Personal Information:

Client Name: _______________________________

Date of Birth: ________________

Gender: M / F

Retirement Age: _____

Health: Excellent / Good / Fair / Poor

Annual Income: Employment $________________ Other $_______________

Assets:

RRSP $ _________________ Locked-in plans $ __________________

Non-Registered $ __________________ Non-Investable $ __________________

TFSA $ __________________

Retirement Income:
Default is maximum allowable; complete only if lower: CPP $ _________ OAS $ __________

Other Pensions $ ______________ Other Income $ _____________

Retirement Income Needs (net):

Starting age _____
% of income _____ OR Set annual $ ___________ (from retirement age to projection age)

Would you like to plan for different income needs at different periods of your retirement? For example, spend more in periods 1 and 2, less in the later stages as you may want to minimize travel. If this is the case, you can illustrate up to 3 more periods to projection age:

Period 2:	Starting age _____ % of income _____ OR Set annual $ ___________
Period 3:	Starting age _____ % of income _____ OR Set annual $ ___________
Period 4:	Starting age _____ % of income _____ OR Set annual $ ___________

Key assumptions:

Please confirm with your client and make note of any adjustments:
Inflation: Default is 2.5% OR ____%
Projected to age 100 (Default) OR to age ____

Annual RRSP contributions: $ ____________ Lump sum RRSP contributions $ ___________

ROR in Accumulation phase:
RRSP: Default is 6.5% OR ____%
Non-Reg: Default is 7.5% OR ____%
TFSA: Default is 7.5% OR ____%

ROR in Retirement phase:
RRSP: Default is 5.0% OR ____%
Non-Reg: Default is 5.0% OR ____%
TFSA: Default is 7.5% OR ____%

Taxation – Marginal tax rate :

Accumulation _____%
Retirement _____%

Annuity calculation:

Assist client in determining what his/her basic monthly expenses in retirement will be. This will allow you to recommend an Annuity as a solution to your client. The illustration will show you the required premium.

Mortgage/Rent	$ ___________
Property Taxes/Fees	$ ___________
Heating/Utilities	$ ___________
Phone/Cable/Internet	$ ___________
Groceries	$ ___________
Healthcare	$ ___________
Insurance Premiums	$ ___________
Transportation	$ ___________
Vacation & Entertainment	$ ___________
Other	$ ___________
Total	$ ___________

Advisor use only:

Current date: _____________

The information you have gathered will allow you to run the following 5 calculators:

1. Financial Projection
2. Active investing at retirement
3. Impact of MERs in retirement
4. Covering basic expenses with annuities
5. Pension Splitting

To run the scenarios, go to www.retirementplanningtoolkit.com on the Standard Life Website. You can also use 2 sub-tools that will allow you to illustrate the performance of different portfolios/indices and the impact of MERs on a portfolio, in just a few minutes.

Please note:

• There is also an in-depth user guide available on this site to assist you in entering the data and answering any key questions.
• This information complements/supports any compliance requirements you may have already completed with respect to KYC (Know your client).