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Advisor workflow guides

Document and client-file workflows for Canadian advisors

Practical workflow guides for Canadian financial advisors who prepare client files, organize and review documents, compare estimates side by side, and document next steps without exposing private application pages.

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Financial document analysis

Extract, classify, and organize Canadian financial documents into a reviewed client file.

Document intelligence

Prepare a Canadian client file from documents

Before a client meeting, advisors spend hours re-typing figures off statements and slips. This page shows how to upload those Canadian documents, let AI propose the fields, and move only the verified data into the client profile so the meeting starts from a reviewed file.

  • Reads Canadian slips and statements: T4, T5, RL-1, RL-31, RRSP/TFSA/RESP statements, mortgage and insurance documents.
  • Recognizes major institutions such as Desjardins and RBC, with bilingual (FR/EN) document handling.
  • Every field is presented for advisor review with confidence flags; nothing is written to the file until it is approved.

Advisor AI

Finn AI assistant with human review

This page explains how AI-assisted observations can be grounded in a reviewed client file while private data stays inside the authenticated application and the advisor validates every output.

  • Grounds answers in the reviewed client file: extracted documents, estimates, and profile fields.
  • Surfaces missing data and clarifying questions; the advisor keeps human review in the loop on every output.
  • Draft notes are estimates and prompts the advisor validates; Finn does not act on the file or suggest a course of action.

Client discovery

Consolidated client financial portrait

This page shows how an advisor can combine documents, manually reviewed data, and the app's modules into one consolidated financial portrait.

  • Consolidates cross-app data: assets, liabilities, income, savings, insurance, and uploaded documents.
  • Every field can be traced to a source document or a manual entry the advisor reviewed.
  • Organizes the file into a documented portrait; the advisor validates it and the tool suggests no course of action.

Client reporting

Client reports from reviewed data

This page shows how an advisor can turn document data, estimates, and review notes into a structured client deliverable with visible assumptions and disclaimers.

  • Consolidates document data, estimates, and review notes from across the client file into one deliverable.
  • Surfaces visible assumptions, source figures, and disclaimers so the client can see how each number was derived.
  • The report is built from reviewed data; the advisor validates every figure before delivery and the tool suggests no course of action.

Tax and registered-account estimates

Illustrate federal and Québec tax figures and registered-account scenarios from reviewed data.

Québec tax estimates

Quebec and Canadian income tax estimates

This page illustrates a household tax profile and shows how an advisor can compare taxable income, eligible credits, and REER contribution scenarios from reviewed inputs.

  • Combines federal and Québec brackets, surtax, and provincial credits using published CRA and Revenu Québec parameters.
  • Compares scenarios side by side: REER contributions, income timing, and eligible credits.
  • Every figure is an estimate the advisor reviews before it reaches the client file or a report.

Retirement income estimates

REER, CELI, and retirement income estimates

This page shows how an advisor can consolidate registered and non-registered savings, public pensions, and retirement-age assumptions to illustrate income and gaps from reviewed inputs.

  • Handles Canadian account types (REER, CELI, non-registered) and public pensions RPC/RRQ and SV/OAS.
  • Illustrates withdrawal order and decumulation timing from reviewed assumptions.
  • Projected income and gaps are estimates the advisor reviews, not guaranteed outcomes; the tool suggests no course of action.

Education savings

REEE education savings in the household file

This page shows how REEE assumptions, family goals, cash flow, and review notes can be organized into the household file before a client meeting.

  • Illustrates REEE contributions with the SCEE (federal) and IQEE (Québec) education-savings grants.
  • Places education savings in household context alongside mortgage, insurance, and REER priorities.
  • Contribution figures and grant effects are estimates the advisor reviews; the tool suggests no course of action.

Retirement income illustration

Insured annuity income illustration

This page explains the workflow for comparing annuity income, life-insurance cost, liquidity, estate value, and suitability questions from reviewed assumptions.

  • Illustrates after-tax income from a prescribed annuity against the offsetting life-insurance cost.
  • Shows the liquidity and estate-value trade-off, including survivor needs, from reviewed assumptions.
  • Produces an illustration and suitability questions the advisor reviews; the tool quotes nothing, sells nothing, and suggests no course of action.

Debt and cash-flow illustrations

Compare mortgage, loan, property, and household cash-flow estimates side by side.

Mortgage estimates

Mortgage scenario estimates for Canadian files

This page helps an advisor illustrate payment changes, amortization, refinancing, and prepayment estimates with clear assumptions the client can review.

  • Compares renewal, refinance, and prepayment estimates with the amortization schedule side by side.
  • Illustrates a stress-test payment at a higher qualifying rate and the effect on monthly cash flow.
  • Payment and interest figures are estimates the advisor reviews; the tool does not approve or arrange financing.

Loan estimates

Loan amortization and repayment estimates

This page describes how loan details can be organized and reviewed alongside cash flow, mortgage figures, and savings priorities to illustrate repayment estimates.

  • Builds an amortization schedule and compares repayment-order estimates across several debts.
  • Illustrates total interest and the monthly cash-flow effect of accelerated or lump-sum payments.
  • Figures are estimates the advisor reviews; the tool does not arrange credit or suggest a course of action.

Budget and cash flow

Household budget and cash-flow capacity

This page explains how an advisor can organize income, expenses, savings room, and debt commitments to estimate monthly capacity before ranking competing priorities.

  • Estimates monthly cash-flow capacity from organized income, fixed and variable expenses, and debt payments.
  • Ranks competing destinations for the surplus: debt, REER, CELI, REEE, insurance, and emergency fund.
  • Capacity figures are estimates the advisor reviews; the tool does not decide where the money should go.

Real estate estimates

Rental property cash-flow estimates

This page describes how property data can be organized to illustrate cash-flow estimates for the discussion, without publishing addresses, tenants, or owner records.

  • Estimates rental cash flow from rent, mortgage payments, operating costs, vacancy, and municipal and school taxes.
  • Illustrates sensitivity to vacancy, rate, and repair assumptions so the advisor sees the downside.
  • Uses representative figures with no private addresses; estimates are reviewed by the advisor, not a buy or refinance call the tool makes.

Wealth and protection portrait

Organize investment, insurance, and estate data into one reviewed portrait.

Investment review

Portfolio consolidation and review

This page describes how an advisor can consolidate investment holdings, fees, and account context into one view to review allocation and concentration before any decision.

  • Consolidates REER, CELI, non-registered, and employer accounts across institutions such as Questrade and RBC.
  • Surfaces allocation, concentration, fee drag, and tax-location observations from the reviewed holdings.
  • Produces observations the advisor reviews; the tool does not select securities or suggest a course of action.

Insurance needs estimates

Life insurance needs illustration

This page shows how an advisor can document existing coverage, estimated needs, and review notes from a representative case to frame a protection-gap discussion.

  • Estimates a life-coverage gap from mortgage balance, income replacement, and children's education funding.
  • Uses a representative Canadian household; no real client file, addresses, or health data are exposed.
  • Produces an illustration the advisor reviews; it never requests a rate, submits underwriting, or selects a product.

Estate and succession

Estate and succession file preparation

This page explains how an advisor can prepare a succession discussion from a reviewed client portrait without exposing wills, beneficiaries, or private family information.

  • Organizes Canadian estate elements: home, registered accounts (REER, CELI), non-registered holdings, and insurance.
  • Flags estate liquidity gaps and tax-sensitive holdings the advisor reviews before the file goes to a notaire or tax specialist.
  • Prepares and documents the file only; the tool does not draft wills, value the estate, or suggest a course of action.