added bench strength to deliver more for your clientsDeeper Expertise. Stronger relationships.
Integrated estate, tax, insurance and retirement expertise — On your terms, for your clients.
The Real Wealth Check-Up™ lets you bring estate, tax, insurance, and retirement expertise directly to your clients — a complete, coordinated team working under your direction.
Complimentary
for your clients
Completed in as
little as 2 weeks
Fully coordinated —
minimal time from you
You stay at the centre
of every relationship
Why offer the Real Wealth Check-Up™
Your clients trust you.
This is how you deepen that trust.
You’ve built strong relationships with your clients. The Real Wealth Check-Up™ is how you make those relationships even more valuable — by giving your clients access to specialist expertise in estate planning, tax, insurance, and retirement readiness, all working in coordination with you.
Whether you focus on investment management, financial planning, or a combination of both, the Real Wealth Check-Up™ adds depth in the areas that reinforce and extend what you already do. Think of it as a team of specialists you can bring to your clients under your name — on your terms, at no cost to them.
The Real Wealth Check-Up™ is designed to complement your practice, not compete with it. CFG, TAP, and CWM work alongside what you already offer — filling specialist gaps where they exist, and reinforcing your advice where they don’t.
Elevates the value of your client relationships without adding complexity to your practice
Works alongside advisors and PMs of any scope — we fill the specialist depth, you lead the relationship
All findings are shared with you first — you’re always the informed expert in every client conversation
Your RWM™ Coordinator manages the entire process — your involvement is as light or as hands-on as you choose
Clients who receive integrated service have a stronger, more lasting reason to stay with your practice
“The best advisors don’t try to do everything themselves — they make sure their clients have access to the right expertise at every turn. The Real Wealth Check-Up™ is how you make that happen, with your name on it.”
THE REAL WEALTH MANAGEMENT™ PHILOSOPHY
What you’re offering your clients
Four assessments.
One integrated picture.
Each assessment is complimentary, can be offered individually or as a complete bundle, and is always coordinated with you. Together, they give your clients a comprehensive view of their financial life — and give you a powerful reason to have a deeper conversation with every one of them.
Where an assessment uncovers a specific opportunity — a plan that needs updating, returns worth refiling, a coverage adjustment worth making — you and your clients can choose to act on it. Any additional services are scoped and priced transparently before any work begins, and nothing is engaged without your client’s explicit agreement. For billing flexibility, additional services can be invoiced directly to your client or arranged through your practice — whichever works best.
Estate Plan Assessment
A dedicated estate specialist reviews your client’s current documents and structure — confirming what’s working well and identifying opportunities to strengthen their plan as their life and assets continue to evolve.
- Will, POA & beneficiary designation review
- Business succession & trust considerations
- Multi-generational wealth transfer opportunities
3-Year Tax Recovery Audit
Our tax specialists review your client’s last three years of returns with a fresh set of eyes — identifying deductions, credits, and forward-looking planning opportunities that put more of their wealth to work.
- Review of prior 3 years’ personal returns
- Unclaimed deductions & credit opportunities
- Forward-looking tax minimization strategy
Insurance Coverage Review
An insurance specialist reviews your client’s existing coverage to confirm it still fits their current life stage, family situation, and overall financial plan — and surfaces opportunities to strengthen or optimize their protection.
- Life, disability & critical illness review
- Coverage alignment & cost optimization
- Insurance as a tax-efficient estate strategy
Retirement Readiness Analysis
A forward-looking review of where your client stands today versus the retirement they’re planning for — integrating their savings trajectory, income needs, tax efficiency, and estate intentions into one cohesive picture of what’s ahead.
- Retirement income & savings projection
- Tax-efficient drawdown & decumulation strategy
- Integration with estate & protection planning
What your clients experience
Simple, guided, and
introduced by you.
When you introduce the Real Wealth Check-Up™, your clients receive a seamless, coordinated experience — and at every step, it’s clear that this is something you’ve made available to them. You remain the trusted centre of their financial life.
You make the introduction
They meet your specialist team
You receive the findings first
You lead every next step
How it works for you
Easy to introduce.
Powerful for your practice
Getting started takes one conversation with your RWM™ Coordinator. From there, the process is built around your practice — you decide which clients to introduce it to, when, and how.
Connect with your RWM™ Coordinator
One conversation to understand how the Real Wealth Check-Up™ integrates with what you already offer — and how to position it with your clients.
Choose how to introduce it
Whether it’s an annual review conversation, a new client onboarding, or a specific trigger event — your Coordinator will help you identify the right moment and the right framing.
We handle the rest
Scheduling, specialist coordination, and client communications are all managed by your RWM™ Coordinator. You stay informed, without carrying the workload.
Receive the findings — and lead the conversation
Findings come to you first. You review, you debrief, you decide what to action. Any additional services are scoped transparently and only engaged with your client’s explicit agreement — every recommendation flows through your practice.
Our commitment to your practice
We know that introducing a new service to your clients is an act of trust. Here’s what you can count on from CFG, TAP, and CWM every time. Your clients are never solicited directly — every touchpoint flows through you
Clients who receive integrated service have a stronger, more lasting reason to stay with your practice
Findings are shared with you before any client debrief — no surprises
Specialist recommendations are made in coordination with your existing advice — never in conflict with it
Any additional services are scoped and priced transparently — your clients are never surprised, and nothing is engaged without their explicit agreement
The relationship stays yours — from the first assessment to every conversation that follows
2.3×
MORE FINANCIAL ASSETS
Accumulated by professionally advised households over 15 years
1
DEDICATED RWM™ COORDINATOR
Managing every step, so your time and attention stay focused on your clients
Your Real Wealth Management™ Coordinator
One dedicated contact who manages the full Real Wealth Check-Up™ process, keeps you informed at every step, and ensures your clients’ experience reflects the standard of your practice.
The specialist team behind your practice
Three firms. One integrated offering. All working in your corner.
Croft Financial Group
Investment & Portfolio Management
Castlemark Wealth Management
Financial Planning, Estate & Insurance
The Accounting Place
Tax Planning & Accounting
Ready to offer your clients more?
Connect with your RWM™ Coordinator to learn how the Real Wealth Check-Up™ can work alongside your practice — and how to introduce it to your clients on your terms.
LET'S CONNECT! Tell us a bit about yourself and your practice. Your RWM™ Coordinator will follow up personally within one business day.
R N Croft Financial Group Inc. is a Licensed Discretionary Portfolio Management and Investment Fund Management firm.
Real Wealth Management™ and RWM™ are trademarks of R N Croft Financial Group Inc. The Real Wealth Check-Up™ assessments are complimentary and do not constitute financial, tax, or legal advice. Fees may apply for services engaged following the assessment.