NET WORTH STATEMENT Assets: Liquid Assets Cash and Bank Accounts Short-term Deposits Canada Savings Bonds Investment Assests Term Deposits and GICs Mutual funds Stocks and Bonds Other investment Asssets Retirement Assets Registered Pension Plans Registered Retirement Savings Plans Other Retirement Assets Personal Assets Residence Vehicles Furnishings Other personal Assets Total Assets Liabilities: Short-Term Debts Credit Card Balance (over 30 days) Personal Lines of Credit Installment Loans Other Short-Term Debt Long-Term Debt Mortgage on Personal Residence Loans to Purchase Investment Assets Loans to Purchase Personal Assets Total Liabilities Net Worth (Assets - Liabilities)
$ $ $
$ $ $ $
$ $ $
$ $ $ $ 0
$ $ $ $
$ $ $ 0 0
Total Liabilities
Net Worth (Assets - Liabilit
(ADVANCED) NET WORTH STATEMENT Assets: Deposits Cash and Bank Accounts Short-term Deposits Canada Savings Bonds Taxable Investments Term Deposits and GICs Fixed Income Mutual Funds Bonds and Debentures Rental Real Estate Tax Preferred Investments Equity Mutual Funds Stocks Precious Metals Leveraged Real Estate Tax Deferred Investments Registered Pension Plans Registered Retirement Savings Plans Cash Surrender Value of Life Insurance Non Investment Assets Residence Recreation Property Vehicles Furnishings Other Personal Assets Total Assets Liabilities: Non- Deductible Debt Credit Card Balance (over 30 days) Personal Loans Mortgage on Personal Residence Other Non-Deductible Debt Tax-Deductible Debt Investment Loans Investment Mortgages Total Liabilities Net Worth (Assets - Liabilities) Client Partner Joint
$ $ $
$ $ $ $
$ $ $ $
$ $ $
$ $ $ $ $ 0 0 0 0
$ $ $ $
$ $ 0 0 0 0 0 0 0
0
CASH FLOW STATEMENT JAN Income Employment Income - Client Employment Income - Spouse Investment Income Rental Income Family Allowance, etc. Pension Income Self-employed Other Total Monthly Income Expenses Housing Mortgage or Rental Payments Property Taxes Property Insurance Mortgage Insurance Repairs & Maintenance Other Sub Total Utilities Heat Water Light Telephone Cable TV Other Sub Total Food, Household supplies & Maintenance Groceries & Household Supplies Lawn & Garden Decorating & Painting Furniture & Appliances Pet & Pet Care Household Help Other Sub Total Transportation & Fees Auto Lease or Loan Payments Gasoline & Oil Auto Maintenance & Repairs Auto Insurance & License(s) Public Transportation Other Sub Total Clothing & Accessories Leisure Clothing Business Clothing Footwear Outerwear Clothing Services/Dry-cleaning Other Sub Total Dependent Expenses Child Allowance Child Day Care Child Education Expense Alimony & Child Support Babysitting Family Commitments Other Sub Total Health Care Life & Disability Insurance Dental, Medical, Vision Insurance Extra-billing & Uncovered Expenses Other Sub Total Recreation & Personal Development Family Vacation Club Dues & Membership Fees Hobbies Dining Out Cinema, Theatre, Etc. Entertaining at Home Books & Newspapers FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC YEAR'S TOTAL 0 0 0 0 0 0 0 0 0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Adult Education Programs Luncheons & Pocket Money Personal Grooming Other Sub Total Miscellaneous Christmas & Birthday Gifts Charitable & Church Contributions Political Contributions Other Sub Total Total Expenses Total Monthly Income Cash Flow Before Savings Savings & Debt Reduction Credit Card Payments (over 30 days) Installment Loans RRSP Contributions Investments Education Funding Income Tax & Other Deductions Other Total Savings Income Surplus (Or Deficit)
0
0
0
0
0
0
0
0
0
0
0
0
0 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0 0 0 0 0 0 0 0
Current Adjustments Adjustments Retirement Lifestyle prior to at Lifestyle Expenditures Retirement Retirement Expenditures Savings and Debt Reduction Credit Card Payments Loan Payments RRSP Contributions Savings and Investments Additional Income Taxes Housing Rent/Mortgage Payments Property Taxes and Insurance Repairs and Maintenance Utilities Food and Household Groceries Household Supplies Other Transportation Lease/Loan Payments Gasoline and Oil License and Insurance Repairs and Maintenance Other Clothing and Accessories New Clothing Purchases Clothing Services Other Recreational and Personal Personal Allowances Family Recreation/Hobbies Travel/Holidays Education Memberships and Dues Subscriptions and Books Entertainment/Dining Out Other Miscellaneous Dependent Expenses Life/Disability Insurance Prescriptions, Medical Fees Dental/Vision Care Gifts/Festivities Contributions/Donations Other Total Lifestyle Expenditures 0 0 0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
xpenditures
Retirement Income Analysis Age At Retirement Client Partner Pension Income Client Partner Canada Pension Client Partner Old Age Security Client Partner RRSP Income Client Partner Investment Income Client Partner Earned Income Client Partner Total Income Client 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Partner 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Lifestyle Surplus Expenditures(Shortfall)
Today's Value Cash Money Market Money Market Cash Cash Total Cash Fixed Income Bond Fund Mortgage Fund Income Fund 10.00% 5.00% 5.00% 0.00% 0.00% 10.00% 30.00% 10.00% 10.00% 10.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 30.00% 50.00% 10.00% 10.00% 10.00% 10.00% 10.00% 0.00% 0.00% 0.00% 0.00% 0.00% $ $ $ $ $ $ $ $ $ $ $0 $ $ $ $ $ $ $ $ $ $ $0 $ $ $ $ $0
Desired Value
Change
Action Required
$0 $0 $0 $0 $0
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0
Total Fixed Income Managed Equity Cdn Equity Growth Cdn Equity Value Cdn Small Cap Global Growth Global Value
$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0
Total Managed Equity 50.00% Tangible Assets Natural Resources Precious Metals 0.00% 5.00% $ 5.00% $
$0 $0 $0 $0
#VALUE! #VALUE! #VALUE! $0
Total Tangible Assets 10.00%
Total
100.00%
$0
$0
#VALUE!
$0
CLIENT Capital Required Cash Requirements Last Expense Fund Income Taxes Due Mortgage and Other Loans Education Fund Emergency Fund Total Cash Requirements Income Requirements Monthly Objective Factor to Produce Required Income (see table) Total Income Requirements Total Capital Required Capital Available Cash Available Liquid Assets Investment Assets Retirements Assets Personal Assets to be Sold Total Cash Available Insurance Available Group Life Insurance Mortgage and Loan Insurance Private Life Insurance Total Insurance Available Total Capital Available Additional Capital Required
PARTNER
$ $ $ $ $ 0
$ $ $ $ $ 0
$ #VALUE! 0 0
$ #VALUE! 0 0
$ $ $ $ 0
$ $ $ $ 0
$ $ $ 0 0 0
$ $ $ 0 0 0
Factor to Produce Desired Income
Years Income Must Last 5 10 15 20 Lifetime
Multiply by 50 90 125 150 200