A financial assessment is the first step we take with everyone. Before we talk about any product, we get to know your whole financial world: what you want your life to look like, and where your money is today.
We listen to your goals first, like retiring at 60, paying off the house, or helping a child through university. Then we look at the numbers together: income, monthly expenses, what you own and what you owe. The result is a complete snapshot of your financial health, in plain language.
What we help with
- Turning your goals into something you can plan around
- Understanding your cash flow: what comes in, what goes out, and where it leaks
- Checking how comfortable you are with risk
- Spotting gaps, like too little emergency savings or insurance
- Looking at how tax-efficient your current setup is (RRSP, TFSA and more)
- Seeing whether your current path gets you where you want to go
How it works
- ConversationWe start by listening. Tell us what matters to you and what keeps you up at night. No pressure, no sales pitch.
- Gathering the factsWe collect the basics: income, expenses, savings, investments, property, debts and your mortgage. We will tell you exactly what to bring and collect it securely.
- AnalysisWe look for strengths, weaknesses and, most importantly, opportunities, and project your current path against your goals. For example: "At this rate, will your savings last through retirement?"
- Your planWe walk you through clear, practical recommendations and a written plan for your next stage of life, and answer every question you have.
Common questions
Do I need to have a lot of money to get an assessment?
No. An assessment is useful at any stage, whether you are just starting out, carrying debt, or getting close to retirement.
What should I bring?
We will send you a short list before we meet. Usually it is recent pay stubs, statements for savings, investments and debts, and your mortgage details. Please don't email account numbers or your SIN; we'll collect what's needed securely.
Is there a cost?
No. Your initial conversation is 30 minutes and free.
Do I have to buy something afterwards?
No. The assessment is about understanding. What you do with it is up to you.
General information only, not personal financial, tax or legal advice.