Answer 8 questions. Get a personalised financial health report — built around your life, your structure, and your goals. Free. Takes 10 minutes.
8
Steps
10 min
To complete
PDF
Report included
100%
Free
For educational and illustrative purposes only. The FinlitiWealthIQ Score is not financial advice and is not regulated by CIRO, FSRA, or any provincial securities commission. Always consult a registered advisor before making financial decisions.
Step Zero — Know Where You Stand
Your Net Worth: Assets Minus Everything You Owe.
Before building a plan, you need the baseline. Enter every asset and liability below — individually or as a couple — and we'll calculate your household net worth, asset-to-debt ratio, and tell you exactly where you stand.
My Finances
Net Worth
$0
📈Assets$0
📉Liabilities$0
Partner B
Net Worth
$0
📈Assets$0
📉Liabilities$0
Combined Household
Net Worth
$0
Total Net Worth
$0
Enter your figures above
$0
Total Assets
$0
Total Liabilities
—
Asset / Debt Ratio
← More debtMore assets →
Net Worth Breakdown
AssetsLiabilitiesNet Worth
Net worth = total assets minus total liabilities. Business values are estimates only — formal valuations require a Chartered Business Valuator (CBV). Source: Statistics Canada Survey of Financial Security 2023 for benchmark comparisons.
Couple Financial Planning Insights
Net Worth Benchmarks — Where Do You Stand?
Age Range
Median Net Worth (Canada)
Top 25%
Top 10%
Source
Under 35
$48,800
$185,000
$420,000
Stats Can SFS 2023/2024
35–44
$234,400
$620,000
$1,200,000
Stats Can SFS 2023/2024
45–54
$521,000
$1,100,000
$2,400,000
Stats Can SFS 2023/2024
55–64
$690,000
$1,600,000
$3,500,000
Stats Can SFS 2023/2024
65+
$543,200
$1,300,000
$2,900,000
Stats Can SFS 2023/2024
Couples: approximately double individual medians. Benchmark includes all assets (home equity, pensions, business values).
Now Let's Build Your Complete Financial Plan
Your net worth is the starting point. The 8-step plan below shows you how to grow it, protect it, and — if you're a business owner — structure it to its full potential.
↓ Scroll to the planning wizard below
Step 1 of 8 — Profile12%
1Profile
2Structure
3Assets
4Debt
5Goals
6Risk
7Mindset
8Insurance
📋
Statistics Canada (2023) found that Canadians with a written financial plan have a median net worth 3.9× higher at retirement than those without one. You are already in the top 38% of Canadians simply by starting this.
Who are you, financially?
Your employment type determines which tax strategies and accounts apply to you. Be specific — the difference between employee and professional corporation is worth six figures annually.
🏛️
A Holding Company shelters passive income at 12.5% corporate rate vs. 53.5% personal rate (Ontario). A Family Trust multiplies the Lifetime Capital Gains Exemption — $1,250,000/taxpayer (2026) — across family members. Structure is strategy.
Corporate & Legal Structure
Select all that apply. This shapes every recommendation from accounts to insurance to succession planning.
💼
For business owners: passive income above $50,000/year inside your OpCo reduces your Small Business Deduction (AAII rules, 2018 — unchanged for 2026). At $150K passive, the SBD is fully eliminated — costing ~$50,000/year in extra corporate tax. Every idle dollar above operating needs should have a deliberate home.
Income, Assets & Corporate Position
Both personal and corporate figures are needed for an accurate plan. Round numbers are fine.
Salary + dividends drawn from corp
OpCo net income before tax; 0 if employee
Total corporate surplus accumulated
RRSP + TFSA + non-registered + FHSA
Current fair market value estimate
Key-person, life, DI inside corp
📊
Debt is classified, not condemned. A mortgage at 5.5% against a portfolio earning 7% is productive leverage. A revolving credit card at 19.99% is a guaranteed negative return. We classify each debt position and prescribe a clear paydown sequence accordingly.
Debt Position & Credit Classification
Accurate figures determine the quality of your plan. All data is analysed for strategy — not assessed for judgment.
Outstanding balance — principal residence
Home equity line or leverage for investing
Bank loans, BDC, shareholder loans
Credit cards + personal lines of credit
🎯
For business owners, retirement is not a date — it is a liquidity event. Your LCGE is $1,250,000/taxpayer (2026) and can be multiplied through a family trust. The year you sell matters as much as the price. Plan the exit before the exit plans you.
Goals & Priorities
Drag to reorder, or use the arrow buttons to rank your goals. Your top 3 drive the entire strategy. The ranking is saved and appears in your report.
↕Drag goals up or down to reorder, or tap the ▲ ▼ arrows. Your top 3 receive the highest planning priority.
Add a Custom Goal
Your ranked goals are: Retirement · Mortgage · Business Exit
📈
For business owners, your operating company is likely 60–90% of your net worth. Your personal investment portfolio should diversify away from that concentration risk — not amplify it. A more conservative personal portfolio often makes sense even for growth-oriented owners.
Risk Profile
This applies to your personal investable portfolio only — separate from your business. Accurate calibration ensures your portfolio complements, not compounds, your existing risk.
Cirano Institute (2012) research across 3,610 Canadian households found that financial behaviour accounts for more of the wealth outcome than financial knowledge. Identifying your beliefs is the first correction. These are diagnostic — not judgmental.
Financial Beliefs Audit
Select any beliefs that reflect your current thinking. We will reframe each one with evidence in your report.
💳
"All debt is dangerous"
I want to eliminate all debt regardless of the interest rate
📉
"Markets are gambling"
I prefer GICs and cash due to volatility concerns
⏳
"I've left it too late"
I feel too far behind to make a meaningful difference
🏠
"Real estate always wins"
I concentrate wealth in property over financial assets
🏢
"Keep it all in the corp"
I've never extracted surplus — it feels wrong to take money out
📆
"The sale funds everything"
My business exit is my complete retirement strategy
📑
"Minimise tax at all costs"
I make decisions primarily to reduce tax, sometimes at a net cost
🔧
"I can do this myself"
Professional financial advice feels unnecessary or too expensive
🛡️
Insurance serves four distinct roles for business owners: personal income protection, business continuity, shareholder buyout funding, and tax-sheltered investment through permanent life inside HoldCo. The CDA (Capital Dividend Account) credit allows corporate death benefits to flow to shareholders tax-free.
Insurance Coverage Assessment
Both personal and corporate coverage. Getting this right is compounding. Getting it wrong is catastrophic.
Term + permanent, personally held
Key-person or permanent UL inside corp
Funds shareholder agreement on death/disability
Protects business value on loss of owner
📊
Your Financial Health Report Is Ready
Enter your name and email to receive your Finliti® WealthIQ Score summary — including your financial health score, benchmark analysis, projection charts, and a full PDF summary.
Which report would you like?
Individual Report
My personal score & plan
Couple's Report
Combined household PDF
Your information is never sold or shared. By submitting you agree to receive your Finliti® wellness summary. Unsubscribe anytime. Educational purposes only — not financial advice.
✅
Report delivered!
Your personalised WealthIQ report has been sent to . A PDF copy is available below.
Simple, Transparent Pricing
Your first plan is always free. Built for every stage of the journey.
Finliti® WealthIQ is built for Canadians who take their finances seriously. No subscription required to start. Pay only when you need more. And if you run a registered dealership — we built something for you too.
Starter
Free Plan
Always Free
Your first complete financial health report — no credit card, no commitment.
1 complete financial plan
Net worth calculator
Full 8-step wizard
Health score + report card
PDF report delivered by email
Benchmark analysis
Save & revisit plans
Couple's blended view
Priority email support
Pay As You Go
Single Plan
$10/ plan
Each additional plan after your free one. Update your situation, model a major life event, or plan for a partner.
1 additional financial plan
Everything in Free
Couple's blended view
Saved plan history
Priority email support
Scenario comparison
Monthly refresh
Unlimited plans
Monthly
Pro Monthly
$100/ month
Up to 20 plans per month. Perfect for households revisiting their plan quarterly, or advisors running client illustrations.
20 plans per month
Everything in Single Plan
Monthly auto-refresh
Full plan archive
Advisor-shareable links
Priority support
Unlimited plans
Lifetime
Unlimited Forever
$10,000
One payment. Unlimited plans. Every future feature. Founding member status and direct product input.
Unlimited plans — forever
Every future feature included
Founding member badge
Direct product roadmap input
White-label PDF option
Dedicated support line
API access (coming 2026)
Enterprise
Your Brokerage Brand
Custom Pricing
A white-labelled FinlitiWealthIQ Score built for your CIRO-registered independent dealer — your brand, your compliance workflow, your clients.
White-label branding
CIRO-compliant disclosures
CRM & back-office integration
Advisor dashboard access
Dedicated onboarding
Custom data fields
SLA & support agreement
Compliance-reviewed copy
All payments are processed securely via Stripe. We do not store card details. Plans are non-refundable once generated. The FinlitiWealthIQ Score is an educational illustration — not regulated financial advice. Not affiliated with CIRO, FSRA, or any provincial regulator. For enterprise and white-label inquiries: hello@finliti.com
Complete Your Purchase
Single Report — $10
PlanSingle Report
Applicable taxesCalculated at checkout
Total today$10.00
This is an educational financial wellness illustration. Not regulated financial advice. Not affiliated with CIRO or FSRA.
Your assessment has been activated. A receipt has been sent to your email.
Enterprise — Registered Dealer Inquiry
For CIRO-registered independent dealers. Finliti® will build a white-labelled FinlitiWealthIQ Score under your firm's brand, with compliance-reviewed copy designed to align with your regulatory obligations under applicable CIRO rules and provincial securities legislation.
By submitting you consent to Finliti Inc. contacting you about enterprise pricing. Handled per PIPEDA and our Privacy Policy at finliti.com/terms-of-use.
📋
Inquiry Received
A member of the Finliti® enterprise team will contact you within 2 business days to discuss your firm's requirements and a custom pricing proposal.