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13| W aterloo C hronicle | T hursday,M arch 29,2018 w aterloochronicle.ca Vehicle(s) may be shown with optional equipment. Dealer may sell or lease for less. Limited time offers. Offers only valid at participating dealers. Retail offers may be cancelled or changed at any time without notice. See your Ford Dealer for complete details or call the Ford Customer Relationship Centre at 1-800-565-3673. For factory orders, a customer may either take advantage of eligible raincheckable Ford retail customer promotional incentives/offers available at the time of vehicle factory order or time of vehicle delivery, but not both or combinations thereof. Retail offers not combinable with any CPA/GPC or Daily Rental incentives, the Commercial Upfit Program or the Commercial Fleet Incentive Program (CFIP). *When properly configured. Maximum payload of 3,270 lbs with 5.0L V8 engine configuration. Class is Full-Size Pickups under 8,500 lbs. GVWR based on Ford segmentation. **Until April 2, 2018, lease a new 2018 F-150 XLT 300A 5.0L V8 with Trailer Tow Package for up to 36 months and get 0.99% APR on approved credit (OAC) from Ford Credit Canada Company. Not all buyers will qualify for the lowest APR payment. Lease with a value of $42,655.64 (after $4,150 down payment or equivalent trade in and $3,500 manufacturer rebate deducted and including freight and air tax of $1,900) at 0.99% APR for up to 36 months with an optional buyout of $24,131.52, monthly payment is $431.64, (the sum of twelve (12) monthly payments divided by 26 periods gives payee an every two weeks payment of $199.22), total lease obligation is $19,676.08, interest cost of leasing is $937.00 or 0.99% APR. Taxes payable on full amount of total lease financing price after Manufacturer Rebate has been deducted. Offers include freight, air tax, and PPSA but exclude administration and registration fees of up to $799, fuel fill charge of up to $120 and all applicable taxes. Additional payments required for optional features, license, and insurance. All prices are based on Manufacturer's Suggested Retail Price. Some conditions and mileage restriction of 60,000 km for 36 months applies. Excess kilometrage charges are 16¢ per km, plus applicable taxes. Excess kilometrage charges subject to change, see your local dealer for details. †Offer valid from March 1, 2018 to April 30, 2018 (the "Program Period"). Receive CAD$1,000 towards Ford truck accessories, excluding factory-installed accessories/options ("Accessories"), with the purchase or lease of a new 2018 Ford F-150 (excluding Raptor) or F-250/F-350 (excluding Chassis Cabs) (each an "Eligible Vehicle") delivered or factory ordered during the Program Period (the "Offer"). Offer is subject to vehicle and Accessory availability. Offer is not redeemable for cash and can only be applied towards eligible Ford Accessories. Any unused portions of the Offer are forfeited. Eligible customer must pay difference if total Accessories chosen exceeds CAD$1,000. Only one (1) Offer may be applied toward the purchase or lease of an Eligible Vehicle. ©2018 Sirius Canada Inc. "SiriusXM", the SiriusXM logo, channel names and logos are trademarks of SiriusXM Radio Inc. and are used under licence. ©2018 Ford Motor Company of Canada, Limited. All rights reserved. 2018 F-150 WITH ITS BEST-IN-CLASS* PAYLOAD, IT GETS THE JOB DONE … AND THEN SOME. IT'S OUR MOST CAPABLE F-150 EVER. VISIT YOUR ONTARIO FORD STORE OR FINDYOURFORD.CA FOR DETAILS. + APR DOWNMONTHS EVERY 2 WEEKS 0.99%$199 $4,150 36 LEASE THE 2018 F-150 XLT SUPERCREW 4X4 5.0L 300A WITH TRAILER TOW PACKAGE ** MAKE IT YOURS WITH NO-CHARGE FORD ACCESSORIES † Available in most new Ford vehicles with 6-month pre-paid subscription. 36Our advertised prices include Freight, Air Tax, and PPSA (if financed or leased). Add dealer administrationand registration fees of up to $799, fuel fill charge of up to $120 and applicable taxes, then drive away. Yes! - you can reasonably ex- pect to live a long, long life and you should start planning for it now. Here's why: • Population projections tell us that there will be a ninefold in- crease in the number of centenar- ians, those aged 100 and over be- tween 2013 and 2063 (The Daily. Statistics Canada, Sept. 17, 2014). • Today's 65-year-olds can ex- pect to live almost 21 years beyond retirement, on average (Life ex- pectancy and other elements of life table, Canada, provinces and territories. Statistics Canada, Ta- ble 053-0003). Accordingly, you should start your income longevity planning right away. Here's how: • Decide on your desired retire- ment lifestyle. • Add to your Registered Re- tirement Savings Plan income with a complementary portfolio of investments. • After retirement, manage your retirement savings with- drawal rate based on the size of your retirement savings, the aver- age return on your investments over time, and the number of years you plan to make withdraw- als. On your 100th birthday you'll need a really big cake to hold all those candles. Ask your profes- sional adviser about how income longevity strategies can help make sure yoùll enjoy a comfort- able retirement until it's time to blow them out - and then look for- ward to 101 and beyond. - This column is provided by McEachnie Group Private Wealth Management. Contact Russ McEachnie, CFP, CPCA, CDFA, RRC, principal, at 886-2360, ext. 6241 or go to russmceachnie.com. OPINION People are living longer today and you need to be ready, says Russ McEachnie RUSS MCEACHNIE Column Plan to live to 100 Visit us online @ waterloochronicle.ca