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Financial Wellness Assessment — Iberian Pacific

Step 1 · Your Financial Baseline

Financial Wellness Assessment

Plain-English questions, weighted toward cash flow, debt, and protection. Get a 0–100 score, a clear gauge, and a factual checklist.

0 of 0 questions answered

What best describes your monthly cash flow?

Cash flow is foundational to financial health.

I usually have money left over I’m about even most months I’m a bit short some months I’m short most months I’m not sure Use our Cash-Flow Planner

Emergency savings on hand?

Your safety net for unexpected events.

6+ months of expenses 3–6 months 1–3 months Less than 1 month

Do you currently have any debt?

Excluding your mortgage, if applicable. High-interest debt is a primary drain on future wealth.

No Yes

Select all that you have

Credit cards / store cards Line of credit / overdraft Auto loan or lease Student loans Mortgage Other unsecured debt

About what % of take-home goes to debt payments?

Including all loan payments (excluding mortgage). This is your Debt Service Ratio (DSR).

Under 10% (Excellent) 10–20% (Good) 20–35% (Stressed) Over 35% (Critical)

Which personal insurances do you have? (select all)

Protecting yourself and your family from financial catastrophe.

Life Long-term disability Critical illness Home/tenant/auto None of these

Which accounts are you adding to? (select all)

Saving and investing efficiently for your future.

TFSA RRSP FHSA RDSP (if eligible) Employer plan Non-registered / joint None of these

Spending visibility

Knowing where your money goes is key to control and identifying savings opportunities.

I actively track spending I check in sometimes I don’t track it

Estate documents

Planning for the unexpected is fundamental for those you leave behind.

Will & POA are up to date In progress / out of date I don’t have these

Credit utilization ratio

How much of your available credit are you using? Lower is better for your credit score.

Under 30% of limits 30–50% Over 50%

How steady is your income?

Impacts your ability to budget, save, and handle debt payments.

Predictable / steady Sometimes up/down Often up/down (commission/gig work)

Housing costs (as % of take-home)

Rent/mortgage, taxes, utilities, etc. A key indicator of monthly pressure.

Under 25% 25–35% 35–45% Over 45%

Do you have financial dependants?

Those who rely on your income. Impacts insurance needs.

Yes No

About what % of gross income do you save or invest?

Before taxes and deductions. A 15–20% rate is a good goal for retirement.

20% or more 10–20% 5–10% Under 5%

How often do you review or rebalance investments?

Ensuring your portfolio stays aligned with your risk tolerance and goals.

At least once a year Once in a while (ad-hoc) Rarely / never

Tax efficiency

Are you making the most of tax benefits and registered accounts?

Using key deductions/credits Some used Not really

Do you have clear financial goals?

Such as retirement, home ownership, or debt freedom. Goals drive action.

Yes, they are clear and written down Yes, but they are vague or unwritten No, I haven't set any financial goals

Are you actively planning/saving for retirement?

Beyond just employer contributions. Long-term saving is essential.

Yes, actively contributing to personal retirement accounts Only through employer contributions Not currently

How confident are you in your financial knowledge?

Understanding terms and making informed decisions helps you control your future.

Confident, I understand most financial concepts Somewhat confident, I know some basics Not confident, I find it confusing

Please answer all questions for the most accurate assessment.

Your Financial Wellness Score

—/100

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0–49: At risk 50–74: Building 75–100: Resilient

Your Financial Tier: Resilient (Example)

You've established a solid foundation. Focus on maximizing investment efficiency and planning for long-term legacy.

Cash Flow

Debt Load

Savings Rate

Send this assessment to an advisor

Share your results and we’ll reach out to discuss next steps. Get a personalized plan!

Thanks! We’ll be in touch.

Your Priority Checklist

🎯 Your next steps for immediate financial improvement. Tick off items as you complete them!

Next Focus Areas

Goals & Planning

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Financial Literacy

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Iberian Pacific

About Services Contact

604-916-8819

1090 West Georgia Street; Suite 1160
Vancouver, BC V6E 3V7

Authorized distributor of insurance products through Customplan Financial Advisors Inc.

Mutual funds are sold through Monarch Wealth Corporation. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated. Please read the prospectus/fund facts before investing.

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