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Confidential Discovery Document

Let's build the full picture of your financial life.

This is the starting point of our planning work together. The more context you can give us here, the more precise and useful your plan will be — but you do not need to have every answer ready today.

01

Fill in what you know

Nothing here is mandatory. Estimates are completely fine and round numbers are genuinely useful.

02

Flag anything unclear

Use the "I have questions about this section" toggle on any section you'd rather walk through together.

03

Save as you go

Your answers are kept in this browser. Use Save & Download to step away and return later.

04

Send it back

When you're ready, download the file and return it to us. We'll complete any blanks together.

A note on security. Please do not type Social Insurance Numbers, full account numbers, or passwords into this document. We only need institution names and approximate values at this stage, and we'll gather anything sensitive through a secure channel. You may attach corporate and trust documents in Section 5; these stay within the file and only reach us when you send it back. Estimated time to complete: 25–45 minutes.
1

About you & your family

Who we're planning for. Include anyone who depends on you financially, now or in the foreseeable future.

Client
Spouse or partner
Leave blank if this doesn't apply to you.
Relationship status
Children & dependents
Add a row for each child or anyone else who relies on you financially (including aging parents or a dependent adult).
Health & circumstances
For example: a recent or expected illness, a disability in the family, a planned move, an inheritance, a business sale, supporting a family member, or a relationship change. Share as much or as little as you're comfortable with.
2

Income & employment

Where your household income comes from today, and any changes you can see on the horizon.

Client - employment
Spouse / partner - employment
Other household income
Rental income, investment income, government benefits (CPP, OAS, child benefit), support payments, trust distributions, or anything else.
Looking ahead
Retirement, a sabbatical, a promotion or job change, selling a business, parental leave, a windfall — anything that would shift your cash flow.
3

Cash flow & spending

A rough sense of what flows out each month. Estimates are completely fine here. We'll refine the detail together.

The big picture
Monthly or annual — just note which below.
Optional breakdown
Only if it's handy. A category-level split helps us pressure-test the plan. Monthly figures.
Major upcoming expenses
Anything sizeable on the horizon — a renovation, a vehicle, tuition, a wedding, a property purchase, a big trip.
For instance: comfortably within means, stretched some months, unsure where it goes, deliberately frugal, recently changed. Whatever rings true.
4

What you own

Your personally-held assets — registered and non-registered accounts, property, private interests, and savings. Anything held through a corporation or trust comes in Section 5. Approximate current values are all we need.

Registered & investment accounts
One row per account — RRSP, Spousal RRSP, TFSA, FHSA, RESP, LIRA / locked-in, RRIF / LIF, DPSP, or a non-registered investment account. Please give the institution name only, not the account number.
Real estate
Principal residence, recreational property, rental or investment property, land. Mortgage details go in the next section. Here we just want the value.
Personally-held business & private interests
Private interests you hold in your own name — a partnership, a joint venture, private-company shares, a limited-partnership unit. Holding companies, operating companies, professional corporations, and trusts are covered in Section 5; please add those there rather than here.
Other significant assets
Vehicles, collections, art, jewellery, equipment, crypto, loans owed to you, expected inheritances. A short list with rough values is perfect.
5

Corporate & trust structures

Many of our clients hold assets through holding companies, operating companies, or trusts. Add each entity below and attach the documents you have — financial statements, T2 or T3 returns, minute book extracts, or trust deeds. Fill in what you know; the documents give us the source of truth.

About attachments. Documents you attach are embedded in this form and travel with it only when you choose Save & Download and send the file back; nothing is uploaded anywhere automatically. Please return the completed file through the secure channel your Helm advisor provides. Attachments are kept with the downloaded file, so save before closing your browser. You can click any attached file's name to re-open it and confirm it's the right one.
Corporations - holding & operating
Add a block for each corporation you have an interest in. Attach its most recent financial statements, T2 return, and minute book / director register where available.
Trusts
Add a block for each trust you've settled, are a trustee of, or are a beneficiary of. Attach the trust deed and the most recent financial statements or T3 return where available.
Additional corporate or trust documents
Anything that doesn't belong to a single entity above — an ownership structure diagram, a family org chart, prior-year returns, or partnership agreements.
6

What you owe

All outstanding debts — mortgages, lines of credit, loans, and card balances. Approximate figures are fine.

Debts & liabilities
One row per debt. If you're not sure of the rate or payment, just leave it blank; the balance is the most important part.
Comfortable, eager to pay it down quickly, uncertain, manageable but watching it — there's no wrong answer.
7

Insurance & risk

The protection already in place if something goes wrong. Include both group/employer coverage and policies you hold individually.

Life, disability & health policies
A row for each policy — life, disability, critical illness, or long-term care.
Other coverage
8

Retirement

How you picture this next chapter, and the pensions and benefits that will help fund it.

Your timeline
The life you're planning for
Where you'll live, travel plans, work you might keep doing, time with family, hobbies, giving. The texture of it helps as much as the numbers.
Pensions & government benefits
9

Estate & legacy

What's in place to protect your wishes and the people you care about. (Alberta terminology is used below.)

Core documents
Beneficiaries, trusts & structures
Relevant if you own a business, professional corporation, or farmland. Even an informal understanding counts.
Legacy & intentions
Causes that matter to you, support for children or grandchildren, keeping property in the family, equal vs. needs-based distribution — whatever you've been thinking about.
10

Goals & priorities

This is the part that matters most. The numbers serve the goals, so tell us what you're actually trying to achieve.

Your goals, by horizon
What matters most
11

Your advisory team

The other professionals in your corner. Helm's role is to build your plan and provide fiduciary governance — including overseeing the portfolio managers and specialists who work alongside you — so it helps us to know who's already involved.

Current professional advisors
Investment management today
A financial plan is a single written strategy that ties your goals, cash flow, investments, taxes, retirement, insurance, and estate together into one coordinated picture. Pieces like an accountant, a tax-filing routine, or an investment account each play a part. A plan is what connects them and gives them a shared direction. The "Informal / partial" option is there if you have some of this but not a complete written strategy.
A family office is a private firm dedicated to coordinating one family's complete financial affairs — investments, tax, estate, and day-to-day administration — under a single roof. It typically serves families with substantial and complex wealth. If you're not certain whether one is involved, answer "No."
12

Anything else

The questions above can't cover everything. This space is yours.

Context you think matters, a past financial experience that shaped you, a question you've been carrying, a decision you're weighing.
How you'd like to work together

That's everything we need to begin.

Thank you for the care you've put into this; it genuinely shapes the quality of the plan we build for you. Whatever you couldn't answer, we'll work through together; blanks are expected, not a problem.

To send it back: click Save & Download below, then return the downloaded file to your Helm advisor. You can also use Print / PDF to keep a copy for yourself.