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worksheet - cash flow analysis

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Family Information: HEAD 1 HEAD 2 Name: ______________________________________ Name: _______________________________________________ Date of Birth: __________ SIN: ______________________ Date of Birth: __________ SIN: _______________________ Month /Day/Year. 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. Month/Day/Year. Gender: Male Female Age to Start Post Secondary School: ________________ Gender: Male Female 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. Month/Day/Year. Gender: Male Female Age to Start Post Secondary School: _______________ Gender: Male Female 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 $___________ Ed Madro – Investors Group Financial Services Inc./ B2B Bank Securities Ltd. (403) 220-9654.

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This worksheet will help you see the big picture of your potential retirment lifestyle.

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Page 1: Worksheet - Cash Flow Analysis

Family Information: HEAD 1 HEAD 2

Name: _________________________________________ Name: ___________________________________________________

Date of Birth: ________________ SIN: ______________________ Date of Birth: ________________ SIN: _______________________

Month /Day/Year. 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. Month/Day/Year.

Gender: Male Female

Age to Start Post Secondary School: ___________________________

Gender: Male Female

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. Month/Day/Year.

Gender: Male Female

Age to Start Post Secondary School: __________________________

Gender: Male Female

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.

Page 2: Worksheet - Cash Flow Analysis

Lifestyle Monthly Expenses

Housing Costs

Rent / Mortgage ______________________

Property Taxes ______________________

Insurance ______________________

Utilities / Phone / Internet _______________________

Repairs / Maintenance _______________________

2nd Property _______________________

Total Housing $ _______________________

Groceries $_______________________

Personal

Clothing ______________________

Dining Out ______________________

Gifts ______________________

Hobbies ______________________

Insurance Premiums ______________________

Misc. / Other ______________________

Total Personal

$ ______________________

Entertainment $_______________________

Transportation Costs

Gas / Fuel ______________________

Insurance ______________________

Repairs / Parking ______________________

Other ______________________

Total Transportation $ _______________________

EducationTuition ______________________

Books ______________________

Rent ______________________

Lifestyle Expenses ______________________

Total Education Expenses $_______________________

Tax-Related Monthly Expenses

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.

(Food, Toiletries, Personal items, etc.)

(Movies, T

HEAD 1 HEAD 2 HEAD 1 HEAD 2

EXPENSES

Cash Flow Analysis:

Page 3: Worksheet - Cash Flow Analysis

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.

Page 4: Worksheet - Cash Flow Analysis

HEAD 1 HEAD 2

Pre-Retirement IncomeSalaries $___________

Self Employed $___________

Dividends from Corp. $___________

Rental Income $___________

Alimony/Child Support $___________

Other (Bonuses/Gifts/Inheritance/Misc.) $___________

Pre-Retirement Income

Salaries $___________

Self Employed $___________

Dividends from Corp. $___________

Rental Income $___________

Alimony/Child Support $___________

Other (Bonuses/Gifts/Inheritance/Misc.) $___________

Income in Retirement

Pension/CPP/OAS $___________

Dividends From Corp. $___________

Rental Income $___________

RRIF $___________

Capital Gains $___________

Annuity Income $___________

Other (Bonuses/Gifts/Inheritance/Misc.) $___________

Income in Retirement

Pension/CPP/OAS $___________

Dividends From Corp. $___________

Rental Income $___________

RRIF $___________

Capital Gains $___________

Annuity Income $___________

Other (Bonuses/Gifts/Inheritance/Misc.) $___________

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.

NOTES: WHAT DO YOU WANT TO DO?

Page 5: Worksheet - Cash Flow Analysis

General Investments and Financial Planning______Learning to manage money

______Learning to invest wisely

______Paying off debts/mortgage

______Staying ahead of the cost of living

______Analyzing the asset allocation of my investments

Planning For Emergencies______Developing a financial reserve

______Income protection against death, disability or critical illness

______Surviving possible unemployment

______Insuring my mortgage or other liabilities

Estate Planning______Review my current will and estate plan

______Preserve my estate for beneficiaries

______Charitable Giving

Tax Planning______Reduce my Income Taxes

______Tax Review

Saving for a Major Purchase______Leisure activities (travel, RV, boat, etc.)

______Purchasing a home or cottage

______Purchasing a new vehicle

______Owning my own business

Education Planning______Paying for my child’s/grandchild’s education

______Taking advantage of the Canadian Education Savings Grant

Retirement Planning______Developing a retirement plan

______Retiring early and comfortably

______Ensuring my funds last through retirement

______Maximizing foreign content exposure

______Reviewing my current investment strategies

Other______________________________________________________

______________________________________________________

______________________________________________________

Notes:_____________________________________________________________________________________________________________

_____________________________________________________________________________________________________________

_____________________________________________________________________________________________________________

_____________________________________________________________________________________________________________

_____________________________________________________________________________________________________________

_____________________________________________________________________________________________________________

_____________________________________________________________________________________________________________

_____________________________________________________________________________________________________________

_____________________________________________________________________________________________________________

_____________________________________________________________________________________________________________

_____________________________________________________________________________________________________________

Ed Madro – Investors Group Financial Services Inc./ B2B Bank Securities Ltd. (403) 220-9654.


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