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Not everyone is eligible for the Frustration65™ plan. If your financial situation at retirement includes the need for your RRSPs to help cover your regular living expenses, Frustration65™ may not be right for you. Use our calculator to determine the benefits for RRSP withdrawal that you do not require to live off of at the current time.

If you would like the full story about Frustration65™ we have a document that will explain the program in a bit more detail.

If you are ready to submit an application or request more information, you have your choice:

  • Download, print and complete the printer-friendly PDF form. Please note you will need Adobe Acrobat, a free program, in order to open the printer -friendly PDF form. You may download Adobe Acrobat from here. Once you have completed the form, you may mail it to: Septen Financial Ltd. 235-8100 Rock Island Highway, Trail B.C. V1R 4N7 or fax it to us at 250.364.3138
OR
  • Don't have access to a printer? Call our toll free number 1.877.675.7526 (or 1.800.932.9989) and we will mail you the form.
OR
  • Click to visit the simple, secure online form, fill in the information and submit it to us. This page will open in a new window and all information you enter is secure.

Within 15 days of receipt of your application form, a Frustration65™planner will review your information and may contact you to ask further questions as part of the review. Once the review is completed the Frustration65™ planner will make an appointment to review the plan with you.

Privacy Policy: The information you provide for us is kept in the strictest confidence. We will use it only to assess how best to structure a Frustration65™ program for your needs. At Septen Financial Ltd we understand that the privacy and security of your personal and account information are important to you. Septen Financial Group maintains confidentiality standards that are designed to protect your personal information. As a regulated company, Septen Financial Ltd. is required to obtain your personal and financial information and hold such information on a confidential basis.