Clarity before Commitment
Most people don’t need another sales pitch. They need an honest answer to one question: Am I on track?
The Compass Financial Assessment is a complimentary, no-obligation evaluation of your financial position — the kind of analysis firms typically charge up to $1,500 for. We offer it freely, because we believe the decision to work with a wealth advisor should begin with evidence, not promises.
Why We Offer This
Choosing a financial advisor — or deciding whether to leave your current one — is one of the most consequential financial decisions you will make. Yet most people are asked to make it based on a conversation, a brochure, and a feeling.
We think you deserve better. The Assessment gives you a clear, documented picture of where you stand: the dangers you may be exposed to, the opportunities you may be missing, and whether your current path actually leads where you want to go.
The worst-case scenario? You validate that you’re doing everything right — and you walk away with confirmation that cost you nothing.
Choose the Assessment That Fits Your Situation
THE CHALLENGE
An inheritance often arrives at the hardest possible time. Between grief, paperwork, and family dynamics, you’re suddenly responsible for decisions involving estate taxes, probate, capital gains on inherited property, and investment accounts you didn’t choose. One misstep — a missed filing, a poorly timed sale, an overlooked tax election — can cost tens of thousands of dollars that never come back.
OUR ASSESSMENT
Our Estate & Inheritance Assessment gives you a clear map before you make a single irreversible decision. We evaluate the tax exposure of the estate, identify deadlines and elections that matter, review inherited portfolios for concentration and suitability, and show you — in plain language — what to do first, what can wait, and what to avoid entirely.
YOU LEAVE WITH
A documented summary of tax exposures, time-sensitive actions, and a prioritized roadmap for the wealth you’ve received or intend to pass on.
THE CHALLENGE
Most people have never had anyone actually run the numbers. They have accounts, pensions, and a rough hope that it will all work out. The question that keeps them up at night — “Will my money last as long as I do?” — goes unanswered for years, until the answer arrives too late to change.
OUR ASSESSMENT
Our Retirement Readiness Assessment stress-tests your actual retirement. We model your income sources — CPP, OAS, workplace pensions, registered and non-registered assets — against the lifestyle you want, and show you whether the math holds. If there’s a shortfall, you’ll see it clearly, with enough runway to fix it. If you’re on track, you’ll finally know it with confidence rather than hope.
YOU LEAVE WITH
A retirement income projection, an assessment of any funding gap, and specific levers available to close it.
THE CHALLENGE
You have a portfolio. You get statements. But do you actually know how much risk you’re carrying, what you’re paying in total fees, and whether your returns justify either? Most investors can’t answer these questions — not because they’re inattentive, but because the industry makes it genuinely difficult to see. Meanwhile, hidden fees compound, concentrated positions grow quietly dangerous, and asset allocation drifts from anything resembling a plan.
OUR ASSESSMENT
Our Portfolio Second Opinion is an independent, evidence-based review of your existing investments — whoever manages them. We analyze your true asset allocation, measure the risk you’re actually taking against the return you’re actually getting, surface every layer of fees, and assess whether the portfolio matches your goals or simply reflects whatever was sold to you over the years.
YOU LEAVE WITH
A written evaluation of your portfolio’s risk, return, cost, and alignment — and an honest answer as to whether a change is warranted.
THE CHALLENGE
The sale of a business is often the single largest financial event of an owner’s life — and the most poorly planned. Exit too quickly and you may trigger avoidable taxes that consume years of hard-won equity. Exit without a plan for the proceeds and you trade a business you understood for a portfolio you don’t. And beneath it all sits the question few owners confront early enough: after the sale, will the capital actually sustain the life I’ve built?
OUR ASSESSMENT
Our Business Transition & Risk Assessment addresses the full arc of an exit. We evaluate tax strategies available before the transaction — including the lifetime capital gains exemption and corporate structuring considerations — model whether the expected proceeds cover your capital needs, identify any shortfall while there’s still time to address it, and design the framework for converting business wealth into durable personal wealth.
YOU LEAVE WITH
A pre-exit readiness summary covering tax strategy, capital sufficiency, and a post-sale wealth framework.
How the Process Works
- A brief conversation. We start with what matters most to you — your goals, your concerns, and the questions you want answered.
- A simple document checklist. Before we meet, we’ll send you a short list of documents to gather. Nothing onerous — just enough to make the analysis real rather than theoretical.
- The assessment meeting. We review your situation together, zooming out to the full picture of your financial life and then focusing on the areas of greatest consequence.
- Your written evaluation. You receive a clear, documented summary of findings — dangers, opportunities, and recommended next steps. It’s yours to keep, whatever you decide.
No Catch. Genuinely.
A typical fee for this level of analysis is up to $1,500. We provide it on an entirely complimentary basis — because we know that choosing an advisor is difficult, change is uncomfortable, and trust must be earned before it is asked for.
If we’re the right fit, you’ll know. If we’re not, you’ll walk away with clarity that most people never get.
“I’d like to personally invite you to seize this excellent opportunity, with no obligations involved!”
HAMED MURAD, CIM
Managing Partner and Portfolio Manager
