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TODAY AND TOMORROW FINANCIAL TAX LIFESTYLE RETIREMENT & ESTATE PLANNING SEMINARSThat is the minimum guarantee. Can the person making the The client can remain in the marketplace knowing he/ she has comment give you such an income guarantee in writing? Now add a minimum Guaranteed income and if this client was 75 years of on Market Performance because you receive the Bonus amount or age the guaranteed income would be $22,420.27. Just to remove Market Value whichever is greater and the Guaranteed Income another comment the asset is still yours and in this case it would amount is based on the greater Value.be $373,670.45 as of March 28, 2011.Comment # 2:Now I ask you to think of this portfolio as a RRSP that is nowturning into a RRIF. (Registered Retirement Income Fund) which by The bonus is not real money added to the portfolio! Correct it is law must be used up according to the government formula. not but you can see from the previous reply it does become real guaranteed lifetime Income!!In my opinion this product currently outperforms any other form of RRIF in the marketplace. The guarantee of income for life even Comment # 3:after the asset is gone-(is of great importance given longevity) you need to examine this product.The returns are not as good as regular mutual funds or stocks. Really, are your returns not based on your plan and the abilities Topic #2- A RRIF Meltdown:of you advisor? Example of a portfolio which started August 15, 2008. The original invested amount was $290,000.00. Given the Why would I want to do it? What is it? What products can be used?uncertainty at the time I dollar cost averaged the funds into Topic #3- A Prescribed Annuity:this portfolio over 12 months (1/12 entered the portfolio each month).What is it?-When would I think of using one?-Why is it so Tax efficient?Topic #4- Annuity or a New Cashable Annuity:Again what are they?-Why would I want one and when?Topic # 5- Why do I not want to ignore my RRSP- Contribution Limit:Remember most of us will have some form of longevity and as I have mentioned previously, we are currently using ages of 90 for men and 95 for women in our planning models. The fastest grow- The results shown are after all fees.ing age group in North America is the 80 to 100 group, especially The original bonus amount was $14,500.00for women. The minimum increase in the Guaranteed Withdrawal Balance I will never make it to age 90 or 95! That may be the case but from on August 15, 2011 will be $43,500.00a statistical point of view 19% of men and 23% of women will and those statistics are increasing every day. Based on a the actual market value on August 15, 2011 and using the current market value in this example, the increase on the In our planning process we also allow for medical facility costs for Guaranteed Withdrawal Balance could be $86,926.12.the last 4 or 5 years of $4,000.00 per month per person (shop around and compare we are right on). Next years bonus would be $18,683.50.There comes a time when you need to re think your current If this client started an income on August 15, 2011, it would be set strategy-you need to look beyond today. For those just starting to at $18,683.50 5% of the new Guaranteed Withdrawal Balance.save for retirement (I call them the Catch-up generation) do you Guaranteed never to go down.really want the casino or do you want some guarantees?Please join me on Saturday, May 14th from 10:00am till 11:30am at Geraldos at LaSalle Park located in Burlington on 50 NorthShore Blvd. E. For reservations, please contact us at 905-336-9941 or e-mail us atkaylar@todaytomorrow.com. Refreshments andhandouts will be provided. We must all change and yet the vast majority of us are afraid of change. I ampresenting you with information that can help you make changes for the future and help ensure that you understand those changes.CELEBRATING OUR 18TH ANNIVERSARYCELEBRATING OUR 18TH ANNIVERSARY25 Thursday, May 5, 2011 OAKVILLE BEAVER www.insideHALTON.com