Life happens. What happens to everything you’ve built, if no one knows where to look?

    Not lost.
    Just undiscovered.

    The average Canadian estate takes 12+ months and 500 hours to settle — most of it spent searching.
    $1.44B sits unclaimed across 3.4M Canadian accounts.

    Your family deserves a map, not a scavenger hunt.

    Is this estate planning?

    Building for Canadian families — and the advisors who serve them.

    clarife brand mark — the letter C with an orange accent, representing clarity and direction

    Most families are one crisis away
    from financial chaos.

    Because the information they need most was never written down.

    of Canadians have a complete estate plan

    And even fewer have organized the practical map — accounts, contacts, locations — their family would actually need.

    Source: Ipsos (2024) — Canadians and Estate Plans

    of Canadian parents don't have a will

    And among those who do, fewer have shared what they own or where to find it.

    Source: Willful (Oct 2025) — Canadian Parents Estate Planning Study

    average time to fully settle an Ontario estate

    Much of it spent hunting for information.

    Source: ClearEstate (2025) — Ontario Probate Timeline

    Canadians cite unclear documentation as their biggest estate-planning obstacle

    The gap between intention and a plan your family can actually find.

    Source: Edward Jones / Pollara Beyond Wealth (2025), via Wealth Professional

    Not estate planning.
    The financial map that makes everything findable.

    clarife is…
    A Financial Map for Your Family
    A living record of what you own, what you owe, and where everything is
    • A complete family financial inventory including accounts, insurance, incomes, liabilities and key contact in one place
    • A living financial record that stays current as your financial life changes
    • Accessible to trusted family members and your executor, the moment they need it
    • For anyone who owns anything, owes anything, or loves someone, not just wealthy
    • Built in minutes. No lawyer, no financial advisor, no complexity required
    clarife is not…
    Estate Planning or Financial Advice
    Legal strategy for how assets are distributed
    • A Will or Trust are legal documents that decide who gets what
    • Financial advice on how to grow or protect your wealth
    • Tax planning or probate strategy for complex estates
    • Only for the wealthy or only relevant at end of life
    • Something that requires a lawyer or financial advisor to use

    Who clarife serves

    One financial map. Three people who need it.

    You — the owner
    Your complete financial life in one place

    Spot what's missing before it becomes a problem — outdated beneficiaries, scattered bank accounts, undocumented insurance policies.

    Fix gaps today. Leave nothing undiscovered.
    Trusted family
    Access when needed

    Insurance contacts, bank details, location of Will. No months of searching, no guesswork under grief. Act on what doesn't need probate.

    Clarity at the worst possible moment.
    The executor
    A complete estate inventory

    Every account, policy, debt, and income, documented before you need them.

    Settle the estate with confidence, not chaos.

    They wish they had this.

    From families who've been through it — and those getting ahead of it.

    See your financial
    readiness score.

    Answer 7 questions. See exactly where your family stands — and the specific gaps worth closing first.

      Complete the survey to see your actual score →

      Built for the moment
      everything needs to be found.

      Life doesn't come with a playbook for what happens when someone suddenly has to step in and manage everything you've built.

      In those moments, the biggest challenge isn't a lack of assets — it's a lack of clarity. Financial information is often scattered across accounts, documents, emails, and memory. What seems obvious to one person can be incredibly difficult for someone else to piece together. The result is confusion, delays, and unnecessary stress when it matters most.

      clarife is being built to change that.

      We're creating a secure, structured way to organize your financial life into a clear, usable map — so that loved ones, executors, and advisors can find what they need and act with confidence during life's most critical moments.

      We're currently in the early stages of building clarife and working closely with individuals, families, and advisors to understand real-world challenges and design a solution that truly helps.

      If this resonates with you, we'd love for you to be part of the journey.

      Check Your Readiness

      Common myths, answered plainly.

      The reasons people feel prepared — and why those reasons often aren't enough.

      A will tells people who gets your assets — it cannot tell them where those assets are. If your executor doesn't know about a bank account, an RRSP, or a life insurance policy, those assets may never be found or claimed. A will is a legal instruction. It is not a map.
      Beneficiary designations only work if the right people know those accounts exist. If your family doesn't know an account exists, they'll never know to claim it — and those funds can sit unclaimed indefinitely. Your executor and your beneficiaries are often different people, running separate processes. Without a clear picture of what exists, money falls through the cracks.
      Knowing a password gets someone into an account — it doesn't tell them what accounts exist in the first place. If your spouse has never heard of an investment account or an old pension, no password helps. Access is not the same as knowledge.
      Paper gets lost, goes out of date, or simply isn't found when it's needed most. If your family doesn't know which drawer to open — or which version is current — it's as if those notes never existed. Information that isn't findable isn't useful.
      Estate complexity isn't about how much you have — it's about how scattered it is. Someone with three bank accounts, an RRSP, a life insurance policy, and a pension can have a harder-to-settle estate than someone with a single large portfolio. If you own anything, owe anything, or love someone — this matters.
      What if you both pass at the same time? What if your spouse becomes ill before you do? Knowing roughly where things are is not the same as having the account numbers, institutions, and policy details — all under grief, on a deadline. 'My spouse knows' is a plan that depends on your spouse being present and well.
      Banks don't proactively search for or disclose accounts. They respond only to direct, documented requests — and only for accounts they are specifically asked about. If your family doesn't know an account exists, they will never know to ask. Billions in unclaimed assets in Canada exist for exactly this reason.
      You're not alone — most executors start with a list of questions, not a list of accounts. The good news: most of what hasn't surfaced yet is simply undiscovered, waiting in old statements, email inboxes, safe-deposit boxes, and the memories of people close to them. Start with the mailbox (paper and email), the last two years of tax returns, and a written list of every institution they ever mentioned by name — that becomes your map. If you'd like a structured place to capture what you find as you go, clarife is built for exactly this.