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Do I Need A Financial Planner? Money Matters R. Scott Becksted, BESInvestment Executive A Wealth of Investment Expertise in Halton Hills. Retirement Planning, RRSPs, RRIFs Mutual Funds, Stocks, Segregated Funds GICs, Bonds Fee-based Managed Accounts 905-873-6640 or 905-796-5024 Toll Free: 1-800-263-2454 Fax: 905-450-6343 scott_becksted@scotiamcleod.com www.advisors.scotiamcleod.com/sbecksted ScotiaMcLeod is a division of Scotia Capital Inc., a member of the Scotiabank Group. Do you want a professional who cares, to develop your financial plan and put it into action? 4-348 Guelph St., Georgetown www.piphh.ca or 905-873-1877 - Financial Plans with Implementation - Retirement Income Planning - Estate Planning / Tax Planning - Life, Critical Illness, Disability and Mortgage Insurances - Ongoing Commitment to Clients Providing Unique Financial Planning Solutions Helen MacCormack, CFP Brett Worby, CFP Yorkshire Enterprises Inc. Located at: Knolcrest Centre 360 Guelph St., Unit 47 Georgetown, ON L7G 4B5 Call: 905-873-2697 Email: info@yorkshirent.com www.yorkshirent.com At Yorkshire Enterprises: Pick-Up & Delivery Available. Call to arrange a meeting. Your return is completed by tax professionals with more than 35 years of combined experience. You get our assurance of accuracy and maximum tax savings. Your return will be done while you wait. EFILE services are available. For the same price, wouldnt you rather have your taxes prepared by a Chartered Accountant? Personal & Corporate Tax Return Preparation Accounting & Bookkeeping Schedule of Business Activities Audits, Reviews, Compilations (All Industries)16 Mountainview Rd. S.,Suite 202, Georgetown, ON L7G 4K1 (905) 873-8837 Offering Personalized Service & Competitive Rates for Over 20 Years Financial planning is a process that determines how you can best meet your life goals through the proper management of your finances. The key to effective planning is the ability to take into account all relevant aspects of your situation, identify and analyze your objectives, and determine an appropriate strategy to achieve them. Thinking about these issues might help you to decide whether to go it alone or work with a professional: Do I understand the tax implications of my investment decisions? I know Im not paying too much income tax How hard can choosing my investments be? I have the time and skills to choose investments that are appropriate for my needs. Insurance? Yes, I understand it, and know that I have both the right amount and right coverage for my needs. Retirement income? I know what I have and that Ill be okay. What is the difference between investment planning and financial planning? Could it benefit me to talk to a professional to learn more? I know what my financial legacy will be. Financial planning consists of six distinct steps. These six steps give your certified financial planner a big-picture approach that sets them apart from other financial advisors who have been trained to focus on only one or maybe two aspects of your finances. What are the six steps? 1. Establish a rapport with you. They will explain the issues that are relevant to you, explain the services he or she will provide, explain how they are compensated and ensure a mutual agreement is arrived at as to what is expected of both you and the financial planner. 2. Gather data and determine goals and expectations. Your financial planner will gather information about your financial resources and obligations, as well as any documents needed for the planning process. Theyll help you define your goals, needs and priorities, and any other values or preferences that may impact your plan. 3. Clarify your present financial status and identify any problems and opportunities. Your planner will analyze your current situation with respect to investments, taxation, insurance, retirement planning, estate planning, employee benefits, and any special needs. 4. Develop your financial plan. Your financial planner will develop and prepare a plan tailored to your goals and objectives, time horizon, risk tolerance, and provide projections and recommendations. 5. Implement the plan. Your planner will assist you in implementing the recommendations discussed. 6. Monitor the financial plan. Your planner will periodically evaluate your plan and your progress toward your goals and make adjustments as necessary to help you achieve your financial goals. A review will involve a discussion about any changes in your personal circumstances which may affect your goals. It will include an evaluation of changes in tax laws and economic circumstances which could be important to your situation. They will also look at changing life circumstances such as birth, marriage or retirement that could change your objectives. Please call Partners In Planning Georgetown with your questions, or to book an appointment. 905-873-1877 1 Halton Hills Dr., Halton Hills, ON L7G 5G2 Tel.: 905-873-2600 Fax: 905-873-2347 EMPLOYMENT OPPORTUNITY SURVEY ASSISTANT Posting No. 200810 Reporting to the Manager of Engineering Design and Capital Works, the Survey Assistant will assist the Survey Technician to coordinate and collect base information for utilization by the Engineering Design staff in the design of capital projects following sound surveying practices. Responsibilities: Assist in the completion of pre-engineering surveys, construction layout, storm sewer, property line and tree dispute locates. Update storm sewer, benchmark, and streetlight database. Organize, file and maintain documents in Engineering office. Provide back up Survey Technician duties and construction inspection as required. Qualifications: 2-year Civic Engineering Technician diploma or equivalent education and experience. Registration with OACETT with C.TECH designation. 4 years of experience in a Civil Engineering environment, which includes 2 years credit applicable to obtaining a C.E.T. designation. Knowledge of Microsoft Word, Excel and AutoCAD. Familiar with Nikon AP800 survey equipment and software. Physically able to perform heavy lifting (in excess of 75 pounds), walking and climbing on rough terrain required. Working in high traffic and construction areas also required. Valid Ontario Class G Drivers License with a clean abstract. Annual Salary Range: $43,824 - $52,172 Qualified candidates may submit a detailed resume in confidence to the undersigned by 4:30 p.m., Friday, April 4, 2008. Please quote Posting No. 200810 on your resume. Ms. Jackie Kerr Manager of Human Resources Town of Halton Hills 1 Halton Hills Drive Halton Hills, ON L7G 5G2 Fax: (905) 873-1431 30 We thank all those who apply, but advise that only those applicants selected for an interview will be contacted. Personal information is collected under the authority of the Municipal Act, 2001 (S.O. 2001, C.25) and will be used to select a candidate. Questions regarding this collection should be directed to the Manager of Human of Human Resources. AN EQUAL OPPORTUNITY EMPLOYER 24 Independent & Free Press, Wednesday, March 19, 2008 Welcome to the following comrades, who were initiated at our general meeting held on January 17: Gloria Amodeo, Janice Beauleux, Sarah Edwards, and Debbie Smith. Enjoy the camaraderie. Our meetings are on the third Thursday of each month at 8 p.m. except in July and August. Our Elimination Night on January 18 was another great success and congratu- lations to all the winners. Our next general meeting is on Thursday, March 20 at 8 p.m. Our bazaar convener, Ev Metler, is having a short meeting the same night starting at 7 p.m. for all co-conveners regarding this years November bazaar. To all our comrades who are shut-ins or under the weather, please know we think of you often! Legion Ladies to meet tomorrow JANET MALLOY Georgetown Legion Ladies Auxiliary