XYZ Wealth Management Progress Review Meeting with THE

XYZ Wealth Management Progress Review Meeting with THE

XYZ Wealth Management Progress Review Meeting with THE JANSSEN FAMILY Prepared by: Joe Advisor Progress review meeting agenda Changes were making to serve you better Wealth management discussion Review and discuss your investment costs Matters youd like to discuss Were making changes to serve you better Enhancing our statements and client reports Increased information on fees and performance Launching January 2017 At XYZ Wealth Management, we take a different approach to wealth Were committed to helping you: Build and protect your wealth and lifestyle

Plan for the expected and unexpected Providing you peace of mind Establish and protect your legacy Our process for providing comprehensive advice ER N TH IO GA MAT OR INF YO MON UR I PR TOR OG RE SS IDENTIFY YOUR NEEDS AND OBJECTIVES PR AN EPAR ALY E SIS NT ME N PLE LA IM UR P YO DEVELOP A WRITTEN

PLAN OF ACTION Client Storyboard for the Janssen Family GOALS Retire debt free by 65 RELATIONSHIPS Son, Karl 24 Daughter, Francesca 18 Spend more time with family Travel 2x per year Pay for Francescas education CONTINGENCY PLANNING Both have whole life $500,000 Mortgage and disability insured Both parents approaching 90s Will and POA docs up to date No emergency fund ASSETS DEBT Mortgage balance: $273,000 Phil RRSP: $334,000 Eva RRSP: $194,875 Joint Account: $27,450

INCOME RESP: $19,750 Phil Salary: $85,000 House: $420,000 Eva Salary: $64,400 Dividends from investments Joint line of credit: $25,000 Phils car balance: $12,000 Your Progress Report Phil Janssen Eva Janssen Establish goals and financial plan Mortgage & debt analysis Retirement planning Cash flow projections Service and communication Challenges Retire debt free by 65 Aging parents require

elder- Maximize RESP contributions Set up emergency fund Financial Management Retirement Planning SERVICE Top Priorities STATUS Initial discovery meeting completed 02.15.2000 Reviewed semiannually On track to have mortgage paid off by 2020 Retirement plan and cash flow forecast completed 07.03.2013 Service agreement created 02.17.2012 Next phase of financial plan Tax Planning care housing Francesca looking at colleges in US increased costs Protection

Legacy Planning SERVICE STATUS SERVICE DETAILS & STATUS Tax mitigation Tax mitigation through hold co since April 2006 Life insurance Whole life policy for both - $500k on 03.15.2000 Tax return coordination Joint filing through Accountant, James Jones since - April 2006 Critical illness & disability Mortgage protection set up 04.10.2000 Tax optimization Non -registered account using Corporate class

Wills and POA Completed by Anderson Smith Law firm - 04.06.2009 Business tax planning Tax filing through Accountant, James Jones since - April 2006 Business succession planning Completed 09.15.2010 Risk protection Portfolio analysis and automatic rebalancing in place to minimize risk Review of your investment costs Management Fees Tiered management fee (net of reductions) Mandate Classification Management Fee $250,000 to

$500,000 inclusive $500,000 to $1 million inclusive $1 million to $3 million inclusive $3 million to $5 million inclusive Amounts over $5 million Money Market 0.55% 0.500% 0.425% 0.350% 0.325% 0.300% Income*

0.55% 0.525% 0.450% 0.400% 0.350% 0.300% Diversified Income/Balanced 0.85% 0.750% 0.600% 0.550% 0.500% 0.400% Equity 0.95% 0.900% 0.750% 0.650% 0.600%

0.500% Dealer and Advisor Fees 1.00% Review of your investment costs This example is based on a typical retail equity mutual fund in Canada with MER calculated in accordance with National Instrument 81-102. Mutual Funds in Canada may have slightly different breakdowns due to management fee rates, cost structure and operating efficiency. This example is for illustrative purposes only. Review of your investment costs $___________ invested with an MER of _____% = $________ per year CI Investments $_________________ Advisor Dealership $_________________ Advisor & Team $_________________ Services Provided Portfolio Managers and Analysts Sales Taxes Client Services and Administrative Support Compliance Statements and Reports Access to Wealth Management Experts

Wealth and Financial Planning Coaching and Advice Ongoing Monitoring and Tracking Review of your investment costs MERS - the Industry Range 3.52 % 2.00 % x 0.96% Low High Adapted from: The Costs and Benefits of Financial Advice - Forester, Linnainmaa, Melzer, Previtero Our Wealth Management Services At XYZ Wealth, were committed to providing you with an unrivaled wealth management experience. Our team is dedicated to building relationships that expand beyond your investments and providing you with personalized solutions. We offer a wide range of services coupled with a first-class client experience. As part of the fees we charge, you are entitled to the following services and value-adds: Financial Management Asset Management Tax Planning Mortgage & debt analysis Portfolio/pension analysis

Cash flow analysis Diversified product offering Tax return coordination Critical illness & disability Cash flow projection Retirement/education/ savings In-depth personal tax planning Long-term care insurance RRSP/leverage loans Repositioning/rebalancing Business tax planning Asset allocation to reduce risk Establish financial goals Maximizing risk-adjusted returns Tax minimization strategies Review of money managers Retirement Planning

Legacy Planning Tax analysis Risk Management Life Planning Life Insurance Client Experience Retirement income analysis Estate planning analysis Eldercare issues Deep client discovery Assessment of objectives Wills and POA Workplace transitions Behavioural management Retirement expenses analysis Charitable giving Healthy living Regular status reports Retirement cash flow projection

Business succession planning Referral to other professionals Tailored communication Retirement education sessions Access to legal network Other non-financial advice Proactive problem resolution How I can add more value Intergenerational wealth meetings Images: iStock Access to other experts Support during life transition events Matters youd like to discuss Image: iStock by Getty

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