The insurance agent should first complete a capital needs analysis. Greyson and Jacob have broad protection objectives: premature death and unexpected health events. Product selection should follow quantification of the need, not precede it. A capital needs analysis estimates the amount of insurance required by considering debts, final expenses, survivor income, education funding, emergency reserves, existing assets, existing insurance, and the duration of dependency. Accidental insurance is too narrow because most premature deaths are not necessarily accidental. Permanent life insurance may or may not be appropriate depending on whether the need is temporary or permanent. Critical illness insurance may address part of the health-event risk, but it does not replace the need to quantify death and disability-related capital requirements. AFP risk management begins with need identification and measurement before product recommendation. Study Guide focus: capital needs analysis, life insurance planning, health-event risk, family protection, and product suitability. The analysis should normally be completed before deciding between term life, disability, critical illness, or permanent coverage.

Henri's authority is limited to trading authority on Jessica's TFSA. That does not give him authority to receive information about Jessica's bank balances, high-interest savings account, chequing account, or broader financial position. Trading authority permits specific account instructions within its scope; it is not a privacy waiver and does not equal power of attorney. The planner must protect Jessica's confidentiality and require Jessica to contact the planner directly or provide proper written authorization. Providing the balances because Henri has some account authority would breach privacy and exceed the mandate. Allowing Henri to contribute from his own account introduces attribution and contribution-room issues and still does not authorize disclosure. Recommending an enduring POA is not the immediate response unless Jessica wants incapacity or management authority planning. Study Guide focus: client confidentiality, third-party authority, trading authorization, privacy, and account documentation. The same privacy standard applies even where the parties are spouses, partners, or informal helpers unless written authority exists.

A family RESP is the most appropriate education savings structure for Robert's two children. It permits multiple related beneficiaries and provides flexibility if one child does not use all of the education funding.
Contributions can attract available education savings grants, and growth is tax-deferred until paid as educational assistance payments. A group RESP is less flexible and may impose restrictions that are not ideal for a family with different education paths. Individual RESPs can work, but they reduce the ability to shift unused resources between siblings compared with a family plan. An education-purpose trust lacks the RESP grant structure and tax treatment. The disabled son's broader planning may also require RDSP analysis, but that option is not offered and does not replace RESP education funding. The planner should confirm grant limits, contribution limits, beneficiary eligibility, and withdrawal rules. Study Guide focus: RESPs, family plans, education grants, tax-deferred education savings, and beneficiary flexibility.

The minimum distance rule for work-related moving expense deductibility is 40 kilometres. The new home must be at least 40 kilometres closer to the new work location, measured by the shortest normal public route, for the move to qualify under the standard Canadian tax rule. This is a threshold test; moving 15 or 25 kilometres closer is not enough, and 60 kilometres is more than the required minimum. The planner should also confirm that the move relates to employment or business income, that the new residence becomes the ordinary place of residence, and that eligible expenses are claimed only to the extent permitted by the rules.
The fact that Ivan was relocated by his employer makes the moving-expense issue relevant, but the question asks only the minimum distance. Study Guide focus: moving expense deduction, employment relocation, 40- kilometre test, and personal tax deductions. The distance rule should be confirmed before the client assumes moving costs will produce a tax deduction.

Expense control is a cash flow problem. A net worth statement shows assets, liabilities, and net worth at a point in time, but it does not explain where monthly income is going. A current cash flow statement identifies inflows and outflows, while a budget converts that information into a forward-looking spending and savings plan. Option A is incomplete because the balance sheet can show that debt exists but not which behaviours are creating or reducing surplus. Option C relates to estate transfer, not spending control. Option D governs investment objectives and constraints; it does not normally capture household expense categories. To increase net worth, the planner must connect the income statement and balance sheet: reduce unnecessary outflows, direct surplus to debt repayment or savings, and measure progress through updated net worth statements. The practical planning sequence is diagnose cash flow, set a budget, automate surplus allocation, and review outcomes. References/topics: cash flow statement, budgeting, net worth improvement, expense management.