munsnAv, NOVEMBER ID. 2011; -ertz|u.oo culomcu: - 19 . 'Ihings to remember when you 5255 hit your peak eamm' gs ou've worked hard for 20 or so years Speeklngofuvlnp suppon' is a good idea, too. place that will get you there in ï¬nancial com~ y and now you're very likely right in your Statistics Canada ï¬nds that one in three fort. earnings sweet spot: these are your peak Canadian adults are not preparing ï¬nancially Supportyourpnrente - maybe earnings years. for retirement. You're a member of the “sandwich generaâ€" And one ï¬nal tip: To make the most of your Not only has your income “that's you, nowis the time tion' and, as such, you could ï¬nd yourselfnot peak earning years {and all your other years) increased, your ï¬nances are "7†" ' " ' " ' ' to improve your savings strat- only supporting your kids but also agng par- talk to a professional advisor about the best steadily improving. ‘\ i \ k i \ ‘ egy. ems. ï¬nancial plan for your situation. Now is the time to secure . L , include that possibility in your budgeting your long-term financial \l()\l\ ldenï¬fyyonrpdoridee decisions. future â€" and. even though Your income has never . _ it's somewhere down the been this good and that can Mmuflre â€' road, the retirement of your get you thinln'ng about realiz- You may intend to work well beyond the Medan-n kneaded by dreams â€" by making the ' lngsome dreams â€" likebuy'lng ‘usual’ age for retirement or, like a growing McEndmieGrerrivate Wealth Managunem most of your peak earnings a larger home or purchasing a number of Canadians. you may be aiming at ContactMMcEadlnie. CFRG’CQ. CDFA. years. 3, “1 cottageanewvehicleoraboat earlyretirement mommiwmmmmrugm Here are some tips for a â€"- but beware of spending too Either way. make sure you have a plan in Wm doing just that: ‘ P much now at the expense of ‘ I 7 your retirementyears. ~ Payoï¬debt ‘ instead of rushing to realize *" "l Apply some of your "extra _ all your dreams at once, iden- ,. _. money' to paying down your . tify your priorities and budget , 7} 3 mortgage and other debts. M’f'ifAy realistically to achieve them ' ‘ _ A , w . Becoming debtireeisgood. without compromising your W t be ' . â€if? f , “ ' ‘ future. a er “5 ' . '- ,. Build for retirement Develop an effective investment portfolio Support yourkldeâ€"economlufly â€" â€" - - - NOTICE and apply an ever-increasing amount of your it's touyter these days for young people to income to your portfolio and other vehicles for become ï¬nancially independent. You’ll prob- WATm D‘STRIBU'HON MASTER PLAN retirement savings. such as registered retire- ably have to help your kids with tuition and ment savings plans (RRSPs) and tax-free sav- other forms of ï¬nancial support, perhaps for CLASS WRONMENTAL WENT ings accounts (TFSAs). several years beyond college or university. By investing early in RRSPs, for example. while they get established in their careers. mm mm m m“ 2 you maximize the magic of compounding â€" A registered education savings plan (RESP) m andbymakingyourmaximumRRSPcontribuâ€" isagoodwaytoreinintherisingcostsofa mmdmmmwmmmwmmmmmam tion each year, you'll also maximize your tax post-secondary education. And investing a few homes. m th's “My†am. the CW is W for m um m M m a“ â€in“ dmead‘mpeï¬wmam“df°"ms' mmmmmmmmmmmwysmmmwmm ' ‘ ' ' ‘ ' ‘ ’ MWaterloocompletedamashrphlm mummy mum-WM†md'ltlrastmctue l‘Aifliill' ill PDt’WiHH lifiN‘y i‘h‘l ï¬l, N15 mammwmammbam.rummmmmomm'sm â€Â» m.mmmmmmmmmmwwmmmw . wmmmmmwwmmm. ‘ q â€a File m M. m h m We .. , - a ' IMdeuanCKymmmDflbuï¬mMHmsmPiCMichmnï¬ï¬edmCRy‘s " ‘ ’ fl mummmmwmsmsmmï¬msmmiommmmmmm) SH. mmmmmmmuwsmmmnmmnm ’ f , WMï¬uwrMMMNDmâ€"flmmnwdmodsdflnsystunmcms mommwummnmwmmmmmm. .m. F â€"â€"""‘â€"‘â€"â€"â€""‘â€"‘ A new mm some ll). 2 - . "‘=‘"“‘", mamas-mm K "IA I pun ; mmmmm‘m ,. .- <4 ;. . . in PM“ launch Speclccular mm.- mmmmmsmwnmmmmm W’fh mm-s'mmmwmmmmmmMum PETE pAQUETTE ‘ pluming(Octobet2(XX),asmtendedIn2m7m20H). and "phi m! quo'il g“ MWisflmavaihbnmmCiwthm-mmmmhmnpm AMBERLEY BEATTY _"' mwmmwrmmmmmmmmmmmommam like more tritium, please mt + 7h.†[Joann fli‘myd" F Hm 7w"r(“.’w“ “WWI.“ “a?!†_ k . Project “not. but “and Project Hunger - (my aim GI m - _ ._ O . ~ mmw “WMMMCJMU ' , m on m as can. on not in Elmo-“B10. an. m Tel" 510-824-8150 WNW! RH)†NitiN_NHV ,~:: - Hipâ€) Em-W gnaw“ 1 . . v‘\. r . WhereapflmolpawtdktbnmtkndaxmmSï¬Mmmflthxmddm , . , . MWMBMWWEWWWdNWNEM ( hrv‘â€â€œâ€â€â€˜"* (“NH “H l†' ""â€" mmsammwmmsmmm p «a q i i u t v u p v ,. . 41 <1 . t... m . , . n P. S I 9.886. I 550 TTY I 866,786. 394 I waterloru.nipublicnotices "â€*'<‘ 1M