Green Mountain Financial Services Inc.

Personal Wealth Strategy Roadmap

A coordinated approach to household liquidity, registered accounts, non-registered investments, contribution priorities and long-term wealth accumulation.

GMFSI Personal Wealth Planning

Prepared for

Client Household

Individual Planning

Prepared by

Madhu Shukla, CFP®, EPC

Founder & Principal Advisor

Prepared date

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Planning Profile

Primary Client

Spouse / Partner

Prepared Date

Initial Investment

Future Contributions

Investment Horizon

Risk Profile

Household Wealth Objectives

Clarify the purpose of the money, the expected timeframe and the role each account will play.

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Primary Goal

Build long-term personal or household wealth through coordinated savings and investment decisions.

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Account Coordination

Use TFSA, RRSP, FHSA and non-registered accounts according to objectives, eligibility and available contribution room.

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Time Horizon

The current investment horizon is 10+ years .

Client-Specific Wealth Objective

The Personal Wealth Strategy Journey

A disciplined process for moving from household priorities and available cash flow to coordinated accounts, investments and ongoing reviews.

Emergency Reserve

Maintain accessible funds for unexpected expenses and short-term household needs.

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Account Priorities

Determine the appropriate order for TFSA, RRSP, FHSA and other savings.

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Initial Investment

Establish or fund the selected personal investment accounts.

$50,000

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Ongoing Contributions

Add savings according to cash flow, contribution room and household priorities.

Monthly or annually

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Review & Rebalance

Review goals, contribution room, performance and suitability on an ongoing basis.

Emergency Reserve & Short-Term Liquidity

Separate funds required for near-term needs from money intended for long-term investment.

Estimated Monthly Expenses

Target Reserve

Reserve Status

Liquidity Notes

Account Strategy

Coordinate registered and non-registered accounts according to eligibility, contribution room and intended use.

Account	Primary Client	Spouse / Partner	Priority	Strategic Role
Emergency Savings
TFSA
RRSP
FHSA
Non-Registered

Account priorities are client-specific. Tax rates, employer matching, contribution room, home-purchase plans, liquidity needs and retirement objectives may change the appropriate sequence.

Risk Profile & Investment Capacity

Match the investment strategy with the household’s willingness and financial ability to accept market fluctuations.

Selected Investment Profile

Growth-oriented

The portfolio is intended to pursue long-term capital appreciation while accepting that market values will fluctuate and that some periods may produce negative returns.

✓ Long-term investment funds are separate from emergency and short-term household reserves.

✓ The household understands that investment values may decline temporarily.

✓ The selected portfolio should reflect the intended use and timeframe of each account.

✓ The strategy emphasizes diversification and disciplined investing rather than short-term market timing.

✓ Risk tolerance and household circumstances will be reviewed periodically.

Risk Discussion Notes

Illustrative Portfolio Strategy

Use a diversified allocation as a discussion framework before final product and account-level recommendations are approved.

Portfolio Component	Target Allocation	Strategic Role

The allocation is illustrative and editable. Final recommendations must reflect KYC information, risk tolerance, investment objectives, time horizon, account type and dealer suitability requirements.

Recommended Portfolio / Product Notes

Contribution Priority Sequence

Apply available household cash flow according to liquidity, employer benefits, tax considerations and long-term objectives.

Emergency Reserve Establish or maintain an appropriate accessible cash reserve before committing all available funds to long-term investments.

Employer Matching Capture available employer retirement-plan matching where applicable and suitable.

TFSA / FHSA Consider tax-free or first-home savings opportunities based on eligibility and intended use.

RRSP Contributions Assess the value of tax deductions, current income and future retirement withdrawals.

Non-Registered Investing Use flexible non-registered investments when appropriate after higher-priority account opportunities are reviewed.

Household Contribution Strategy

Implementation Timeline

Move from planning discussion to account funding, investment implementation and ongoing contributions.

Today Confirm household priorities, liquidity, account opportunities and risk profile.

Documents Complete Finalize account, identity, KYC and suitability documentation.

Contribution Room Confirmed Verify TFSA, RRSP and FHSA eligibility or available room as appropriate.

Accounts Funded Transfer the approved initial investment to the selected accounts.

Portfolio Implemented Complete the approved investment purchases and allocations.

Annual Review Review performance, contribution room, goals and ongoing suitability.

Annual Review & Ongoing Guidance

Ensure the household strategy remains aligned with changing goals, income, contribution room and financial circumstances.

✓ Review account balances and investment performance.

✓ Confirm emergency savings and short-term cash needs.

✓ Review TFSA, RRSP and FHSA contribution room.

✓ Update risk tolerance and investment objectives.

✓ Rebalance investments when appropriate.

✓ Coordinate with tax or legal professionals when needed.

Review Schedule / Additional Notes

Today’s Meeting Outcomes

Record the decisions, confirmations and follow-up items arising from the discussion.

Household objectives and timeframe confirmed

Emergency reserve reviewed

Account priorities discussed

Risk profile and market expectations reviewed

Initial investment amount approved

Future contribution strategy discussed

Tax or accounting coordination required

Client questions answered

Discussion Summary

Record important questions, decisions, account priorities and agreed follow-up actions.

Advisor Notes

Important: This roadmap is intended as a discussion and planning document. It is not a guarantee of investment performance, a tax opinion or a substitute for formal product documentation, account agreements, know-your-client information, risk-profile documentation or suitability requirements. Investment values may fluctuate, and investors may receive less than the amount invested. TFSA, RRSP and FHSA eligibility, contribution room and tax treatment should be confirmed using appropriate records and, where required, with a qualified tax professional.

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