Completed by. Date. Personal Viewpoint

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1 Completed by Date Personal Viewpoint An overview of your financial development, income protection, life insurance coverage, and estate organization from your point of view.

2 your personal views. A- Essential B- Fairly Important C- Of Little Value D- Does Not Apply My Views 1. Saving and accumulating money regularly is A B C D 2. The involvement of my spouse/ partner in our financial affairs is 3. Having a plan for my retirement is 4. Knowing my projected income in retirement is 5. My ability to enjoy my retirement years without financial worries is 6. Assistance from a qualified professional in planning for my future financial security is 7. If I should ever become disabled, a replacement income would be 8. My spouse/ partner considers a good life insurance program to be 9. In the event of my untimely death, paying off all loans and mortgages would be 10. When I die, my family s ability to maintain its current standard of living is 11. Having a competent financial professional who understands financial products and their proper use is

3 Financial Development 1. I know what I want to accomplish financially. 2. I have fully outlined my financial objectives. 3. I am skilled at managing my income and expense flow. 4. My spouse/ partner actively participates in our financial affairs. 5. I am satisfied with my present rate of savings and investment accumulation. 6. I have projected my retirement income needs and sources. 7. I have my Social Security benefits projected in my retirement plan. 8. I know how tax-deferred retirement plans can be used to my advantage. 9. I know how inflation rates will affect my retirement. 10. I would like assistance in reviewing my financial development.

4 Income Protection 1. In the event of a prolonged disability, I know how long I could survive on my present savings. 2. My spouse/ partner s income is required to meet our present monthly obligations. 3. I have an alternate source of income in the event of an extended disability. 4. I understand the definition of disability in my program. 5. My spouse/ partner has adequate disability income protection. 6. I have full insurance coverage for long-term care costs. 7. I understand the value of critical illness coverage. 8. I have knowledge of income plans that I can t outlive. 9. I would like assistance in reviewing my income protection needs.

5 Life Insurance Coverage 1. I fully understand my life insurance death benefits. 2. My spouse/ partner will have financial peace of mind in the event of my death. 3. I know what income my family will receive from the after-tax proceeds of my estate upon my death. 4. I understand how life insurance products integrate with my long-term financial development. 5. I know how insurance can protect my estate from the negative effects of taxation. 6. I have set up an adequate life insurance program to protect my children s future insurability. 7. I am satisfied with the quality of advice provided by my life insurance professional. 8. I am confident that my life insurance is adequate to sustain my family s standard of living. 9. I would like assistance in reviewing my life insurance coverage.

6 Estate Organization 1. I am well informed about the organization of my estate. 2. My spouse/ partner has a full understanding of our estate. 3. My will is current and consistent with my estate plans. 4. My spouse/ partner has a valid up-to-date will or trust. 5. A guardian has been appointed for our minor children. 6. I understand how taxes will be applied to my estate. 7. The financial needs of my children are protected in my estate. 8. I would like assistance in organizing my estate. Discussion Priorities Financial Development Savings and accumulation Education funding for children Investment Planning Building personal wealth Saving for retirement Pension income funding Life Insurance Coverage Personal Life Insurance Insurance for my spouse/partner Mortgage insurance protection Standard of living update Business life insurance Insurance for my children Income Protection Disability income insurance Mortgage disability coverage Spouse/ partner disability coverage Long-term care insurance Long-term care for my spouse/partner Critical Illness protection Estate Organization Beneficiary arrangements Survivor benefits Planning my estate Tax consideration Estate distribution Personal estate organization

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