The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

www.insideHALTON.com | OAKVILLE BEAVER | Thursday, May 12, 2016 | 38 Refocus with annual cash flow projections for financial objectives continued from p.35 This is often easier said than done. Investment advisers want to talk about investment returns and most often clients focus too much of their attention on the short-term returns as opposed to the longterm objectives. In my opinion, the best way to refocus is with annual cash flow projections measured against a specific financial objective. If you are planning to retire in 15 years then cash flow projections will monitor your progress towards that end. This is what clients and their investment advisers should focus on. Many of us worry The main thing learned from this study is many of us worry. Logically, that could be understandable because fewer of us have employer pensions than in previous generations. There is the potential to worry about not having enough money to spend during retirement. The perfect solution is to monitor retirement spending amounts by completing cash flow projections. Being proactive at forecasting cash-flow projections will give you a better sense of what lies ahead. With a better understanding of the future, you are less likely to worry. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner For more news, visit insidehalton.com/oakville-on. `Like' the Oakville Beaver on Facebook. T YOUR E L T ' N DO LEASE VEHICLE DOWN. U O Y N CHAI T. BUST OU LeaseBusters.com is the largest vehicle lease marketplace in Canada. We'll unlock you from your vehicle lease commitment... save time, early termination fees and penalties. Call now for a free consultation 1-888-357-2678 or visit us at www.LeaseBusters.com Performing and Visual Arts School ARt, MUSIC, DRAMA & DANCE ExplorE · ARt in Mixed Media, Oils, Drawing, Portfolio Development & Watercolours · MUSIC in all Instruments · Voice · DRAMA · Musical Theatre · DANCE · Ballet, Pointe, Contemporary, Lyrical, Jazz, Hip Hop, Tap, Latin · Acro · Cardio · Fitness Training · Tumbling · Small Size Classes Available · Camera Viewing of All Studio · Flexible Family-Focused Scheduling · Annual Music Productions · Specialty Workshops SUMMER CAMPS · 9 WEEkS JUNE 27-AUGUSt 20, 2016 Beginner to Advanced - Speciaty intensive camps in art, music, musical theatre, contemporary, acro/tumbling. STUDIO PAVAS 905-403-9435 Performing and Visual Arts School · Art, Music, Drama and Dance FREE Gift $ 10 Card * Offer valid only at Aurora Sobeys - 15500 Bayview Ave., Aurora; 1250 Brant St. Burlington Sobeys; Tillsonburg Sobeys - 678 Broadway Street, R.R. 7 Tillsonburg; Milton Sobeys - 1035 Bronte Street S., Milton; Flamborough Sobeys ­ 255 Dundas St., Waterdown; Stratford Sobeys ­ 581 Huron St., Stratford; Maple Grove Sobeys ­ 511 Maple Grove Dr., Oakville; Bronte Sobeys ­ 2441 Lakeshore Rd, West, Oakville; and Glen Abbey Sobeys ­ 1500 Upper Middle Rd., Oakville locations. Offer is only valid in a single transaction. Offer is non transferable for cash. No cash back. Limit one gift card per Customer. Limit one offer per customer. Re-production of this offer will not be accepted. 7 7 0 974 0 6 90 5 Cannot be combined with other offers. 1-2301 ROYAL WINDSOR DRIVE, MISSISSAUGA WWW.studiopavas.com info@studiopavas.com 3-hour/Half Day Programs Available NEW JR. PAVAS (2.5-5 yrs) There's a better way to build wealth Traditional and hard to understand investment fees could be costing you up to 30% of your potential wealth.* Join Canada's first subscription based investing service ment today! our * when you spend $20 or more on fresh produce valid Mon - Thurs only *Free Gift Card to be used on your next shop. No coupon required. Offer is only valid in a single transaction and cannot be combined with any other offer. Visit nestwealth.com Nest Wealth © Copyright 2016 Nest Wealth Wealth Asset Management Inc. "Nest Wealth Wealth" is the the trade name of Nest Wealth Wealth Asset Management Inc. The products products and services advertised advertised are are designed specifically specifically for investors in provinces provinces where where Nest Wealth Wealth is registered registered as a portfolio portfolio manager and may not be available to all all investors. Products Products and services are are only offered offered in accordance accordance with with applicable applicable laws and regulations. regulations. This advertisement advertisement is neither neither an offer offer to sell sell nor a solicitation solicitation of an offer offer to sell sell securities in any jurisdiction. *Canadian Centre for Policy Alternatives, The High Cost of Canada's Mutual Fund Based Retirement System, March, 2015