Many people avoid developing their financial plans because they do not like organizing finances, working through the planning process, answering tough questions about prioritizing competing goals, or facing disturbing life events like death or disability. They make a simple attempt at planning to achieve their goals and hope that everything will work out for them. Unless they are very lucky, it is not likely they will achieve their goals.

You need to make plans if you are going to achieve your financial or personal goals. The plan is your roadmap showing you how to get from where you are to where you want to be. Without a plan, you will end up just anywhere, which may not be where you want to be, financially or otherwise.

Furthermore, you need to start your planning process as soon as possible. There is a very high cost of waiting to start saving for your financial goals. The longer you wait the more it will cost you on a monthly basis. Suppose your goal is to have $50,000 for your child's college education. If you start saving when your child is born and you can earn 6% on your investment, you will have to save $129.10 per month. However, if you wait until your child is in middle school, you will have to save $578.60 a month. On the other hand, if you start immediately and you can earn 10% on your investments, you will need to save only $83.30 a month.
• The longer you wait the more you will have to save on a monthly basis to save for the same amount.

• The higher your return on investment the less money you need to save. START PLANNING NOW!

STRICTLY CONFIDENTIAL

Please complete all relevant sections with as much detail as possible. Once completed, please submit to us for our personal report and recommendations on the strategy required for us to help you achieve your financial objectives. Alternately, you can print off a hard copy and send it to us by fax 801-515-7597 Section One - PERSONAL DETAILS Title Surname First Name Date of Birth (mm/dd/yy) Nationality Company Office Address Home Address To which address should correspondence be sent? Office Home   code number ext. Office Telephone Office Fax Home Telephone Home Fax Mobile E-Mail Notes   Marital Status Spouse's Name Spouse's Age Spouse's Nationality Children's Name Sex Date of Birth Male Female Male Female Male Female Male Female Notes Section Two - PLANNING DETAILS In case of an Emergency, how much liquid cash would you always want available immediately? In which currency are you paid? On average, what is your surplus monthly income? p/m What is your attitude towards risk? ---- Cautious Balanced Aggressive - Please select If you utilised a spread, what split would you use?   % Cautious % Balanced % Aggressive %   100 % What would you assume as the rate of inflation? 5%pa 7.5% 10% Other In any programme that is put in place, what are the important factors? Flexibility ---- Yes No - please select Access ---- Yes No - please select Offshore ---- Yes No - please select Security ---- Yes No - please select Tax efficiency ---- Yes No - please select Discipline ---- Yes No - please select Portability ---- Yes No - please select Easy to administer ---- Yes No - please select What currency US$ Other (please state) Notes Section Three - CURRENT INVESTMENT Please complete the asset summary below   Fixed Assets Current Value 1. Main Home 2. Other Property / land 3. Other (please specify) Loan Details :   Financial Assets Current Value Are you happy with the returns 1. Bank Deposits ---- Yes No 2. Equities ---- Yes No 3. Bonds ---- Yes No 4. Mutual Funds ---- Yes No 5. Unit Trusts ---- Yes No 6. Regular Savings Plan ---- Yes No 7. Other (please specify) ---- Yes No 8. Other (please specify) ---- Yes No Notes Section Four - THE FUTURE Please list all major financial goals in the Short Term (up to 3 years), Medium Term (3 to 10 years) and Long Term(10 years or more). REMINDER LIST - Retirement - College / University Education Fees - Children's Trust Fund - Property Purchase - Wedding Costs - Set up own business - Create Capital Please complete with: 1. What is required ? 2. By when? 3. How much is required in today's terms? Short Term 0 - 3 Years Medium Term 3 - 9 Years Long Term 10 Years + Emergency Fund in Place? Section Five - SUMMARY OF GOALS and OBJECTIVES I want to Priority Please tick as appropriate 1 high 2 medium 3 low Increase or create capital Improve capital growth of investments Reduce Estate/Inheritance tax Diversify existing investments Simplify investments Secure early financial independence Provide for children's education fees Provide for a comfortable retirement Provide funds for my children's future Provide further insurance upon death Provide insurance for serious illness Other - please specify Other - please specify

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