Financial assessments built for real decisions

The Retirement Readiness Score maps your financial assets, real assets, and debts against your retirement target date and spending goal. It tells you whether you're on track, how many years early you could retire, and gives you a complete net worth breakdown - structured as a documented output, not a calculator estimate.

The Retirement Income Efficiency Assessment compares your current retirement income to an optimized withdrawal scenario. It identifies inefficiencies in withdrawal sequencing, income splitting, and unused deductions - and quantifies the annual dollar gap and the 10-year cost of doing nothing.

The Income Disruption Test stress-tests your financial plan against three scenarios: premature death, long-term disability, and critical illness. For each event it shows whether your plan holds, breaks, or becomes strained - identifying exactly where your protection gaps are before they matter.

The Corporate Tax Efficiency Test reviews your corporation's tax position - CCPC status, passive income against the SBD threshold, CDA balance, salary and dividend mix, and corporate portfolio holdings. It surfaces specific, actionable improvements that reduce your corporate tax burden with dollar-level precision. By request. Free for owners who qualify.

The Second Look Review scores your current investment portfolio across three dimensions: performance versus industry peers, risk ratio relative to your time horizon, and fees compared to the Canadian industry average. You receive an overall score out of 100, a letter grade, and detailed findings for each dimension.

The Fee Index benchmarks your current advisory fee against the Canadian industry average for your portfolio tier. It shows the annual difference in dollars and projects the compounded 20-year wealth impact of excess fees - making the real, long-term cost of high fees impossible to ignore.

Life's Last Invoice calculates the full cost of settling your estate - federal and provincial taxes on deemed dispositions, executor fees, legal and accounting costs, probate fees, and outstanding debts. It shows your net estate value and the total cost of transferring your wealth, based on British Columbia tax and probate projections.

The No Tomorrow Test maps every major asset and liability to its beneficiary or estate. It identifies what triggers probate, what transfers immediately, and what takes 6-12 months to settle. The result is a structured estate readiness snapshot showing where your plan is solid and where friction exists.