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Wedding GuideA special supplement provided by The Oakville BeaverMerging your money at the altarNC) - It's not unusual for couples to spendmore than $20,000 on their wedding.Unfortunately, the bride and groom may face anoverwhelming debt load when the honeymoonis over.Practice financial fidelitySpend time figuring out your combinedfinancial picture. Talk about spending habitsand determine your shared savings and debt.Make paying off your wedding debt a prior-Being financially responsible is the key to handlingity so that it doesn't linger for years, says Lizthe inevitable debt of a wedding and planning forLunney, senior vice president, Fiduciary Trustyour future together.Company of Canada.Get professional adviceinvestments? Address these questions immedi-A financial advisor can help you and yourately.spouse determine your goals and build a long-Emergency savings can provide security ifterm plan. unforeseen expenses such as unemployment orIt's important to review assets, liabilities,health problems occur. Maximize your savingsinvestments and retirement savings. Morewith a Tax-Free Savings Account (TFSA).information on financial planning is available atInvestors can contribute up to $5,000 annuallywww.fiduciarytrust.ca.and gains are tax-free.Financial compromises will have to be4. Review your planmade to ensure you will be able to pay forLife events will change your goals andexpenses and save for your future, added Ms.spending habits. If you are buying a house orLunney.having children, you will need to revise yourMerge expenses and save for a rainy daybudget, cover insurance needs, contribute moreWill you open a joint bank account? Whoto savings and ensure that your plan still meetswill pay the bills? Should you combine youryour goals.ING TOEEDS: Personalized ServicesSpecializing in Outdoor Weddings Cocktails Parties, Buffets,or Full Dinner Service Event Planning, Staffing, Valet Rentals, Flowers and Music available Servicing Oakville, GTA, and Cottage Country905-845-1570info@jenniferskitchen.ca25 Friday, January 28, 2011 OAKVILLE BEAVER www.oakvillebeaver.com