1.

Template #1 – Advantages and Disadvantages

List 2 advantages and 2 disadvantages of an Individual Pension Plan (IPP) (4 marks)

2.

Template #2 – Time Value of Money (TVM) Calcs

Assuming Stu can continue to make his current contributions to their RRSPs, will their registered savings provide adequate income to meet their stated objectives? [4 Mark]

Value of registered assets at retirement [1 Mark]

Template #2a – Time Value of Money (TVM) Calcs w Final Calc

Annual income required at retirement [1 Mark]

3.

Template #3 – Lists

If Sandy decided to set up her estate to ensure that a part of her estate would transfer to Jamie on Eric’s death, what are 2 potential strategies that Zoey would recommend? [2 marks]

Template #3a – Lists + Reason/Rationale

Besides an RESP, what are two other savings options available for individuals looking to save money for a child’s education. For the option selected, provide one supporting reason for when this option would be appropriate for the client [2 marks]

4.

Template #4 – List + Answer + Calc

If Sandy were to die today, what would be her taxable income on the disposition of her assets. Show your calculations and/or provide a brief explanation to support the value of your income inclusion [3.5 marks]

5.

Template #5: Calc + Three Tiered Answer

If Larry decides to continue using a TFSA to plan for Amy’s education and continue with the current savings strategy, how much would he need to earn if his requirement was save $50,000 for when Amy turns 17. Given this return, what asset mix between equities and fixed income would be expected to achieve this return and would this mix be appropriate for him given his risk tolerance?  [3 Mark]

Required Rate of Return [1 Mark]

6.

Template #6: Two Tiered Calc

If Barry decides on Option 2, calculate the immediate taxes payable? Assume Barry, Lee and Michael will each have equal ownership (1/3 of the property each)

[1.5 Mark]

Template #6a: List with Two Tiered Calc

What is the expected gross and net rates of return for Jane’s investment portfolio? [3 Mark]

Template #6b: List with One Tiered Calc

Jimmy has recommended a portfolio with the following data:

Balanced Growth Portfolio

• • • Fund Beta = 0.8
    • One-Year Historical Return = 10%
    • Expected Annual Rate of Return = 6%
    • Standard Deviation = 7%

Calculate the Sharpe Ratio and Alpha for both Roger’s mutual fund portfolio and Jimmy’s recommended portfolio. Finally, recommend the best option and an appropriate rationale? [5 Mark]

7.

Template #7 – Single Written List

Based on the fast that Malcolm has lost his job, list three strategies that could help him and Sandra prepare for retirement if their savings and cash flow were to become constrained: [1.5 Mark]

8.

Template 8a – List + Time Series

If Jim takes Becky’s recommendation at decides to allocate the funds from his mother’s GIC to his RRSP, what is the additional amount that will be added to his RRSP at age 60? [6.5 Mark]

Template #8a – List + Time Series + Final Answer

9.

Template #9: Two Tiered Written Answer

To prepare for retirement, reduce their taxes payable and take full advantage of their income splitting opportunities, outline 3 strategies you would recommend to the couple? [3 Marks]

Template #9a: Four Tiered Written Answer

Based on the calculations in Question 3, answer the following as they relate to retirement planning for Jane and Jan [4 Mark]