The Financial Viewpoint

The Financial Viewpoint

will accomplish two key objectives:
1) The nature of the questions will help you understand the type of work I do.

2) Your responses will help both of us determine how we should proceed.

Your information will be kept strictly confidential.

Personal Data
Name
E-mail
Address (Res)

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Phone (Res)
Phone (Bus)
Occupation
Age
Martial Status
Spouse/Partner Name
Your information will be kept strictly confidential in accordance with privacy regulations.

My Views

My Views

	Essential	Fairly Important	Of Little Value	Does Not Apply
1. Developing a higher level of wealth is
2. The involvement of my spouse/partner in our financial affairs Is
3. Exchanging some of today's lifestyle for future financial security is
4. Maximizing my tax-deferred savings and investments is
5. Investing in the stock market or mutual funds Is
6. Having an investment portfolio that offers high-growth potential is
7. In my investments, a low risk factor is
8. Understanding how current debt affects my investment choices is
9. Having a worry-free investment plan for the future is
10. If I became disabled, a replacement income would be
11. In my opinion, will planning and having a current will is
12. Paying off loans and mortgages upon my death is
13. My family's ability to maintain their current standard of living upon my death is
14. Protecting the value of my estate from tax erosion is
15. Knowing I won't outlive my retirement income is
16, Long-term retirement income planning is
17. Knowing that my financial professional has a complete understanding of my financial objectives is
18. Assistance from a qualified financiai advisor in planning my financial affairs is

Financial Development

Financial Development

	Yes	No	Unsure	Does Not Apply
1. I know what I want to accomplish financially,
2. My spouse/partner actively participates in our financial affairs,
3. My spouse/partner has a clear understanding of our financial situation.
4. I have fully outlined my financial objectives.
5. My financial plans Include education funding for my children.
6. I am skilled at managing my income and expense flow.
7. I accumulate and build wealth systematically.
8. I have prepared a financial plan with defined short, medium and long-term goals.
9. My spouse/partner and I each have our own long-term financial plans.
10. I allocate a specific percentage of my earnings for wealth development.
11. I understand how debt restructuring can improve my financial choices.
12. I am satisfied with the rate of return on my current wealth development program.
13. I understand how taxation affects the real return on my wealth accumulation.
14. I know how life insurance integrates with my financial plan.
15. I am satisfied with the quality of financial advice and service I currently receive.
16. I would like assistance in reviewing my financial development.

Investment Strategy

Investment Strategy

	Yes	No	Unsure	Does Not Apply
1. My investment strategy includes specific short, medium and long-term goals.
2. My investment portfolio is properly diversified in terms of risk versus return.
3. I have a current asset allocation formula as part of my investment strategy.
4. My investment strategy takes advantage of dollar-cost averaging.
5. My investment portfolio has a good balance between short-term liquidity and long-term growth.
6. Stability in the value of my investments is critical.
7. I know how tax-reduction strategies can improve my overall financial position.
8. My long-range wealth development plans provide for minimization of taxes.
9. I am currently taking maximum advantage of tax-deferred retirement plans.
10. I have accurately projected my retirement income needs and sources of income.
11. I recognize the importance of having a qualified financial advisor.
12. I am satisfied with the advice and service I receive -from my financial advisor.
13. I am accustomed to paying fees for sound financial advice.
14. I would like assistance in reviewing my investment strategy

Lifestyle Protection

Lifestyle Protection

	Yes	No	Unsure	Does Not Apply
1. I know the income I will receive if I am unable to work due to an accident or severe illness.
2. My disability protection continues if I leave my employer.
3. My spouse/partner has adequate income protection coverage.
4. My disability income program covers debt repayments.
5. My current standard of living will continue if I have a severe accident or illness.
6. My income protection coverage has been Increased to keep pace with my earnings.
7. I have adequate long-term care insurance.
8. My spouse/partner has adequate long-term care insurance.
9. I understand the value of critical Illness coverage.
10. My insurance program will maintain my family's lifestyle.
11. My spouse/partner has sufficient life insurance to maintain our family's lifestyle.
12. I have an adequate pension plan.
13. My spouse/partner has an adequate pension plan.
14. Our retirement income will meet the demands of our desired lifestyle.
15. I am prepared to alter today's lifestyle to guarantee future financial security.
16. l am satisfied with my current lifestyle and Income protection.
17. I would like assistance in reviewing my lifestyle protection needs.

Estate Organization

Estate Organization

	Yes	No	Unsure	Does Not Apply
1. I am well informed about the organization of my estate.
2. My will is current and consistent with my estate plans.
3. My spouse/partner has a valid, up-to-date will or trust.
4. I maintain a current list of my assets and liabilities.
5. A guardian has been appointed for our minor children.
6. I maintain a current list of important personal papers and their location.
7. My beneficiary designations are current.
8. My executor understands my will and estate plan.
9. My executor knows the location of important personal papers
10. I have made specific plans to distribute my estate upon my death.
11. I understand how taxes will be applied to my estate.
12. The value of my estate is protected from the effects of "tax erosion".
13. I know what income my family will receive from the after-tax proceeds of my estate.
14. My life insurance program is consistent with the needs of my estate plan.
15. I understand how life insurance can protect my estate from the effects of taxation.
16. I understand how taxes will be applied to the beneficiaries of my retirement benefits.
17. I would like assistance In organizing my estate.

Review Status

Review Status

	More than three years ago	One to Three Years Ago	Less Than One Year Ago
1. My last financial development review was
2. My last investment strategy review was
3. My last lifestyle protection review was
4. My last estate organization review was

Special Requests
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Note: Tax and legal matters should be discussed with a qualified advisor.

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