Free · Educational · Canadian

The Canadian Financial
Health Audit Workbook

A detailed 10-area workbook you complete at your own pace. Review savings, debt, registered accounts, retirement and protection — and get a prioritized action plan. Best on a laptop or PC.

Get the Free Workbook

Free · About 10 minutes · No obligation · Best on laptop or PC

Canadian tax accounts (TFSA, RRSP, FHSA, RESP)
Savings, debt and cash flow
Retirement and protection
Private — completes on your device
What the audit covers

10 areas of your financial life

Most financial reviews only look at one or two areas. The Financial Health Audit considers how all the pieces interact — because a strength in one area rarely compensates for a gap in another.

Cash flow awareness Income vs. outflows — are you building or treading water?
Savings and emergency fund Do you have an adequate financial buffer?
Debt analysis Interest burden, obligation risk and family exposure
TFSA / RRSP usage Are you using your registered room effectively?
FHSA / RESP opportunities First home or education savings — are you leaving grants unclaimed?
Retirement outlook Projected income, savings gaps and government benefit considerations
Life protection Personal coverage vs. employer coverage — what survives a job change?
Disability / income protection Could you sustain your life for 3–6 months if you couldn't work?
Estate / beneficiary basics Will, power of attorney, beneficiary designations — what's missing?
Critical illness / employer gaps What happens to your coverage if your employer situation changes?
What you get

A clear picture, not more confusion

The audit is educational — it gives you estimates, indicators and starting points, not personalized regulated financial advice. Think of it as a diagnostic tool that helps you and your advisor have a better conversation.

78
Financial Health Score /100 — an overall indicator of where you stand
Priority
areas
A ranked list of the areas that deserve attention first, based on your responses
Action
plan
Concrete next steps for each area — what to look into, review or consider
Area
breakdown
Section-by-section indicators showing what's strong, what needs review and what's a gap
Optional
review
An optional complimentary 30-minute Financial Health Review with Christopher
Private
copy
Your completed workbook stays on your device — you control what you share

The audit uses estimates and indicators, not personalized regulated financial advice. Results are educational starting points — individual circumstances vary. Terms such as "may," "could," "potential gap" and "starting point" are used deliberately.

How it works

Simple, private, free

The audit is delivered as a workbook. You complete it privately — nothing leaves your device unless you choose to share it.

1
Request access
Fill in your name and email below. We'll send the audit workbook to your inbox.
2
Complete privately
Work through the 10-area workbook at your own pace. Your information stays on your device.
3
Review your results
See your Financial Health Score and the areas that most deserve attention.
4
Optionally book a review
If you'd like to discuss your results, book a complimentary 30-minute Financial Health Review.

Get My Free
Financial Health Audit

Enter your details below and we'll send the audit workbook to your inbox. Takes about 10 minutes to complete.

By submitting, you agree to our Privacy Policy. Your information is used to deliver the audit and, if you opted in, send educational content. We do not share your details with third parties for marketing purposes. The marketing email checkbox above is separate from and not required to receive the audit.

Privacy

Your information is yours

The Financial Health Audit workbook runs locally on your device. The numbers you enter stay on your computer — ChrisO Advisory does not receive your financial details unless you choose to send them.

The access form above collects your name, email and optional province and interest only. This is used to send the workbook and, if you opted in, educational follow-up emails.

About ChrisO Advisory

Why an advisor built this

Christopher Ogbebor is a Licensed Financial Security Advisor and former IT Systems Administrator based in Calgary. He built the Financial Health Audit because most financial conversations start with a product, not a diagnosis.

The audit is designed to change that — start with the full picture, identify what actually deserves attention, then decide what (if anything) to do next.