To help understand how time and relationships impact your future financial needs and obligations, we've provided this little chart to help you gain a realistic view of the possible and probable.

In the illustration, you'll notice the relationship and comparative age difference of each member of the group as they get older.

At age 35 with a young family you're concentrating on job advancements, home ownership and the kids education. Jump ahead a few years, review the ages of the group. In 15 years all are older and further along the life-cycle. The quest is to ascertain if sufficient wealth has been or is being accumulated in the interceding years to meet the obligations of the family. Was enough savings and investment activity formulated to provide for the retiring parent's, is sufficient income generated to support educational aspirations of children? If a spouse dies suddenly is enough life insurance coverage available to support those left behind?

It's become a "sign of the times", that those in middle age are still supporting adult children within an educational facilities, or realizing that your own parents may need special support within a short period of time. Understanding how those issues, and how those life-cycles impact you financially in the future is the best way of developing and managing a plan.

	Short Term Medium Term Long Term
	This Year	Adding 5 year	Adding 10 years	In 15 years	Plus 20 years	Plus 25 years	Plus 30 years	Plus 35 years
	2007	2013	2007	2022	2027	2032	2037	2042
Your age	37	42	47	52	57	62	67	72
Spouse	32	37	42	47	52	57	62	68
1st child	4	9	14	19	24	29	34	39
2nd child	0	4	9	14	19	24	33	38
Spouse's dad	60	65	70	75	80	85	90	95
Spouse's Mom	58	62	68	73	78	83	88	93
Your Mother	61	66	71	76	81	86	91	96
Your dad	65	70	75	80	85	90	95	100
A Business Partner's age	52	57	62	67	72	77	82	87

Provided below is a blank worksheet (printable version) - fill out the relevant details and gauge the impact of your current and future dependents. In some circumstances obligations to former spouses and adopted children could have an entitlement claim to future financial resources! Your Fiscal Agents representative can help you prioritize a list of issues, determine time frames and offer Possible solutions within areas of concern.

	Short Term Medium Term Long Term
	This Year	Adding 5 year	Adding 10 years	In 15 years	Plus 20 years	Plus 25 years	Plus 30 years	Plus 35 years
Your age
Spouse
1st child
2nd child
Spouse's dad
Spouse's Mom
Your Mother
Your dad
A Business Partner's age
Other-

Record any future considerations below.