OnPoint Private Wealth Coaching
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The Work-Optional Wealth Review

What If Your Portfolio Could Get You There Sooner?

Uncover the potential hiding in your portfolio.

Your portfolio may be growing, but is it helping you create the freedom you're working toward?

Most investors know how their portfolio is performing. Far fewer know whether it's positioned to help them make work optional.

Discover:

  • How much you're paying in fees
  • Whether you're taking unnecessary risk
  • If you're actually on track to make work optional
  • What questions your advisor may not be answering

Free to use · Instant analysis

Your statement is:

  • Read-only
  • Never shared
  • Used only to generate your review
  • No obligation to switch advisors
  • No obligation to move investments

Begin your review

You've worked hard to build your wealth. Now make it work toward your freedom.

You don't need another generic discussion about saving for retirement.

You need a clearer understanding of the investments you've accumulated and how they might support the future you want.

Start with your portfolio. Identify the questions worth answering. Then take the next step toward making work optional.

Get my free Work-Optional Wealth Review

  • We analyse your holdings, balances, fund fees and allocation.
  • Your statement is processed over an encrypted connection and never stored after analysis.
  • Feel free to redact account numbers — we never ask for account credentials or online banking access.
or
Group RRSP statements are not suitable as they don't contain enough data. Please do not upload them.

An educational portfolio analysis is a starting point, not a determination that you can afford to retire. Investment outcomes and retirement timelines depend on your broader financial circumstances and future market conditions.

A means to an end

Your portfolio is a means to an end. What's the end you're working toward?

For many successful Canadians, the goal isn't simply to accumulate a bigger portfolio.

It's to have more choices.

More time with family. More opportunities to travel. The freedom to pursue interests outside work. And the confidence to know that continuing to earn a paycheque is a choice, not a necessity.

Yet it's easy to spend years focused on investment returns without stepping back to ask whether your portfolio is serving that bigger purpose.

That's where a different perspective can help.

Your Wealth Review results shown on a tablet
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01

Your Wealth Review

What will your instant Wealth Review reveal?

1. Could Your Investment Fees Be Keeping You at Work Longer?

Investment fees can quietly reduce the wealth available to fund your future. Uncover the costs reflected in your statements and explore how those fees could affect your portfolio's growth and your timeline to financial freedom.

2. Do You Know What Your Portfolio Is Really Working For?

Understand what you own, how your investments work together, and whether your portfolio is positioned to support your goals. Identify potential overlaps, concentrations and other areas worth a closer look.

3. Could Your Portfolio Be Taking More Risk Than You Need?

Explore the risks within your current investments and whether they're aligned with your goals, retirement timeline and the lifestyle you want to enjoy.

4. Is Your Portfolio Helping You Get Closer to Financial Freedom?

Identify potential inefficiencies, planning gaps and unanswered questions that could be worth exploring — so you can make more informed decisions about your wealth and your future.

Your portfolio should serve your goals. This is a place to start examining how well the pieces fit together.

02

Start with what you own

Your investments tell part of the story. Let's start there.

A portfolio statement can reveal valuable information about your investments. But it can't tell the whole story of when you could afford to stop working.

That depends on more than your portfolio's value. Your desired lifestyle, annual spending, other income sources, pensions, debts, taxes and the number of years your money needs to last all matter.

The Work-Optional Wealth Review helps you examine the investment side of that equation. Once you understand your portfolio, you can take the next step: exploring how your investments fit into a broader plan for financial independence.

How it works

1

Upload your statement

Provide an eligible investment statement so the platform can analyse the available information.

2

Share your work-optional goals

Tell us when you'd like work to become optional, roughly what you have, and what your ideal lifestyle may cost.

3

See your personalised results

Review your portfolio findings alongside your own timeline and lifestyle target — and the key questions that remain.

No need to start by changing investments or moving accounts. Start by understanding what you already own.

Misty dawn over the British Columbia coastline

What Others Discovered Through Their Work-Optional Wealth Review

“

The audit was eye-opening. We identified $412,000 in fees that had been eroding our returns for a decade. Truly indispensable.

Arthur P.

Nanaimo

Priority analysis
“

A sophisticated lens on risk that the retail banks simply do not offer. We rebalanced our portfolio and mitigated $280,000 in unnecessary exposure.

Victoria H.

Burnaby

“

I'd never seen our portfolio translated into real-life outcomes before. The transparency around risk and its impact on our retirement timeline was eye-opening and could help us retire years sooner.

Marcus B.

Anmore

Tyler Hoffman kneeling beside his dog on a lakefront at sunrise

A note from Tyler

Tyler Hoffman, FMA

Founder, OnPoint Private Wealth Coaching

Most investors don't need another investment product. They need clarity.

The goal of this assessment isn't to tell you what to buy. It's to help you understand what you already own and determine whether it's helping you get where you want to go.

Sometimes you'll discover everything is working exactly as it should. Sometimes you'll uncover opportunities worth exploring. Either way, you'll leave with more confidence than you started with.

Tyler is licensed through HUB Financial, one of Canada's leading independent financial services brokerages.

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Frequently asked questions

Upload a statement or enter your holdings, and we calculate your all-in annual cost — fund expense ratios plus any advisory or wrap fees — then compare it against a 0.90% benchmark. Your 25-year projection assumes 7% average annual growth, so you can see precisely what excess fees compound into over a career.