1. Robert T. Anderson, Financial Security Advisor
Cell: 519-860-4223 Email: rob.t.anderson@f55f.com
FINANCIAL PLANNING PROCESS
1. Introduction
- Who I am
- What I do
2. Understand Situation
3. Determine Goals & Objectives
4. Review Investment and Risk Management
5. Present Financial Security Plan
6. Present Analysis and Go-Forward Strategy
7. Implement Plan
8. Annual Review and Monitoring

2. Robert T. Anderson, Financial Security Advisor
Cell: 519-860-4223 Email: rob.t.anderson@f55f.com
Financial Planning Overview
I work with my clients to create a financial security plan that addresses their
concerns in four key areas: financial security at death, living benefits, liquidity and
retirement. Their financial security plan will be tailored to their needs, risk
tolerance and the goals they want to achieve.
Cash Flow and Debt Management
My financial planning process will involve an analysis of your current cash flow and
debt levels through a comprehensive budget review. I will make recommendations
on how you can make the most effective and efficient use of your cash, expenses and
what you can do to best structure your debt and most effectively pay it down.
Investment Services
I pride my practice on my commitment to a proven process. Before ever making any
investment, I first work with clients to develop a complete understanding of their
financial position, concerns, tax position, goals & objectives and estate planning. I
then work with my clients to help them determine their financial goals and
objectives in short, medium and long term. I create a financial forecaster assessment
that quantifies my clients ability to meet their goals and objectives given their
current financial realities with varying growth assumptions. I believe this is an
important tool in determining how much risk NOT to take and establishes baseline
investment parameters. I believe this holistic approach allows me to make unique
and tailored investment recommendations.
Risk Management
In most cases, the ability of my clients to achieve their intended financial objectives
relies on their ability to earn an income. I work with my clients to help ensure the
sustainability of income in the event of a disability or critical illness. Using an
innovative array of products designed for families, business owners and
professionals. I can help mitigate the financial impact in the event of an unexpected
medical event.

3. Robert T. Anderson, Financial Security Advisor
Cell: 519-860-4223 Email: rob.t.anderson@f55f.com
Estate Planning
I work with families, business owners and professionals to build an estate plan to
help ensure their financial matters are distributed the way they would like them to
be after their death. It can also help reduce taxes, so more of the estate is left for
heirs.
Insurance Solutions
Unexpected events can leave your family without the cash flow needed for day-to-
day expenses. I offer a range of products that can provide temporary or permanent
coverage to replace your income, fund expenditures that arise due to a death (ie.
taxes or final expenses). I can help determine your needs and decide which
insurance product solution is best for you.
However, there are other features of life insurance that benefit families, business
owners and professionals depending upon their current and long term financial
positions. I provide three basic insurance solutions to my clients.
- Insurance needs over time
- Alternative investment vehicle for fixed income
- A strategy for corporate asset efficiency
1. Temporary and permanent needs over time
Life insurance meets different needs at different stages of your life. You should
update your coverage to reflect important events in your life.
2. Insurance as an alternative investment asset class for taxable fixed income
The major advantage of using life insurance (permanent participating) as an
alternative asset class is:
- Tax advantage on growth
- Low fees
- Asset protection
- Estate tax reduction
- Stable yields
Tax advantage life insurance products are structured such that a certain amount of
life insurance is purchased to ensure that the policy will qualify under the MTAR
rules and therefore remain an exempt policy, while at the same time providing the
maximum amount of tax advantage income accumulation.
Depending upon client circumstances, funds can either be used to provide an
income stream during their lifetime (living benefits) or enhance the value of their
estate upon their death.

4. Robert T. Anderson, Financial Security Advisor
Cell: 519-860-4223 Email: rob.t.anderson@f55f.com
3. A strategy for corporate asset efficiency
Save it – Redirect your company’s excess cash from taxable investments to tax
advantaged permanent insurance. Growth inside the policy is not eroded by income
tax, within prescribed limits. Save on taxes to keep more money working for you.
Spend it – Access the policy’s accumulated cash value by using the policy as
collateral for a line of credit. Use loan advances to provide your business or yourself
with a stream of income.
Leave it – At death, the policy’s death benefit pays off the loan. The full death benefit
payable to your company (less adjusted cost basis, if any) is eligible for distribution
to shareholders – including your successors or heirs – as tax-free dividends.
The Team Behind Your Financial Security Plan
I’m supported by a team of specialists in:
- Retirement and investment - Living benefits
- Life insurance - Employee benefits
- Banking and mortgages - Tax and estate planning