as c

ashf

low

incr

ease

s

as c

ashf

low

incr

ease

s

juniorOpen

Money• Tax Efficient investment

opportunities

Registered Money (RSP, TFSA)

• Dollar Cost Averaging• Leverage

Home Ownership• Moving from renting to owning

Savings• Emergency Fund (TFSA)• RSP (Home Buyers’ Plan)

Debt Reduction• “Bad debt is the enemy”

Life Insurance• Primarily Term with conversion option

Income Replacement• Critical Illness and/or Disability Insurance (based on needs)