1. Are you actively using tax-advantaged accounts such as RRSPs, TFSAs, FHSAs, RESPs, or similar registered accounts where appropriate?

2. Do you understand the difference between tax-deferred, tax-free, and taxable investment accounts?

3. Do you hold investments in non-registered or taxable accounts?

4. Are your investment income types reviewed for tax impact, such as interest, dividends, capital gains, or distributions?

5. Are you incorporated or do you own shares of a private corporation?

6. If incorporated, has your corporate surplus, passive investment income, or retained earnings strategy been reviewed?

7. Has your life insurance, critical illness insurance, or disability coverage been reviewed as part of your broader tax and estate planning structure?

8. Have beneficiary designations, ownership structure, and estate liquidity needs been reviewed?

9. Do you have a retirement income plan that considers different income sources such as RRSP/RRIF, TFSA, non-registered investments, pension, CPP, OAS, or corporate assets?

10. Have you considered how future withdrawals may affect taxable income, government benefits, or estate value?

11. Do your financial advisor, accountant, lawyer, and insurance advisor coordinate around major planning decisions where appropriate?

12. When was your tax-efficiency or wealth-structure strategy last reviewed?