Assante advisors with published retirement income information

…your main source for all of your wealth needs, I can help you make the right decisions. 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 Life Insurance planning Insurance products and services are provided through Assante Estate and Insurance Services Inc.

…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

Insurance products and services are provided through Assante Estate and Insurance Services Inc. Principal-Protected Notes Mutual Funds GICs Government of Canada Bonds Provincial Bonds Wrap Accounts Group RRSPs RRSPs Tax-Free Savings Accounts (TFSAs) RRIFs RESPs Segregated Funds Annuities Life Insurance Deferred Profit Sharing Plans (DPSPs) Defined Contribution Pension Plan

…ell-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: 902-407-9927 or email bob.mackay@assante.com Tax and estate planning Retirement income planning Business succession planning Investment planning advice Cash management Charitable giving Mortgage and debt management Insurance planning

…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…

…tions when needed to account for these complexities. When appropriate, investment portfolios are altered or rebalanced; retirement income is adjusted to reflect lifetsyle needs; and estate planning strategies are adapted to reflect changes within your family and wealth transfer goals. Our process includes meeting with you on a regular basis.....based on your preferences and requirements. As clients also benefit from the servic…

Call me to discuss: *Insurance products and services are provided through Assante Estate and Insurance Services Inc. Tax planning Divorce and Separation financial planning Retirement income planning Estate planning Investment planning advice Cash management Charitable giving Mortgage and debt management Insurance planning

…to achieve extreme tax efficiency for my clients. We have had a dramatic positive impact with Managers and Executives in the following areas: Executive compensation planning Using universal life insurance as a tax shelter Utilizing flow-through shares to reduce tax Proper estate planning Retirement income planning Risk management with critical illness, long term care and travel insurance Tax-efficient Corporate Class investing

Tax & Estate Planning Retirement Income Strategies Business Succession Planning Investment Planning Advice Cash Management Charitable Giving & more...

Call our team 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

Call me to discuss any of the services mentioned below in more detail or get more information by visiting my comprehensive website . Tax planning Estate planning Insurance planning Retirement income planning Business succession planning Investment planning advice Cash flow and debt management Charitable giving

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

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.

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

…l-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 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* Group Retirement & Insurance Benefit Programs

…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.

Raymond will receive the Pension Income Amount tax credit as he receives income from an eligible pension. The tax credit is $2000 and this will result in $2000 of Raymond’s income being paid to him tax-free. If he allocates part of his pension income to Julie, she is eligible for this credit as well. Raymond and Julie can also take advantage of CPP splitting, which is done at source with CPP. Raymond receives $1100/mt in CPP b…

…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

…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 plannin Retirement income planning Business succession planning Investment planning advice Cash management Charitable giving Mortgage and debt management Insurance planning

…o better the world. Glenn’s passion is sharing his knowledge and ideas, inspiring people to create a big impact. Educating people on the impact of their money. Glenn and his team create Retirement Income Plans that offer confidence in answering the question “will I have enough”. This question is asked in a number of ways however; the main concern people want addressed is that they will not run out of money in their retirement.

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

…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: Mortgage and debt management Insurance planning Tax and estate planning Retirement income planning Business succession planning Investment planning advice Cash management Charitable giving

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.

Tax and estate planning Retirement income planning Business succession planning Investment planning advice Cash management Charitable giving Mortgage and debt management *The Wealth Planning Group is a part of Assante Private Client which is adivision of CI Private Counsel LP, and an indirect, wholly-owned subsidiary of CI Financial Corp.

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) -…