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Gordon and Theresa came in to ask whether they could afford to help their grandchildren with tuition. They left having found roughly $5,000 a year that had been leaking out of the household for six years through a form nobody had ever filed — and a second decision that was about to close for good.

Robert had already decided: he was taking CPP at 61, and he felt guilty about it, because he had read that starting early would cut what Sandra received after he was gone. That part was not true. What was true sat somewhere else entirely.

Winston built the wealth. Yvonne managed everything. When she died, he had a shoebox of statements and no idea where to start. Here's what we found — and what we fixed before it became his children's problem.