John and Margaret are doing alright.  They have a powerful cash flow that subsidizes a very comfortable lifestyle and they have pensions ($130K/yr) that will pay for a nice retirement.  They're putting 10% of their net income into pension plan ($880) and education savings ($335).  They have only one debt, which is a mortgage on the remaining 22% of the value of their home.  All this and they're in their 40's.  

Where they come short is the careless way they manage the savings they have.  There's lost opportunity in letting tens of thousands sit in savings accounts and GICs as we all know.  A financial planner is easy to engage and could help them put their savings to work.