How are you doing financially?
Take our quiz to see how you're doing.
Full Name
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Email
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Phone
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How clearly defined is your overall wealth strategy?
I don’t have one
I’ve considered it, but no plan
I have basic financial goals
I have a loosely followed strategy
I have a comprehensive, written plan
How would you rate your level of satisfaction with your financial situation and progress towards your goals?
Extremely dissatisfied
Dissatisfied
Neutral
Satisfied
Extremely satisfied
Where are you at in your financial lifecycle?
I'm spending less than I earn.
I have an emergency fund equal to 3 to 6 months of living expenses.
I've paid off all my debt except for the mortgage on my principal residence and on any rental properties I own.
I'm investing a minimum of 15% of my household income into my retirement portfolio.
I'm saving towards other financial goals (a big trip, vacation home, a child education, etc).
I'm using advanced wealth-building techniques (registered accounts, making my mortgage tax deductible, spousal loans, etc)
Check all that apply.
How actively are you optimizing taxes across income, investments, and withdrawals?
Not at all
I follow standard deductions
I use some basic strategies
I use a few advanced tactics
I work with a specialist for tax efficiency
How prepared are you for unexpected life events (health, legal, career/family)?
Completely unprepared
I rely on savings
I have some insurance or contingencies
I have partial coverage and planning
I’m fully covered and have contingencies
How well do you understand your current net worth and its growth over time?
I don’t track it
I have a rough idea
I’ve calculated it in the past
I update it occasionally
I review it regularly and track changes
How much clarity do you have around your retirement income sources and sustainability?
I’m not sure where income will come from
I expect CPP/OAS + savings
I have retirement savings but no income plan
I’ve done some income planning
I have a full retirement income strategy
How diversified is your investment portfolio?
I’m not invested
I hold a few funds or stocks
I have basic diversification
I hold a broad mix of assets
My portfolio is well-diversified and strategic
Are your investments aligned with your goals, time horizon, and risk tolerance?
Not at all
Not sure
Somewhat
Mostly
Fully aligned and reviewed
How confident are you in your ability to retire with financial independence?
Not confident
Slightly confident
Somewhat confident
Mostly confident
Completely confident
How regularly do you revisit your financial goals and update your plan?
Never
Every few years
Annually
A few times a year
Quarterly or more
Do you have an estate plan (will, POAs, beneficiary review, tax efficiency)?
No estate plan
Only a will
Will + POAs
Mostly complete but outdated
Fully up to date and strategic
How are you managing charitable giving or legacy intentions?
Haven’t considered it
I donate occasionally
I give regularly but ad hoc
I have giving plans in place
I have a structured philanthropic or legacy plan
What level of confidence do you have in your insurance coverage (life, disability, etc)?
I have none
Basic employer coverage
Some personal insurance
Comprehensive but not reviewed
Fully customized, reviewed portfolio
How organized are your financial documents and account access for a spouse or executor?
Completely disorganized
I know where things are
Some items are shared
Mostly accessible and organized
Fully documented and accessible
How efficient is your cash flow structure (income, expenses, savings automation)?
Chaotic or unclear
Somewhat consistent
Mostly balanced
Automated but not optimized
Fully streamlined and optimized
How prepared are you for major lifestyle expenses (e.g. travel, downsizing, health, gifting)?
Not at all
I think about it sometimes
I have basic plans
Most major items are planned
Fully planned and funded
Are you utilizing advanced strategies (holding companies, trusts, tax deferral, etc.)?
Not at all
I’ve heard of some
I’ve started exploring
I’m using some strategies
Fully implemented with advisor input
How do you feel about your ability to navigate a market downturn or recession?
I’d panic
I’d be uncomfortable
I’d stay the course reluctantly
I’m prepared
I’m confident and strategically positioned
How proactive is your financial advisory relationship?
I don’t have an advisor
I rarely speak to them
I meet once a year
I have regular reviews
I have proactive, strategic planning discussions
How well do you know your “retirement number” — the total amount you need saved to retire comfortably?
I have no idea
I’ve heard the term but don’t know mine
I have a rough estimate
I know it fairly well
I know it precisely and track progress regularly
How clearly do you understand the gap between your current savings and your target retirement goal?
I don’t know if there’s a gap
I suspect there might be a gap but haven’t calculated it
I have a rough idea of the gap
I have calculated the gap in detail
I regularly update and actively manage this gap
Based on your savings rate, years to retirement, and expected investment returns, how confident are you that you can bridge the gap in time?
Not confident at all
Somewhat doubtful
Moderately confident
Mostly confident
Very confident and on track
How well do you sleep at night knowing your financial life is under control?
Not well at all
I’m often anxious
I feel okay but unsure
I sleep fairly well
I feel fully confident and secure
Thank you for taking the quiz.
Take me to the results.