Cenovus Well-Being Week

Know your number.
Know your date.
Know your next move.

Turn the pieces of your financial life into a clearer picture of what retirement may require - and whether you could be closer than you think.

Build my 5-minute snapshot Download the toolkit

Your numbers stay with you. The calculator runs in this browser. Your answers and results are saved with your contact details when you submit.

A retirement balance is not a retirement paycheck.

The useful question is what the money needs to produce - and for how long.

Take the tools with you

Six worksheets.
One clearer next step.

Start with the checkup, then choose the tool
that matches the decision in front of you.

START HERE

Universal Retirement Checkup

A fast confidence check across savings, income, timing, taxes, healthcare, and family readiness.

Download PDF FIND YOUR STAGE

Build, Pivot & Enjoy Cards

Choose the planning questions that matter most for your chapter.

Download PDF BUILD

Cenovus Match Map

Translate contribution percentages into a next-paycheck decision.

Download PDF PIVOT

Retirement Paycheck Map

See what replaces your paycheck and what your portfolio must support.

Download PDF PIVOT

Benefit-Date Timeline

Place retirement, healthcare, pension, and Social Security dates on one page.

Download PDF DECIDE

One-More-Year Calculator

Compare what another year may buy financially with the life it postpones.

Download PDF

Private retirement snapshot

Could you be closer than you think?

Use rounded estimates. No names, account numbers,
Social Security numbers, or login information.

Step 1 of 5 Your finish line

Your finish line

Retirement readiness starts with the life the money needs to support.

Current age Age you want work to become optional Desired household spending each month Use an after-tax estimate if possible. $ Employee group

What you have built

Rounded household totals are enough. Add what is still going in each year so the snapshot can project forward. Your answers and results are saved with your contact details when you submit.

Pre-tax retirement accounts 401(k), 403(b), traditional IRA $ Roth retirement accounts $ Cash and taxable investments Savings, brokerage, CDs $ Other retirement assets Include spouse accounts if planning together. $ Added to investments each year Include your contributions, Cenovus contributions, and other annual investing. $ Inflation-adjusted planning growth A planning assumption, not a forecast. All results remain in today's dollars. Debt you expect to carry into retirement $ Cash reserve in months of spending

What replaces the paycheck

Enter monthly estimates and the age each source begins.

Source Monthly amount Start age

Pension $ Social Security - household $ Other dependable income $

Your unfinished decisions

The balance matters. So do the decisions around it.

Healthcare bridgeI know how coverage and cost work from retirement through Medicare. Pension choiceI have confirmed the available election and survivor options. Tax planI understand which accounts would pay me first and how withdrawals may be taxed. Difficult-market planI know what would fund spending if markets fall early in retirement. Household planMy spouse or decision partner understands the plan.

Your contact details

Enter your details to view your retirement snapshot.

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SD CAPITAL

My Retirement Snapshot

Your educational snapshot

0 years to target date

Investable assets today $0

Annual additions entered $0

Projected assets at target age $0

Total multi-stage bridge $0

Projected assets after bridge $0

Monthly gap after listed benefits $0

How your bridge is calculated

Each row covers a period before the next listed income source begins. It assumes level spending and no growth during retirement.

No temporary bridge was created because every listed income source begins by the target retirement age. The ongoing monthly gap is shown above.

What your entries suggest

Your next three moves

This snapshot is a simplified educational illustration based only on the estimates entered. The accumulation projection uses the selected inflation-adjusted growth assumption and assumes annual additions occur at year-end. The bridge assumes level spending, no investment growth during retirement, and no taxes. It does not fully account for returns, inflation, longevity, plan eligibility, insurance, estate needs, or all household circumstances. It is not an individualized financial plan, tax advice, or a recommendation to retire or invest.

Cenovus benefits checkpoint

Use the plan.
Verify the plan.

Benefits can materially change a retirement date. The non-represented 401(k) facts below come from the January 2026 Plan Highlights. Represented-plan and healthcare provisions remain preliminary until their separate materials are reviewed.

Represented / hourly

Questions worth confirming

Are you contributing enough to receive the full match?
How does the supplemental contribution apply?
Does an age-50+ bonus contribution apply to you?
What happens to healthcare when employment ends?

Non-represented / salary

What the January 2026 summary says

100% company match on the first 6% contributed each payroll period
Automatic 7% Enhanced Company Contribution on non-bonus eligible pay
Employee contributions from 1% to 50% across pre-tax, Roth, and traditional after-tax
Immediate vesting in all contributions and earnings

For both groups

Dates worth placing together

Your desired last day of work
Retiree medical and Medicare eligibility
Pension and Social Security start dates
Your spouse's retirement and benefit dates

Important details for non-represented employees: employees hired or rehired on or after January 1, 2025 are automatically enrolled at 6% pre-tax unless they change or stop the election. Performance-bonus contributions are not matched, and performance bonuses, equity incentives, and certain other pay are excluded from the 7% Enhanced Company Contribution calculation. The 401(k) summary does not verify active healthcare, HSA availability, or retiree-medical eligibility. Confirm those items separately.

Source: Cenovus Non Represented 401(k) Plan (095640), Plan Highlights, January 2026. If the highlights conflict with the governing plan document, the plan document controls.

When a general worksheet is not enough

Bring the numbers. Keep the conversation human.

A private conversation can test the assumptions, organize the benefit dates, and turn this snapshot into a complete planning process.

Schedule a Call with SD Capital