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12 - PORT PERRY "WEEKEND STAR" FRIDAY, JANUARY 28, 2000 If I receive money as a result of leaving a job, can I put any of it into my RRSP? When you leave your job sharing plan (DPSP) bene- fits. The amount you add to your RRSP will not affect your RRSP deduction limit for that year, however a larger rollover could create Alternate Minimum Tax (AMT) concerns. You should consult your pro- fessional advisors to deter- mine the best option for aking the most out of your golden handshake deal you if you are changing jobs and receiving a retirement allowance as a result. 4 and receive a retiring | allowance, you may be able \ to shelter all or a portion of this money paid to you. The amount you can roll into your RRSP is as follows: - $2,000 for every year or partial year of service with your employer before 1996; and -an extra$1,500 for every year before 1989 for which you weren't entitled to any pension or deferred profit How do I find out how much I can contribute to my RRSP? RRSP limits are based on your previous year's earned income - for example, salary or business income. You also need to know the amount of your pen- sion adjustment (PA) from work. This is indicated on your T4 or T4A. Your limit is 18 per cent of your previous year's earned income to a maximum of $13,500 less the prior year's PA, plus any carry forward you have accu- mulated. To find this informa- tion, you can: and -call Revenue Canada TIPS; you'll need your social insur- ance number, date of birth, and the income you reported on line 150 of your 1998 tax return; -refer to last year's Notice of How to calculate your maximum RRSP contribution Assessment from Revenue Canada where your current limit and accumulated carry forward is tracked for you. Courtesy of, Chris Hudson and Mark Hlozan Investment Representatives of London Life and London Financial Centre Limited, Pickering, Ont. Peter A. Cadeau SENIOR INVESTMENT ADVISOR with TD EVERGREEN#* SINGH SENY | H MA NAG M E it www.tdevergreen.ca | A DREAM [s a Git We Give Ourselves EIRY 985-6304 9:00 am. - 5:00 pm. aaa eS 2B. GALLERY &KASSOCIATES INSURANCE & FINANCIAL PLANNERS 204 Casimir Street, Port Perry, Ontario LOL 1B7 Tel: (905) 985-4028 RRSP Tune-up Service Is your RRSP doing for you what you want? Call Barb Malone now to book your free consultation. FRO, Make the call. Whether you're just starting out or you want to switch to friendly, professional service, let me customize a plan to meet your personal financial security goals. ; BM Individual life insurance TO ACHIEVE YOUR RETIREMENT DREAM, BM Individual disability insurance London YOU NEED A PLAN. [| Segregated funds life We dream of enjoying a wonderful retirement filled with HB RRSPs family, friends and the chance todo exactly as we please. BW Annuities, RIFs, LIFs ! 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(905) 986-5616 Branciat AAVISorS Res: (705) 4322414 TM - Trademark of CIBC Toll Free: 1-800-791-1324 ext. 270 1 B( * . CIBC Trust is a member of the CIBC Tol Free: 1-800-791-1324 ext. 261 Lied Group of Companies London Life and design. Freedom 55 and London Financial Centre Limited and design, are trademarks of | London Life Insurance Company, used under licence by London Financial Centre Limited Independent Thinking from your Independent Broker We offer a wide variety of Products & Services from Banks, Trust Companies, Insurance Industry & Mutual Fund Industry RRSPs & Investment Planning, GICs, Investment Funds, Seg. Funds, Income WE CAN HELP YOU MAKE SENSE OF IT ALL! BRIAN J. EVANS FINANCIAL SERVICES 38 Toronto St., N., Unit #2, Uxbridge (905) 852-3184 » 1-800-268-0417 BRIAN J. 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