CRM3-Ready planning • for canadian advisors

Total cost reporting software shows fees. Snap Projections supports the client conversations around them.

Snap Projections is built for Canadian Financial Advisors who want to turn the new CRM3 fee disclosure conversation into a client retention and referral moment.

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The Shift

What's changing?

Starting 1 January, 2026, Canadian dealers must collect accrued investment fees in dollars. By 2027, every client will see a single ARCC statement that adds up MERs, trailing commissions, and Advisor compensation in one number they have never seen before.

For the first time, clients can compare your costs against what they believe they received. Without clear planning to point to, that conversation becomes difficult.

Your Clients Will now See

Total fees paid
Clients see every dollar charged across their accounts, making your costs fully visible.
Performance vs. cost
Clients can weigh their returns against advisory fees, raising questions about added value.
Service expectations
Clients start measuring whether your advice justifies the total cost they now clearly see.

The pressure

Many Advisors are
unprepared for this fee shift

The traditional model of leading with products and returns gives clients little reason to stay loyal when fees become visible. Planning changes that dynamic entirely. When clients see a clear, personalized plan showing how their money works for them, the fee conversation shifts. Your value becomes obvious before they ever read the CRM3 report.

The Old Way

Product-led

Lead with investment returns and product features.
Deliver dense reports clients rarely read.
React to client questions without supporting data.
Justify fees only when clients raise concerns.
Hope relationships survive full fee disclosure.

The Way Forward

Planning-led

Lead with personalized scenarios and clear projections.
Present one-page plans clients actually understand.
Answer questions with real-time what-if analysis.
Demonstrate ongoing value before fee reports arrive.
Build trust that strengthens through transparency.

Free resource

The CRM3 opportunity growth playbook

Our playbook gives Canadian Advisors a step-by-step plan for CRM3 readiness.

How CRM3 changes the client conversation about fees

A clear breakdown of what clients will see in their total cost reports and how disclosure reshapes their expectations around value.

The planning-led model that justifies your advisory fees

Learn how to position financial planning as the core reason clients stay, pay, and refer others to your practice.

Building a repeatable process for client retention and growth

A structured framework for turning every client meeting into a trust-building experience that leads to referrals and larger relationships.

Download the TCR Opportunity Playbook

What it is

What is total cost reporting and how does it change my client meetings?

Total cost reporting (TCR) is part of the CRM3 amendments from the CSA and CIRO. It requires Canadian dealers to disclose all investment fees in dollar terms starting with the 2026 calendar year.

The first Annual Report on Charges and Compensation (ARCC) statements reach clients in 2027. From that point forward, every annual review starts with a client looking at a single dollar figure for fees and asking what they got for it. Snap Projections gives Advisors a retirement projection to answer that question directly.

Total cost reporting software calculates the fees that CRM3 requires to be disclosed, but it doesn’t help clients understand what those fees pay for. This can lead to lost clients and difficult conversations. Snap Projections delivers clear, client-friendly, scenario-based planning that helps your clients understand the value you bring. See how we compare to other financial planning software.

Time saved

How does Snap save Advisors time on TCR-ready client reviews?

Snap cuts plan prep from days to minutes. Build a full Canadian retirement plan and produce a client-ready, one-page SnapShot in a single sitting.

Advisors using Snap report saving 5–10 hours per plan, which more than covers the additional review work TCR will generate across a book of business. Most Advisors are up and running in under an hour, with no implementation project and no consultant required.

Our Snapshots provide a visual representation of your proposed retirement income replacement strategy, showcasing the impact of recommendations on your net worth, estate, and the overall feasibility of your plan.

Instantly compare up to 5 scenarios on one page or compare just two to populate the "difference" column.

Who it's for

Who uses Snap for CRM3 client conversations?

Independent Canadian Financial Advisors, Financial Planners, and boutique wealth firms use Snap Projections to run live, interactive TCR conversations. Firms like CI Assante, Sterling Mutuals, PPI, and Aligned Capital Partners have Advisors on the platform.

Hundreds of Advisors across Canada use Snap to model RRIF withdrawals, CPP and OAS timing, and tax-efficient drawdown. We built Snap Projections for Advisors who run client meetings live. Snap supports the client conversation, for increased transparency and trust, which leads to more referrals and greater retention.

Canadian tax

How does Snap handle Canadian tax law and account types for accurate fee impact?

Snap Projections is Canada-only and built around Canadian tax rules. RRSPs, TFSAs, RRIFs, LIFs, non-registered accounts, CPP, OAS, and segregated funds are all native. Current Canadian tax law applies to every calculation. Every output is transparent and auditable.

This is the main planning page in Snap Projections financial planning software. Advisors can show their clients their whole life on one page.

The process

Proven process for
winning clients with planning

Hundreds of Canadian Advisors already use this five-step approach successfully.

Identify client priorities

Ask the right questions to surface goals, concerns, and planning gaps.

Build personalized projections

Create clear retirement and tax scenarios using real client data.

Present visual plans

Walk clients through one-page projections they instantly understand.

Compare what-if scenarios

Show trade-offs side by side to guide confident decisions.

Deliver ongoing value

Update plans regularly so clients always see your impact.

Snap Projections is built to make that conversation routine, not rare.

The platform

Purpose-built for client transparency

Snap Projections gives Canadian Advisors the ability to build interactive plans in minutes. Create personalized projections, compare scenarios in real time, and present one-page reports clients actually understand.

Client document automation

Easily enter data manually or use Snap’s new AI Import Assistant to do it for you. It’s an innovative solution to expensive API or integrations that don’t always work. You can upload client documents or plans from other software, and provide instructions to auto-create your first draft.

Scenario comparison

Compare up to five retirement scenarios side by side, to show clients the dollar impact of every planning choice in seconds.

One-page SnapShot report

Deliver a concise, client-friendly summary that frames the full retirement picture, so the Advisor can clearly show tangible outcomes.

Automated projections

Generate per-client retirement and tax projections automatically, with Canadian rules and current limits already applied to every account.

Comprehensive planning

Model retirement income, taxes, insurance needs, and estate considerations together, so fees are anchored to tangible client outcomes when Advisors present Snap reports alongside CRM-mandated disclosures.

Flexible for every client type

Support goal-based or cash-flow-based planning across mass-affluent, HNW, and incorporated business owner clients without rebuilding from scratch.

Real-time updates

Adjust assumptions live in client meetings and watch projections update instantly, so TCR questions get answered in the room.

See it on your own client book

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Outcomes

Measurable results from
planning-led advice

Higher client retention rates
More unsolicited referrals
Larger average household assets
Confident fee conversations
Stronger long-term client trust

The Insight

When clients can see the impact of your advice, the conversation shifts from cost to value.

Snap Projections is built to make that conversation routine, not rare.

Reviews

What Canadian Advisors
say about Snap Projections

"We were initially attracted to Snap Projections’ overall ease of use. In particular, we liked the ease of integrating personal assets as well as corporate assets into one cohesive set of financial & retirement projections for our clients. Snap is also great at showing clients different what-if scenarios on the spot - both in person and in a virtual meeting.

Snap has significantly helped our team with client retention, positioning and the ability to demonstrate the value of advice. In many cases, we provided projections for prospects who later decided to become our clients. If you are an advisor who values their time and looking for an efficient platform for financial planning, you will be crazy not to consider Snap Projections.”

Eric Thomson

Senior Financial Planner, Thomson Financial Partners, Assante Capital Management

"SnapProjections is an incredibly intuitive tool for the advisor that believes a financial plan is a living, breathing process – not a 50-page plan that their clients will never use.

You can sit with clients and get a great start on a financial plan in a short, 15-minute session, or you can compare a dozen different ‘what-if’ scenarios, change things on the fly and answer essentially any hypothetical question your clients may have. It has changed the way I do my business.”

Dave Wilder

Founder, Wilder Wealth, Investia Financial Services Inc.

"The ability to manipulate the data with a client watching is what I enjoy most about Snap Projections. The data entry is simple, and it's easy to provide clients with a meaningful report after working in Snap Projections together.

You can tell the developers at Snap work closely with advisors to help them provide clients with a meaningful understanding of their overall retirement and estate picture."

John Booth, CPA, CA, CFDS, CFP

Senior Financial Advisor, Aldershot Financial Group | Aligned Capital Partners

See All Advisor Reviews

FAQs

Total cost reporting software FAQs

Total cost reporting is a CSA and CIRO disclosure standard, sometimes called CRM3. It requires Canadian dealers to show clients the dollar cost of all investment fees, including MERs, trading expenses, and Advisor compensation. Data collection begins January 1, 2026. The first ARCC statements reach clients in early 2027. The goal is plain-language fee transparency for every investor.

Total cost reporting software simplifies this transition by calculating the direct and embedded fees associated with investment funds. While convenient, it’s an ad-hoc software that doesn’t help Advisors navigate challenging, post-disclosure conversations. Snap Projections helps Canadian Advisors frame fees within the context of the value that Advisor brings. This improves client retention as CRM3 fees cause questions around fund value.

Most won't, if you get to the conversation first. The CRM2 rollout showed that proactive Advisors retained clients at very high rates when they framed fees inside a planning context. Reactive Advisors faced more pushback. Snap Projections helps you prove your value to clients. The dollar figure gets anchored to outcomes you've already demonstrated, not a surprise on a compliance document. This helps with retention and proving your worth through proven outcomes.

Snap Projections enables Advisors to create personalized financial projections and scenarios that demonstrate ongoing planning value. By presenting clear, visual plans showing how Advisor guidance impacts client outcomes, the software shifts conversations from costs to value, making fee justification proactive rather than defensive under CRM3 requirements.

Back-office total cost reporting software solves a data and reporting problem for the dealer. Snap solves the client-meeting problem for the Advisor. We don't produce the regulatory statement itself and we don’t calculate the fees. However, we give you the planning environment to put those numbers in context: RRIF income, CPP and OAS timing, tax-efficient drawdown, and insurance needs. The two systems work together. Only one keeps the client by proving Advisor value through measurable outcomes.

Run your first CRM3-compliant
plan this week

Start your 14-day free trial of Snap Projections. No contract, cancel anytime. Run a TCR-style client conversation inside the software this week and decide for yourself.