The calculations are based on the same methods and assumptions as are employed in the book “The Essential Retirement Guide: A Contrarian’s Perspective” and are provided as a general source of information only. The calculations should not be construed as offering specific financial, tax, investment or other advice. The calculations are only estimates based on the information provided by the user and Morneau Shepell makes no claim as to their accuracy. Morneau Shepell does not take any responsibility for the results of the calculations. The user is responsible for making his or her own investment decisions and should seek expert financial, tax, investment and legal advice before taking any action based on the results of the calculations. No data will be stored by Morneau Shepell. The calculator is subject to Morneau Shepell’s privacy policy which can be accessed here.