Kurt and Jennifer Rosen, a young Canadian couple with a daughter named Colleen, seek financial advice as they navigate parenthood and plan for their family's future. Kurt, a skilled contractor, earned $$155,000$ last year but aims for a more sustainable workload after a back injury. Jennifer, a college professor, earns $$64,000$ annually and supplements her income with piano lessons. They currently rent a basement for $$1,000/$month$.$ They aspire to buy a $$675,000$ home and wonder about mortgage eligibility and utilizing RRSPs for a down payment. Concerned about their daughter's education, they aim to save $$100,000$ for her university expenses. Their investments include RRSPs$,$ TFSAs, and GICs, with a preference for low$-$risk options. They lack sufficient life insurance coverage and consider mortgage life insurance. Liquidity is vital as they monitor housing market opportunities. They've made basic wills but need to name guardians for their children. Jennifer's unexpected pregnancy prompts considerations for her work leave and financial planning for two children. Their retirement focus is modest, centered on family time and community involvement. They seek clarity on Jennifer's pension benefits for retirement planning.can you make an estate planning include income tax at death for them