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WATERLOO cannula): - Wednesday. September 7. 201 I - 2'1| 7." , ,,, ”fieevfi l.__....._.___-___...____â€"â€"â€"â€"..-â€"â€" ‘ |lll\|\l \\ l ' WWWâ€"WW _~ : Surrepcymmgn Currency Exchange: ' ' onver ers Your retirement readiness check-up gfiwmm andWireTnnsfers : my“. thought long service or pays out power and savings. Private Wealth Manageâ€" l | ghoul it for years _ accumulated sick leave Take the Investors merit ContactIMSS | GOlNG To EUROPE! _ I I the day you move benefits is fully taxable Group Retirement Readiâ€" McEachm'e. CFRCPCA. | " | into retirement. But now but you may be able to ness W quiz at CDFA at519â€"886-2360ext, | we have EUR and GBP ' that “the day" is jug transfer portions of it to uwwinve'storsgroupicom 241 orrus- | ava||ab|e lmmedlate|y we | around the when Have your RRSP and claim a ... sellmceachniefiiinwstors l you done gyerylhing you deduction for the This column is proi'i'd- grouprom : 355 Erb Street West, Waterloo (between University and Fischer Hoffman) I can to prepare for that amount you contribute. edlo-McHu‘hmeGroup 9881004 _ . _ 1 Your employer~spon - LP 53.1. _ .. _3_Toflre_e_8_71 §7i3ioflvic2 _ _ [coâ€"“leLteISI-n (£211), ' W WW 'WWW- sored pension plan may . ' ~ * allow you to transfer your in i i \l \*\|\ accumulated benefits - r ‘ \[()f\[\ intoa lockedvin. person- - fl ‘ if? if??? } ally~direcied plan. rW' W ___. _ ' ‘ A $32 55511 I ‘ Your group health [BESTSELLINGJ ighfiéfit ' 1 ' ' ,\ coverage will likely end at ‘ r ' i a? $3 § 21:31 §§ : i : retirement. Critical ill- 5]. ("f-1114 ' ;§§§§s§';; ; l 1 ~ f_;, ness. long-term care and §§E33€e i ;§ j r 4} 5 ' other supplemental ‘ ‘ , ‘ 353535391 3 t "1, ‘ health and dental insur- i “I“ t I l §QZ§25§3 5? 3 ‘ i ' ance coverage maybe ’ ‘ "a 2012 SONATA §§3£§§53§_ . i I needed to fill the gap. / N \ A , mu mm more? gigs? 9 Egg? 1 1 \our R‘RSP income a“ 7 _ 1 mm ngfiggggg‘ i ‘ can kick in when you ‘ v <_ , ' .s,\ 3 v 61 1- 3” ;s E. i i . . . as . 133 my A _ N _. retire or. if you dont need \ _ , \ BMW ‘ m mum - é’j, gag; 25 . i , __ W Wig the income. you can con- _ , , x ’ to “MN’ “WW“ ‘m“ g - 5g 5 <3 " 3 P ‘ tribute until the end of ‘7‘3 5 ‘ ' > rim-$3431 gggggggggs ‘ day? Let's relieve the your ”51 year. » w ‘ ‘ \_7‘ ’ swim new 01mm DiSYINA' a». g a 25§ 53 x2; stress right now with 3 Here are six keys to \ ,/ t H 4 ’ “ “Elsi-mun "use! giégg 5 figs re\-ii-w of retirement success from the Retire» mam“ Wm \Q / 7 _§‘§§S§$§§ basics. ment Lifestyle Centre: â€"“ - , E a g 2 Q; ”- g a; . Your retiremcnl 1.Ilave a clear vision g§:;§g§’§§= ‘ income will derive from ;’f yourffuture _. all the A g: gig £3 i is ' public sources like the acets 0 your retirement 1 w , j N J . y 32 5- _ 53}. G "' f Canada Pension Plan or llfe. _ r H H ll it txlr\ til i mggugflksrfgy‘xg ii! $5 33? § ‘ Old Age secumy , from 2 Practice good health M" " mu“ . i??? 5 mg 3 . .. < I company penston plans and wellness. 3m 67. [40 DOWN fAmENt (cf 5; 2 § a 125g g j and from your personal 3- Decide whether 31mm “mm firfifi’i‘s‘l‘fia‘fiifis ml. 35 fig? : é - - registered and "one your retirement Will be aim-w “qu mum was“? cum 35 is“; {55 ‘ retirement savings, You freedom from work or °§§§§§§5 oi : will need to apply for cpp freedom to work at some- m "mm 53â€"325 $1; 1 5 and OAS. You can choose thing you truly “1103’- °gé§ éég, §§L§ . to start receiving CPP fi 3 I? adlieffllll'orgv géggigg'ggg ] benefits any time it a appy ElSUIE"Ie . ‘ ’§-§z’§;;3 : ; between an and 70 but balance.“ l i f ‘ H 1 f i f 1‘ H 1 H i flgégfigflm, ‘5? egg; gi; . the benefits are reduced 5- “do! your persona _ :i 3? 3“ L a i J j i if you receive them relationships ' ‘ qmfi' 2 %* Moguwfim’gfl (t; (2; Eggfigi be“ “ and “WW" if 5- "e“ f‘“*‘“°'“”*’ m. an w may 55 , g a; . ‘ you do so between 65 comfortable A and take 1mm; .MI¢~'€r.r wort-on mean some 7553 i; $3255 ! and 70. steps to ensure that infla‘ ‘ W, w “ 153253333 5 f 5 A retiring allowance “0" and ‘jni‘Wfl costs f01’ ‘ x M §§3m§ ‘3 a § 2; 1 from your employer that PWWY'PUUI“ and "F‘d‘ , 2955; ig; ; E; E compensates for loss of Will care dont Whmk’ , / fig? g?! i555 . | . 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