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15| W aterloo C hronicle | T hursday,M arch 1,2018 w aterloochronicle.ca Region of Waterloo Transportation Master Plan Update Notice of Public Consultation Centres #3 The Study The Region of Waterloo is updating its Transportation Master Plan called Moving Forward, about how people and goods will get around in Waterloo Region over the next 25 years. The plan is laying out our transportation vision, goals, objectives and priorities. It deals with Regional roads, Grand River Transit, cycling, walking, trucking, traveling outside the Region, and managing travel demand. Why It's Important to You Moving Forward is addressing how we will move within and around Waterloo Region in the future. It will show how the Region plans to promote travel choices, support a strong economy and be part of sustainable growth and development. This will affect everyone: car drivers and passengers, transit users, cyclists, pedestrians, businesses and commuters. Public Consultation Centre #3 This is the third and final series of Public Consultation Centres. Information on display for discussion will include what we have heard throughout the study, the Region's 2041 travel targets, and summaries of the transportation scenarios that are being studied, the preliminary recommended transportation scenario and strategies, and the cost implications of the recommended transportation scenario. Date Location Hours Tuesday, March 6, 2018 Knox Church 50 Erb Street West, Waterloo Drop in anytime 5-8 p.m. Presentations at 5:30 and 7 p.m. Wednesday, March 7, 2018 Cambridge City Hall, Bowman Room 50 Dickson Street, Cambridge Drop in anytime 5-8 p.m. Presentations at 5:30 and 7 p.m. Thursday, March 8, 2018 Region of Waterloo Administrative Headquarters, Room 110 150 Frederick Street, Kitchener Drop in anytime 5-8 p.m. Presentations at 5:30 and 7 p.m. Visit the study website:www.regionofwaterloo.ca/MovingForward Moving Forward Geoffrey Keyworth Region of Waterloo Project Manager Phone: 519-575-4089 Email: gkeyworth@regionofwaterloo.ca Scott Johnston IBI Group Consultant Project Manager Phone: 416-798-5503 E-mail: sjohnston@ibigroup.com We are here to help! My office can help with: Catherine Fife MPP Kitchener-Waterloo 100 Regina St. S., Suite 220, Waterloo 519-725-3477 cfife-co@ndp.on.ca • www.catherinefife.com Recognition for special occasions • Hydro issues Long-Term Care issues • Ontario Works & ODSP Navigating the Healthcare System Ontario ID & Ministry of Transportation Preparation of Petitions for the Ontario Legislature e are here to help! o issues orks & ODSP tation egislature Looking for something NEW Signature Tour COLUMBUS OH So Cool Wisconsin Dells & Chicago Done WRIGHT • Branson and the Great Outdoors Boston & Salem • "EATALY" Food Tour of Italy A Week in the Wild West • Zambia - African Safari Tour (2019) KELLY & KatE FIELDS HOT OFF THE PRESS, our 2018 Travel Brochure has hit the streets! Make sure to call the office at 519-894-TOUR (8687) to get your copy now! A Day in Toronto Mar 13 $60 per person Port Huron Shopping Mar 28 $50 Ottawa Weekend Getaway May 4-7 $949 Quebec City Getaway May 13-16 $825 Columbus… OH So Cool May 14-17 $635 Phantom of the Opera June 12 $179 HIT MUSICAL 'COME FROM AWAY' July 24, Oct 10 & Dec 12 $229 (orchestra tickets) UPCOMING TOURS (Overnight Tour prices are CDN $ based on 2 in a room) TICO #50021958 Post-retirement tax- planning is vital to main- taining the retirement lifestyle you want for all the years of your retire- ment. But even if yoùre al- ready past the "post," it̀s not too late to implement tax saving strategies that work for you - starting with these income-pro- tecting objectives: • Always take full ad- vantage of all the direct tax deductions available to you. • Keep your net income and taxable income low enough to avoid such po- tential pitfalls as the Old Age Security (OAS) claw- back or losing out on the age credit and possibly the GST/HST credit. • Ensure that your monthly cash flow is not eroded by increases in the cost of living and that your investments will last a lifetime. In keeping with these objectives, here are some other important post-re- tirement tax-reduction and income-protection strategies: • Plan Registered Re- tirement Income Fund (RRIF) withdrawals: Withdrawals from invest- ments held in your RRIF are fully taxable - so man- age your taxable income by withdrawing only amounts that are re- quired. • Reduce taxes through tax efficient asset alloca- tion: Keep fully-taxable, interest-generating in- vestments inside a tax-de- ferred Registered Retire- ment Savings Plan (RRSP) or RRIF as long as possible while keeping assets that are more tax-efficient -those that generate capi- tal gains or Canadian divi- dends - outside your regis- tered plans. • Take full advantage of all available tax credits and deductions: Don't for- get the age credit for those aged 65 and older, the pen- sion income credit and medical expense credit. • Reduce your taxes by sharing Canada or Québec Pension Plan (CPP/QPP) income with your spouse: When your spouse has a lower CPP/QPP entitle- ment and is in a lower tax bracket. • Contribute to a spou- sal RRSP: You must con- vert your RRSP to a RRIF no later than December 31 of the year in which the owner attains age 71. These and other in- come-protecting and tax- saving strategies - like in- vesting in a Monthly In- come Portfolio (MIP) that can protect your income against inflation and gen- erate stable and reliable income distribution (out- side your RRIF or RRSP) and potentially higher long-term growth - will help ensure that yoùll con- tinue to have the income you need for all your re- tirement years. Talk to your profes- sional advisor about the post-retirement financial strategies that make the best sense for you. - This column is provided by McEachnie Group Private Wealth Manage- ment. Contact Russ McEachnie, CFP, CPCA, CDFA, RRC, principal, at 886-2360, ext. 6241 or go to russmceachnie.com. OPINION Do some post-retirement tax planning for the lifestyle you want RUSS MCEACHNIE Column Don't stop trying to limit your tax liabilities after retiring says Russ McEachnie