Financial Organization Cash Flow Debt and Credit Management Major Expense Growing my wealth Protecting my money Addressing Taxes

I want a better rate of return I want to understand the consequences of my decisions regarding my other goals I want to enjoy more of the things in life I value I want advice for a decision I need to make in the near future. I am not looking for long term advice I want a process to better understand and navigate my finances I want to learn how to manage my finances without a professional I want an advisor who will work with me long-term I want an advisor who is friendly and pleasant I want to see my advisor more than once a year I want my advisor to explain the problems and solutions in a way I can understand I want an advisor who will analyze my portfolio with a variety of metrics like standard deviation, beta etc. I want an advisor who will provide me with a comprehensive plan on spending, retirement, insurance, investments, and legacy I want someone to analyze my spending and help me understand where it is going I want to understand everything I already own, what they are for, and when to use I am very knowledgeable and I expect my advisor to implement what I want without questioning me

I am worried about my cash flow and want help accessing credit I am worried about overdue tax returns I am worried about the money I owe in taxes I don't have enough money to pay my bills I am worried that I do not have enough money for retirement My finances are disorganized and I need help getting things in order I am worried about children/aging parents and don't have a plan to address my responsibilities Debt and/or creditors are starting to become overwhelming I have received money unexpectedly and I do not want to spend it foolishly

My current income is not enough for my daily needs I have a lot of debt and the payments use most of my income I recently had a significant life change (illness, divorce) that drastically changed my finances I am impulsive and spend my money on short term wants My spouse and I do not talk about money My spouse and I cannot agree about how we should be spending money I am overwhelmed with the paperwork and I don't know where to start Nothing stands in the way of my goals. I am on track to do everything I set out to achieve

Wedding Purchase Real Estate Sell Real Estate Expand my family Change employment Start a business Receive inheritance Pay for post-secondary Pay off large loan Save more money Invest more money Borrow more money Start a financial plan Retire / Stop working None

Protect my family if I am not around Prepare for the unexpected Not to be a burden to my family Protect my lifestyle Income security / safety net None

Spend more time with the people I care about Make work optional / Retirement Grow as a person / expand my passions Improve / Maintain health and wellness Spend guilt-free None

Support my charitable causes Educate those I care about Support other family members Provide a lasting legacy Minimize taxes None

Replace Income Protect Assets Final Expenses None

Real Estate Purchase Education Fund Cash Reserve Fund None

Systematic Savings Lifestyle - Major Expense Retirement Savings None

Estate Planning Family Business Charitable Programs None

Tax Deferral Programs Small Business Future Tax Strategies None

No life insurance Bank Mortgage Insurance Group Benefits Life Insurance Personal Life Insurance Unsure

Income Replacement Debt Inheritance Charitable Giving Retirement Income Final Expenses

Pay off debts Pay off mortgage Provide education funding Provide income to spouse Provide income to children Medical expenses Long Term Care expenses Charitable giving Provide Inheritance Pay all taxes owing Pay funeral expenses

Unemployed Homemaker Employee / Job - Hourly or salary Commission Self-employed Rental Property Investment Income Pension - Employer Disability Benefits Social Assistance Old Age Security Canada Pension Plan Child Support Alimony or Palimony

Credit Card Line of Credit Mortgage/HELOC Student Loan Car Loan Personal Loan Investment Loan Business Loan None

Financial planner Insurance agent Investment advisor Bookkeeper Accountant Lawyer Other professional None

N/A Frequency of communication (They never contact me) Availability for Meeting/Answering Questions (They do not respond in a timely manner) They do not understand my needs I don't understand when they are talking to me I feel like their fees are too high They spend too much or too little time talking about products I feel like a transaction instead of a client They constantly sell me products that I do not think I need They make promises they cannot keep They cannot provide me with the results I am seeking

N/A It was a one time transaction I call them when I need them and I don't usually need them I don't expect professionals to give me service because I do not have much money I like to do everything myself for convenience I don't provide the information they request because I am overwhelmed or I forget to give it to them I haven't been interested in more service than they have been providing

N/A Frequency of communication Availability for Meeting/Answering Questions They understand my needs They speak my language They have low or no fees They are very knowledgeable about products