Baseline Snapshot • Gate 2

Turn the Charter into a working baseline.

The Baseline is the first real test: what the lifestyle costs, what reliable income covers, and what the portfolio must carry year by year.

01

Scope & schedule

These should already feel familiar from the Charter. Check them before you add financial detail.

Essential—
Discretionary—
Irregular—
Total scope—
Today's dollars.
02

Resources

Count only assets that are actually available to fund the retirement project.

Exclude a home or other assets you do not intend to use.
Enter 0 if already retired.
03

Reliable income

Add pensions, Social Security / CPP / OAS, rental income, salary bridges or other income you are willing to treat as reliable.

Indexed income can be entered in today's dollars; fixed income stays nominal.
04

Assumptions & known expenses

Keep assumptions visible. The point is not to pretend they are right; it is to know exactly what the baseline depends on.

Planning assumptions, not forecasts. Return and inflation inputs are used only to build the control reference and the three standard sensitivity tests.
Percent
Percent
Percent

Known one-time expenses

Vehicle replacement, roof, family support or other dated items.

Ready to calculate?

The result will be a three-page Baseline Snapshot answering only three questions: Does the plan work? Where is the pressure? What changes the outcome?