10

How French Owest 101 donde pent is meeting with his prospects Teymour and Houri to thes and prepare recommendations for their situation, Hour stays at me welcher three children and Teymour works for a small consulting firm. He has e lary but no employee benefits. They send every dollar not needed for her own living perses to their family in Iran and consequently have no savings or investments Other than owning their home, What should ad recommend to manage their financial risk? They need tax efficiency for Teymour's salary that can be achieved by income W They need to start planning for retirement with an RRSP for Teymour. Od they need to start education planning for their children with an RESP. as they need to establish an emergency fund that can be accessed for the family Teymour's salary was lost or reduced Page 10 of 35