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Retirement Seminar Draft Annas

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A must read for saving for retirement

Published in: Economy & Finance, Business
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  • DOWNLOAD THAT BOOKS INTO AVAILABLE FORMAT (2019 Update) ......................................................................................................................... ......................................................................................................................... Download Full PDF EBOOK here { http://bit.ly/2m77EgH } ......................................................................................................................... Download Full EPUB Ebook here { http://bit.ly/2m77EgH } ......................................................................................................................... Download Full doc Ebook here { http://bit.ly/2m77EgH } ......................................................................................................................... Download PDF EBOOK here { http://bit.ly/2m77EgH } ......................................................................................................................... Download EPUB Ebook here { http://bit.ly/2m77EgH } ......................................................................................................................... Download doc Ebook here { http://bit.ly/2m77EgH } ......................................................................................................................... ......................................................................................................................... ................................................................................................................................... eBook is an electronic version of a traditional print book that can be read by using a personal computer or by using an eBook reader. (An eBook reader can be a software application for use on a computer such as Microsoft's free Reader application, or a book-sized computer that is used solely as a reading device such as Nuvomedia's Rocket eBook.) Users can purchase an eBook on diskette or CD, but the most popular method of getting an eBook is to purchase a downloadable file of the eBook (or other reading material) from a Web site (such as Barnes and Noble) to be read from the user's computer or reading device. Generally, an eBook can be downloaded in five minutes or less ......................................................................................................................... .............. Browse by Genre Available eBooks .............................................................................................................................. Art, Biography, Business, Chick Lit, Children's, Christian, Classics, Comics, Contemporary, Cookbooks, Manga, Memoir, Music, Mystery, Non Fiction, Paranormal, Philosophy, Poetry, Psychology, Religion, Romance, Science, Science Fiction, Self Help, Suspense, Spirituality, Sports, Thriller, Travel, Young Adult, Crime, Ebooks, Fantasy, Fiction, Graphic Novels, Historical Fiction, History, Horror, Humor And Comedy, ......................................................................................................................... ......................................................................................................................... .....BEST SELLER FOR EBOOK RECOMMEND............................................................. ......................................................................................................................... Blowout: Corrupted Democracy, Rogue State Russia, and the Richest, Most Destructive Industry on Earth,-- The Ride of a Lifetime: Lessons Learned from 15 Years as CEO of the Walt Disney Company,-- Call Sign Chaos: Learning to Lead,-- StrengthsFinder 2.0,-- Stillness Is the Key,-- She Said: Breaking the Sexual Harassment Story That Helped Ignite a Movement,-- Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones,-- Everything Is Figureoutable,-- What It Takes: Lessons in the Pursuit of Excellence,-- Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!,-- The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness,-- Shut Up and Listen!: Hard Business Truths that Will Help You Succeed, ......................................................................................................................... .........................................................................................................................
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Retirement Seminar Draft Annas

  1. 1. Retirement Income Planning Seminar Anna Conner Senior Advisor October 2008 Wealth Life Health Holistic Approach … Covering all the Bases
  2. 2. Who Why What Success …. <ul><li>Agenda: </li></ul><ul><li>Who will be educating us today </li></ul><ul><ul><ul><li>Anna Conner, Senior Advisor </li></ul></ul></ul><ul><ul><ul><li>Steve Chipman, MBA, CFP, Taxation, Estate Planning </li></ul></ul></ul><ul><ul><ul><li>Casey Walsh, Vice President, Marketing and Sales CI Investments </li></ul></ul></ul><ul><li>Why should we be doing this now </li></ul><ul><ul><ul><li>Very few with income plans </li></ul></ul></ul><ul><ul><ul><li>Retirement planning with the right #s </li></ul></ul></ul><ul><ul><ul><li>Life events </li></ul></ul></ul><ul><ul><ul><li>Understand your own situation </li></ul></ul></ul><ul><li>What will we be learning about </li></ul><ul><li>Success create peace of mind </li></ul><ul><li>Q & A </li></ul>
  3. 3. Anna Conner, BTI, EPC <ul><li>Background in finance and adult education </li></ul><ul><li>Passion – Making a difference in people’s lives </li></ul><ul><li>Came to Sunlife in 2001 </li></ul>Why Educate?
  4. 4. Who Why What Success …. <ul><li>Agenda: </li></ul><ul><li>Who will be educating us today </li></ul><ul><li>Why should we be doing this now </li></ul><ul><li>What will we be learning about </li></ul><ul><ul><ul><li>Life Cycles </li></ul></ul></ul><ul><ul><ul><li>How much will you need </li></ul></ul></ul><ul><ul><ul><li>Sources of Income </li></ul></ul></ul><ul><ul><ul><li>How do I draw it down to my advantage </li></ul></ul></ul><ul><ul><ul><li>Minimizing tax on your investment income </li></ul></ul></ul><ul><ul><ul><li>Income Splitting </li></ul></ul></ul><ul><ul><ul><li>Potential pitfalls in retirement </li></ul></ul></ul><ul><ul><ul><li>The 3R’s (risks) </li></ul></ul></ul><ul><ul><ul><li>How to guarantee retirement income </li></ul></ul></ul><ul><ul><ul><li>Q & A </li></ul></ul></ul><ul><li>Create Success and peace of mind </li></ul>
  5. 5. As we move closer <ul><li>30 something’s concerns </li></ul><ul><li>Too busy to think about retirement planning </li></ul><ul><li>Buying a house and dealing with a mortgage </li></ul><ul><li>Paying off student loans </li></ul><ul><li>Family obligations – sports, braces, summer camp, etc. </li></ul><ul><li>50 something’s concerns </li></ul><ul><li>Beginning to think about retirement </li></ul><ul><li>How will it look - travel, volunteer, work part time </li></ul><ul><li>don’t know if they have saved enough. </li></ul><ul><li>Don’t know how to put together a retirement savings plan </li></ul><ul><li>Life changes – kid’s leaving the nest, health concerns, new goals and directions. </li></ul><ul><li>60 something’s concerns </li></ul><ul><li>Serious about retirement, not sure if they’ve saved enough. </li></ul><ul><li>Not sure where to start to figure it all out </li></ul><ul><li>Wondering how to take the income </li></ul><ul><li>Worried about out living the income </li></ul><ul><li>40 something’s concerns </li></ul><ul><li>Still too busy to think too seriously about retirement planning </li></ul><ul><li>Many financial goals – kid’s education, new furnace and roof, vacation, etc. </li></ul><ul><li>Retirement is sort of “out there” somewhere </li></ul>
  6. 6. Covering fixed and lifestyle costs Lifestyle Expenses Basic Expenses <ul><li>Food, shelter </li></ul><ul><li>Clothing </li></ul><ul><li>Taxes </li></ul><ul><li>Medical </li></ul><ul><li>Hobbies </li></ul><ul><li>Entertainment </li></ul><ul><li>Clubs </li></ul><ul><li>Travel </li></ul>The products used for income generation must fit the individuals specific situation, and be part of the overall holistic financial success solution.
  7. 7. Retirement - What will yours look like? <ul><li>What change means for people </li></ul><ul><li>No more earned pay cheque. </li></ul><ul><li>Many income sources </li></ul><ul><li>Must withdraw from assets </li></ul><ul><li>Watch for tax requirements </li></ul><ul><li>Live within a budget </li></ul><ul><li>What can help … </li></ul><ul><li>Create peace of mind with an income plan. </li></ul><ul><li>Create a total cash flow stream for retirement. </li></ul><ul><li>Set a tax sensitive plan to maximize assets. </li></ul><ul><li>Set out a plan to cover fixed & lifestyle expenses. </li></ul>
  8. 8. Other considerations … <ul><li>Income requirements (core, lifestyle) </li></ul><ul><li>Pension details, income splitting </li></ul><ul><li>LIRA, RRIF legislation </li></ul><ul><li>CPP trade-offs </li></ul><ul><li>OAS / age credit claw backs </li></ul><ul><li>Assets withdrawal hierarchy </li></ul>CPP – OAS toll free # 1 800 277 9914
  9. 9. Effecting change … doubt / value. <ul><ul><li>The story … 3 son’s and 17 camels and a will. </li></ul></ul><ul><ul><li>Oldest son is to receive ½, middle son is to receive 1/3rd and youngest son is to receive 1/9th. </li></ul></ul><ul><ul><li>Executor and boys need help! Ask the wise old person </li></ul></ul><ul><ul><li>Wise person gives the 3 sons one of his camels. Now they have a total of 18 </li></ul></ul><ul><ul><li>Oldest gets 9 camels, middle son gets 6 camels, youngest gets 2 camels… and . . . . </li></ul></ul><ul><ul><li>the WISE PERSON takes back the camel! </li></ul></ul>This is how getting good advice can make a difference
  10. 10. SLF Steven Chipman <ul><li>MBA, CLU, CFP </li></ul><ul><li>35 years of expertise </li></ul><ul><li>Agenda: </li></ul><ul><li>Who will be educating us today </li></ul><ul><li>Why should we be doing this now </li></ul><ul><li>What will we be learning about </li></ul><ul><ul><ul><li>How much will you need </li></ul></ul></ul><ul><ul><ul><li>Sources of Income </li></ul></ul></ul><ul><ul><ul><li>How do I draw it down to my advantage </li></ul></ul></ul><ul><ul><ul><li>Minimizing tax on your investment income </li></ul></ul></ul><ul><ul><ul><li>Income Splitting </li></ul></ul></ul>
  11. 11. Casey Walsh, CI Investments <ul><li>Product Specialist for CI Investments </li></ul>New Retirement Income Programs <ul><li>Agenda: </li></ul><ul><li>Who will be educating us today </li></ul><ul><li>Why should we be doing this now </li></ul><ul><li>What will we be learning about </li></ul><ul><ul><ul><li>Potential pitfalls in retirement </li></ul></ul></ul><ul><ul><ul><li>The 3R’s (risks) </li></ul></ul></ul><ul><ul><ul><li>How to guarantee retirement income </li></ul></ul></ul><ul><ul><ul><li>Minimizing tax on your investment income </li></ul></ul></ul>
  12. 12. Thank You - Q & A time <ul><li>Anna Conner </li></ul><ul><li>Senior Advisor </li></ul>Casey Walsh VP Sales & Marketing CI Investments Steve Chipman Director, Estate Planning Sun Life Financial

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