Portfolio Assessment | iAssure

This 5-minute assessment evaluates your corporate structure and identifies specific opportunities to reduce tax erosion. You'll receive a personalized score (0-100) and priority action plan.

What You'll Discover:

Your Tax Efficiency Score: 0-100 rating based on structure, strategy, and coordination
Specific Gaps: Missing elements costing you tax efficiency (HoldCo, estate freeze, insurance)
Priority Action Plan: Top 5 opportunities ranked by impact
Estimated Savings Potential: Directional estimates based on your answers

Why this matters: Most incorporated owners unknowingly lose hundreds of thousands to tens of millions over their lifetime through structure gaps, tax-inefficient investments, and missing coordination. This assessment identifies those gaps before they compound further.

Privacy & Compliance: This assessment is for educational purposes only and does not constitute personalized advice. Results are illustrative. Your answers are confidential. Mutual funds are offered through WhiteHaven Securities Inc. Insurance is offered through iAssure Inc.

1. Do you have a holding company (HoldCo) structure?

Yes, I have a HoldCo No, I don't have a HoldCo I'm not sure

2. Do you have a family trust?

Yes, I have a family trust No, I don't have a family trust I'm not sure

3. Have you had an estate freeze?

Yes, I've completed an estate freeze No, I haven't done an estate freeze I'm not sure what an estate freeze is

4. Do you buy and sell stocks and/or ETFs in your corporate account?

Yes, I actively trade stocks/ETFs Yes, but I hold positions long-term No, I don't trade stocks/ETFs I don't have a corporate investment account

5. How long do you typically hold investment positions?

Less than 1 year 1-3 years 3-5 years 5+ years I don't actively invest

6. What best describes your corporate investment portfolio allocation?

Mostly cash, GIC, and bonds (75%+) Balanced mix (roughly equal across categories) Mostly stocks/ETFs/equity (75%+) I don't have a corporate investment account

7. Do you hold a whole life or universal life insurance contract in the corporation?

Yes, I have whole life insurance in the corporation Yes, I have universal life insurance in the corporation No, I don't have life insurance in the corporation I have life insurance, but it's personal (not corporate)

8. Have you allocated your corporate portfolio across different purposes?

Consider: lifestyle/retirement extraction, tax-efficient extraction at death, and next generation (stays in corporation)

Yes, I have documented percentages for each purpose Yes, I have a general idea of allocation but not documented I know some should be for different purposes but haven't allocated percentages I haven't thought about allocating the portfolio for different purposes

9. Do you have a long-term extraction strategy that addresses both lifestyle needs and tax-efficient wealth transfer?

Yes, I have a comprehensive plan covering both lifestyle extraction and tax-efficient transfer strategies (including coordination with my CPA/advisor) Yes, I have a plan for lifestyle extraction, but haven't fully planned tax-efficient transfer strategies I have a general idea but haven't documented a complete extraction strategy I haven't developed a long-term extraction strategy

9. Do you have a succession plan for your business?

Yes, I have a formal succession plan Yes, but it's informal/verbal No, I don't have a succession plan Not applicable (I'm not strategy to exit)

11. Do you have an estate strategy?

Yes, I have a comprehensive estate strategy Yes, but it needs updating No, I don't have an estate strategy I'm not sure

12. Do you work with a tax advisor (CPA)?

Yes, I work with a CPA regularly Yes, but only for tax filing No, I don't have a tax advisor I'm not sure if I need one

13. Do you have an investment advisor?

Yes, I work with an investment advisor No, I manage investments myself I'm looking for an investment advisor

14. How often do you change investment advisors?

I've had the same advisor for 5+ years I've had the same advisor for 2-5 years I change advisors every 1-2 years I've changed advisors multiple times in the past year Not applicable (I don't have an advisor)

15. What percentage of your corporate portfolio uses corporate class funds?

Most/all (75%+) Some (25-75%) Few/none (under 25%) I don't know what corporate class funds are

16. Do you know the difference between taxable distributions and capital gains in your corporate portfolio?

Yes, I track this Somewhat No

17. Do you have unrealized capital gains in your corporate portfolio, and do you have a strategy for managing them? (Informational only)

Yes, I have significant unrealized gains and I have a tax-efficient strategy for managing them Yes, I have unrealized gains but I haven't developed a strategy yet I have some unrealized gains but I'm not sure about the tax implications No, or minimal unrealized gains

18. Do you hold foreign currency or foreign investments in your corporate account? (Informational only)

Yes, significant portion Yes, small portion No

19. What prompted you to complete this assessment? (Optional)

Help us understand your specific concerns or questions.

20. If we were to work together, what would you most value? (Optional - select all that apply)

Tax-efficient portfolio structure and coordination with my CPA Long-term extraction strategy (lifestyle and estate transfer) Education and understanding of corporate tax strategies Ongoing portfolio management and optimization Estate strategy and wealth transfer strategies I'm not sure yet - just exploring options

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