--- title: Navette OS | Eddy Wealth description: "Navette OS is the tool Eddy Wealth built to read retirement in years: how long until your portfolio is back on track, and how long your income is covered." --- [![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) [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) Navette OS™ # Every Portfolio Falls Behind. The Only Question Is: How Long? The investing industry is obsessed with returns. Retirees need a different reading. Navette OS™ answers two questions in years: how long until your portfolio is back on track, and how long your income is covered, for you and for your spouse. Opening ## Years. Not percentages. Not probabilities. For retirees, the question is not “how much did I make?” It is “how long until I’m back on track?” Navette OS™ measures that. Then it answers the question that decides how you live: “Is my income covered, and for how long?” That shift changes everything. Returns become inputs. Time becomes the output families can actually use. The platform Navette OS™ is the experience. Recovery time and Coverage Watch™ are what it reads. The instruments ## Recovery time and coverage. One clearer picture of retirement. 01 Recovery time ### How long to catch back up When your portfolio falls behind its yardstick, how many years it takes to catch back up, read from what you actually own, not from a plan’s assumed return. A short reading is healthy. A reading of “never” is a warning years before the balance shows it. 02 Coverage Watch™ ### Is your income covered? Coverage Watch™ checks, year after year, whether your income is still covered to the age you need it to last. It doesn’t sound an alarm on every bad month. It tells you early when coverage is really slipping, while there’s still time to adjust. 03 Margaret Number™ ### And your spouse? Coverage Watch™ runs the same check for the person you’d leave behind. The Margaret Number™ is the gap between when the money runs out and when your spouse’s horizon ends. If that number is 13 yrs, your spouse is exposed for 13 yrs after the money is gone. ![Retired couple cycling on a beach](https://eddywealth.com/hubfs/Untitled%20design%20(1).png) Why time? ## Every other part of life answers the question “how long?” You break your leg and the doctor tells you when you'll be hiking again. Your flight is delayed and the app tells you when you land. Retirement planning, the one domain where time is literally the only resource you cannot replace, still tells people how nervous to be instead of how long to wait. - The first useful question is always “how long?” - Retirees spend portfolios; they do not simply observe them. - Families need time readings they can act on. Methodology ## Built on published research. Proprietary in implementation. Navette OS™ is built on published research into how portfolios recover, extended to retirement spending by Art Johnson. The methodology has been reviewed by academic reviewers, mathematicians and quantitative researchers. It is proprietary to Eddy Wealth Inc. We share the diagnostic, not the recipe. The experience Navette OS delivers a personalised time portrait of your family through watchface dials, maps, and narrative, not a spreadsheet or a Monte Carlo printout. Start Here ## Start with 15 minutes. The Time Portrait conversation collects what Eddy Wealth needs to build yours. [Begin Your Time Portrait](https://eddywealth.com/start-here#time-portrait-ai-intake) [Read the research](https://eddywealth.com/research?hsLang=en) ![Smiling retiree resting outdoors after exercise](https://eddywealth.com/hubfs/resized%20blue%20t%20shirt.jpeg) What happens next ### Your money has a job now. Every follow-up is built around the same unit: time. 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) - [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 **Eddy Wealth** Crowfoot Centre, Suite 340 600 Crowfoot Crescent NW Calgary, AB  T3G 0B4 - [(403) 407-1233](tel:+14034071233) - [Get directions](https://www.google.com/maps/search/?api=1&query=600+Crowfoot+Crescent+NW+Calgary+AB+T3G+0B4) - [Begin Your Time Portrait](https://eddywealth.com/start-here#time-portrait-ai-intake) - [Return to top](https://eddywealth.com/navette-os#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) ```json { "@context" : "https://schema.org", "@type" : "FinancialService", "address" : { "@type" : "PostalAddress", "addressCountry" : "CA", "addressLocality" : "Calgary", "addressRegion" : "AB", "postalCode" : "T3G 0B4", "streetAddress" : "600 Crowfoot Crescent NW, Suite 340" }, "name" : "Eddy Wealth", "telephone" : "+1-403-407-1233", "url" : "https://eddywealth.com" } ```