Section 3 - Financial Management 10 marks - Provide and comment on current financial situation (Net Worth \& Cash Flow) - Include discussion on Julie's employment, do you have any recommendations - Include discussion on Emergency Fund - Summarize your recommendations Section 4 - Education Planning 10 marks - Provide detailed education plan and projections for Crystal - Comment on the merits of purchasing a life insurance policy for Crystal - Summarize your recommendations Section 5 - Tax Planning 5 marks - Discuss their current situations and tax rates (MTR and ATR) - Discuss relevant strategies to reduce taxes (TFSAs, RRSPs, Income splitting) - Summarize your recommendations Section 6 - Retirement Planning 10 marks - What is their current situation - How much do they need for retirement, How much do they have for retirement (gov't sources, pensions, personal savings) - Is there a gap? How do they deal with it? - Summarize your specific recommendations Section 7 - Investment Planning 10 marks - Explain the current situation regarding their investments (le asset allocation) - What is your recommended asset allocation? Provide your rationale - Discuss various investment options for Harsh \& Julie. - Provide your comments for ETFs and crypto investments - Summarize your recommendations Section 8 - Insurance and Risk Management 10 marks