Scorecard by
Ben Lee, CFP®, CCS®
Advice-only financial planner for Canadians in tech
I created this scorecard to help tech professionals understand the key elements of financial planning, assess how well they’re addressing each one, and uncover gaps they may be overlooking.
I hope you find it helpful!
WHAT YOUR SCORE COVERS
See Where You Stand Across Your Complete Financial Picture
Your scorecard evaluates core financial planning areas that work together to shape your financial well-being.
Cash Flow Management
Assess whether you have a cash flow system that helps you stay disciplined with spending, and saving without requiring constant budgeting and tracking.
Retirement & Work-Optional Planning
Learn how well you’re preparing for retirement or making work optional—and what a comprehensive plan should include.
Investment Planning
Learn how well your investments are set up to support your goals—and whether your behaviour helps you stay on track.
Tax Planning
See how well you are addressing key tax-planning decisions, including account prioritization, RSU tax withholding and strategies relevant to your situation.
Financial Protection
Understand which financial risks you and your loved ones should be protected against and how your insurance should be structured.
Corporate/Business Planning
For business owners, understand which areas require proactive planning to turn business success into lasting personal wealth.
What Research Says About
How Financial Planning Can Help
Financial planning is about more than creating projections. Research suggests that professional guidance can support better financial habits, more disciplined investment decisions and greater confidence about the future.
290% More Financial Assets
A Canadian study found that households working with a financial advisor for 15 years or more had 290% more financial assets than otherwise comparable non-advised households.
View the CIRANO research
Up to 3% in Portfolio Return
Vanguard estimates that implementing its full Advisor’s Alpha framework—including financial planning, tax strategies and behavioural coaching—can add up to or even exceed 3% in net returns.
Explore Vanguard’s Advisor’s Alpha research
Better Decision Making
In a 2025 Canadian survey, 79% of people working with a financial professional felt confident they could afford important life milestones, compared with 59% of those without professional support.
What My Financial Planning Clients Say
"Working with Ben gave me a sense of reassurance and calm that I can’t fully describe. The planning helped me understand my options, make decisions with more confidence, and feel more in control of my future. Ben’s work goes far beyond the numbers."
Shawna, ON
"Ben removed the fear from financial planning. I never felt judged, and he helped me build a practical plan that made me feel more confident, in control, and secure about my future.”
Rose, ON