1. UNDERSTANDING
RETIREMENT OPTIONS
An increasing number of
corporations today are
providing retirement, life
management and financial
education to their employees.
Human Resource
professionals are recognizing
that employees require better
education concerning their
pension options and how the
pension arrangements fit into
the planning process.
Today’s economic
environment requires
employees to assume
responsibility for their lives
and finances. The corporation
needs to provide the
education and tools necessary
to assist the employee in
achieving self-responsibility
and self sufficiency.
HELPING YOUR
EMPLOYEES
Our programs have been
created to assist both Human
Resources and Legal needs by:
• Teaching employees how to
develop life goals and
objectives.
• Going beyond the facts and
figures and shifting the
focus to lifestyle transition
planning combined with
retirement education.
The bottom line for the
corporation is that by
providing this kind of
education and training it is
better able to recruit and
retain qualified employees.
Why is corporate North
America concerned about
the retention of experienced
employees? Simple.
To remain competitive.
BENEFITTING
YOUR COMPANY
A company's productivity in
the future will be tied to how
well it can maintain and
support its workforce. This is
coming at a time when many
employees are reassessing the
definition of traditional
retirement as well as their
own place in both their career
and life.
This reassessment on the
part of your employees will
happen whether you
participate or not.
“An employer who provides
life management education
to the employee population
sends a very powerful
message about the
organization’s values and
culture.” (Dr. Lloyd Field)
Once this becomes known,
the employer is on the path
to becoming the Employer
of Choice.
Are you preparing your Employees
for the “NEW” Retirement? THE
BENEFITS
OF
PREPARING
YOUR
EMPLOYEES
FOR CAREER
AND LIFE
TRANSITION
Increased
employee
retention
Education for
employees on
the “New”
Retirement
makes you
the Employer of
Choice
Reduced
employee stress
lowers benefit
costs
Helping you
meet your
pension plan
fiduciary
responsibility
Reduced
absenteeism
www.iretire.org Our
Business is
Education
and Training.
We do not
sell Financial
Products.
Are you
preparing
your
Employees
for the
“NEW”
Retirement?
Your employees are
confronted with a changing
workplace, an uncertain
retirement and a need to
understand their options
What people are writing about our programs
Our tools for helping your
employees take self-responsibility
The Lifestyle Transition
Planning Program©
Manual
Our program manual will
assist the employee in
developing a vision of a new
life structure for the future.
The Lifestyle
Modeling Software©
This is provided to every
employee. It is designed to
help the employee find the
balance between their
lifestyle vision and the
financial realities and how to
find a fit between the two.
151 Frobisher Drive, Unit #B-108
Waterloo, Ontario N2V 2C9
Toll Free: 1.800.637.6140
Phone: 519.576.1575
Fax: 519.576.5934
Email: info@iretire.org
Visit us at our website:
www.iretire.org
Our business is Education and Training
We do not sell Financial Products
The Retirement Education
Centre Inc. was formed in
1996. The company is an
education, advocacy and
research organization focusing
on the “New” Retirement and
Lifestyle Transition Planning.
The mandate of the
Retirement Education Centre
Inc. is to provide individuals
with the tools they will need
to help them make the
transition to the next stage
of their lives. Through our
seminar program or our web
based e-learning program, we
work with your employees to
develop a clear vision of their
future.
“I wanted to personally thank
you for the fantastic presen-
tation on Retirement
Planning.”
“The information gained by
attending the seminar gave
us the necessary tools to plan
for a successful retirement. It
was much easier for us to set
firm goals with realistic time
lines.”
“Thanks again. You have no
idea how less stressed we feel
about our future retirement,
especially now that we have
a better understanding about
how to get there.”
Educate employees in how
to manage their life goals and
resources. This is an ideal
template for self-responsibili-
ty and self sufficiency.
Because life goals change
regularly, learning how to
objectively and realistically
manage one’s own affairs
easily transferred to the
regular needs that an
organization has to change
its direction, systems and
processes.
Identify participation and
responsibility: establish early
in the employee’s career with
your organization that you,
the employer, view the
employee as a responsible
adult who has to manage
his/her career and financial
affairs independent of you.
You are concerned enough
(within your values) to
provide the life management
skills training and signal that
dependence on the employer
is not always in the
employee’s best interests.”
An excerpt from
“A Guide to Positive
Employee Relations”
by Lloyd M. Field, Ph.D.
“In my view, this approach
should win an award for
its brilliance …”

2. There is a growing awareness
of the need for companies to
provide appropriate
independent, third-party
education to their employees,
in order to satisfy the
fiduciary issues surrounding
the company’s pension
arrangements.
This is particularly true for
those companies with
defined contribution pension
plans or Group Registered
Retirement Savings Plans
(GRSP).
Developed by the Pension
Industry, the Capital
Accumilation Plan Guidelines
are now considered to be the
benchmark against which the
courts may judge how
successful a company has
been in providing appropriate
education concerning the
Pension Plan arrangements,
to its employees.
“We’ve just completed the
first session of the Retirement
Education Program, which
introduced a number of
employees and their spouses
to the concept of the “new”
retirement. Feedback from
the session was very positive
and exceeded expectations.”
“We look forward to
continuing to offer these
valuable sessions to our
employees and their spouses.”
Aegon Canada
“… the results were over-
whelmingly in favour of hold-
ing future training sessions …
it is refreshing to see that the
training is being done on its
own merit, and not to sell
product.”
Local 527 United Association of
Plumbers, Steamfitters and Welders of
Canada
“During the workshop you
took us through the planning
stages, encouraged us to
make changes, adjust our
saving expectations and goals
and to become realistic in
moving towards retirement
rather than away from work.
Your relaxed, humourous
demeanor, created a special
atmosphere that encouraged
participation.”
“Thank you for providing the
education and tools to
enlighten the journey to
retirement as well as the
financial aspects.”
Energizer Canada
“Av, another successful session
of the Personal Retirement
Education Program has been
completed at our head office
locations in Toronto and
Kitchener/Waterloo. You have
developed a very professional
program with excellent deliv-
ery, organization and an
atmosphere that encourages
participation. Survey
comments, completed by
participants over the past 3
years, have been very enthusi-
astic.”
“Thanks Av and we look
forward to working with you
again in the spring.”
Manulife Financial
The Personal Retirement
Education Program will assist
employees in addressing key
life issues such as:
– How will I spend my time?
– What do I really like to do?
– What will keep me
motivated?
– How will I react to not
having a career?
- Is phased or semi
retirement a viable option
for me?
– How will my family be
affected by my retirement?
– Are my finances capable
of supporting the lifestyle
I want?
Typically the program is
delivered through an
introductory meeting(s) and
follow-up workshop(s).
Spouses are encouraged
to attend.
Your Fiduciary Responsibility
Retirement Education
and Lifestyle Transition Planning Program©
Our Facilitation of the Transition Process
What people are saying about our programs
Our business
is Education
and Training.
We do not sell
Financial
Products.
See an overview of our web based online e-learning program
by clicking on the link on the home page of our website:
There are
two programs
available:
Our seminar
program and our
web based online
e-learning
program which
allows employees
to take
themselves
through the
program when
it is convenient
for them
The purpose of the
introductory meeting is to
explain the company’s
pension plan, its role in the
planning process and how it
fits into our program.
In addition, we position our
approach to lifestyle planning
and why it is important to
the transition process.
Another option is our web
based e-learning program.
Visit us at our website: www.iretire.org
Recently there has been a
significant change in the
nature of retirement. Your
employees are faced with
personal issues such as:
• The length of time they
may be in the “new”
retirement
• Uncertainty about the
workplace
• Overall concern about the
retirement transition
• Consideration of early
retirement options
• The desire to remain
productive in the work
force.
As an employer, you are
faced with a need to address
these issues in order to
maintain your present
workforce and attract
qualified new employees.
The Lifestyle Transition Planning
Program represents a major step
forward in providing pre-retirement
education as an employer sponsored
benefit.
• What are some of the
major transitions in life
and which ones are likely
to occur for me?
• What do I know about
getting older and
progressing through life’s
stages?
• What are the advantages
and disadvantages
associated with a
transition?
• What is the relationship
between life as it is now
and life as it will be in the
future?
• What are the personal
qualities and abilities that I
can count on?
• What job/career issues,
lifestyle issues and
significant life events
issues should I consider?
The Program
www.iretire.org

3. There is a growing awareness
of the need for companies to
provide appropriate
independent, third-party
education to their employees,
in order to satisfy the
fiduciary issues surrounding
the company’s pension
arrangements.
This is particularly true for
those companies with
defined contribution pension
plans or Group Registered
Retirement Savings Plans
(GRSP).
Developed by the Pension
Industry, the Capital
Accumilation Plan Guidelines
are now considered to be the
benchmark against which the
courts may judge how
successful a company has
been in providing appropriate
education concerning the
Pension Plan arrangements,
to its employees.
“We’ve just completed the
first session of the Retirement
Education Program, which
introduced a number of
employees and their spouses
to the concept of the “new”
retirement. Feedback from
the session was very positive
and exceeded expectations.”
“We look forward to
continuing to offer these
valuable sessions to our
employees and their spouses.”
Aegon Canada
“… the results were over-
whelmingly in favour of hold-
ing future training sessions …
it is refreshing to see that the
training is being done on its
own merit, and not to sell
product.”
Local 527 United Association of
Plumbers, Steamfitters and Welders of
Canada
“During the workshop you
took us through the planning
stages, encouraged us to
make changes, adjust our
saving expectations and goals
and to become realistic in
moving towards retirement
rather than away from work.
Your relaxed, humourous
demeanor, created a special
atmosphere that encouraged
participation.”
“Thank you for providing the
education and tools to
enlighten the journey to
retirement as well as the
financial aspects.”
Energizer Canada
“Av, another successful session
of the Personal Retirement
Education Program has been
completed at our head office
locations in Toronto and
Kitchener/Waterloo. You have
developed a very professional
program with excellent deliv-
ery, organization and an
atmosphere that encourages
participation. Survey
comments, completed by
participants over the past 3
years, have been very enthusi-
astic.”
“Thanks Av and we look
forward to working with you
again in the spring.”
Manulife Financial
The Personal Retirement
Education Program will assist
employees in addressing key
life issues such as:
– How will I spend my time?
– What do I really like to do?
– What will keep me
motivated?
– How will I react to not
having a career?
- Is phased or semi
retirement a viable option
for me?
– How will my family be
affected by my retirement?
– Are my finances capable
of supporting the lifestyle
I want?
Typically the program is
delivered through an
introductory meeting(s) and
follow-up workshop(s).
Spouses are encouraged
to attend.
Your Fiduciary Responsibility
Retirement Education
and Lifestyle Transition Planning Program©
Our Facilitation of the Transition Process
What people are saying about our programs
Our business
is Education
and Training.
We do not sell
Financial
Products.
See an overview of our web based online e-learning program
by clicking on the link on the home page of our website:
There are
two programs
available:
Our seminar
program and our
web based online
e-learning
program which
allows employees
to take
themselves
through the
program when
it is convenient
for them
The purpose of the
introductory meeting is to
explain the company’s
pension plan, its role in the
planning process and how it
fits into our program.
In addition, we position our
approach to lifestyle planning
and why it is important to
the transition process.
Another option is our web
based e-learning program.
Visit us at our website: www.iretire.org
Recently there has been a
significant change in the
nature of retirement. Your
employees are faced with
personal issues such as:
• The length of time they
may be in the “new”
retirement
• Uncertainty about the
workplace
• Overall concern about the
retirement transition
• Consideration of early
retirement options
• The desire to remain
productive in the work
force.
As an employer, you are
faced with a need to address
these issues in order to
maintain your present
workforce and attract
qualified new employees.
The Lifestyle Transition Planning
Program represents a major step
forward in providing pre-retirement
education as an employer sponsored
benefit.
• What are some of the
major transitions in life
and which ones are likely
to occur for me?
• What do I know about
getting older and
progressing through life’s
stages?
• What are the advantages
and disadvantages
associated with a
transition?
• What is the relationship
between life as it is now
and life as it will be in the
future?
• What are the personal
qualities and abilities that I
can count on?
• What job/career issues,
lifestyle issues and
significant life events
issues should I consider?
The Program
www.iretire.org

4. UNDERSTANDING
RETIREMENT OPTIONS
An increasing number of
corporations today are
providing retirement, life
management and financial
education to their employees.
Human Resource
professionals are recognizing
that employees require better
education concerning their
pension options and how the
pension arrangements fit into
the planning process.
Today’s economic
environment requires
employees to assume
responsibility for their lives
and finances. The corporation
needs to provide the
education and tools necessary
to assist the employee in
achieving self-responsibility
and self sufficiency.
HELPING YOUR
EMPLOYEES
Our programs have been
created to assist both Human
Resources and Legal needs by:
• Teaching employees how to
develop life goals and
objectives.
• Going beyond the facts and
figures and shifting the
focus to lifestyle transition
planning combined with
retirement education.
The bottom line for the
corporation is that by
providing this kind of
education and training it is
better able to recruit and
retain qualified employees.
Why is corporate North
America concerned about
the retention of experienced
employees? Simple.
To remain competitive.
BENEFITTING
YOUR COMPANY
A company's productivity in
the future will be tied to how
well it can maintain and
support its workforce. This is
coming at a time when many
employees are reassessing the
definition of traditional
retirement as well as their
own place in both their career
and life.
This reassessment on the
part of your employees will
happen whether you
participate or not.
“An employer who provides
life management education
to the employee population
sends a very powerful
message about the
organization’s values and
culture.” (Dr. Lloyd Field)
Once this becomes known,
the employer is on the path
to becoming the Employer
of Choice.
Are you preparing your Employees
for the “NEW” Retirement? THE
BENEFITS
OF
PREPARING
YOUR
EMPLOYEES
FOR CAREER
AND LIFE
TRANSITION
Increased
employee
retention
Education for
employees on
the “New”
Retirement
makes you
the Employer of
Choice
Reduced
employee stress
lowers benefit
costs
Helping you
meet your
pension plan
fiduciary
responsibility
Reduced
absenteeism
www.iretire.org Our
Business is
Education
and Training.
We do not
sell Financial
Products.
Are you
preparing
your
Employees
for the
“NEW”
Retirement?
Your employees are
confronted with a changing
workplace, an uncertain
retirement and a need to
understand their options
What people are writing about our programs
Our tools for helping your
employees take self-responsibility
The Lifestyle Transition
Planning Program©
Manual
Our program manual will
assist the employee in
developing a vision of a new
life structure for the future.
The Lifestyle
Modeling Software©
This is provided to every
employee. It is designed to
help the employee find the
balance between their
lifestyle vision and the
financial realities and how to
find a fit between the two.
151 Frobisher Drive, Unit #B-108
Waterloo, Ontario N2V 2C9
Toll Free: 1.800.637.6140
Phone: 519.576.1575
Fax: 519.576.5934
Email: info@iretire.org
Visit us at our website:
www.iretire.org
Our business is Education and Training
We do not sell Financial Products
The Retirement Education
Centre Inc. was formed in
1996. The company is an
education, advocacy and
research organization focusing
on the “New” Retirement and
Lifestyle Transition Planning.
The mandate of the
Retirement Education Centre
Inc. is to provide individuals
with the tools they will need
to help them make the
transition to the next stage
of their lives. Through our
seminar program or our web
based e-learning program, we
work with your employees to
develop a clear vision of their
future.
“I wanted to personally thank
you for the fantastic presen-
tation on Retirement
Planning.”
“The information gained by
attending the seminar gave
us the necessary tools to plan
for a successful retirement. It
was much easier for us to set
firm goals with realistic time
lines.”
“Thanks again. You have no
idea how less stressed we feel
about our future retirement,
especially now that we have
a better understanding about
how to get there.”
Educate employees in how
to manage their life goals and
resources. This is an ideal
template for self-responsibili-
ty and self sufficiency.
Because life goals change
regularly, learning how to
objectively and realistically
manage one’s own affairs
easily transferred to the
regular needs that an
organization has to change
its direction, systems and
processes.
Identify participation and
responsibility: establish early
in the employee’s career with
your organization that you,
the employer, view the
employee as a responsible
adult who has to manage
his/her career and financial
affairs independent of you.
You are concerned enough
(within your values) to
provide the life management
skills training and signal that
dependence on the employer
is not always in the
employee’s best interests.”
An excerpt from
“A Guide to Positive
Employee Relations”
by Lloyd M. Field, Ph.D.
“In my view, this approach
should win an award for
its brilliance …”