PDF checklist
How much protection does our family need?
Family Protection Checklist
Review income, dependants, debts, existing life insurance and important family records.
Open PDFCHECKLISTS AND GUIDES
What would you like to sort out?
Choose the question closest to yours. Each guide gives you a place to start, whether you’re checking existing coverage, weighing up company money or preparing your family for what comes next.
Use the worksheets privately. Mark what needs attention, then bring me the question you’d like help with.
20 guides and checklists. Most PDFs open without a form.
Family, home and income
What would keep your household going if life changed?
PDF checklist
What does our mortgage coverage actually protect?
Mortgage Protection Decision Checklist
Compare who receives the mortgage insurance benefit, what is covered and what happens if your mortgage changes.
Open PDFPDF checklist
What if my income stops?
What Happens If Your Income Stops
Compare household bills with savings, workplace benefits and insurance. Identify the gap you still need to check.
Open PDFPDF checklist
What should we discuss before getting married?
Marriage, Money and Protection Checklist
Work through assets, debts, careers, caregiving and protection before taking questions to your own lawyers.
Open PDFRequest by email
How much of my income supports future choices?
Income Retention Checkup
Review how income supports your life today and your plans for later. This emailed Checkup requires email confirmation and does not subscribe you to MoneyTrends.
Request the CheckupBusiness protection and company money
Compare the options before choosing how to fund a need.
Interactive guide
What should I do with money in my corporation?
Retained Earnings and Retirement
Compare reserves, withdrawals, investing inside or outside the company and retirement choices.
Explore the guideInteractive guide
What would fund a partner’s buyout?
Buy-Sell Funding
Compare cash reserves, borrowing, instalments and insurance for covered events.
Explore the guideInteractive guide
What if a key person is away?
Key Person Protection
Identify the dependency, the cost of an absence and the role of backup people, reserves and coverage.
Explore the guideInteractive guide
Who owns the policy, and where would the money go?
Corporate Insurance
Review the purpose, ownership, beneficiary, lender claims and access-to-cash tradeoffs.
Explore the guideInteractive guide
What keeps home and business bills paid?
Disability and Business Overhead
Separate personal income needs from eligible business expenses and compare coverage with reserves.
Explore the guideInteractive guide
What benefits can my small team afford?
Group Benefits
Compare eligibility, insured coverage, spending accounts, cost sharing and renewal questions.
Explore the guideInteractive guide
Who keeps things moving when I step back?
Succession and Continuity
Explore an unexpected absence, family succession, a management buyout or an outside sale.
Explore the guideComparison guide
What are the different ways to leave a business?
Business Transition Options
Compare transfer, sale and closure paths, with readiness questions and documented Canadian examples.
Explore the guidePDF questionnaire
Could the business keep working without me?
Business Continuity and Owner Protection Questionnaire
Review the people, cash, records and agreements your business relies on. Choose what needs attention first.
Open PDFProfessional income and practice needs
Bring personal, practice and company questions into the same review.
PDF questionnaire
Does my protection fit the work I do now?
Professional Financial Resilience Questionnaire
Review income dependence, disability coverage, benefits, practice obligations, corporate decisions and future plans. For detailed comparisons, use the business guides above.
Open PDFRetirement, estate and care
Look at the income you need and the information your family may need.
PDF review
Will our retirement income hold up?
Retirement Income Risk Review
Check spending, reserves, market assumptions, inflation, care costs and the survivor’s income.
Open PDFPDF questionnaire
How do our retirement and estate decisions fit together?
Retirement Income and Estate Readiness Questionnaire
Review income from RRSPs, RRIFs and TFSAs, withdrawals, access to cash, beneficiaries and the people who may need to act.
Open PDFPDF checklist
What might our will leave unresolved?
Is Your Will Enough?
Review seven gaps around decision-making authority, records, beneficiaries, available cash and family instructions.
Open PDFPDF checklist
What would I want my family to know if I needed care?
Dementia Family Wishes and Care Checklist
Record the routines, preferences and conversations that could help your family. This is a discussion tool, not a legal document or clinical care guide.
Open PDFIdentity and personal information
Know what to check and whom to contact when something looks wrong.
PDF checklist
What should I check after an unexpected alert?
Identity Protection Checklist
Review warning signs, accounts, documents, credit and recovery records. If fraud is happening now, contact the affected institution promptly.
Open PDFNo matching guide. Try a shorter phrase, browse the topics or send me your question.
FACTS VS FEAR
Health care and help with daily living are different needs.
This cartoon offers a starting point for a family conversation about care.
A QUESTION AFTER READING?
Tell me what you’d like to understand.
Mention the guide you read and the decision you’re facing. We can start with that and decide what would be useful to review.
416-716-4675 · david@davidseemungal.ca
Please leave out policy numbers, medical records and other sensitive details. You don’t need to send a completed worksheet to begin.