YOUR DREAMS. YOUR LIFE. SIMPLIFIED. YOUR SFL ADVISOR: BECAUSE EVERYTHING IS POSSIBLE.
|
|
- Lambert Ford
- 8 years ago
- Views:
Transcription
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.
YOUR DREAMS. YOUR LIFE. SIMPLIFIED. YOUR DFSIN ADVISOR: BECAUSE EVERYTHING IS POSSIBLE. Before silencing your phone for your meeting, you put it on the desk to show the person you ve come to see some photos
More informationTransferring wealth Effective strategies for the typical Canadian
Transferring wealth Effective strategies for the typical Canadian KEEPING IT IN THE FAMILY You ve worked a lifetime to accumulate assets. In fact, the average Canadian family has amassed total personal
More informationPERSONAL INVENTORY OF ASSETS. For an easier transfer of your wealth
PERSONAL INVENTORY OF ASSETS For an easier transfer of your wealth PERSONAL INVENTORY OF ASSETS Are you planning your estate? Would you like to give your loved ones everything they need to manage your
More informationTO HELP YOU MAKE THE MOST OF YOUR RETIREMENT DAYS
RETIREMENT GUIDE TO HELP YOU MAKE THE MOST OF YOUR RETIREMENT DAYS Whether it s a long-term project or a dream that s about to come true, you likely have no shortage of ideas to fill up this exciting period
More informationPreparing for the retirement you want
Preparing for the retirement you want You deserve an enjoyable retirement Retirement is one of life s most significant events. It marks the transition to a new and very wonderful stage of life. You will
More informationMaking the right choice
GROUP RETIREMENT SAVINGS SOLUTIONS Simply let our experts guide you Desjardins & Co. Making the right choice Reference Guide for Employers Group Retirement Savings Products At Desjardins Group, we excel
More informationfinancial planning & advice
financial planning & advice Tips for successful investing. Start early and invest regularly Do your homework take the time to become an informed investor Develop an investment strategy you are comfortable
More informationMEMBER RETIREMENT INCOME OPTIONS Achieve Your Retirement Dreams
MEMBER RETIREMENT INCOME OPTIONS Achieve Your Retirement Dreams Achieve Your Retirement Dreams With a Registered Retirement Income Fund (RRIF) Wise Ways to Make the Most of Your Money Now that you re getting
More informationDonnez-vous les moyens de réaliser vos projets. An investment solution in tune with your needs
Donnez-vous les moyens de réaliser vos projets An investment solution in tune with your needs Melodia Portfolios So much more than an investment solution You ve got obligations, and money just keeps slipping
More informationExpert resources to meet your wealth management needs. RBC Wealth Management Services
Expert resources to meet your wealth management needs RBC Wealth Management Services Much of the expertise that you would normally expect to only find within a Family Office is now available through your
More information> A Lifetime of Financial Security and Peace of Mind
> A Lifetime of Financial Security and Peace of Mind Insurance solutions to meet your personal and business needs ASSANTE ESTATE AND INSURANCE SERVICES INC. Introducing Assante Estate and Insurance Services
More informationLEAVING YOUR EMPLOYER SHOULD YOU COMMUTE YOUR PENSION PLAN?
LEAVING YOUR EMPLOYER SHOULD YOU COMMUTE YOUR PENSION PLAN? Mackenzie Tax & Estate Planning In past years when an individual changed employers, it was pretty much an accepted practice to leave their defined
More informationIntroducing. Tax-Free Savings Accounts
Introducing Tax-Free Savings Accounts Tax-Free Savings Accounts A new way to save Tax-free savings accounts were introduced by the federal government in the 2008 budget as an incentive for Canadians to
More informationThe Family Inventory
The Family Inventory RBC Wealth Management RBC Wealth Management provides comprehensive services designed to address your multi-faceted financial concerns, simplify your life, give you the freedom to pursue
More informationTransamerica Layered Insurance Strategy. It doesn t matter where your story begins
Transamerica Layered Insurance Strategy It doesn t matter where your story begins it only matters where you re going. Imagine your life if things never changed. If everything stayed exactly as it is today.
More informationDeciphering Life Insurance Options: How Choosing the Right Policy Can Help Safeguard Your Earning Potential and Savings
How Choosing the Right Policy Can Help Safeguard Your Earning Potential and Savings 1 Many people think of life insurance as something they ll need when they get a bit older and want to ensure their loved
More informationYour Guide to Retirement Income Planning
Your Guide to Retirement Income Planning Your Guide to Retirement Income Planning 3 Your retirement income plan How to create secure income in retirement Your retirement will be as unique as you are. Travel,
More informationTo simplify matters for my loved ones in the event I become incapacitated or die, I am preparing an inventory of my assets and important documents.
Personal Record of My Assets and Important Documents Personal Inventory of My Assets and Important Documents To simplify matters for my loved ones in the event I become incapacitated or die, I am preparing
More informationTable of Contents. Page 2 of 10
Page 1 of 10 Table of Contents What is an RRSP?... 3 Why should you put money into an RRSP?... 3 When should you start an RRSP?... 3 The convenience of regular RRSP deposits... 3 How much can you contribute?...
More informationImagine Your Future Set YourGoals Chart Your Course. The Importance of Financial Planning
Imagine Your Future Set YourGoals Chart Your Course The Importance of Financial Planning Ask yourself these questions: Financial Planning Provides Direction and Discipline It s important to know where
More informationRetirement income. Disbursement products Annuities, RRIFs and LIFs
Retirement income Disbursement products Annuities, RRIFs and LIFs Disbursement products Make the most of your new lifestyle without financial worries For years now, you have been saving to build retirement
More informationTRANSFERRING Inventory of assets. The importance of informing others of your intentions
TRANSFERRING Inventory of assets The importance of informing others of your intentions This tool will help you pass on important information about yourself to the people you re close to. The information
More informationProtect your business and enhance your financial security. Business Insurance Strategies
Protect your business and enhance your financial security Business Insurance Strategies Ensure your financial security There are often distinct advantages to being a significant shareholder in a private
More informationReuter Benefits Group Plan Member Newsletter September 2009
Reuter Benefits Group Plan Member Newsletter September 2009 Accessing Your Retirement Savings As you approach retirement, you will need to turn your Pension and RRSP, as well as any nonregistered savings,
More informationC o n v e r t i n g Y o u r H o m e s E q u i t y i n t o C a s h
R E V E R S E M O R T G A G E S E R V I C E S C o n v e r t i n g Y o u r H o m e s E q u i t y i n t o C a s h 2010 Wilmington Savings Fund Society, FSB Member FDIC All Rights Reserved 015 6-10 From your
More informationAdministration and Service Fees
Administration and Service Fees Administration and Service Fees ScotiaMcLeod offers a wide range of services to assist you in meeting your investment needs. This brochure outlines service fees which may
More informationInvest. Tax-Free (It will make you smile) Tax-Free Savings Account
Invest. Tax-Free (It will make you smile) Tax-Free Savings Account A Saving & Investing Revolution The Tax-Free Savings Account (TFSA) is considered to be the most important personal savings plan introduced
More informationpersonal retirement account Give your client s retirement plan some real leverage
personal retirement account Give your client s retirement plan some real leverage A retirement savings strategy using universal life insurance Here s the story Janet is 40 and a partner in a large law
More informationYour Home s Equity Can Give Retirement Life a Boost. 2013 Wilmington Savings Fund Society, FSB Member FDIC All Rights Reserved 015 1-13
R E V E R S E M O R T G A G E S O L U T I O N S Your Home s Equity Can Give Retirement Life a Boost 2013 Wilmington Savings Fund Society, FSB Member FDIC All Rights Reserved 015 1-13 From your first savings
More informationThe right plan is the one that can accomplish what matters to you. Dominique Vincent, MBA, CIM Vice President, Portfolio Manager
The right plan is the one that can accomplish what matters to you. Dominique Vincent, MBA, CIM Vice President, Portfolio Manager A clear and simple financial plan: the key to peace of mind. Your family
More informationInvestor Guide. RRIF Investing. Managing your money in retirement
Investor Guide RRIF Investing Managing your money in retirement 1 What s inside It s almost time to roll over your RRSP...3 RRIFs...4 Frequently asked questions...5 Manage your RRIF...8 Your advisor...10
More informationRETIREMENT CHECKLIST MAKING THE MOST OF YOUR RETIREMENT
RETIREMENT CHECKLIST MAKING THE MOST OF YOUR RETIREMENT This document has been prepared for use by RBC Dominion Securities Inc.* and RBC DS Financial Services Inc., (collectively, the Companies ). The
More informationWealth Management Retirement Income Layering
Wealth Management Retirement Income Layering Alan Rowell, MFA, DFA-Tax Services Specialist President, The Accounting Place Agenda Retirement Planning with the End in Mind Sources of Retirement Income Control
More informationLife s brighter under the sun. Sun Life Financial and you
Life s brighter under the sun Sun Life Financial and you It s your financial future. We can help. When it comes to your money, you want to make sure you do the best you can with what you have. With good
More informationFinancial Planning. at Janney Montgomery Scott
Financial at Janney Montgomery Scott W e a l t h M a n a g e m e n t Your life consists of stages. We see it and help you plan for it as a continuous timeline. Financial at Janney Montgomery Scott Living
More informationRetirement Enhancer. A tax-efficient way to enhance your retirement income using universal life insurance
Retirement Enhancer A tax-efficient way to enhance your retirement income using universal life insurance Will you have enough retirement income to fulfil your dreams? Today, many of us are living longer
More informationPersonal inventory of assets and important documents
savings and Guaranteed Investment Funds Protecting your estate Personal inventory of assets and important documents To simplify matters for members of a family, in the event one of them becomes incapacitated
More informationWealth Management Essentials for Oil and Gas Professionals
Wealth Management Essentials for Oil and Gas Professionals Presented By Sean Baylis Investment Advisor Disclaimer Flow-through investments may not be suitable for all investors. Please read the prospectus
More informationPersonal Trust Services
TIAA-CREF Trust Company, FSB Personal Trust Services Transfer assets to your heirs with confidence Many people assume trusts are only for the ultra-wealthy, but that is a misconception. Simply defined,
More informationPLANNING BEYOND TODAY. A Three-Point Approach to Your Business s Success
PLANNING BEYOND TODAY A Three-Point Approach to Your Business s Success The MetLife Premier Client Group (MPCG) knows how hard you work for your business and we want to make sure your business is working
More informationALL To g e Th e R. DIFFe Re NT.
ALL To g e Th e R. DIFFe Re NT. At Acorn Financial Services, our dedicated, knowledgeable, and experienced team of financial professionals strives to meet the needs of our business, individual, and family
More informationEarly Retirement Strategies
If you or a member of your family is facing a permanent lay-off, voluntary early retirement or forced early retirement, there are many important decisions to be made decisions that can have a significant
More informationFinancial Planning: Personal Guide & Checklist
Financial Planning: Personal Guide & Checklist Securities Priscilla Monteith, CPA, CGA, CFP Certified Financial Planner Monteith Financial Group Manulife Securities Incorporated Stephanie Piroli, BAccS,
More informationRetirement Planning Your Retirement Transition Plan
Retirement Planning Your Retirement Transition Plan Planning Your Retirement Picture Your Perfect Retirement What do you want your retirement to look like? The definition of retirement has changed. Today,
More informationprivate client managed portfolios
private client managed portfolios Simplify, preserve and enhance. Your wealth is the cumulative result of your hard work, discipline, and astute management. Yet the opportunities it affords may also come
More informationHow To Invest In A Tax Free Savings Account
INVESTMENTS Tax-Free Savings Account Your guide to the Tax-Free Savings Account An important part of any financial plan is savings. Short-term goals such as a vacation or long-term goals like retirement
More informationCompleted by. Date. Personal Viewpoint
Completed by Date Personal Viewpoint An overview of your financial development, income protection, life insurance coverage, and estate organization from your point of view. your personal views. A- Essential
More informationGuide. For advisor information only. B2B Bank Dealer Services
Guide For advisor information only B2B Bank Dealer Services About us B2B Bank Dealer Services is one of Canada s largest carrying dealer organizations, providing account administration, clearing and settlement,
More informationLife insurance. Shedding light on. a practical guide to helping you achieve a lifetime of financial security
Shedding light on Life insurance a practical guide to helping you achieve a lifetime of financial security Learn more about: Safeguarding your loved ones Protecting your future Ensuring your dreams live
More informationProtect your family s legacy with estate planning
RBC Life Insurance Company Protect your family s legacy with estate planning RBC Guaranteed Investment Funds What is estate planning and who should consider it? Your estate is the sum of your lifetime
More informationRetirement. Income. your way
Retirement. Income. your way YOUR GUIDE TO SUNFLEX RETIREMENT INCOME Life s brighter under the sun Table of contents Introduction... 3 The five retirement risks... 4 Money for Life... 5 Product Overview
More informationHow To Plan For Your Financial Future With Life Insurance
Unlocking Life s Possibilities Introducing a new perspective on life From home to work to retirement, the path of life is full of changing needs, dreams, happy moments, surprises and sometimes, unpredictable
More informationF O R Y O U R F A M I L Y
FOR YOUR FAMILY Your partner or loved ones will face many decisions upon your death. We hope this brochure makes it easier for them to make those decisions then and easier for you to talk with them about
More informationAll the answers you need
For representatives use only JANUARY 2015 All the answers you need Savings products sales guide Inside: Quick reference guide on our savings products Desjardins Insurance refers to Desjardins Financial
More informationFinancial Strategies for the LGBT Community
Financial Strategies for the LGBT Community with PLANNING for the unique ifs in your life. When it comes to planning in today s financial world, there are many ifs in life uncertainties that can derail
More informationhelping you HBL Group llc navigate life s Insurance & Financial Services changes
HBL Group llc Insurance & Financial Services navigate life s changes helping you Behaviors are beliefs turned into action and are what deliver results. About HBL HBL was founded with the idea in mind that
More information> The Role of Insurance in Wealth Planning
> The Role of Insurance in Wealth Planning Tax-sheltered investing using life insurance A S S A N T E E S T A T E A N D I N S U R A N C E S E R V I C E S I N C. Tax-sheltered investing using life insurance
More informationA guide to InnoVision
A guide to InnoVision Universal Life THE MANUFACTURERS LIFE INSURANCE COMPANY InnoVision insurance that fits your life Your decision to buy life insurance is a responsible choice made to protect the future
More informationTHE PARTIAL MANDATE. As the name suggests, a partial mandate is a mandate for clients who do not need complete integrated financial planning.
THE PARTIAL MANDATE What is a partial mandate? As the name suggests, a partial mandate is a mandate for clients who do not need complete integrated financial planning. How to proceed with a partial mandate
More information4Needs your WHAT S AFTER? ELIMINATE DEBT THE FEWER DEBTS, THE BETTER! Wills and Trusts; Reviewing These Are a Must
YOUR SOURCE FOR RETIREMENT PLANNING AND POSSIBILITIES e > N xt WHAT S AFTER? But first, some things to think about before 4Needs your retirement income should meet ELIMINATE DEBT THE FEWER DEBTS, THE BETTER!
More informationThe Individual Pension Plan. An opportunity to have your cake and eat it too!
Special Report An introduction to: The Individual Pension Plan An opportunity to have your cake and eat it too! Gerard Hass, CA, CFP, CFA Portfolio Manager Raymond James Ltd. 1 What is an Individual Pension
More information> The Role of Insurance in Wealth Planning
> The Role of Insurance in Wealth Planning Executive retirement solutions A S S A N T E E S T A T E A N D I N S U R A N C E S E R V I C E S I N C. Executive retirement solutions Everyone wants enough retirement
More informationTAX-FREE SAVINGS ACCOUNT (TFSA)
TAX-FREE SAVINGS ACCOUNT (TFSA) DO YOURSELF A FAVOUR! Like paying less tax? Don t we all! And just think of what you could do with the extra money: Travel the world Take time off work Retire early Spoil
More informationDISCOVER YOUR FINANCIAL NEEDS
DISCOVER YOUR FINANCIAL NEEDS Financial Needs Pyramid Tax shelters Asset accumulation Loans/mortgage Short-term cash flow Insurance n life, general, disability, will, living will, POA Protection is to
More informationCONNECTION. BIG picture. ...and see the MAKE THE CONNECTING INVESTMENT ADVICE INVESTMENT ADVICE WEALTH PROTECTION REAL SOLUTIONS
CONNECTION MAKE THE INVESTMENT ADVICE WEALTH PROTECTION REAL SOLUTIONS...and see the BIG picture with with Money for Money Life for Life CONNECTING INVESTMENT ADVICE with wealth protection solutions Scotia
More informationpensions backgrounder #4
pensions backgrounder #4 Private Retirement Savings Part 4 in a Series The full series of pension backgrounders are contained in the National Union s Pensions Manual, Fourth Edition available from the
More informationRetirement income. LifeAnew A deferred life annuity that s 100% guaranteed for life
Retirement income LifeAnew A deferred life annuity that s 100% guaranteed for life LifeAnew Maintain your standard of living when you retire If you are between the ages of 40 and 60 and you want to plan
More informationGUIDELINE NO.X DEFINED CONTRIBUTION PENSION PLANS GUIDELINE
GUIDELINE NO.X DEFINED CONTRIBUTION PENSION PLANS GUIDELINE JULY 13, 2012 Table of Contents PURPOSE... 3 EXISTING CAPSA GUIDANCE RELATED TO DC PENSION PLANS... 3 APPLICATION OF THE DC PENSION PLANS GUIDELINE...
More informationYou and Your SEVERANCE: Mackenzie Tax & Estate Planning
You and Your SEVERANCE: PUT YOUR MONEY TO WORK Mackenzie Tax & Estate Planning 1 2 Are you facing a change in your employment? Severance, early retirement, extended layoff? Transitions like these can be
More informationCredit Protection Insurance. Protection covering all your financing needs
Credit Protection Insurance Protection covering all your financing needs Credit Protection Insurance Achieve your financial goals with peace of mind! You ve just been approved for the financing you need
More informationDo You Have the Right Life Insurance?
Do You Have the Right Life Insurance? Having adequate life insurance should be an important part of your financial planning. The type(s) you choose will depend on your needs and goals. Life insurance was
More informationFor advisor use only Advisor Guide
For advisor use only Advisor Guide RBC Payout Annuities 2 RBC Payout Annuities: Advisor guide What you and your clients need to know about payout annuities In an uncertain financial world where guarantees
More informationRetirement Planning Workshop
Retirement Planning Workshop Agenda What is Retirement Planning? Why Plan for Retirement? 5 Key Risks to secure income Goal Setting Retirement Income Considerations Asset Accumulation Considerations Tom
More informationRegistered Retirement Income Funds
Registered Retirement Income Funds Registered Retirement Income Funds Most Canadians are familiar with registered retirement savings plans (RSPs). Many spend decades accumulating wealth in these tax deferred
More informationCOMPREHENSIVE WEALTH MANAGEMENT
PRIVATE CLIENT TM COMPREHENSIVE WEALTH MANAGEMENT ASSANTE A OUR GOAL is to simplify and enhance the lives of our clients by serving as their financial advisor managing their assets and lifestyle needs
More informationGIVE YOUR Parents a Retirement pension
GIVE YOUR CLIENTS A RAISE, LONG AFTER THEY RETIRE The executive retirement account A strategy using exempt life insurance. Here s the story Robert, 45, is the owner-manager of ABC Manufacturing (ABC) and
More informationDestiny. a guide for clients
Destiny a guide for clients 1 For those who prefer choice over chance Destiny is universal life insurance that provides a broad spectrum of choices to protect your life, your investments, and your business.
More informationInvestor Profile Questionnaire
Investor Profile Questionnaire Making the right investment choice about your universal life investment portfolio always starts with an understanding of your personal goals and objectives. Working with
More informationTHE TAX-FREE SAVINGS ACCOUNT
THE TAX-FREE SAVINGS ACCOUNT BY READING THIS DOCUMENT, YOU WILL: Know the different features of the TFSA Master the differences between a contribution to an RRSP or a TFSA Identify target clienteles. Last
More informationHow To Use A Massmutual Whole Life Insurance Policy
An Educational Guide for Individuals Unlocking the value of whole life Whole life insurance as a financial asset Insurance Strategies Contents 3 Whole life insurance: A versatile financial asset 4 Providing
More informationA personal approach to financial planning. Welcome to Towry. www.towry.com
A personal approach to financial planning Welcome to Towry www.towry.com I have been advised by Towry for approximately six years and have been delighted by the highly personalised service they provide.
More informationWe keep our promises.
We keep our promises. So you can keep yours. It s a selfless act. The decision you make today is for someone else s future. Purchasing life insurance is about more than just planning for the future. It
More informationGuaranteed Protection Universal Life. Discover What s Possible
Guaranteed Protection Universal Life Discover What s Possible Guaranteed Protection Universal Life Peace of mind for you, protection for your heirs As the center of a sound financial plan, permanent life
More informationFor those who prefer choice over chance
Destiny insurance For those who prefer choice over chance Make the decisions that will control your destiny Destiny * insurance is universal life insurance that provides a broad spectrum of choices to
More informationTAX-EFFICIENT INVESTMENT STRATEGIES FOR EVERY LIFE STAGE: THREE CASE STUDIES
Page 1 of 5 TAX-EFFICIENT INVESTMENT STRATEGIES FOR EVERY LIFE STAGE: THREE CASE STUDIES March 06, 2012 Jordan Dancey has just started his first full-time job. Bill and DeeDee Williams are in their 50s,
More informationTAX-FREE SAVINGS ACCOUNTS (TFSAs) Investor Guide
TAX-FREE SAVINGS ACCOUNTS (TFSAs) Investor Guide Introduction Since its introduction in 1957, the Registered Retirement Savings Plan (RRSP) has been one of the best tax shelters available. Aside from RRSPs,
More informationGROUP LIFE INCOME FUND (LIF) FOR MCGILL FACULTY & STAFF
GROUP LIFE INCOME FUND (LIF) FOR MCGILL FACULTY & STAFF MY GROUP LIF/RIF PLAN... IN BRIEF At the earlier of your retirement date and attaining age 65, you will be eligible to start receiving a retirement
More informationEMPIRE CLASS SEGREGATED FUNDS INFORMATION FOLDER AND POLICY PROVISIONS THE EMPIRE LIFE INSURANCE COMPANY
THE EMPIRE LIFE INSURANCE COMPANY EMPIRE CLASS SEGREGATED FUNDS INFORMATION FOLDER AND POLICY PROVISIONS This document contains the information folder and the contract provisions for the Empire Class Segregated
More informationWelcome to Aspire. Expert financial advice for you
Welcome to Aspire Expert financial advice for you Welcome to Aspire At Aspire we have one goal in mind to give you the financial advice you need and complete peace of mind that your finances are in the
More informationParticipant s Guide to Group RRSPs
Participant s Guide to Group RRSPs Table of Contents What Is a Group Registered Retirement Savings Plan (RRSP)?... 2 How Does It Work? How Do I Get Started? Investment Options... 3 Variable RRSP Guaranteed
More informationYour pension benefit options
2 Your pension benefit options Traditional pension plans generally provide the option of a lump-sum payment or a fixed monthly payment for life through an annuity. The fixed monthly payment amount is usually
More informationProtecting Your Loved Ones Every Step of the Way
Protecting Your Loved Ones Every Step of the Way Gerber Life Insurance Company Gerber Life Insurance Company, White Plains, NY 10605 5/10/2011 Gerber Life Insurance Company is a financially separate affiliate
More informationIs Your Overall Financial Strategy In Sync?
Is Your Overall Financial Strategy In Sync? We Can Help You Find The Answer. Taking Time Out for a Valuable Review Like many people, you may have reached a point in life where you have accumulated significant
More informationa b Welcome home Make your dream of owning your own home come true with UBS s versatile financing products
Welcome home Make your dream of owning your own home come true with UBS s versatile financing products A quick guide to everything you need to know about home financing. Contents The basics 4 Advice 6
More informationTotal Financial Solutions. Practical Perspectives on Estate Planning
Total Financial Solutions Practical Perspectives on Estate Planning Contents Why estate planning? 2 A holistic approach 3 Where to start 4 Examine all aspects of your life to 4 ensure your estate plan
More informationRetirement Plans 401(k) s Cash Receivables Businesses Real Estate Investment Accounts. 8 Risks You Must Overcome
The Financial Survey A Professional Process to Overcome the Risks to Financial Success Retirement Plans 401(k) s Cash Receivables Businesses Real Estate Investment Accounts External Risk Inflation Higher
More information