If Matthew was single, he never needed to save any significant amount of money.  Between a paid-up home and a decent pension, he would have had enough to live on. 

The problem is Anastasia, who has no savings or pension. There is a certain lifestyle question as to when she should retire, or whether she can "buy" extra vacation or otherwise get more time for them to spend together.

The "expert" assumes Matthew will take CPP at age 65. Yet there may be a reason to take CPP early. Because of their age differences, there is a reasonable chance that Matthew will die before Anastasia, and reducing his ongoing CPP may result in less "wasted" CPP survivor benefit. They should calculate scenarios of Matthew starting to collect at different ages, and the survivor benefit of his dying at different ages.