Co vs Beaver FP

What you can do in the app: Sign in with biometrics: — Signing in is easy and secure when you set up biometric login, like Face ID or Touch ID. Submit a home, auto and recreational vehicle claim — Manage every step of the claims process right from your device: start a claim, track its status, upload documents and take photos. Need to pause? We’ll save your progress so you can pick up where you left off. Get your proof of insurance* — Enjoy instant access to your digital pink slip for any of your auto and recreational vehicle policies. You can also add your pink slip to your mobile wallet. Facility Association (FA) clients don’t have access to this feature. Access paperless documents — With just a few taps, you can instantly pull up your coverage details and investment documents. We’ll email you when new documents become available. Make a payment — View bills, make a payment and update your payment methods. Manage policy details — Make changes to your home, auto and recreational vehicle policy, like adding a driver or a vehicle. Online Services support — If you need help with Online Services, call 1-855-446-2667 or email client_service_support@cooperators.ca *Although your pink slip is a valid proof of insurance in most provinces and states, we recommend that you always keep a paper copy with you. Co-operators® is a registered trademark of The Co-operators Group Limited and is used with permission. ©2026 Co-operators General Insurance Company

Beaver FP is retirement planning for Canadians, and nothing else. No bank logins, no transactions to sort, no budgets to track: just your plan, year by year, from today through retirement. Start in Minutes Quick Plan's seven short screens lay out your whole retirement. Add detail whenever you like: every income, account, pension, loan and expense. Financial Insights Your plan, examined. Ranked recommendations, each priced in today's dollars, with one tap to apply: CPP and OAS timing, RRSP meltdown, RRSP or TFSA, your withdrawal order, pension splitting, spousal RRSPs, paying off debt, and a fix for any working year that falls short. Choose what matters most, enjoying it, balance or leaving a legacy, and they're ranked that way. Plus answers to three big questions: • How early could you retire? • How much more could you spend? • What investment return does your plan actually need? Stress Testing Will your plan survive a bad decade? Run up to 1,000 simulated lifetimes against market ups and downs and see the odds your money lasts: the median outcome, the most-likely zone, and realistic best and worst cases. Or overlay historical events on your plan. Every Year in Detail • Year-by-year projections with full federal and provincial tax • Tap any number to see how it was calculated • A Year Summary that reconciles every account and loan • Eleven charts, from investment growth to OAS clawback • Plan Overview: money flows, a timeline of your milestones, and the steps to carry out your plan Built for Canadian Retirement • TFSA, RRSP and RRIF, spousal RRSP, FHSA, DCPP, and LIRA and LIF, with contribution room tracked • CPP from 60 to 70, OAS with clawback, and GIS • Defined benefit pensions with bridge benefits and CPP integration • Tax for every province and territory, with CPP and EI premiums • Pension income splitting for couples Planning Tools • Choose the order you save into and draw from your accounts • RRSP meltdown strategies and capital gains on non-registered savings • Paid-off loan payments: when a loan is paid off, its payment goes onto your other loans, then into savings • Overrides for any year: a raise, a big expense, a paused contribution, a mortgage payment holiday • Change Retirement Date, Retirement Lifestyle and Adjust Retirement Savings, each with a live dollar impact Couples • Each person's incomes, accounts, retirement age and longevity • Estate transfers on death, and a combined household view Reports A PDF report with an executive summary, your inputs and overrides, detailed projections and charts, for you, your partner or your advisor. Private by Design No account to create. Your plans stay on your devices, and in your own iCloud if you turn on sync. They are never sent to us. No advertising, and it works offline. Learn as You Go Finance 101 covers TFSAs, RRSPs, pensions and investing basics. Your Guide is searchable help for every screen. Simple Pricing • Free: 2 plans to view, plus a one-time 24-hour pass to edit, apply Financial Insights and run stress tests • Monthly: 5 plans, full planning features, PDF export, iCloud sync, with a 1-week free trial • Annual: 10 plans plus Financial Insights, Stress Testing, and import and export • Lifetime: unlimited plans and every feature, forever Every tier sees its Financial Insights recommendations and dollar figures; Annual and Lifetime unlock one-tap Apply and stress-test runs, and so does the 24-hour pass. For iPhone, iPad and Mac, with optional iCloud sync across your devices. Privacy Policy: https://beaverfp.com/privacy Terms of Service: https://beaverfp.com/terms