Assante advisors in Ontario with published retirement income planning information

…and implementation of their investment programs. She provides financial advice to clients to help them identify and achieve their financial goals. She is well versed with registered plans (RRSPs, RRIFs, TFSAs, RESPs) as well as tax-efficient investing for open (non-sheltered) investment accounts. Andrea was born and raised in Toronto and enjoys travelling, hiking, watching ballet and spending time with her friends and family.

Arnie is a lifelong resident in the Kitchener-Waterloo region with over 40 years experience in financial planning . Arnie is dedicated to helping clients reach their financial goals. He has been life insurance licensed since 1981 and Mutual fund licensed since 1998. Arnie specializes in retirement income planning and estate protection.

…little to invest. We believe, there is no such thing as a bad time to start, or an investment too low. Everyone starts somewhere. Below is a list of our financial planning services, and when you’re ready, reach out to us and we will find which one is right for you. Tax and Estate Planning Strategies Wealth Management Retirement Income Planning Business Succession Planning Investment Advice Charitable Giving Insurance Solutions

…vices Include: *Produc ts offered through Assante Estate and Insurance Services Inc. RRSP, LIRA, LRSP and OPEN Accounts RRIF and LIF Accounts RESP Accounts (RESP) Tax Free Savings Accounts (TFSA) Registered Disability Savings Accounts (RDSP) Retirement and Estate Planning Stocks and Bonds Limited Partnership Flow Through Share Mutual Funds Life Insurance and Segregated Funds* Long Term Care Insurance* Critical Illness Insuranc…

Investment Advice and Management - Investments, RRSPs, RRIF’s, RESPs and Tax Free Savings Accounts (mutual funds, segregated funds, GICs, and advanced portfolio strategies that are client customized for specific financial goals, risk tolerance levels and timelines at the portfolio level; and managed tactically at the pool level by world-class investment managers. Comprehensive wealth planning that address client specific needs…

Insurance planning *Insurance products and services are provided through Assante Estate and Insurance Services Inc. Tax and estate planning Retirement income planning Business succession planning Investment planning advice Cash management Charitable giving Mortgage and debt management Insurance planning *Insurance products and services are provided through Assante Estate and Insurance Services Inc.

…nancial affairs to formulate a plan that encompasses your entire financial well-being, from investments and insurance, to tax planning and estate planning. Discover the Assante difference. Call me to discuss: Tax and estate planning Retirement income planning Investment planning advice Mortgage and debt management Insurance planning Insurance products and services are provided through Assante Estate and Insurance Services Inc.

Registered Retirement Savings Plan (RRSP) Registered Retirement Income Fund (RRIF) Registered Education Savings Plan (RESP) Locked-In Retirement Account (LIRAs), Life Income Fund (LIF), Locked-in Retirement Income Fund (LRIF) Annuities

- Tax and estate planning - Retirement income planning - Business succession planning - Investment planning advice - Cash management - Charitable giving - Mortgage and debt management - Insurance planning Insurance products and services are provided through Assante Estate and Insurance Services Inc.

…(from school graduation to retirement); wealth protection once financial security is achieved; and converting wealth to income in retirement years. For clients, "wealth" is more than money - it is their ability to do what they want, when they want and how they want, throughout all the stages of their lives. Heather seeks to understand the things in life that are important to you, and then work with you to translate those dream…

…ies for individuals and small business. 2. Retirement Plans 3. When wil be good time to start taking CPP ( at the age of 60, 65, or 70)? 4. When will be good time to start withdrawals of RRSP and RRIF? 5. How to maximize your Government Senior Benefit? 6. How to manage your retirement savings and invstments wisely? Seminar Registration and information request For time and location of seminars, please email to iwong@assante.com

We have access to many retirement income products. Based on your income goals, investment risk tolerances, and time horizons, we will tailor an income strategy for you. This could include regular mutual funds, to guaranteed income for life, to annuities. The options are almost endless. We will meet with you to customize a plan and then visit it regularly to ensure that the plan is meeting your goals and objectives for a happy…

…, Retirement & Tax Planning Treasury Bills, GIC's, Bonds, Stocks, and large array of Mutual Funds Self-directed RRSP's, RRIF's, RESP's. Insurance, Estate & Succession Planning Services Make the best financial decisions for you! Assess your current situation and make planning recommendations to help you reach those goals. Provide comprehensive investment advice based on a balanced portfolio philosophy Protect your lifestyle by…

…of insurance can do more than protect your family and business. It can offer tax-sheltering investments, supplementary retirement income, plan your business or cottage succession, and offset estate taxes. Many people view insurance with skepticism but the fact is that insurance can play a valuable role in your life, especially the more complex your needs become. In the midst of illness, job loss, and unexpected expenses, incl…

…formulate a plan that encompasses your entire financial well-being, from investments and insurance, to tax planning and estate planning, to your personal and family wealth, to your business interests. Discover the Assante difference. Call me to discuss: Tax and estate planning Retirement income planning Business succession planning Investment planning advice Cash management Charitable giving Debt management Insurance planning

Call me to discuss: Insurance planning Investment planning advice Cash management Mortgage and debt management Retirement income planning Tax and estate planning Business succession planning Charitable giving

…x planning and estate planning, to your personal and family wealth, to your business interests. Discover the Assante difference. Call us to discuss: Tax and estate planning Retirement income planning Business succession planning Investment planning Education savings plans Charitable giving Disability savings plans Insurance planning Insurance products and services are provided through Assante Estate and Insurance Services Inc.

Please join me at our next Retirement income Planning workshop. This workshop will help you determine the best choices for your unique circumstances to ensure a successful retirement. You will have knowledge and resources to: - Structure your retirement income to provide sustainable income for life - Determine how and when to convert your Registered Retirement Savings Plan (RRSP) to a Registered Retirement Income Fund (RRIF) -…

…plan that encompasses your entire financial well-being, from investments and insurance, to tax planning and estate planning, to your personal and family wealth, to your business interests. Discover the Assante difference. Call me to discuss: Tax and estate planning Retirement income planning Business succession planning Investment planning advice Cash management Charitable giving Mortgage and debt management Insurance planning

…Estate Planning - Cashflow and Mortgage consultation - Registered investments including RRSP's, TFSA's, RESP's, RDSP's. RRIF's, LIRA's and LIF's - Non registered investments - Life insurance - Disability insurance - Critical illness insurance - Group benefits - Group RRSP's and TFSA's - Mutual funds, Segregated mutual funds, annuities, GIC's and Managed money solutions Insurance products and services are provided through Assan…

…are families, who are going through the same challenges and opportunities we have with our own families. Whether it be retirement income planning, navigating the markets, cottage succession planning, business exit strategies or even putting our kids through school. The advice we give reflects the understanding that families work hard to provide for today, to save for the future, and most importantly protect what they have wor…

⏳ Retire with Confidence Your golden years should be stress-free. We help you navigate RRSPs, RRIFs, and pension strategies to create a steady income stream in retirement. Whether you’re just starting or approaching retirement, we will support your financial future to help keep it secure.

…mpany for the purchase of a life annuity, transferred to a pension plan, or used to purchase a Life Income Fund (LIF). (RRIF) Registered Retirement Income Fund While RRSPs and LIRAs are used to save for retirement, the plans ending in "IF" are used during retirement to pay out retirement income. A RRIF is a continuation of your RRSP, and like an RRSP, the money in a RRIF is tax-sheltered until you withdraw it. (LIF) Life Incom…

…n in-house network of wealth planning experts including investment analysts, accountants, lawyers and estate planning consultants. We pull all the pieces together to provide you with the big picture – an overall perspective that integrates all aspects of your situation - Tax and estate planning - Retirement income planning - Business succession planning - Investment planning - Cash management - Charitable giving and much more.

…n that encompasses your entire financial well-being, from investments and insurance, to tax planning and estate planning, to your personal and family wealth, to your business interests. Discover the Assante difference. Contact me to discuss: Tax and estate planning Retirement income planning Business succession planning Investment planning advice Cash management Charitable giving Mortgage and debt management Insurance planning

…l-being: investments, insurance, tax planning, estate planning, personal and family wealth and any business interests you many have. Discover the Assante difference. Contact me to discuss: Investment Planning Advice - TFSA's Retirement Income Planning Tax and Estate Planning Insurance Planning Education Planning Disability Planning Mortgage and Debt Management Cash flow Management Business Succession Planning Charitable Giving

…ical illness insurance driving sales growth In-depth interview in My Business Magazine on “Creating Maximum Impact for Clients" Should you invest in small bits or big chunks? Six Key Guidelines for RRIF Investors Kids in A Candy Store - Investment Executive's HNW Guide Interview in the Wealth Professional Magazine Interview in the Globe & Mail about focusing on bite-sized goals helps people overcome their financial blind spots

…lanning and estate planning, to your personal and family wealth, to your business interests. Discover the Assante difference. Call me to discuss: Tax and estate planning Retirement income planning Business succession planning Investment planning advice Cash management Charitable giving Mortgage and debt management Insurance planning Insurance products and services are provided through Assante Estate and Insurance Services Inc.

…LLP,CPA’s. _______________________________ Root Bissonnette Walker LLP Leverage Investment (borrowing to invest)* RRSP/RRIF Meltdown (reducing taxable retirement income while increasing after-tax cash flow) Flow-through Limited Partnerships (alternative tax deduction to RRSPs) ** Corporate Class mutual funds (deferring investment income/tax-preferred form of investment income) *** Diversifying Investment income type (capital…

Call us to discuss: Tax and estate planning Retirement income planning Business succession planning Investment planning advice Cash management Charitable giving Mortgage and debt management Insurance planning Insurance products and services are provided through Assante Estate and Insurance Services Inc.

…ffairs to formulate a plan that encompasses your entire financial well-being, from investments and insurance, to tax planning and estate planning, to your personal and family wealth, to your business interests. Discover the Assante difference. Contact us today to discuss: Tax and estate planning Retirement income planning Business succession planning Investment planning advice Insurance planning Your Complete Financial Picture