Finliti® — Behaviour Builds Wealth

Your Wealth Starts With
Knowing Yourself.

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 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.
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
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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
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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
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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
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  • 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
📊 Cash Flow Analysis

Where Does Your
Money Actually Go?

Connect your bank, upload a statement, or use pre-filled Canadian medians. We'll calculate your net cash flow, savings rate vs. the FP Canada benchmark, and show you exactly where your money goes.

Monthly Net Cash Flow
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Enter your income and expenses below
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Gross Income /mo
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Est. Tax /mo
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Total Expenses
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Savings Rate
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🏦 Import Your Actual Numbers
Connect your bank or upload a statement for accurate figures. Or use our pre-filled Canadian median defaults below.
💰 Monthly Income
Total gross household income per month before tax
$
/mo
💡 Enter your income and expenses above to see your personalised cash flow analysis, savings rate benchmark, and where your spending compares to average Canadian household data (Statistics Canada, 2022).
All expense figures are monthly. Canadian benchmark data sourced from Statistics Canada Survey of Household Spending 2022. This is an educational cash flow illustration — not financial advice. Tax estimate uses 2026 CRA average effective rate for the entered income level.
  Net Worth Statement — 2026

What You Own Minus What You Owe.

Your net worth is the single most important number in personal finance. It is the foundation of every financial planning decision — from retirement projections to mortgage qualification, estate planning, business succession, and insurance needs. A growing net worth year over year is the clearest signal that your financial behaviour is working. A declining one, even on a high income, signals a structural problem that must be addressed before any investment strategy can succeed.

📐
Your Baseline
Every projection, savings target, and retirement estimate starts here. Without an accurate net worth you are planning blind.
📊
Your Benchmark
We compare your position to Statistics Canada SFS 2023/2024 data by age group so you know exactly where you stand in Canada.
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Your Score Input
Your asset base and debt position feed directly into your FinlitiWealthIQ Score and shape every recommendation in your financial plan.
My Finances
Net Worth
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📈 Assets $0
📉 Liabilities $0
Total Net Worth
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Enter your figures above
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Total Assets
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Total Liabilities
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Asset / Debt Ratio
← More debtMore assets →
Net Worth Breakdown
Assets Liabilities Net 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.
Net Worth Benchmarks — Where Do You Stand?
Age RangeMedian Net Worth (Canada)Top 25%Top 10%Source
Under 35$48,800$185,000$420,000Stats Can SFS 2023/2024
35–44$234,400$620,000$1,200,000Stats Can SFS 2023/2024
45–54$521,000$1,100,000$2,400,000Stats Can SFS 2023/2024
55–64$690,000$1,600,000$3,500,000Stats Can SFS 2023/2024
65+$543,200$1,300,000$2,900,000Stats 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
🧬 Behavioural Finance

Discover Your
Investor Personality

The Finliti® FIPI (Financial Investor Personality Indicator) assessment identifies your behavioural finance faction — the underlying beliefs, biases, and decision patterns that drive your financial outcomes. Understanding it is the first step to improving it.

Take the Full FIPI Assessment ↗

Opens on Finliti.com. Free. Takes approximately 5 minutes.

The 9 Financial Investor Personality Factions
🔥
The Trailblazer
Element: Fire
Bold, action-oriented investor. High conviction, high risk tolerance. Drives growth but can overextend.
💧
The Diplomat
Element: Water
Harmony-seeking, relationship-driven. Avoids conflict with financial decisions, sometimes at a cost.
💨
The Futurist
Element: Air
Innovation-focused, early adopter. Seeks asymmetric returns. May underweight downside risk.
⭐
The Enigma
Element: Star
Intuitive, independent thinker. Contrarian at heart. Strong pattern recognition; hard to benchmark.
👑
The Emperor
Element: Wind
Control-driven, disciplined executor. Prefers hard assets and direct ownership. Delegation is the challenge.
☀️
The President
Element: Sun
Visionary leader. Builds wealth through people and systems. Governance risk is the blind spot.
🌿
The Rainmaker
Element: Plant
Patient, compounding-focused. Steady accumulator. May be slow to rebalance or exit poor positions.
🌙
The Guru
Element: Moon
Knowledge-driven, research-first. Analysis paralysis is the risk. Deep conviction when conviction forms.
🌍
The Commander
Element: Earth
Grounded, risk-averse planner. Values security above all. May sacrifice return for certainty.
Why Behavioural Profile Matters for Investing
🧠
Behaviour Drives Outcomes
Cirano Institute (2012): advised Canadians accumulated 3.9× more wealth over 15 years than unadvised peers at the same income. The primary driver was behavioural coaching during market volatility — not investment selection.
📉
The Behavioural Gap
DALBAR (2024): the average equity mutual fund returned 9.1% over 20 years. The average equity fund investor earned 5.3% — a 3.8% annual gap driven entirely by poor timing decisions rooted in behavioural biases.
🎯
Personalise Your Strategy
Knowing your FIPI faction lets you build an investment strategy that works with your behavioural tendencies, not against them. A Diplomat needs different guardrails than a Trailblazer — same return target, different architecture.
Take the FIPI Assessment
finliti.com/discover-your-faction Open Full Screen ↗

The FIPI assessment is provided by Finliti® Inc. at finliti.com. By proceeding you agree to Finliti's Terms of Use. The FIPI is for educational and behavioural awareness purposes only and does not constitute investment advice.

Ready to put your profile to work?

Your FIPI faction shapes your investment strategy. The FinlitiWealthIQ Score builds the financial plan around it.

Complete Your Purchase
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This is an educational financial wellness illustration. Not regulated financial advice. Not affiliated with CIRO or FSRA.
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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.

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