Most Canadian families have insurance from one place, investments from another, and a retirement plan they have not looked at in years. This checklist covers the five areas that fall through the cracks when no one is looking at the full picture.
29 items across protection, cash flow, tax strategy, retirement income, and legacy. Score yourself, identify the gaps, and know exactly where to focus next.
Protection
Life insurance, disability coverage, critical illness, and liability gaps that leave your family exposed.
Cash Flow and Accumulation
TFSA, RRSP, RESP, FHSA, and non-registered account strategy. Are you using the right accounts in the right order?
Tax and Debt Strategy
Income splitting, corporate surplus, debt sequencing, and tax-efficient withdrawal planning.
Lifetime Income
CPP timing, OAS optimization, pension bridging, and building income that does not run out.
Legacy
Estate planning, probate avoidance, beneficiary designations, and making sure your wishes are documented.
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Five Ridge Financial Ltd. is a licensed insurance agency based in Alberta, Canada. We help families and business owners build structured financial plans that connect protection, growth, tax efficiency, retirement income, and legacy into one coordinated strategy.