Below is a high-level list of what changes when you select "Target Culture: Canada" in the software Settings: (Click here for the step-by-step instructions to change your software's target culture to Canada and update your OCQ settings.)

• Canadian Province Rates added to Tax History and Income Tax Calculator
• Canadian life expectancy tables
• Provincial Tax data added to the Tax Thresholds
• RMD Calculator uses RRIF withdrawal calculations
• Spending Game adds an “RMD Age” field to TDAT, TDBT, and Annuity account types (to support RRIF account minimum withdrawals at any age)
• A maple leaf is shown on every dashboard section
• Online Confidential Questionnaire (OCQ) Note: After setting your COW Software to target culture Canadian, you must then navigate to the OCQ, opening it's settings and then click "save changes."  This updates your OCQ with your COW Software culture settings
• Personal Economic Model - Scenarios selection "Social Security" changes to "CPP / OAS" (representing the Canada Pension Plan)
• Income Tax CA - New Presentation referencing Canadian Federal Income Data
• Tax History CA - New Presentation referencing Canadian Tax History 1985 to Present, Debt Clock links to debtclock.ca
• Tax Threshold - New Presentation referencing Canadian Federal Income Tax Thresholds 1985 - 2021
• History of Inflation - New Presentation referencing Canadian Inflation 1960 to 2020 Annual Inflation
• Market History - Added "S&P TSX Composite"
• Annuities 101 - New Presentation referencing Registered Plans, Canadian Pension Plan, Types Fixed & Variable (no Indexed), Key Takeaways Modified
• Income Game CA - New Presentation referencing Canadian Federal Income Data and Tax History
• Circle of Knowledge - Links to new Income Game CA
• Retirement Ready or Not - Links to new History of Inflation and Income Tax CA, PEM view uses RSP Title
• Personal Economic Model (PEM) - RSP Title in the top tube, removal of the Tax History links to new Tax History CA Presentation
• Circle Talk - Registered Plans title, RSP references
• Registered Plans 101 - RSP and CRA titles, reference to Withholding taxes
• Registered Plans - Canadian Plans on first screen, all titles use RSP, no more US$ graphics
• Mortgage Master - All references to interest deductions removed, US$ graphics removed
• Private Reserve Strategy - RSP in all titles
• 10 Minutes Lesson (101 and Traditional) - RSP in all titles, MTAR Date reference
• Spending Game - Required withdrawals calculated with Canadian schedules