Expenses

Periodic (Expenses may be combined or broken down into sub-categories)

 The % While Retired, % While Disabled & % While Survivor allows the user to specify the percentage of Pre-retirement expenses the client will incur during each of these life stages.

Expense Description	Owner (Client or Co-Client)	Amount (Monthly)	Tax Deductible (Yes/No)		Index Rate	Start Date	End Date	% While Retired*	% While Disabled*	% While Survivor*
Housing
Rent /  Mortgage
Heat / Electricity
Phone/ cable
Property Taxes
Home Insurance
Maintenance
Miscellaneous
Transportation
Auto / payment
Auto / Insurance
Gas / Maintenance
Parking
Miscellaneous
Food
Groceries
Restaurant
Entertainment
Club memberships
Recreation
Other
Personal care
Child care
Clothing
Donations / Gifts
Education Costs
Registered savings
Pension Plan
Savings
Medical / Dental
Life Insurance
Disability Insurance
Long Term Care Ins.
Critical Illness Ins.
Alimony Expenses
Miscellaneous
Total Monthly Expenses

 

Expenses

 Semi-Regular

Expense Description	Owner (Client or Co-Client)	Annual Amount	Frequency (Specify in years)	Start Date	End Date	% While Retired*	% While Disabled*	% While Survivor*	Index Rate
Vacation
Auto Purchase

* The % While Retired, % While Disabled & % While Survivor allows the user to specify the percentage of Pre-retirement expenses the client will receive during each of these life stages.

 

Lump Sum

Expense Description	Owner (Client or Co-Client)	Tax Deductible (Yes/No)	Annual Amount	Index Rate	Date Applicable
Vacation
Pool

 

   (Education expenses should only be entered in this tab if specific assets are designated to cover them. If an education expense is to be funded from cash flow, enter it under the Standard tab.)

Description (e.g. Billy's College Fund)	Member (For whom the expense is incurred)	Type (e.g. Tuition Fees, Room and Board)	Amount (e.g. $5,000 per year)	Start Age (When student begins education)	Years (Number of years expense will be Incurred)	Linked Assets (Asset(s) used to fund this expense)	Market Value

 

 (Major Purchase expenses should only be entered in this tab if specific assets are designated to cover them. If a major purchase expense is to be funded from cash flow, enter it under the Standard tab.)

Description (e.g. Wedding)	Member (For whom the expense is incurred)	Amount	Indexed by (%)	Transaction  Date	Funding Assets (Asset(s) used to fund this expense)