John and Juli Brown, a married stranger, twain 33 years of age. They keep a 5 year old son who is in day-care nigh their rented berth in North York. John is a overseer delay the Ontario empire and Juli is a overseer delay a superior bank, twain masters are located downtown Toronto. John makes $70,000 a year and Juli earns $85,000 a year. Twain keep been established for their present master for 10 years since their stage from university. John’s master offers a Defined Benefit pension guile and Juli’s master offers a Defined Contribution pension guile. Twain keep their own RRSP recitals delay a bank. John has $35,000 in his RRSP recital and Juli has $30,000 in her recital. All funds are invested in one year GIC paying 1.5% concern. They are thinking of buying a scion and dregs is inappropriate, as covet as it is hinder to exoteric transit. They keep a flexure bank bombardment recital delay $50,000 in GIC. They own a 7 years old car which excellence encircling $5,000. Their monthly expenses totalled encircling $5,000 and their pay waste sum to 30% of their impure hues. Based on the aloft knowledge, fascinate provide a financial guile for the Browns parentage containing discussions/analyses such as net excellence, coin course, retreat, bombardment, tax, and protection.