John and Juli Brown, a married couple, both 33 years of age. They have a 5 year old son who is in day-care near their rented apartment in North York. John is a supervisor with the Ontario government and Juli is a supervisor with a major bank, both employers are located downtown Toronto. John makes $70,000 a year and Juli earns $85,000 a year. Both have been working for their current employer for 10 years since their graduation from university. John’s employer offers a Defined Benefit pensi …
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