Portfolio Diagnostic • No Affiliate Links · Subscription-Funded

Personal Financial Diagnostic & Audit

Audit your balance sheet, detect silent fee leakage, optimize tax shelters, and stress-test your wealth resilience in 10 minutes. Zero product sales pitches.

⚡ Quick Fill Scenario:

Step 1 of 4 • Foundations

Balance Sheet & Cash Flow

Establish your baseline financial cushion, living costs, and debt obligations.

Tax & Account Jurisdiction Framework

Current Age Years

Gross Annual Income Pre-tax ($)

Monthly Living Expenses Rent/Mortgage, Food, Essentials ($)

Liquid Emergency Cash Savings accounts, HISA ($)

High-Interest Consumer Debt Credit cards, lines of credit ($) Debt with interest rates > 8%

Mortgage / Primary Debt Remaining principal ($)

Step 2 of 4 • Investment Audit

Invested Assets & Fee Leakage

Analyze how your wealth is invested and benchmark management fee drag against direct index ETFs.

Total Invested Assets Excluding primary real estate ($)

Current Primary Investment Product

Traditional Mutual Funds Bank branch funds, advisor managed Avg. 2.15% MER

Robo-Advisor Account Wealthsimple, Questwealth, Betterment Avg. 0.65% MER

Self-Directed Index ETFs All-in-one ETFs (e.g. VEQT, XGRO, VTI, BND) Avg. 0.18% MER

Tax-Sheltered Investments ($) TFSA, RRSP, FHSA

Non-Registered / Taxable Account ($)

Step 3 of 4 • Risk & Governance

Asset Allocation & Downside Resilience

Determine your equity/fixed-income split and evaluate how your portfolio withstands market crises.

Asset Mix: Stocks (Equity) vs. Bonds (Fixed Income)

80% Equity / 20% Fixed

Drag to adjust your risk profile (e.g. 100% Equity = Max Growth; 60/40 = Balanced).

Investment Time Horizon Years until withdrawals

Behavioral Reaction to a 35% Market Crash

Step 4 of 4 • Tax Efficiency

Tax Shelter Capacity & Cash Drag

Identify unshielded wealth and quantify the annual tax alpha gained from optimal container sequencing.

Unused Registered Contribution Room ($) Cumulative available TFSA, RRSP, FHSA (or IRA/401k) capacity

Idle / Uninvested Cash in Taxable Accounts ($) Cash beyond your emergency fund earning taxed interest

Diagnostic Completed • Executive Analysis

Your Financial Health Scorecard

An Professional-quality diagnostic assessing balance sheet resilience, fee leakage, and tax efficiency.

76 Out of 100

Strong Foundation with Optimization Gaps

Your emergency buffer and savings habits are solid, but significant wealth is silently leaking through product fees and unused tax room.

🎯 Potential Resilience Score

+18 Pts Achievable

💸 Detected Annual Leak

$1,840 / yr

Intermediary fees & tax drag

⏳ 20-Yr Compounded Loss

$64,800

Total wealth gap vs. Index ETFs

🧪 Interactive Wealth Recovery Simulator

Test Plugging Your Leaks

Check the boxes below to simulate how executing the Executive Dossier blueprints immediately boosts your resilience score and halts your annual wealth bleed:

Eliminate Bank Mutual Fund Fee Drag (Switch to 0.18% Index ETFs) +14 pts • Saves ~65% of fee bleed

Re-sequence Taxable Wealth into Registered Shelters (TFSA / RRSP / FHSA / 401k) +8 pts • Halts tax leakage

Establish 6-Month Emergency Buffer & Codified ±5% Rebalancing Bands +5 pts • Crisis armor

Diagnostic Pillar Breakdown

⚠️ Critical Structural Leaks Detected

Email me my results + the 3 fixes that matter most

Get a private copy of your 6-Pillar Health Score, grade, and prioritized leak remediation plan sent to your inbox.

What's Inside Your 6-Page Executive Dossier

Your personalized, Professional-quality financial charter generated directly from your numbers:

Page 1 • Governance 🔒 Included

Executive Summary & Balance Sheet Radar evidence-based composite letterhead with your 6-pillar score compass and net worth trajectory.

Page 2 • Portfolio 🔒 Included

Asset Allocation & Fee Drag Audit Target ETF model portfolio blueprint (VEQT/VGRO/XEQT) and lifetime fee compounding comparison.

Page 3 • Tax Alpha 🔒 Included

Tax Shelter Waterfall & Priority Sequencing Calculated shelter contribution order across TFSA, RRSP, FHSA, and 401k to maximize tax refund alpha.

Page 4 • Stress Test 🔒 Included

Crisis Stress-Testing & Downside Armor Historical simulation through the 2008 Great Financial Crisis, 2020 COVID crash, and stagflation.

Page 5 • Charter 🔒 Included

Investment Policy Statement (IPS Charter) Formal, signable governance agreement codifying target weights, rebalance bands, and emergency mandates.

Page 6 • Execution 🔒 Included

90-Day Learning & Review Checklist An illustrative model showing how a hypothetical contribution could be split across your target allocation.

Comprehensive Report

Unlock Your Complete 6-Page Executive Dossier

A fee-only financial planner typically charges hundreds to thousands of dollars for a comprehensive plan. This is a self-serve starting point, not a replacement. Unlock your personalized, print-ready Personal Investing Report containing your customized ETF Trade Blueprint, Tax Waterfall Sequencing, and formal Investment Policy Statement (IPS) charter.

View Action Steps →

Conflict-Free Standard

How our diagnostic compares to traditional financial advice.

Most free financial checkups are lead generators designed to sell high-commission mutual funds or expensive insurance policies. Basic Investor is engineered differently.

01 / PRIVACY FIRST

100% Client-Side Privacy

Your balances, income, and debt numbers are calculated in real time in your browser. No bank logins or intrusive tracking.

02 / ZERO COMMISSIONS

Evidence-Based Indexing

Grounded strictly in passive indexing (Bogleheads & Canadian Couch Potato) to eliminate 2% advisory fee drag.

03 / FORMAL GOVERNANCE

Exportable Executive Dossier

Generate formal printouts and PDF Investment Policy Statements to share with your accountant or family.