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Page 2- ca Cuvee’ orn woe TODD SIMPSON INSURANCE SERVICES RR #5 CALEDON EAST Service isn’t just in my name, it's my business!!! Saas in Home and.Farm Insurance * Personalized Service * Discounts Available CALL ME. I CAN HELP! 1-800-268-43?? GEORGE WAGNER CHARTERED ACCOUNTANT | © PERSONALIZED FULL RANGE OF SERVICES TO THE SMALL BUSINESS COMMUNITY AND INDIVIDUALS @ CONVENIENT AT HOME, EVENING & WEEKEND APPOINTMENTS ALSO AVAILABLE |_| @ INDIVIDUAL, BUSINESS, FARM, ESTATE, & CORPORATE TAX SERVICES @ AUTHORIZED BY REVENUE CANADA TAXATION TO ELECTRONICALLY FILE (EFILE) INCOME TAX RETURNS DIRECT TO OTTAWA -FAST REFUNDS IN LESS THAN 3 WEEKS - IF YOU HAVE PREPARED YOUR OWN RETURN I'LL EFILE IT FOR A NOMINAL CHARGE 2m ST. cHORGEOWN 873 81.00 January 13, 1993 ] What is financial planning? What is Financial Planning? Everyone needs to plan their finances in order to meet their goals and have money left over to spend. Four agents from SunLife of Canada will present a seminar on financial planning Wednesday January 20, 1993, at the John Elliot Theatre. Alec Munro, a Georgetown resi- dent, feels it is important that peo- ple know and understand their options when planning their finan- cial futures. “The seminar which we-are offering in Georgetown is designed to help local people plan their financial matters better. People must understand how the new rules in RRSP’s and RRIF’s can best be used to their advan- tage.” These will be explained at the seminar in a simplified fashion. A good financial plan must be reviewed and changed regularly to reflect current personal goals and objectives. Most people look for good opportunities to invest their money, but should the return on their investment decline, where do they look for alternatives and advice? Many questions arise when look- ing at what constitutes good advice. Has your advisor passed and quali- fying examinations to authorize them to give advice? How sound is the advice or the investments they represent? Does your advisor repre- sent a known and reputable compa- ny? How good is the company’s performance record? With the present down turn in the economy and many companies and entrepreneurs offering to sell, you must think of the return of your money, not just the return on your money. It is important then to look to a strong, quality company like SunLife when making invest- ment decisions. SunLife is able to offer many types of investments, as well as life and disability insur- ance. Investments can include GIC’s, mortgages, mutual funds, and other savings vehicles for Registered Retirement Savings How Do YOU MANAGE TO REACH YOUR FINANCIAL GOALS? ATRI TRIMARK FUND 14.8% 3 YEARS 45.8% 1 YEAR MARK WE MANAGE. MUTUAL FUNDS TO OUTPERFORM. 18.1% EMBER 30, 1902 16.3% 10 YEARS All returns, audited by Emst & Young, Chartered Accountants, reinvested. and distributions William T. Hopkins 20 Black Creek Court Georgetown, Ontario L7G 4S5_ Phone 873-2381 REGAL CAPITAL PLANNERS LID. 4 Pees Sve Georgetown, Ontario L7G 4P3 Phone 877-7216 Read your Alec R. Munro, Life Underwriter Plans (RRSP), Registered Retirement Income Funds (RRIF), and Registered Education Savings Plans (RESP). In the present economy, with interest rates low, more and more people are looking at other vehicles to provide better returns. Cary Kreuzwiesner, an agent from Bolton, states that putting a portion of your investments into mutual funds can offer. better returns over the medium to longer term. “SunLife of Canada offers a full range of these products through subsidiary companies, Spectrum and Calvin Bullock Group of Funds. These offer better longer term opportunities for investing RRSP funds where the objective is to obtain the best return until the funds are needed, normally retire- ment.” For people who are close to retirement, or are already retired, an important objective is to maxi- mize their pension income and maintain the value of their estate. How can you do this? This seminar will highlight major points that people can use to help them achieve this goal. Today, with fewer companies offering top notch pension plans, and the uncertainty surrounding the future availability of Government benefits, individual RRSP’s could the main source of income. The primary goal for people then is to build a comfortable retirement income and not use up all of their funds too early and have nothing left. Rick Dixon, from Mississauga, says that putting your RRSP funds to work by providing retirement income, people should understand the advantages of annuities as well as RRIF’s so they can make the best choice for their situation. “It could be to many people’s benefit to take advantage of both. By doing this, a person avoids putting all their eggs into one basket and ensures a lifetime income.” Life insurance companies are in the enviable position of being able to offer you both life annuities and RRIF’s, unlike other financial insti- tutions who have less flexibility of choice. They offer RRIF’s but must buy their annuities from an insur- ance company. Why deal with a middleman Harry Gregg, a former banker from Mississauga, states that insur- ance can play an important role in planning your future, an element which is often overlooked by many planning consultants. “How many people have considered ways life insurance can help to pass on to the next generation what we have built during a lifetime. A large percent- age of the wealth in Canada is in the hands of people over age 45. They have spent considerable time and effort building up their assets.” w can you ensure that your ben- eficiaries will receive what you want to pass on? “One of the main points of this seminar will cover how you can achieve your goals without worrying about your heirs having to sell assets to keep Revenue Canada from coming in and taking a large chunk of your hard earned estate in order to pay the required taxes.” Most people try many invest- ments during their lifetimes. They then begin to consolidate their investments to make them easier to manage. This is what a financial plan does for people. It helps them keep everything simple and man- ageable. At this time of the year, many of us go to our banks or trust companies to put money into am RRSP to obtain the tax savings without true understanding of where our funds are beings invest- ed. Is there an easier way to be cer- tain that you get your maximum RRSP tax savings and also save time and effort? Most people should consider putting a monthly amount into their RRSP. This will help maximize their RRSP contri- bution and also get a second advan- tage of compounding on their money earlier. This will be dis- suse in more detail at the semi- = Pia to attend this free seminar at the John Elliot Theatre in Georgetown on Wednesday, January 20, 1993. It will be an hour or so, well spent to learn more about how to plan your future from four knowledgeable agents repre- senting one of North America’s largest and strongest financial insti- tutions-SunLife of Canada. = The Partners of | O'CONNOR MACLEOD are pleased to announce that PAUL D. STUNT, former Crown Attorney for Halton i joined the firm on January 1, 1993 and will carry \\\\\ on a Criminal and Civil Litigation practice ; Be ircre ce Mas SOS RC O'CONNOR | | MACLEOD i Poaceae ee 700 Kerr Street, Oakville, Ontario Canada L6K 3W5 ‘Telephone: (416) 842-8030 * Facsimile: (416) 842-2460 134 Main Street South, Georgetown, Ontario L7G 3E6 Telephone: (416) 873-8000 * Facsimile: (416) 873-7865 =