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BEAVER | Thursday, M arch 2 , 2 0 1 7 | 20 Dream of retirem ent seems elusive for many 5 5 and older A w w w .insideH A LTO N .com | OAKVILLE recent study found Canadians 55 years and older do not feel they are on track with their retirement planning. The Royal Bank completed an online sur vey of 2,033 adult Canadians. The study included comments about fi nancial security and a happy personal life. First, I will cover the financial issues. Alm ost half of those who responded said their main concern was not having enough money to retire. About a third of respondents were con cerned with future healthcare costs. In a land where medical care is `free,' those approaching their retirement feel they will be bearing the brunt of significant healthcare costs. The main cause of peoples' worries was time. With extended life expectancy, many retirees will spend up to three decades out of the workforce. That is a lot of years to pay the bills without a paycheque. Surprisingly, about one in six Canadians aged 55 or older have not started to pre pare financially for those many years of retirement. Not preparing for retirement is reason able for some. Many have problems paying for every day life and there ju st isn't enough money left over to plan for the future. That is a reality we will have to face as a country with a significant number of re tirees being financially dependent on the government for financial life support. The m ost interesting aspect of the Royal Bank study w as how Canadians view retire ment from a personal perspective. The study found that 15 per cent of people who have yet to retire were concerned about being alone. Dollais & Sense Peter Watson Guest Contributor Thirteen per cent felt they would m iss the sense of purpose they feel from having em ployment. Twelve per cent were not sure how they will pass the time. Four per cent were concerned that others would not see them as productive members of society. Two interesting statistics were revealed about how couples viewed retirement. One in 10 felt that they would not have enough time with their spouse during retire ment. However, four in 10 were worried about having too m uch time with their spouse. My observation after seeing the statistics in the retirement study is that it's time for us to start a conversation. Talk to your spouse, family, your financial advisor and lawyer. There are m any things to consider. I suggest being proactive at planning for your golden years. -- submitted by Peter Watson of Peter Wat son Investments and Aligned Capital Partners Inc, MBA, CFP, R.FP, CIM, FCSI., Certified Financial Planner Global Aid speaker March 8 A s d is tin c tiv e a s y o u a r e You are unique. Your family is unique. Ask our trusted specialists about personalized options for lasting remembrance, and preserve the memory of one special life forever. On Wednesday March 8, at 7 p.m. Grace Luther an Church, 304 Spruce St. in Oakville, will host a global aid presentation in partnership with Ca nadian Lutheran World Relief (CLWR) and Kerr Street Mission (KSM). Tom Brook, community relations director of CLWR, will present an overview of the ways CLWR challenges the causes and responds to the consequences of human suffering and poverty. This non-denominational event will focus on three areas: helping to end world hunger; helping to relieve refuge suffering; and, helping victims of natural disasters. Admission is a non-perishable food item for the Kerr Street Mission Food Bank. Light refresh ments will be served. Call today to take the first step: 905-257-1100 D Look for us on Facebook g le n o a k s .c a Glen Oaks Funeral Hom e& Cemetery byArbor Memorial 3164 Ninth Line (403 & Dundas St.), Miss./Oakville, ON A rbo rM em o rial Inc. Family Owned. Proudly Canadian. W elcom e to K K T O rth o p edic Spine Center! 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