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Wednesday 12 For financial advice independent is important Herald Special Financial adici can be costly or can be free For who hive a great deal of or are paid of corporations the or the can afford a financial plan or more per hour or her Problem is the can afford these senitts it is Mr and Mrs Average citizen who use the advice of a financial expert There are financial ad consultants experts or what eer wish to call them who will free In fortunalel mam are connected to financial institution and are tring to sell their product We run across financial ad who charge hundreds of dollars and don t know what a mutual fund withdrawal plan is and how it can pie an almost tax free income Whereas there are free ad ho know these things because are offering them to the public is onh the opinion of so meone who has studied financial planning and those opinions can from person to person Here is where dealing with in independent advisor is tant In financial planning the 10 most important things to plan for is jour living estate and death estate On top of that is the objective of minimizing taxes and the effect of inflation both while alive and in passing on estate to vour heirs there are people qualified in all of these things who will do vour plann for tree in the hope of sell of their products The independent isor is not employed one bank trust or life insurance com panj and has both investments and life insurance available from a large variety of com panics is seeking programs through those companies that meet jour needs He she ma have available as manj as too different mutual funds rates ind programs for 30 or trust insurance companies tax limited partnerships is well as government fixed rate in vestments it is because of his or her in dependence that can find the product within those to meet client needs Often you will find that advisors who are employed by finanti in stitution and have only tht finan products of that institution to offer hisher clients They may or may not be best suited to your needs HEART AND STROKE FOUNDATION OF ONTARIO Improving your odds against killer ITS YOUR MONEY Paul J Ttv to find the independent advisor who work free Often the advice given is equal to that of the hired advisor ill it s free if it meet vour and needs don have to follow it the other hand if it cm improve position minimize taxes help vou achieve vour goals it is worth doing business with hit independent For a I Calculating Needs a Per Retirement Plan for Todav and Tomorrow contact Peter it Regal laniierb Ltd 10 Fagan Drive Georgetown Ontario or phone Paul J Rockel is he author of he best seller I Invest in Mutual unds and President of I Planners 1 td TODD SIMPSON INSURANCE SERVICES J 9 Airedale Court Georgetown Ontario 416 6451 Service Isnt Just In My Name Its My Business Specializing in Home and Farm Insurance Personalized Service Full replacement coat available for dwellings and farm buildings Call Me I Can Help Turn 16 into an 82 edge for your RRSP savings Revenue Canada has sed your RRSP s foreign I m I to Wlhlhat nmnd cons the top perform Bullock can Fund for your lax delerred savings a one year elurn of almost I m ght be the edge that your could use BULLOCK AMERICAN FUND 21 8 81 9 8 18 3 10YR Call today tor more informal on TED FRY SUNLIFE DISTRIBUTION SERVICES INC UNIVERSITY AVE SUITE TORONTO ONTARIO 3 STREET GLEN WILLIAMS ONTARIO 3S4 8732534 Bullock Group of Funds TH0 Bo Group Funds subs a Spool FgnOSc SOW on IF YOU HAVE QUESTIONS YOUVE COME TO THE RIGHT PLACE THE BANK OF NOVA SCOTIA 304 Guelph St Georgetown OPEN FOR FEB 27 III 8pm FEB HI 6pm 36 Mill Street East Acton OPEN FOR RSPS FEB 28 III 30p RRSPs 141 Initial Investment How do they manage to do it MUTUAL FUNDS WE MANAGE TO OUTPERFORM I Trim I a in In l an I J I J uiuCt in art hit PETER MASS0N Hunt AM REGAL CAPITAL PLANNERS LTD 10 Drive Geirgetlwn OVER 20 YEARS OF HELPING CANADIANS REACH FINANCIAL INDEPENDENCE