Wealth Protection & Risk Audit
A Needs-Based Protection Review.
See Where Your Protection Stands
Many people build their insurance one policy at a time. Over the years, that can leave gaps, overlap, or policies that no longer fit.
The Wealth Protection & Risk Audit looks at your personal, business and estate protection and shows you where it may need attention.
What We Review
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We review the alignment of your existing Wills, Powers of Attorney, buy/sell agreements, and beneficiary designations against your current net worth. We don’t assess their legal validity. Where updates or legal drafting are required, we coordinate with a qualified estate lawyer.
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We model cash flow needs under severe life events to assess lifestyle continuity and goal funding during premature death, critical illness, or disability.
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For business owners, we evaluate corporate risk management, key-person liabilities, buy/sell agreement funding, and how insurance is owned across operating and holding companies, coordinated with your accountant.
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You receive a clear summary detailing immediate risk priorities and secondary exposures to address as your business and wealth grow.
How It Works
Gather. We collect details about your family, business structure, existing personal and group insurance, and estate documents.
Review. We compare your coverage and documents with your needs, and check that policy ownership and beneficiaries still fit your situation.
Recommend. We walk you through what we found and what to address first. If legal drafting is needed, we refer you to a lawyer. Insurance recommendations can be put in place through Fabien Wealth for residents of Alberta and British Columbia.
Insurance services are currently offered to residents of Alberta and British Columbia. If you live elsewhere in Canada, get in touch to discuss your needs. We begin any insurance work only once licensing for your province is in place. Our financial planning services are available across the country.
How We’re Paid
The review is free. If you choose to put recommended insurance in place through Fabien Wealth, the insurance company pays us a commission. That means we benefit financially when you buy.
You’re free to take our findings and act on them anywhere, or not at all. There’s no obligation.
We won’t recommend cancelling or replacing existing coverage without first comparing the options in writing.
Ready to See Where You Stand?
Book a free, no-obligation conversation.
This review is for general planning purposes and is not legal or tax advice. Insurance is provided by Kirby Fabien, licensed in Alberta and British Columbia, and is subject to underwriting approval. Insurance services are currently offered to residents of those provinces. Legal documents such as wills, powers of attorney and buy/sell agreements must be prepared by a qualified lawyer.