Product
Dividend Detective
Retirement intelligence and income indexing in your pocket — Top 50 discount & yield tools for Canadian and North American income investors.
Explore the appPensionizer.
Income tools for sharp investors. Flat-fee advisory. A retirement platform built to scale across North America.
Capital
Investment opportunity
Raising $200K CAD at a $2M valuation for platform growth, AI content, and a path to NYSE ETF listing — Dec 2026 target.
See the opportunityDividend Detective
Income indexing, built for people who want clarity — not noise.
Dividend Detective is Pensionizer's mobile product for intelligent income investors: screen, track, and act on yield opportunities with the same philosophy behind our advisory work.
Pensionizer Top 10 Express
A focused investment index for income — rebalancing signals designed so subscribers and desks can execute with discipline.
Top 50 Discount & Yield
Game of Yield Club indexing tools for Canadian licensed independents and serious DIY income investors.
Education that compounds
Research, video, and community context so you understand the “why” behind income strategies — not just tickers.
Free → paid ladder
Start as a Researcher, step up to Inspector ($45/mo) for DIY execution, or Detective-tier tools for licensed PMs.
Built for retirement income
Aimed at the wave of North Americans turning 65 — tax-aware, income-first thinking, not speculative day-trading chrome.
Same firm behind the curtain
Backed by Pensionize Me Wealth Services advisory experience — flat-fee culture, capital preservation, and tax efficiency.
Download
Get Dividend Detective
Scan a QR code with your phone, or tap a store badge to download.
Scan for iPhone / iPad
Scan for Android
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Invest
Join the raise behind a Pan-American retirement platform.
$200K CAD · 10% equity at close · +5% bonus equity on ETF launch day · $2M CAD pre-money valuation.
$200KCAD raise
10% + 5%Equity at close + ETF bonus
~10.3%Avg annual index return
Dec 2026NYSE ETF target
- 18-year backtested index · 7-year live auditable track record
- Dual revenue: subscriptions + AUM/ETF fees at scale
- 60 exclusive PM territories across Canada & the U.S.
- Capital aimed at growth — not rebuilding from scratch
Services
How we help
Wealth Management
Comprehensive strategies to grow, protect, and optimize your financial assets.
Learn moreRetirement Planning
Tailored plans to ensure a comfortable, secure retirement that meets your future goals.
Learn moreFamily Wealth
Holistic wealth solutions designed for multi-generational financial security and growth.
Learn moreFinancial Education
Empowering you with knowledge to make informed financial decisions at every stage of life.
Learn morePensionizer advisory
Flat fees. Lower taxes. Clear income planning.
The core of Pensionize Me Wealth Services — built for sharp people who want more of their money working for them.
Lower Taxes and Flat Fee For Sharp People.
Maximize your retirement with tailored advice and professional management. We’ll help you choose investments, optimize contributions, and grow your retirement with confidence.
Learn moreRegistered Accounts: Net Income Planning.
Ensure reliable income in retirement. Our strategies help turn your savings into steady income streams, so you can enjoy a comfortable, worry-free retirement.
Learn moreClick & Try RRSP, Fee and RRIF Calculators.
Book a 20 minute free no obligation Zoom chat. Find out how to save thousands, Boost your Retirement Income without adding more risk. Talk to Ray Dragunas in Person or on Zoom.
Learn moreTransparent pricing
Simple Pension Style Fee Structure
| Asset Level | Annual Fee | Effective % |
|---|---|---|
| Up to $250K | $3,500 (min) | 1.40% at $250K |
| $400K | $4,000 | 1.00% |
| $500K | $5,000 | 1.00% |
| $750K | $7,500 | 1.00% |
| $1M–$2M | $9,000 | 0.90% at $1M |
| $2M+ | $9,000 + 0.15% | Declining % |
All fees are before HST. Trading commissions are additional; PensionizeMe does not receive a benefit from trading costs. Fees may be tax deductible for certain accounts.
ARE YOU “RETIREMENT READY” OR NOT? BOOK A ZOOM CHAT AND FIND OUT IN 20 MINUTES
Talk to Pensionizer Portfolio Manager Ray Dragunas. Keep your wealth safe by avoiding “unforced retirement errors” and losing money unintentionally and unknowingly. Our investment income management services focus on creating diversified portfolios tailored to your financial goals and made to optimize cost and taxes. We apply strategy and tactics focusing on proper management and defensive approach to managing RRSP & RRIF assets.
Who We Work With
We assist retirees in effectively managing their wealth to ensure they can maintain their lifestyle and enjoy a comfortable retirement. Our services focus on maximizing income streams, preserving assets, and addressing healthcare needs, so you can retire with peace of mind and financial security.
For those approaching retirement, we provide guidance on building financial stability and enhancing retirement savings. We help you create a solid plan for transitioning smoothly into retirement, addressing everything from income planning to tax-efficient strategies.
Business owners require specialized financial strategies for managing both business and personal wealth. Our team provides comprehensive services, including business growth planning, succession strategies, and asset protection, so you can focus on running your business with confidence.
We work with families to build lasting financial security and wealth that can be passed down through generations. From college planning and homeownership to wealth building and estate planning, we create tailored solutions to help you achieve your family’s unique goals.
Tools
Click & try RRSP, Fee and RRIF Calculators
Run the numbers, then book a free no-obligation Zoom chat with Ray Dragunas.
Trust
What clients say
“I have been working with Ray for about five years now managing my investment portfolios. There are a few things that stand out with Ray and the service I receive. First, being independent Ray is not restricted to any specific proprietary product. He can access a variety of investments that are helping meet my family's goals and objectives. Second, he is focused on generating income with an eye on capital preservation and tax efficiency, which so far has been successful. Finally, his approach to fees leaves more money in my accounts to grow over the long term.”
“Ray and his team have been incredibly supportive through the process of learning about how different investments work, and getting started into finding a way to successfully invest in our future. I would recommend anyone considering learning more about investments all the way to seasoned professionals to work with this amazing and knowledgeable team. The expertise and support I've received have been invaluable. From investment advice to retirement planning, every recommendation has been tailored to my needs.”