Disclaimer
The figures in the attached report are based on the assumptions and information provided by you, the customer. These assumptions and information will change over time. Some of the information provided is based on current tax laws and legislation that may change. Therefore, you must check your financial plan regularly to ensure it is up to date and meet your current needs. It is also important to understand the impact of various assumptions on your program goals and understand some different scenarios.
The information provided in the attached report is of a general nature and should not be construed as providing legal, accounting and/or tax advice. If you have any specific questions and/or problems in these areas, please consult …show more content…
I will not use any client`s information for personal benefit, regardless of whether or not it actually causes the client harm.
It has been agreed by all parties that Jeffrey Lau Ka Wing and Mai Lau Que Ly must be present at all meetings and that decision can only be made subject to their unanimous approval. It is agreed by both the advisor and the client that telephone orders will not be accepted, and that the client must provide his or her signature as authorization for every transaction.
Before making any recommendation, I must first have a complete picture of your current financial situation. The information I need deals with, but isn`t necessarily limited to, your: assets; liabilities; cash flow; anticipated lump sum income or expense amounts; tax position/returns; will and power of attorney; insurance coverage (life and general); group benefits; and pension plans. If I am unable to obtain the information I require, you should understand that it could prevent me from giving you appropriate advice; if this is the case, I may be required to either revise or terminate our …show more content…
These assumptions may include, but are not limited to, your anticipated retirement age, life expectancy, retirement income requirements, government benefits, time horizons, special needs, rates of return and inflation and income tax rates. Any assumptions I make will be both reasonable and realistic, and they will be disclosed to you in writing in the financial plan.
Having reviewed your financial situation, I will prepare a written financial plan for you to review. When discussing this report with you, I will do so in such a way so that you are able to understand: The advantages and disadvantages of the various alternatives; The costs of the various alternatives; The risks involved in the various alternatives; The time sensitivity of recommendations; The consequences of no action being taken; and The impact of a change in the assumptions on the projected results. The client is obliged to inform the advisor if he or she does not understand any of the above points.
It is agreed that the advisor will conduct a review with the client in person every twelve
The figures in the attached report are based on the assumptions and information provided by you, the customer. These assumptions and information will change over time. Some of the information provided is based on current tax laws and legislation that may change. Therefore, you must check your financial plan regularly to ensure it is up to date and meet your current needs. It is also important to understand the impact of various assumptions on your program goals and understand some different scenarios.
The information provided in the attached report is of a general nature and should not be construed as providing legal, accounting and/or tax advice. If you have any specific questions and/or problems in these areas, please consult …show more content…
I will not use any client`s information for personal benefit, regardless of whether or not it actually causes the client harm.
It has been agreed by all parties that Jeffrey Lau Ka Wing and Mai Lau Que Ly must be present at all meetings and that decision can only be made subject to their unanimous approval. It is agreed by both the advisor and the client that telephone orders will not be accepted, and that the client must provide his or her signature as authorization for every transaction.
Before making any recommendation, I must first have a complete picture of your current financial situation. The information I need deals with, but isn`t necessarily limited to, your: assets; liabilities; cash flow; anticipated lump sum income or expense amounts; tax position/returns; will and power of attorney; insurance coverage (life and general); group benefits; and pension plans. If I am unable to obtain the information I require, you should understand that it could prevent me from giving you appropriate advice; if this is the case, I may be required to either revise or terminate our …show more content…
These assumptions may include, but are not limited to, your anticipated retirement age, life expectancy, retirement income requirements, government benefits, time horizons, special needs, rates of return and inflation and income tax rates. Any assumptions I make will be both reasonable and realistic, and they will be disclosed to you in writing in the financial plan.
Having reviewed your financial situation, I will prepare a written financial plan for you to review. When discussing this report with you, I will do so in such a way so that you are able to understand: The advantages and disadvantages of the various alternatives; The costs of the various alternatives; The risks involved in the various alternatives; The time sensitivity of recommendations; The consequences of no action being taken; and The impact of a change in the assumptions on the projected results. The client is obliged to inform the advisor if he or she does not understand any of the above points.
It is agreed that the advisor will conduct a review with the client in person every twelve