LLQP Licensed · Calgary, AB

How financially
healthy are you —
really?

"Engineers look for weak points before they become failures. I bring that same systems-thinking to my clients' finances — reviewing every part of the picture before recommending anything." — Christopher Ogbebor, ChrisO Advisory

The Canadian Financial Health Audit reviews 10 areas of your financial life — from cash flow and debt to registered accounts, retirement and protection — and gives you a clear score and prioritized action plan.

Canadian-focused
Educational first
Private by default
No obligation
Get My Financial Health Score Book a Review

Free · Educational · Takes about 10 minutes

Christopher Ogbebor — ChrisO Advisory, Calgary AB

Christopher Ogbebor

Licensed Financial Security Advisor · Former IT Systems Administrator
ChrisO Advisory · Calgary, AB

Canadian-focused
About 10 minutes
Private by default
No obligation
Plain-language approach
What ChrisO Advisory does

Financial clarity across every
part of the picture

Build

Grow your savings
and registered accounts

Helping you make informed use of appropriate registered savings and investment solutions — so your money works as hard as you do.

TFSA RRSP FHSA RESP Retirement savings
Protect

Protect your income,
family and financial plans

Identifying risks that could derail everything you've built — and finding the right level of coverage for your actual situation.

Life insurance Disability Critical illness Income protection
Plan

Understand your financial
health and priorities

Helping you see the full picture — cash flow, debt, emergency savings, registered accounts, retirement — before deciding what to act on.

Financial Health Audit Cash flow Debt awareness Retirement planning
Flagship product

The ChrisO Canadian
Financial Health Audit

In about 10 minutes, get a clearer picture of your overall financial health — across savings, debt, registered accounts, retirement and protection. You'll see your Financial Health Score and a prioritized list of what deserves attention.

Financial Health Score /100
Emergency fund analysis
Registered account opportunities
Debt service indicators
Retirement outlook
Protection gap indicators
Prioritized action plan
Optional complimentary review
Start the Free Audit

Your information remains on your device while completing the workbook. ChrisO Advisory only receives what you choose to share.

ChrisO Advisory Financial Health Audit
Your Financial Health Score
78  / 100
Good standing
Area breakdown
Emergency fund On track
TFSA / RRSP Review
Life protection On track
Retirement outlook Review
Debt exposure Managed
Estate planning Action needed

Why ChrisO Advisory

I think about finances
the way an engineer does

Before becoming a financial advisor, I spent years as an IT Systems Administrator. In that world, you never rely on a single point of failure. You build redundancy. You plan for downtime. You identify weak points before they become failures — not after.

Most Canadians run their financial lives with zero redundancy. A single job change, illness, or life event can expose gaps they didn't know existed. Cash flow, debt, savings, registered accounts, retirement and protection all interact — and most people have never reviewed the full picture at once.

The Financial Health Audit is built on that systems-thinking approach: review everything, identify the weak points, then prioritize what actually deserves attention.

$86K
average gap between what Canadians need in life insurance and what they actually have*
1 in 3
Canadians will be disabled for 90+ days before age 65 — the most valuable asset most people leave unprotected
10 areas
reviewed in the Financial Health Audit — from savings and debt to registered accounts, retirement and protection
Free
Educational, no obligation. The audit is a starting point for a more informed conversation — not a sales pitch

* Source: CLHIA Canadian Life & Health Insurance Facts, 2024 Edition (avg. recommended coverage $595K vs. avg. actual $509K).

Secondary option

Not ready for the full audit?
Take the 3-Minute Protection Check

A shorter assessment focused specifically on life insurance, disability coverage, income protection and employer benefit gaps. Takes under 5 minutes and gives you a protection score with personalized gap analysis.

Life insurance Disability coverage Income protection Estate planning Employer benefit gaps
ChrisO Advisory Protection Check
About you 1 of 10

💡

Your results are ready. Would a plain-language explanation help?

I can walk you through exactly what your gaps mean for someone in your situation — in plain language, no jargon. Takes 30 minutes. No pressure.

0 / 100

Calculating…

Your protection gap analysis

🔒

Your gap analysis is ready

Enter your details to unlock your full breakdown — I'll also send you a personalised copy.

No spam. Used only to send your results and follow up if you'd like.