--- title: Eddy Wealth description: Welcome to the Eddy Wealth website! --- [![Eddy Wealth logo](https://eddywealth.com/hubfs/raw_assets/public/eddy-wealth/images/ew-logo-icon-colored.png) ![Eddy Wealth logo](https://eddywealth.com/hubfs/raw_assets/public/eddy-wealth/images/ew-logo-icon-colored.png) Eddy Wealth Retirement. Measured in years.](https://eddywealth.com/?hsLang=en) [Navette OS™](https://eddywealth.com/navette-os?hsLang=en) [Investments – ACPI](https://eddywealth.com/our-approach?hsLang=en) [About](https://eddywealth.com/about?hsLang=en) [Research](https://eddywealth.com/research?hsLang=en) [Client Portal](https://clientportal.aligned.digital/signin) [Start Here](https://eddywealth.com/start-here#time-portrait-ai-intake) Retirement planning · Calgary # Your retirement, read in years. Most advisors show you returns. We show you how long your money is covered, for you and for your spouse, in years. We built our own tool to do it. It reads what you actually own and turns it into time: how long until you’re back on track, and how long your income is covered. [Book 20 minutes with Eddy Wealth](https://meetings.hubspot.com/art-johnson/art-meeting-scheduler) [Start your Time Portrait](https://eddywealth.com/start-here#time-portrait-ai-intake) An introductory conversation. No cost, no obligation. Short film. Two funds have the same 10-year return: one swings up and down, one rises steadily. Read in years for the same retiree, the fund with big swings covers her to age 88 and the steady fund covers her to 95. Same return, 7 yrs apart. The swings cost time. More time, a steadier ride. Illustrative example, not client results or a forecast. Two funds. Same 10-year return. Same retiree. Now read them in years. Same return. 7 yrs apart. The swings cost time. Big swings Steady ride Fund B Big swings Covered to 60 yrs Fund A Steady ride Covered to 60 yrs More time. A steadier ride. Ask us how long your money is covered, in years. Eddy Wealth Illustrative example: hypothetical funds and retiree. Not client results or a forecast. Read in years Your neighbour beat the market. You’re covered to 96 yrs. Who’s actually ahead? How it starts ## Three steps to your timeline. 01 Talk ### A 20-minute conversation Tell us what the money is for, who depends on it and what keeps you up at night. 02 Read ### We read your portfolio in years Our time tool looks at what you actually own and shows how long you’re covered, for you and for your spouse. 03 Plan ### A timeline you can plan around Plain years, not percentages. We check it every year and tell you early if it starts to slip. Who you’ll work with ## Two people. Every meeting. **Art Johnson, CIM.** Founder. Has spent his career in factor investing, working with some of the largest firms in the field to bring their approaches to Canada. **Eric Contreras, CIM, FMA, FCSI.** Partner. Co-leads every client relationship and co-designed the Time Portrait. In plain years Every reading we give you is in years, not percentages or probabilities. Eddy Wealth Inc. # Your Retirement Has a Timeline. Other firms measure performance. We measure time: how long your portfolio takes to catch up when it falls behind, and how long your income is covered, for you and for your spouse. [See How Your Time Looks](https://eddywealth.com/start-here#time-portrait-ai-intake) [Explore Navette OS™](https://eddywealth.com/navette-os?hsLang=en) From performance to time ## Navette OS™ is a time platform. Most financial plans give you a pass-or-fail answer: do you run out or not. The real question is whether you’ll be okay if something happens. Navette OS™ answers it in years: how long your portfolio takes to recover, and how long your income is covered. Those are the numbers that decide how you retire, and we put them in front of you in plain years, not percentages or probabilities. 15 min to complete the Time Portrait conversation 1 question the industry still struggles to answer: how long? 2 readings Recovery time and Coverage Watch™ What we measure ## A clock, not a scoreboard. Families do not need more reassurance. They need numbers they can plan around, in years. - How long to catch back up? When your portfolio falls behind its yardstick, how many years it takes to catch back up. Short is healthy. “Never” is a warning. - Is your income covered? Coverage Watch™ checks, year after year, whether your income is still covered to the age you need it to last, and tells you early when it isn’t. - And your spouse? The same check for the person you’d leave behind: how many years they would need to cover on their own, without your income. Spouse coverage The Margaret Number™ turns spouse exposure into a number of years a family can actually discuss before the gap becomes urgent. The Margaret Number™ ## The Number Your Advisor Has Never Shown You Most retirement plans show returns, projections, and probabilities. The Margaret Number asks a more human question: if one spouse is gone, how many years could the surviving spouse be exposed after the money runs out? Start Here ## Ready to see your time? Start with a 15-minute conversation, not with us, but with the Time Portrait. It asks about your family, your health, your priorities, and the life your portfolio is supposed to protect. When we meet, everything you shared becomes the foundation for a personalised Navette OS™ diagnostic. Primary CTA See how your time looks before the first meeting. The conversation is built to surface the things that matter most, not just the balances that happen to sit on a statement. ![clocks\_under\_1mb](https://eddywealth.com/hubfs/clocks_under_1mb.jpg) What happens next ### Your money has a job now. Every follow-up is built around the same unit: time. Not alpha. Not probability. Years. 15 minutes **Time Portrait conversation** 1 diagnostic **Recovery time and Coverage Watch™** Art & Eric **A conversation grounded in your family's time** [![Eddy Wealth logo](https://eddywealth.com/hubfs/raw_assets/public/eddy-wealth/images/ew-logo-icon-colored.png) ![Eddy Wealth logo](https://eddywealth.com/hubfs/raw_assets/public/eddy-wealth/images/ew-logo-icon-colored.png) Eddy Wealth Inc. Retirement. Measured in years.](https://eddywealth.com/?hsLang=en) Other advisors measure performance. We measure time.™ Calm water. Measured in years. ## Useful Links - [Home](https://eddywealth.com/?hsLang=en) - [Navette OS™](https://eddywealth.com/navette-os?hsLang=en) - [Investments – ACPI](https://eddywealth.com/our-approach?hsLang=en) - [About](https://eddywealth.com/about?hsLang=en) ## Explore - [Research](https://eddywealth.com/research?hsLang=en) - [Start Here](https://eddywealth.com/start-here?hsLang=en) ## Get In Touch - [Ready to see your time? Start with 15 minutes.](https://eddywealth.com/start-here#time-portrait-ai-intake) - [Begin Your Time Portrait](https://eddywealth.com/start-here#time-portrait-ai-intake) - [Return to top](https://eddywealth.com#top) [![Aligned Capital Partners Inc.](https://eddywealth.com/hs-fs/hubfs/acpi-aligned-logo.png?width=226&height=69&name=acpi-aligned-logo.png)](https://www.alignedcapitalpartners.com/) [![Canadian Investment Regulatory Organization (CIRO)](https://eddywealth.com/hs-fs/hubfs/ciro-logo.png?width=232&height=69&name=ciro-logo.png)](https://www.ciro.ca/) [![Canadian Investor Protection Fund (CIPF) member](https://eddywealth.com/hs-fs/hubfs/cipf-logo.png?width=97&height=74&name=cipf-logo.png)](https://www.cipf.ca/) Aligned Capital Partners Inc. (“ACPI”) is a full-service investment dealer and a member of the Canadian Investor Protection Fund (“CIPF”) and the Canadian Investment Regulatory Organization (“CIRO”). Investment services are provided through Eddy Securities, an approved trade name of ACPI. Only investment-related products and services are offered through ACPI/Eddy Securities and covered by the CIPF. Financial planning services are provided through Eddy Wealth. Eddy Wealth is an independent company separate and distinct from ACPI/Eddy Securities. - [ACPI Privacy Notice](https://www.alignedcapitalpartners.com/privacy-notice/) - [ACPI Complaint Resolution Policy](https://www.alignedcapitalpartners.com/complaint-resolution-policy/) - [CIRO Know Your Advisor](https://www.ciro.ca/office-investor/know-your-advisor-advisor-report)