Worksheet - Cash Flow Analysis
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Worksheet - Cash Flow Analysis

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

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

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