I'd punch the financial planner.
Monthly disbursements:
Mortgage $3,720 (Must be in Vancouver, Toronto or some HCOL, so it is what it is)
property tax $785;
water, sewer $95;
home insurance $195;
hydro $250 (I'm guessing hydro-electric power)
heating $85
maintenance, garden $110
transportation $510;
groceries $1,000 (that's a lot of food, but having teens, maybe OK since both parents work and may be too tired to cook)
clothing $550 (oh holy crap, wear once/twice/thrice and discard? maybe new work clothes all the time?)
gifts $300 (wtf?)
vacation, travel $500
other discretionary $390 (WTF you mean discretionary? don't fucking spend without discretion)
dining, drinks, entertainment $875 (here we go.... wheeee!)
grooming $100 (I'm guessing this is to keep up professional appearances)
pets (food, vet, dog walking) $700 (get a fucking caged bird if you ain't got time to walk your dog, or ditch the pet. Why aren't the kids walking the dog?)
sports, hobbies $420 (420 is a hobby in Canada, eh?)
subscriptions $20;
drugstore $10;
life insurance $125; (hope it's level-fixed term life)
phones $345 (WTF? Doesn't their high-level job provide this?)
RESP $335;
pension plan contributions $880;
group benefits $110.
Keep on pissing it away, good job dumbasses! Your financial planner is free probably, so you get what you paid for.
The only probable positive: they may be paying down the mortgage faster, but I don't see it in the expenses list. I thought Canadians were better than us so-called dummy 'Muricans, but financial illiteracy does not discriminate based on geography.