Answer “yes” or “no” to the following questions:

1. Has a written financial plan been documented and updated at least annually to adjust for changed circumstances, market trading conditions and latest carrier solutions?
2. Is the life insurance program inclusive of fully comprehensive critical illness benefits (or just payable on death)?
3. Have the long term care expenses been accounted for by the plan in order to protect the children’s retirement from the unfunded health issues of the parents?
4. Was the appropriate inflation indexing used in creating and funding the plan?
5. Was the appropriate life expectancy used in creating and funding the plan?
6. Does the plan contain the correct blend of guaranteed income and lifestyle “playcheques” to ensure maximum financial peace of mind free of market volatility?
7. Have the necessary allowances been made for legacy contributions to grandchildren’s financial well-being?
8. Are the estate plan distributions arranged WITH or WITHOUT values guidelines?
9. Has a family meeting been convened at any point to reach consensus on key family issues surrounding long term care, asset sharing amongst siblings and family financial roles in the future?
10. Does the plan include return-of-premium coverage on grandchildren/children’s critical illness with funds converted for whole life insurance on the grandchildren/children in the the future?

I would welcome the opportunity to meet with you and your current advisor to exchange some ideas on the above issues and ensure that you are receiving the advice and service you deserve.

Please contact me to arrange a convenient time for us to get together. If you live in Prince Edward County or within 20 minutes of the 401 corridor between Brighton and Brockville, as a token of my appreciation, you will receive a complimentary book entitled “ Estate Planning Through Family Meetings” at our meeting.