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February 2018 Book a Meeting Client Login
 
 
Tick Tock: RRSP Season is Here!
 
 

I am continually amazed at the number of people, who have high incomes and savings, that fail to take full advantage of the preferential tax treatment of RRSPs versus other types of investment or savings accounts. This is especially true for business owners who often have retained earnings in their corporations while also having massive amounts, sometimes $50,000 or more, in unused RRSP contribution room.

With the recent Federal Government’s rewriting of tax policies for business owners, it is especially important to review fundamental tax planning...

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Procrastination - Your Financial Dream Killer
 
 

Despite what many people think, the number one financial dream killer isn’t portfolio losses, or financial emergencies, or unemployment, and not even natural disasters.

The number one reason people fail to reach their financial goals is procrastination - putting off the inevitable until the cost of your dreams or goals become prohibitively expensive.

Why People Procrastinate

Fear of failure: Some people view their aspirations with dread because they don’t think they will succeed. Others are just afraid to try...

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Don’t Bet Your Retirement on a Simple Approach
 
 

You have probably heard about the old 70 percent rule that suggests retirees will need the equivalent of about 70 percent of your current income level to maintain their lifestyle in retirement. This assumes that your retirement living costs will be 30 percent less than during your working years.

While it may have been applied appropriately for retirees two or three decades ago, it is fraught with significant risk and potential disaster for today’s retirees.

Overly simple formulas have no place in serious retirement planning, especially when you consider that people are living longer than their parents or grandparents...

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Maybe everyone can live beyond what they’re capable of.
 
Markus Zusak
 
This newsletter was written and produced by AdvisorNet Communications Inc. and is information provided for your convenience only, and is not an endorsement of any product or information provided by any other party. Your financial security advisor makes no representation, warranty, or guarantee of the information offered. Consult a professional before investing in, or buying any financial product. Any indicated rate of return is for illustration purposes only and is not intended to reflect future values of returns on investment. Any amount allocated to a mutual fund or a segregated fund is at the risk of the contract holder and may increase or decrease as it is not guaranteed. Borrowing to invest can magnify the risk of investing. You should not act on, or make any decision based on any information in this publication, as it is meant for general purposes only and it may not accurately apply to your specific circumstances, nor should it be applied as professional advice for the reader. References in this publication to third-party goods or services or trademark names are not endorsements. The publisher and any other party presenting this material to the reader do not guarantee the accuracy and will not be held liable in any way for any errors or omissions, including statements or statistics in this publication, though we seek to present information based on material believed to be precise, reliable, and complete. Quadrus, Quadrus and design, Quadrus Investment Services Ltd. and design, Quadrus Group of Funds are trademarks of Quadrus Investment Services Ltd. used with permission.