YOUR DREAMS. YOUR LIFE. SIMPLIFIED. YOUR SFL ADVISOR: BECAUSE EVERYTHING IS POSSIBLE.

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1 YOUR DREAMS. YOUR LIFE. SIMPLIFIED. YOUR SFL ADVISOR: BECAUSE EVERYTHING IS POSSIBLE.

2 Before silencing your phone for your meeting, you put it on the desk to show the person you ve come to see some photos from your most recent trip. You re already planning the next one! But you have other plans, too. You talk about the future, kids, career, mortgage, retirement, all the things you dream of doing, the people who depend on you and the things that worry you. You also talk about the investments that give you peace of mind and security. Your host listens carefully and responds with some ideas. Makes some calls. Suggests approaches. Everything becomes simpler, and possible. For a minute, you even have the impression that she is more passionate about it than you are. That s normal. She s your SFL advisor. YOUR SFL ADVISOR: BECAUSE EVERYTHING IS POSSIBLE A SFL financial services advisor is a professional who can guide you in your financial choices, analyze your situation and present a strategy to help you reach your goals while offering protection from life s unexpected challenges. 1EXPERTISE 1SFL advisors are fully accredited and skilled professionals. They can give you advice that is right for your unique situation, whatever it may be. Focusing on your needs, your values and your priorities, your advisor develops a comprehensive plan using a variety of appropriate investment and insurance solutions. 2 OBJECTIVITY SFL advisors are impartial; they are not tied to specific products or companies. They have access to investment products from more than 80 fund companies* and insurance products from nearly 20 leading insurers. Your advisor makes objective recommendations and, out of the thousands of financial products available, selects the ones that will best meet your specific needs. 3RELEVANCE Your advisor is continually updating his knowledge of the financial security field. By keeping up with the latest developments on the economic front, he can provide you with advisory services tailored not only to your situation but also to evolving market conditions and financial products. Your advisor will regularly send you relevant information that you may find interesting. 4 FAMILIARITY All SFL advisors know their clients well. That s how they can help clients make informed choices and look to the future with confidence and peace of mind. Your advisor is a member of your community who understands where you re coming from. * Only mutual fund representatives associated with SFL Investments have access to mutual funds.

3 SOLUTIONS FOR EVERY STAGE OF YOUR LIFE Your SFL advisor will help you prepare a financial security plan that can evolve over the 2years as your needs change. WHAT ARE YOUR PRIORITIES TODAY? WHAT WILL THEY BE TOMORROW? Reduce your tax bill Organize your personal finances Save for retirement Finance a personal project, a trip, a sabbatical Protect your family s standard of living from unexpected events Shelter your loved ones from the costs and consequences of a loss of independence Facilitate the transfer of your estate to your heirs Financial planning is a way of engaging different mechanisms to help you achieve all your goals, regardless of your situation. COMPONENTS OF A COMPREHENSIVE PERSONAL PLAN PERSONAL FINANCE Budget planning Debt management Project financing INSURANCE Life insurance Living benefit plans INVESTMENTS Investment policy, investor profile and periodic reviews Second opinion on portfolio Improving net worth Systematic personal saving Use of loans to leverage investments TAX PLANNING General assessment Tax analysis of investment portfolios Tax strategies during lifetime, after death, or with foreign assets Government programs RETIREMENT Planning for goals and needs Risk management Accumulation strategies Pay-out strategies LEGAL CONSIDERATIONS Will and living will Marriage or civil union contract ESTATE PLANNING Transfer of assets upon death Testamentary trusts Estate inventory Estate tax assessment

4 FINANCIAL PRODUCTS FOR EACH OF YOUR PRIORITIES Your SFL advisor makes use of a variety of financial products to put all the components of your plan to work. MAKE YOUR PLANS AND YOUR DREAMS COME TRUE Investment products to help you save for retirement or for a project that s important to you. INVESTMENT PRODUCTS Term investments Guaranteed investment funds Mutual funds* FLEXIBLE, TAX-EFFICIENT PLANS ACCUMULATION PLANS Tax-Free Savings Account (TFSA) Registered Education Savings Plan (RESP) Registered Retirement Savings Plan (RRSP) Locked-in Retirement Account (LIRA) Individual Pension Plan (IPP) PAY-OUT PLANS Registered Retirement Income Fund (RRIF) Life Income Fund (LIF) Locked-in Retirement Income Fund (LRIF) SAFEGUARD THE QUALITY OF LIFE FOR YOU AND YOUR LOVED ONES Insurance products to provide capital or income in the case of an accident, death or health problems, and products to optimize your retirement income. Life insurance Disability insurance Critical illness insurance Long-term care insurance Life annuity * Mutual funds are distributed through SFL Investments.

5 A WHOLE WORLD CONTRIBUTING TO YOUR SUCCESS THROUGH YOUR SFL ADVISOR, YOU HAVE A VAST NETWORK WORKING TO SERVE YOU, AND YOU BENEFIT FROM THE STRENGTH OF DESJARDINS ONE OF CANADA S LARGEST FINANCIAL INSTITUTIONS. All SFL advisors are members of the extended family of SFL Partner of Desjardins Financial Security network. They are also backed by the expertise of the multidisciplinary team at their financial centre, a valuable source of skillful, knowledgeable support. They always have access to specialists who can complement their own expertise, particularly in such areas as law, taxation, estate planning and accounting. 1 Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company. All figures as at December 31, 2013.

6 SOLUTIONS FOR EVERY STAGE OF YOUR LIFE. BECAUSE EVERYTHING IS POSSIBLE. Registered trademark owned by Desjardins Financial Security 14147E06 (14-08)

YOUR DREAMS. YOUR LIFE. SIMPLIFIED. YOUR DFSIN ADVISOR: BECAUSE EVERYTHING IS POSSIBLE.

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