Lifestyle Questionnaire

What do you think that your next decade or two will look like?

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A. As of this moment in my life, my financial life planning program could be described as:
His	Her
		Well thought out
		Just a financial plan
		Have had some thoughts about it
		Haven't thought about it enough

B. What are your greatest concerns about the future?
His	Her
		Not having enough assets or income
		Inflation
		Lengthy illness
		Investment crisis
		Difficult family relationships

C. At this time, the idea of "retirement" makes me feel:
1	2	3	4	5	6	7	8	9	10
"sad"			"Neither Good or Bad"				"Excited"

D. What are your views on retirement?
There are many views of the ideal retirement picture, and most of us have some pre-conceived notions about "retirees". Below are some statements that have been made about retirement and represent some common perceptions of this future phase of your life. Do you feel that they are True or False?
His	Her
		"The key to a successful retirement is having enough money to enjoy your life."
		"Retirement comes at a time when you can no longer contribute to the workforce."
		"There are very few employment opportunities for those people over sixty".
		"You should plan to live on 75% of your last year's income in your first year of retirement".
		"Over one-third of retired Canadians report not having enough money to live the life that they envisaged in retirement!"
		"To have a comfortable retirement at age 55, you need over a million dollars in the bank."
		"11% of Canadians expect that some of their retirement income will come from lottery winnings."

Assessing your Hardy Personality
1	2	3	4	5	6
Not like me	Seldom	Sometimes	I would like to	Usually	Always

		His	Her
1	I have a written list of things that I would like to accomplish in my life
2	I spend quiet time meditating and contemplating my life and my world
3	I wake up in the morning full of optimism and looking forward to starting my day
4	I have a clear picture of what the next phase of my life will look like
5	I try to learn as many new things as I can
6	I sleep well and am able to relax when I have free time
7	I believe that I have control over most things in my life
8	I look forward to the changes that happen in my life and view them as challenges
9	I feel that I have a purpose in life and I am clear on what that is
10	I am usually an optimistic person when it comes to how I view my future
11	I am adventuresome, continually pushing my limits to try new things
12	I would consider myself to be very "goal-oriented"
13	I enjoy the company of friends and family rather than being alone
14	I take time to look at and appreciate the beauty of the world
15	I live each day as if it were my last

Scoring the Hardy Personality Test
0-30	You tend towards letting life happen around you without much feeling of control
31-45	31-45 You want to exercise more control in the way that you live your life, but still tend towards being directed by other people or events.
46-60	You try to take control of your life as much as possible, though you do not always succeed
61-75	You exhibit most of the features of the "hardy" personality and process stress well.

What life transitions do you expect?	Now	Likely to happen in the near future
Career		Likely to happen in the near future
Purchase or sale of business
Build a retirement
Phased-in retirement
Full retirement now in place
Your Family and Home Life
Change in marital situation
Purchase or sale of present housing
Relocation
Concern about personal health
Concern about help of loved one
Disability of self or loved one
Having grandchildren
Children/grandchildren needing help
Long term care for parent or spouse
Financial Issues
Investment gain or losses
Buying or selling assets
Debt Concern
Need for income replacement
Legacy and estate planning
Critical care/long-term care financing
Education financing for family
Inheritance or financial windfall

Food for thought...
1. If you won the lottery, and money was no longer the issue, would you change the way that you spend your time?	Yes No
2. If you found out that you only had five years to live a productive life, would that change how you live your life today?	Yes No
3. At your eightieth birthday party, when your friends gather to honor you, what is it about you that you would like them to say?
Comments: Type your comments here.

Have you thought about.

What "financial comfort" actually means to you in the next phase of your life?
What you want your money to do for you?
How you view your money and are your attitudes towards it changing as you grow older?
How your financial planner can help you relate your goals and your money to your life?

Some feel that a happy retirement is guaranteed by financial security. However, there is no price tag on successful retirement. Financial comfort refers to a retiree being able to manage their life in a satisfying and fulfilling way using the resources that they have. If financial discomfort contributes to retirement stress, then this element is not in place. Many retirees are able to enjoy happiness with far less than others, simply because they have the ability to "cut their coat by their cloth".

Where did your attitudes about money come from?
What attitudes about money do you remember growing up with? What was the influence of your parents, grandparents or guardians? From the following list, check those that would apply to you.
His	Hers		His	Hers		His	Hers
		spendthrift			business-like			shopper
		extravagant			bargain hunter			credit
		controlled			foolhardy			charitable
		ambivalent			insightful			economical
		value conscious			optimistic			selfish
		risk averse			pessimistic			worried
		risk taker			irrational			indebted
		investor			rational			flashy
		affluent			sharing			generous
		impoverished			conventional			savers
		enterprising			price conscious
Comments: Type your comments here.

What does this say about you?

1. What does this tell you about the lessons that you learned from others before you?

2. How happy are you with the current meaning that you have given money in your life? Are you using it in the ways that meet your core values?

3. What obstacles have your habits with money placed on your ability to reach your life goals?

What do you really want your money to do for you?
His	Hers		His	Hers
		buy toys			travel extensively
		save me from worry			educate myself
		move to a new home			play more
		get me out of debt			protect me from cost of illness
		upgrade my lifestyle			gamble
		give to my family			philanthropy
		give to charity			look after my basic living
		change my life			take a spiritual journey
		pay my bills			children's education
		look after parents			investing for investing sake

Strategies for Change...

If necessary, implement a budget for your future
Avoid the trap of excessive spending on travel and especially when you can least afford it.
Assess the costs of your living expenses, your entertainment costs and your contingency costs (health care, vehicle replacement, etc.)
Always think about what money DOES, not what money IS
Anticipate a reasonable inflation rate
Talk to your financial planner about your life goals and make sure you understand the financial implications of the decisions you make

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