ESTATE & FINANCIAL PLANNING SERVICES

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1 ESTATE & FINANCIAL PLANNING SERVICES WORKING TOGETHER TO HELP YOU ACHIEVE LIFETIME FINANCIAL SECURITY Life s brighter under the sun

2 Our lawyer was impressed by the thoroughness of the estate planning advice we received from an EFPS planner and appreciated being kept a part of the planning process. ESTATE & FINANCIAL PLANNING COMMITMENT EFPS planners are full-time salaried professionals committed to providing objective recommendations that are customized to your unique goals and situation. Your Sun Life Financial advisor will help you realize the full value of your personalized financial plan by working with you to put the plan in action. RESPECTING YOUR PRIVACY The information collected by the EFPS planner and your advisor is held in strict confidence in accordance with the Sun Life Financial privacy policy. For more information on how we protect your information, visit

3 OUR HOLISTIC APPROACH Over the years, you ve taken calculated risks and made sound decisions to get where you are today. With a solid foundation of assets in place, you want comprehensive financial advice. As a complement to the services provided by your Sun Life Financial advisor, Estate & Financial Planning Services (EFPS) connects you with a planner who is highly skilled in all facets of financial planning from investment and tax strategies to risk management tactics and wealth protection techniques. For nearly 50 years, EFPS has helped successful people like you continue to grow your wealth and preserve it for future generations.

4 Our lawyer was impressed by the thoroughness of the estate planning advice we received from an EFPS planner and appreciated being a part of the planning process. BENEFIT FROM PROFESSIONAL FINANCIAL PLANNING EXPERTISE IN ALL AREAS OF YOUR LIFE Depending on your needs, your Sun Life Financial advisor may contact an EFPS planner on your behalf to assist with: Estate planning Retirement planning Investment strategies Taxation strategies Contingency planning Business continuation planning Succession planning

5 The EFPS planner fully understood my situation as a self-employed professional and gave me smart recommendations on what I should do to keep my family comfortable if I m no longer able to keep up my practice. THE EFPS DIFFERENCE While many other companies and individuals focus on one or two specific areas of financial planning, very few have the broad-spectrum expertise of an EFPS planner. Rather than treat key elements of your finances in isolation, your planner works closely with you, your Sun Life Financial advisor and your other professional service providers where required such as your lawyer and accountant to create a comprehensive plan for your ongoing financial health. This approach effectively balances both your family and business interests. It also makes it easier to pinpoint potential areas of conflict and ensures recommendations are developed to fit with your overall goals and objectives. All EFPS planners are highly qualified financial professionals who (at a minimum) hold the Certified Financial Planner (CFP) designation (Financial planner (F.Pl.) in Quebec).

6 There was a lot to think about when it came time for our oldest child to take over the family business. EFPS helped us make sure everyone has an equitable share in the legacy we want to leave to our children and grandchildren. UNDERSTANDING YOUR NEEDS With regional offices across the country, an EFPS planner is available to meet with you and your Sun Life Financial advisor in your community. During the initial meeting, the EFPS planner will collect detailed information, which will be used for a number of reasons and may include: an estimate of the tax liability on your holdings and estate, a review of your will and other business documents (e.g. shareholder agreements), an examination of the liquidity of your estate, and a review of your life and health insurance coverage.

7 SPECIALIZED SOLUTIONS After conducting a thorough analysis of your needs, the EFPS planner will present your customized financial plan, with recommendations that may include: tactics to increase the value of your assets for your benefit and the benefit of your beneficiaries, strategies to minimize uncertainties and maximize your retirement income, methods to reduce taxation, and options for business and farm succession planning. ESTATE & FINANCIAL PLANNING SERVICES

8 TOGETHER, WE HELP YOU MAKE THE MOST OF WHAT S YOURS Talk with your Sun Life Financial advisor today about how, together with Estate & Financial Planning Services, we can help you cover your personal and business financial planning needs. Life s brighter under the sun Sun Life Assurance Company of Canada is a member of the Sun Life Financial group of companies. Sun Life Assurance Company of Canada, A1913-E-02-14