For a generation hit by wage stagnation, housing crises, and inflation, traditional retirement advice—save 10%, invest in index funds, retire at 65—feels increasingly out of touch. Many younger workers want flexibility, not just financial freedom.

That shift has sparked a new category of tools aimed at modern wealth planning. Futureflow, a fintech platform based in Toronto, is helping millennials and Gen Zers map out career-linked financial strategies that adapt to non-linear incomes, freelance gigs, and early sabbaticals.

Futureflow combines traditional long-term investing with scenario planning and behavioral nudges. Users can simulate different life paths—like pausing work at 40, starting a business, or working part-time while traveling—and see how their choices affect long-term security.

As the definition of “retirement” becomes more personal, platforms like Futureflow are reframing financial planning around quality of life—not just end-of-life.