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Waterloo Chronicle (Waterloo, On1868), 9 Feb 2011, p. 18

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7,5”, "â€"*'*' 5 ' fifiâ€"râ€"fâ€"mâ€"f ffii I8 - WAI'ERUX) curiomcus - Wednesday. February so 2011 i d ' ‘b ’ ? ‘ Where shoul your savmgs contri utions go . i " eCi5j0n5_ decisions whether it's better to put 1. How frequently the the funds prior to retirement restored; but. when you i - is it better (0 con» them in your Registered funds will be removed from and intend to re-contnbute make RRSP Withdrawals, '\i | \ j\ i \ tribute to invest- Retirement Savings Plan and re~contributed to either them at a later date. a TFSA you lose that contribution \i( )\i \ merits held within an RRSP (RRSP) or in Tax-free Savings investments within an RRSP may be the better option room. . , or a TFSA? Plan (TFSA) eligible invest- or TFSA in the years leading because you can make with- 2. What your marginal tax You have limited funds merits. That depends ontwo up to your retirement. drawals at any time and the rate is today and what your a“? r i " and you're wondering factors: If you are gorng to need contribution room is marginal tax rate will be r, as when you finally ii 5.5 _ a E remove the funds. 2:5 '- w x; ,_ ' _ , i ; Generally, if your 5; , . I . ‘ Fluan' marginaltaxrateis “ ~y5 ,, ' J ,, fig??? iggg; lower at the time the ‘ 1 , ‘" i ’ funds are removed "M 1 SMART RUNS IN THF FAMlLY a: iii Lag “momma t " n " 3g“; i 711" planatretue‘ en the ‘ * ”354: . m“ , v . . . , t i 5 RES? option will usu- _ J __ . i y y A ”in; . i§ a“ RUSS - . produce a better Pi i if i y - McEACHNIE iii"? E g “z” 5. result â€" but that 15 ° 3] 5 $32" only true ifyour mar- ia 411} a???" sine] tax rate actually effectively â€" and perhaps mm 20" ACCENTLBDH , it is“ 5 a a islower. , substantially â€" reduced SAVE 33 600 0 BEST-SELUNG SUB-COMPACTIN CANADA" ' ° ‘ {i it You" marginal tax your income and increased mm 1 WAS - e a g §I§ g mtecanbeinfluenced memyoupay . Egg _ §~ ; by income-tested WW“ would have mm agifi'h sitar); benefits “1°!“de the celled out some or all of the "ex ' h? Elig’ggggri £80 Cifdiiifslii I}? value of your RESP with- » NOW 0 3; g -, _, ecuri y , e drawal. a. , - , ONLY s ’ £5 2; £5?! 3 Guaranteed income There is no doubt that a” 4 i " ‘” 4 gig figfimfls) and RRSPs and TFSAs play key 9 ‘ " " ‘ ' rolesinfinancial and retire ' l I mailman-muons: §§§§§§§g fii, . Because they are mem planningandthereare a m m 48 mm 3225} 3 i income-tested bene- strategies â€" like income- .4 »_ 0 n, w m urn-mine: i gr“ i 534; fits, tlhey aéebrediiced splitting __ that you can use ' W'""" . T” m 5 " °' c awe ‘ i“ as to reduce your taxable i _ "" " "" . ,. . i - . . , isggggs 5153 your income increas- income and avoid claw- flm_“_ .v fig 3 . E 3: es. ultrmatelyldisap- baciks.‘ Your professional . r iii " - is; ”exam? wmwwudm '\\ 2010 ELANTHAL 0 AWARD-WINNING CW mgr-T; 533 3" J? ism” t for each of 32:13 be“ for your Situa- ..-b J "gag , "iéif'fV ' Q» ”55? A i, f ‘:"’"",i i§£_ i; 355? If the funds you Miscolumnisprmddedby , v: fig ' Wig in“ a: -' f ,"=*’_‘ gig $55? if remove from your McFachnieGmupPrimte 5 it ,,.;»15.5 {1.052 T: i W: . N ”7 » i i '. a}; 1435 §r5§25§§§§ BRSP after age 65 WealthManagement.' " 5 “kl" f we; , ~, ._ - 13-5", - 4 gig 1?" igfiggg increase your taxable ContactRussMcEachme - â€" _ §§§§;§§§§”"" g income and result in CFRCPCA.CDFAat “Mm" ....... -‘ a 3 th I f all 51988612360 1.241 .. 2011 30mm GL . ClASS-LEADlNG Furâ€"1 ECONOMY first.“ iiiiggfl "if? ogozif‘izcggfgiggm wmumaifimm 5 It s - 5g. . an . 25.35??? "535; benefits.youwillhave investorsgroup.oom _ . V, i ,-. w i ii i f i _ . l , ‘ > , :“m EL; ,. f '_ E5335 232353233 ADVERTISERS a precuate it " mg...” ' a i i ieéshgisgiég when you ten hem -» c- i » H 5 ~ » ' gigggiiggz i; I saw your ad in the Chronicle I 5 t ‘2011 TUCSONL . MAWARD-WlNNlNG cowmunuwvnim “A...“ giiiggggiii i . , I" a”; . j * sag“ ”iii 51g rig;- he i- r- g Q t _ 5-3 MICHEL ”v ~ " w W“ g: ' a w M ii i f , a ”Gigi We“? 35k??? iii; A i} 5 a we. view-x “its. , if? 7? " use” i“ “fix M5”? 3 a? g x 3 ' i . Q { cf: . ’". Rw9~fi13zi _? If“? ' H 5 ‘ 135.5 ‘ ' f: ’ 5. as 4 5, -. i?“ a 2 iii Jill i ii ., , ; 1 = iii: a if ~-- were; _ if 1 _. 2011 SANTA FE . arm-same wont suv m CANADA“ 51.3: liiiéém i"! .. , Q _~ ‘ _Jr x5} ' ‘ A in» {ffi g! 3 ii "iii-g T 0 L i a , - - ‘ ' "2"'31£~w *" it. we ”we 2:51" “w “(W 553; Jig "ii é "" a â€" n‘ ' 5 m“ fit “a: "Zen; .~ . was; fiat? {h g L ' man-am {is i E ‘ .-""r " Pa . e 18 “38153?” Q ~ i” ‘ mm 5 3 ~ a! g {a r a), f i , __ gggiiggg " is: ""' s: , 't uv 4 _ _ 3: m l HY um um iggiigiigiiggi , i . iii "- a . w 15W as §§§fi§i§§§i§§ 4 the me i » murmurs-r MM 3 .. 1 _ -- lg; iii; 391 mnnm A we aim mm § 3; "i i Anni-um mm mm 59 g s . i “Alp-n. an named an 5.0.9 n, ;,¢ m i -, arm-nor,er 7.24400 “mucous-ooze); m.§|lm ggasgfilgag.‘ “ 7 mwnlpinlhwnaalel mmohhmrhvuodd co le.fl - v . . , Lu ‘ ~ 5

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