Retirement and Estate Planning - Assignment

Running Head: RETIREMENT AND ESTATE PLANNING ASSIGNMENT 1
Retirement and Estate Planning Assignment
Student Name
Institution
Course Code

RETIREMENT AND ESTATE PLANNING ASSIGNMENT 2
Table of Contents
Cover Letter................................................................................................................... 2
Projected Cash flow.......................................................................................................... 4
Wealth Accumulation template............................................................................................ 5
Assumptions................................................................................................................ 5
Income of the couple........................................................................................................ 7
Assumptions................................................................................................................ 7
Strategies Advised........................................................................................................... 8
Investing in a socially responsible manner............................................................................ 10
References................................................................................................................... 12
Cover Letter
Mark and Susan Saunders,

RETIREMENT AND ESTATE PLANNING ASSIGNMENT 3
41 Super Street,
Diamond Creek, 3089
Australia
Dear Mr and Mrs Saunders,
Re: RETIREMENT AND ESTATE PLANNING REPORT
It was a pleasure to meet you on 15 July 2018 at 3.00 pm regarding your retirement and estate
planning.
As agreed in our meeting there are certain aspects that you wanted us to look into your financials
and come up with a plan for you. I am delighted to announce that we looked into your personal
financial profile and came up with a report touching on all your concerns. The report is hereby
attached for your perusal. Please look at it and do not hesitate to contact us in case you have any
queries.
Thank you for considering our company for your retirement and estate planning needs. We hope
to hear from you in the near future.
Yours very truly,
Financial analyst
Question 1.

RETIREMENT AND ESTATE PLANNING ASSIGNMENT 4
i. Provide a projected cash flow statement for the couple for the 2018 financial year based
on their existing financial situation detailing the expected cash surplus / deficit. You are
required to provide full details.
Projected Cash flow
INCOME Item Name Amount Totals
Salary 32,000.00$
Income from business 125,000.00$
Bank interest -$
Term deposit 1,000.00$
Shares/dividends 4,000.00$
Total income 162,000.00$
EXPENSES Work related 700.00$
Donations 220.00$
Mortgage and loan repayment 39,500.00$
Living expenses 60,000.00$
Term deposit 10,000.00$
Emergencies contribution 5,000.00$
Total expenses 115,420.00$
Deficit/surplus 46,580.00$
Cash-flow Statement for Mark and Susan Sanders for the period ended
31 Dec 2018
NB: The figures were taken straight from the client profile form filled by Mark and Susan
Sanders. The only calculation done was for the Term deposit amount and for the shares. 2.5%
was applied for the term deposit amount while 4.0% was used for the shares.