is an independent, third-party software provider. Projections are illustrations based on assumptions we review with you, not guarantees of future results.