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RRSP plans and implications need reviewing but not terribly good at managing them. Managing your RRSPs is critical to your longâ€"term success. Most people are passive managers. It is easier to make particularly with an annual RRSP contribution deadline. But reassessing previous decisions (Continued from page 21) SUNDAY, FEB. 28th, 2 to 4 PM 11727 TRAFALGAR RD., GEORGETOWN NORTH OF MAPLE AVE., SOUTH OF HWY. #7, EAST SIDE Come and see this stunning 2400 sq. ft. bungalow in a 1/2 acre wooded lot. Sunken living room, main floor family room, FP â€" it‘s very unique! $275,000. 92â€"2â€"259 Look what daffodils Survey over 130 institutions (banks, trust companies, insurance companies, mutual fund investment companies) for RRSP investment options Q What‘s The Single Most Important Factor When * Shopping For An RR.S.P? A Independent Financial Advice Retirement Income Planners Independent Financial Consultation On Asset Allocation Timing of Investments, Financial Planning 211 Lakeshore Road East oanlkis in _ 416â€"844â€"3629 usns oneâ€"time 6.875% 6.150% 8.375% 7A00% 7500% MUTUAL FUNDS BOND FUNDS â€" MONEY MARKET FUNDS 100% RRSP ELIGIBLE §P500 STOCK INDEX FUND 18 overlooked. While you are reâ€"thinking your investments, consider _ your overall strategy, too. In many cases, these types of decisions are more important than the actual investment decision. For example, the decision to invest in a Spousal RRSP might be a significant way to MINUTES FROM 401 ON 5 WOODED ACRES This 2300 sq. ft. dream home features cathedral ceilings, skylights, greenhoâ€" sue kitchen, main floor family room, FP, indoor garden, gazebo, 2â€"1/2 car garage. 92â€"2â€"528 Countrywide KIRTON‘S MV.P. often reduce a future tax liability. It is one of the best income splitting strategies available. Assume _ the higherâ€"earning spouse has acquired several investments and will receive a pension â€" during ret1ire ment. En y eytment income, plus pension income, are taxable. Therefore during retirement â€" that 5â€"YR. ACCELERATOR GIC Convertible after 2 yrs Rates subject to change *XXX *XXX X *X *X *X VauasLE ProperRty) inancial ervices 6% 6% 8% individual _ will have a tax problem. It would. be advantageous for that higherâ€"earning individual to transfer _ some Exceptional East Oakville Value $199,000 451 Allan Street OPEN HOUSE SATURDAY SUNDAY 24 p.m. SANDY ZACHERâ€"KING Associate Broker 845â€"9180 assets â€" to his spouse. During retirement, â€" the spouse will be in a lower tax bracket, less taxes will be paid. There are several other types of. ‘issues â€"to consider. The spousal RRSP is just one possibility. The importance is not the A/ZJISCOVER A TRADITION OF FINE DESIGN AND QUALITY CRAFTSMANSHIP INFOUR TOWNHOME RESIDENCES TO BE BUILT IN OLDE OAKVILLE. PEN specifics, but the need to have a periodic review of your RRSP strategy. When it comes to a RRSP audit, there is no time like the present. NVIDIATA, O MA Peter Watson, MBA, CFP, RFP is the president of Peter Watson Investments Limited â€" an Oakville firm specializing in retirement planning, RRSPs and investment planning. He can be reached at 842â€"7602.