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Worksheet - Cash Flow Analysis
1. Family Information:
HEAD 1
HEAD 2
Name: _________________________________________
Name: ___________________________________________________
Date of Birth: ________________
Date of Birth: ________________
SIN: ______________________
Month /Day/Year.
SIN: _______________________
Month /Day/Year.
Street Address: ____________________________________________
Street Address: ____________________________________________
City:_____________________________________________________
City:_____________________________________________________
Province: ________________Postal Code: _______________________
Province: ________________Postal Code: _______________________
Home Phone: #____________________________________________
Home Phone: #____________________________________________
Occupation: _______________________________________________
Occupation: _______________________________________________
Employer: ________________________________________________
Employer: ________________________________________________
Business Phone: # _________________________________________
Business Phone: # _________________________________________
Children / Dependants
(Persons financially dependent i.e. children, parents, others)
Child Name or Dependant #1: ________________________________
Child Name or Dependant #2: ________________________________
Date of Birth: ______________________________________________
Date of Birth: _____________________________________________
Month/Day/Year.
Gender:
Male
Female
Month/Day/Year.
Gender:
Male
Female
Age to Start Post Secondary School: ___________________________
Age to Start Post Secondary School: __________________________
Education Goal: ___________________________________________
Education Goal: ___________________________________________
Estimated Annual Education cost _____________________________
Estimated Annual Education cost ____________________________
CESG claimed $______________ CESG carry forward $___________
CESG claimed $_____________ CESG carry forward $___________
Child Name or Dependant #3: ________________________________
Child Name or Dependant #4: ________________________________
Date of Birth: ______________________________________________
Date of Birth: ______________________________________________
Month/Day/Year.
Gender:
Male
Female
Month/Day/Year.
Gender:
Male
Female
Age to Start Post Secondary School: __________________________
Age to Start Post Secondary School: __________________________
Education Goal: ___________________________________________
Education Goal: ___________________________________________
Estimated Annual Education cost _____________________________
Estimated Annual Education cost ____________________________
CESG claimed $______________ CESG carry forward $___________
CESG claimed $_____________ CESG carry forward $___________
Professional Advisors
Lawyer: __________________________________________________
Lawyer: _ _________________________________________________
Accountant: _______________________________________________
Accountant: ______________________________________________
Who has your Power of Attorney:______________________________
Who has your Power of Attorney:______________________________
Do you have a Will? ________________________________________
Do you have a Will?_________________________________________
Date Will Last updated: ______________________________________
Date Will Last updated: _____________________________________
Location of Will: ___________________________________________
Location of Will: ___________________________________________
Ed Madro – Investors Group Financial Services Inc./ B2B Bank Securities Ltd. (403) 220-9654.
2. Cash Flow Analysis:
EXPENSES
Lifestyle Monthly Expenses
Housing Costs
Personal
Rent / Mortgage
______________________
Clothing
______________________
Property Taxes
______________________
Dining Out
______________________
Insurance
______________________
Gifts
______________________
Utilities / Phone / Internet
_______________________
Hobbies
______________________
Repairs / Maintenance
_______________________
Insurance Premiums
______________________
Misc. / Other
______________________
2nd Property
_______________________
$ _______________________
Total Housing
Total Personal
$ ______________________
(Food, Toiletries, Personal items, etc.)
$_______________________
Groceries
(Movies, T
$_______________________
Entertainment
Education
Transportation Costs
Tuition
______________________
Gas / Fuel
______________________
Books
______________________
Insurance
______________________
Rent
______________________
Repairs / Parking
______________________
Lifestyle Expenses
______________________
Other
______________________
Total Education Expenses
Total Transportation
$_______________________
$ _______________________
Tax-Related Monthly Expenses
HEAD 1
HEAD 2
HEAD 1
HEAD 2
Charitable Donations
$_______________
$_______________
RPP – Contributions
$_______________
$______________
Medical / Dental Expenses
$_______________
$_______________
Child Care
$_______________
$______________
Regular Monthly Savings
HEAD 1
HEAD 2
Registered Savings
________________
Registered Savings
________________
Non-Registered Savings
________________
Non-Registered Savings
________________
Education Savings Plans
________________
Education Savings Plans
________________
Ed Madro – Investors Group Financial Services Inc./ B2B Bank Securities Ltd. (403) 220-9654.
3. Total
$________________
Total
$________________
Semi-Regular Expenses
I plan to upgrade my automobile every: ________years.
I plan to upgrade my automobile every: ________years.
I usually spend approx. $ ___________ for the upgrade.
I usually spend approx. $ ___________ for the upgrade.
I plan to wait: ________ years before my next car upgrade.
I plan to wait: ________ years before my next car upgrade.
I plan to take vacation every: _________________________.
I plan to take vacation every: ___________________________.
I usually spend approx. $_______________for vacation.
I usually spend approx. $_______________ for vacation.
My next vacation will be: ____________________________.
My next vacation will be: _____________________________.
Major Planned Expense
Description of Expense________________________________
Description of Expense________________________________
I expect to spend approx. $ ___________________ on the item.
I expect to spend approx. $ ___________________ on the item.
Purchase Date or Year _________________
Purchase Date or Year _________________
Start Savings Year _______________________ if available
Start Savings Year _______________________ if available
End Savings Year _______________________ if available
End Savings Year _______________________ If available
Monthly Income:
Ed Madro – Investors Group Financial Services Inc./ B2B Bank Securities Ltd. (403) 220-9654.
4. HEAD 2
HEAD 1
Pre-Retirement Income
Pre-Retirement Income
Salaries
$___________
Self Employed
$___________
Salaries
$___________
Dividends from Corp.
$___________
Self Employed
$___________
Rental Income
$___________
Dividends from Corp.
$___________
Alimony/Child Support
$___________
Rental Income
$___________
Other
$___________
Alimony/Child Support
$___________
Other
$___________
(Bonuses/Gifts/Inheritance/Misc.)
(Bonuses/Gifts/Inheritance/Misc.)
Income in Retirement
Income in Retirement
Pension/CPP/OAS
$___________
Pension/CPP/OAS
$___________
Dividends From Corp.
$___________
Dividends From Corp.
$___________
Rental Income
$___________
Rental Income
$___________
RRIF
$___________
RRIF
$___________
Capital Gains
$___________
Capital Gains
$___________
Annuity Income
$___________
Annuity Income
$___________
Other
$___________
Other
$___________
(Bonuses/Gifts/Inheritance/Misc.)
(Bonuses/Gifts/Inheritance/Misc.)
NOTES: WHAT DO YOU WANT TO DO?
Goals and Concerns Card
To help us clearly understand your current financial situation, please take a moment to read through this list.
Please rank the 3 areas most important to you.
( 1 = Most Important, 3 = Least Important )
Ed Madro – Investors Group Financial Services Inc./ B2B Bank Securities Ltd. (403) 220-9654.
5. General Investments and Financial Planning
Saving for a Major Purchase
______Learning to manage money
______Leisure activities (travel, RV, boat, etc.)
______Learning to invest wisely
______Purchasing a home or cottage
______Paying off debts/mortgage
______Purchasing a new vehicle
______Staying ahead of the cost of living
______Owning my own business
______Analyzing the asset allocation of my investments
Education Planning
Planning For Emergencies
______Paying for my child’s/grandchild’s education
______Developing a financial reserve
______Taking advantage of the Canadian Education Savings Grant
______Income protection against death, disability or critical illness
______Surviving possible unemployment
Retirement Planning
______Insuring my mortgage or other liabilities
______Developing a retirement plan
______Retiring early and comfortably
Estate Planning
______Ensuring my funds last through retirement
______Review my current will and estate plan
______Maximizing foreign content exposure
______Preserve my estate for beneficiaries
______Reviewing my current investment strategies
______Charitable Giving
Other
Tax Planning
______________________________________________________
______Reduce my Income Taxes
______________________________________________________
______Tax Review
______________________________________________________
Notes:
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Ed Madro – Investors Group Financial Services Inc./ B2B Bank Securities Ltd. (403) 220-9654.
6. General Investments and Financial Planning
Saving for a Major Purchase
______Learning to manage money
______Leisure activities (travel, RV, boat, etc.)
______Learning to invest wisely
______Purchasing a home or cottage
______Paying off debts/mortgage
______Purchasing a new vehicle
______Staying ahead of the cost of living
______Owning my own business
______Analyzing the asset allocation of my investments
Education Planning
Planning For Emergencies
______Paying for my child’s/grandchild’s education
______Developing a financial reserve
______Taking advantage of the Canadian Education Savings Grant
______Income protection against death, disability or critical illness
______Surviving possible unemployment
Retirement Planning
______Insuring my mortgage or other liabilities
______Developing a retirement plan
______Retiring early and comfortably
Estate Planning
______Ensuring my funds last through retirement
______Review my current will and estate plan
______Maximizing foreign content exposure
______Preserve my estate for beneficiaries
______Reviewing my current investment strategies
______Charitable Giving
Other
Tax Planning
______________________________________________________
______Reduce my Income Taxes
______________________________________________________
______Tax Review
______________________________________________________
Notes:
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_____________________________________________________________________________________________________________
_____________________________________________________________________________________________________________
_____________________________________________________________________________________________________________
_____________________________________________________________________________________________________________
_____________________________________________________________________________________________________________
_____________________________________________________________________________________________________________
_____________________________________________________________________________________________________________
_____________________________________________________________________________________________________________
_____________________________________________________________________________________________________________
Ed Madro – Investors Group Financial Services Inc./ B2B Bank Securities Ltd. (403) 220-9654.