ffPro was designed and developed by Jean-Philippe Lemieux, the founder of LMX Apps Inc., a company based in the Province of Quebec established in June 2021.

Jean-Philippe is an actuary and a financial analyst. After working for about 30 years in the pension and investment industry, he decided to return to one of his passions, computer programming.

During his reflections, one question kept coming back in mind: How could he help people enjoy an additional year of retirement?

It is with this question in mind that he decided to design this web application in order to project the financial situation of Quebec families, integrating unique actuarial functions.

To offer Quebecers and financial planners a powerful, innovative and accessible tool to optimize family financial management and accelerate the achievement of financial independence.

We believe that Quebecers deserve access to quality financial planning, free from conflicts of interest and dependence on financial institutions. Our mission was born of a desire to fill a gap in the market.

Today’s individual wants to achieve (or maintain) financial independence, but lacks the integrated, accessible and comprehensive tools to do so. The current offering is either too simplified (often free, but incomplete), or too expensive and reserved for professionals.

We fill this gap by offering an alternative that enables individuals to:

• Develop a customized financial plan without relying on financial institutions.
• Optimize their savings and withdrawals thanks to a comprehensive projection approach that robustly integrates individual taxation and government pension plans.
• Train themselves and become more autonomous in managing their finances, while retaining the support of their financial planner when needed.

Our strength lies in the combination of several disciplines:

• Financial planning and projection
• Individual taxation
• Pension plans and actuarial science
• Investment products
• Computer programming

Accessibility

To offer an affordable, intuitive and inclusive solution, enabling everyone, whatever their age or financial situation, to take control of their finances.

Autonomy

To empower individuals to manage their own finances with an educational, interactive and easy-to-use tool.

Independence

To offer an unbiased solution to encourage users to make informed decisions in line with their own needs.

Innovation

To continuously evolve our solution by integrating the best technologies and practices into financial planning to offer an ever more efficient and adapted experience.

Support

To put people at the heart of our approach by offering personalized support that listens to and respects the needs of each user.

Confidentiality

To guarantee optimal security and rigorous protection of personal data, in order to build a lasting relationship of trust with our users.

Rigour

To build a relevant financial projection model for reliable, consistent results.

Ethics

To act with integrity and transparency, putting the interests of our users at the heart of our decisions.

We want to democratize financial planning by making it accessible to everyone, not just customers of large financial institutions and wealthy investors. By facilitating a better understanding of personal finances and offering a powerful, unbiased tool, we’re contributing to a society where more Quebec families can build a stable, secure financial future.

We aim to:

• Restore Quebecers’ confidence in their financial future by offering them a relevant, accessible and empowering tool.
• Reduce financial anxiety by helping families better understand and manage their financial situation.
• Encourage healthy, responsible financial behaviour, thereby helping to reduce over-consumption and build sustainable wealth.

Nouvelle application web pour planification de retraite

By Jean-François Barbe, Finance Investissement, September 29, 2021

Une nouvelle application financière pour les frugalistes québécois·es

By Jean-Sébastien Pilotte, jeuneretraite.ca, Avril 9, 2024

Sincere gratitude to Jean-Sébastien Pilotte for his generosity and sound advice on the app’s user experience. These led, among other things, to the creation of the Express version, the solver and the “Quick Start”. Jean-Sébastien is a well-known Quebec influencer in the “FIRE” movement (Financial Independence, Retire Early) and author of the jeuneretraite.ca blog and the book “La retraite à 40 ans”.

Our logo and the other images of the application were designed by Bernard Lemieux, a multidisciplinary engineer creator from Gatineau..

The logo is composed of five main elements:

The Pentagon

The pentagon is the basis of the application’s graphic design. It symbolizes the family by its shape emulating a house.

The Curve

The curve inside the house evokes the evolution of family wealth over the years and the financial projection, the foundation of the app.

The Decline on the Curve

The decline on the curve reminds us of the uncertain nature of the financial markets. It is in the centre of the logo to represent its importance in financial decision-making.

The Accent

The accent on the house suggests another house in the background. This expresses the unique multigenerational functionality of the app.

The Pedal

The pedal on the bottom left of the logo, as an accelerator or lever, symbolizes the actions you can take today to improve your financial situation, based on scenario projections of the app.