MONTRÉALTORONTODUBLINHONG KONGWINNIPEGStrength and stability3 Canadian pioneer in financial servicessince 19263 Serves app...
Complete financialservices for individualsand corporationsShort-term3 Chequing3 Savings3 Credit cardsLending3 Mortgages3 L...
3 Providing for family members– one in 10 boomers with children are alsoproviding some type of support to agingparents, as...
The value of adviceHousehold age Household income45 and under 65 and over45 – 54 55 – 64no adviceAge of head of household ...
Keeping up takes time We take the time3 Increasing rate of change3 Financial services are complex3 Government legislates c...
3 Recognizes individual differences3 Is co-ordinated and flexible3 Provides a Personal Financial Program3 Faces realities ...
3 Helping you set financial goals3 Taking advantage of tax-saving opportunities3 Ensuring your investments reflect your pe...
3 Unplanned events– losing a job– divorce– receiving an inheritance– winning a lottery– accident or illness– caring for a ...
3 We establish and maintain continuity ofpersonal service by providing a– realistic financial plan– regular review and upd...
Investment products and services are offered through Investors Group Financial ServicesInc. (in Québec, a Financial Servic...
Get to know Investors Group
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Get to know Investors Group

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I have uploaded this presentation to give people a better understanding of what Investors Group does and how I, as a ocnsultant, am able to help people with their financial planning needs. The presentation starts by providing background information and history about Investors Group. This is followed by the types of services and products that we provide, along with our partner companies. The presentation is concluded by explaining the benefits and our approach to financial planning.

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Get to know Investors Group

  1. 1. MONTRÉALTORONTODUBLINHONG KONGWINNIPEGStrength and stability3 Canadian pioneer in financial servicessince 19263 Serves approximately one millionCanadians3 More than 400 offices from coast to coast3 A member of the Power FinancialCorporation group of companies3 One of Canada’s largest money managersAGF INVESCO DYNAMIC BMO CIBC FIDELITY TD CI RBC IGM*Long-term mutual fund assetsunder managementAt December 31, 2010 ($ billions)22.5 26.432.5 35.446.250.2 52.663.096.2104.7* Includes Investors Group, Mackenzie Financial Corporation and Counsel Portfolio Services Inc.Source: The Investment Funds Institute of Canada (IFIC), 2010
  2. 2. Complete financialservices for individualsand corporationsShort-term3 Chequing3 Savings3 Credit cardsLending3 Mortgages3 Loans3 Lines of creditIncome protection3 Life insurance3 Accident/sickness3 Critical illness3 Long-term care3 Health and dental3 Group insuranceProducts & plans3 Mutual funds3 RRSPs3 RESPs3 Tax-Free SavingsAccounts (TFSAs)3 GICs3 Annuities3 Registered RetirementIncome Funds (RRIFs)3 GuaranteedInvestment Funds (GIFs)3 Tax-advantaged funds3 Individual pension plans3 Group retirement services3 Brokerage services throughInvestors Group Securities Inc.World-class relationshipsAs of May 2011
  3. 3. 3 Providing for family members– one in 10 boomers with children are alsoproviding some type of support to agingparents, as well as looking after theirown needs3 Paying too much tax– 46% of Canadians surveyed agree thatreducing the amount of taxes they pay isan important immediate financial goal3 Protecting yourself and your loved ones– just over one in four of todays 20-year-oldswill become disabled before they retire3 Managing personal balance sheet– one in three Canadians with debt admitto losing sleep over their debt load3 Choosing the right advice and bestfinancial vehicles– households without an advisor– have less investable assets– are less likely to take advantage of RRSPs andTFSAs as those with an advisori Investors Group’s “Boomers on call survey,” Sept/Oct 2009, online survey conducted by Harris/Decimaii Ipsos Reid, Canadians & Financial Advice, February 2011iii Council for Disability Awareness, 2010iv Investors Group’s “Gain and pain poll,” April/May 2011, online survey conducted by Harris/Decimav Ipsos Reid “Canadian Financial Monitor”, special analysis for IFIC, 2010Most Canadians facefinancial challenges3 Low retirement income– 87% of Canadian boomers feel they arenot ready for retirement36% of surveyed boomers said that if they couldgo back and do it again, they would start savingfor retirement earlier.*Source: PMG Intelligence “Canadian Boomers and the New Retirement” 2009 Statistics shown represent responses fromsurvey participants aged 45 to 70 who indicated they were not yet retired to the following question: “Thinking of everythingabout the time of life called retirement, including social, health, financial, recreational and other issues, how ready are youfor retirement?”* Investors Group’s “When I’m 65 Poll,” Oct/Nov 2010, online survey conducted by Harris/Decima13% Extremely ready34% Somewhat ready32% Not sure12% Not particularly ready9% Not at all readyiiiiiiivv
  4. 4. The value of adviceHousehold age Household income45 and under 65 and over45 – 54 55 – 64no adviceAge of head of household (2009)Averageinvestableassets$272, 761$66,064$46,462$51,649$24,787$246,752$140,155$79,0743.2x 2.7x 5.3x 4.1xwith advice$35,000 – $54,999 $100,000 or more$55,000 – $69,999 $70,000 – $99,000no adviceHousehold income (2009)Averageinvestableassets$214,587$138,358$44,103$29,119$27,104$164,542$197,273$125,3484.6x 6.8x 3.7x 1.6xwith adviceSource: Ipsos Reid ‘Canadian Financial Monitor’, special analysis for IFIC, 2010 Source: Ipsos Reid ‘Canadian Financial Monitor’, special analysis for IFIC, 2010National data shows that Canadians atany age and income level can benefitfrom having a financial advisor.
  5. 5. Keeping up takes time We take the time3 Increasing rate of change3 Financial services are complex3 Government legislates changes3 Career and personal demands take priority3 Our purpose is to– analyze– explain– advise– solve financial problemsNo one has taken the time to explain, in understandableterms, how to pull everything together!
  6. 6. 3 Recognizes individual differences3 Is co-ordinated and flexible3 Provides a Personal Financial Program3 Faces realities and finds opportunities3 We know that financialindependence is:– different things to different people– getting the things you want– doing the things you enjoy– based on your lifestyleAPPROACHOur approach is unique... recognizes individualdifferences
  7. 7. 3 Helping you set financial goals3 Taking advantage of tax-saving opportunities3 Ensuring your investments reflect your personalfinancial goalsFinancial independence depends on you –not the company, government, relativesor friends!A part of all you earn is yours to keep.Short-termreservePlanning for emergenciesand opportunitiesDeveloping afinancial reserveIncome & assetprotectionFor you and yourdependants in case of:– Premature death– Disability, critical illness– Long-term careModerate-termgoalsEducate my childrenPurchase a home/cottageLeisure activitiesLonger-termgoalsFinancial independenceRetire comfortablyPerserve my estateThe Investors Four Cornerstones Philosophy™is the foundation for financial independence.* Six disciplines of financial planningInsuranceplanning*Estateplanning*Investmentplanning*Taxplanning*Retirementplanning*Cashmanagement*Educationplanningis co-ordinatedand flexibleprovides a PersonalFinancial Program
  8. 8. 3 Unplanned events– losing a job– divorce– receiving an inheritance– winning a lottery– accident or illness– caring for a loved one– death of a loved one3 Planned events– going to post-secondary school– getting your first job– getting married– buying a home– raising a family– starting a business– changing careers– saving for retirement– selling a business– living in retirement– planning your estateThroughout their lifetime, everyonecan benefit from financial planning.faces realities andfinds opportunities
  9. 9. 3 We establish and maintain continuity ofpersonal service by providing a– realistic financial plan– regular review and updateProfessional andpersonal service– through theregion office– Securities– Banking and mortgage– Insurance– through head office– Retirement planning– Estate planning– Tax planning– Risk management– Investment planning– Product support– Client administrationservices and support– Technology supportYour net worth is a snapshot of your current financial position. It is also a benchmark from which you can measureprogress towards your financial goals. Your net worth consists of the difference between the assets that you own(such as your home and investments) and your liabilities (such as mortgages, loans and other debt). Based on theinformation you have provided, you currently have a net worth of $1,075,000.Your current cash flow position compares your income with your expenses. Based on the information you haveprovided, you are expected to have a cash flow surplus of $26,255 at the end of 2010.wolFhsaChtroWteNAssetsLiabilitiesNet WorthIncomesOutflowsSurplusNet WorthRegistered Assets*$520,000Non-Registered Assets$170,000Lifestyle Assets$600,000Total Assets$1,290,000Liabilities($215,000)Net Worth$1,075,000* TFSAs are included in Registered AssetsCash FlowIncome$214,797Lifestyle Expenses$104,756Savings$21,181Estimated Taxes$62,605Annual Surplus$26,255Monthly Surplus$2,188Your personal planmakes it easy to– know where you stand– plan to reach your goals– stay on track3 Access to a team of specialists
  10. 10. Investment products and services are offered through Investors Group Financial ServicesInc. (in Québec, a Financial Service Firm) and Investors Group Securities Inc. (in Québec,a firm in Financial Planning). Investors Group Securities Inc. is a member of the CanadianInvestor Protection Fund.GICs issued by Investors Group Trust Co Ltd., and/or other non-affiliated GIC issuers.Insurance products and services distributed through I.G. Insurance Services Inc.(in Québec, a Financial Services Firm). Insurance license sponsored by The Great-WestLife Assurance Company (outside of Québec).Investors Group Trust Co. Ltd. is a federally regulated trust company and the mortgagee.Mortgages are offered through I.G. Investment Management, Ltd.* Inquiries will bereferred to a Mortgage Planning (Agent) Specialist. *In the Province of Ontario, MortgageBrokerage Licence #10809, Mortgage Administrator Licence #11256.Commissions, fees and expenses may be associated with mutual fund investments andthe use of Symphony Strategic Investment Planning™. Read the prospectus and speakto an Investors Group Consultant before investing. Mutual funds are not guaranteed,values change frequently and past performance may not be repeated. Symphony is anasset allocation service which provides a strategic approach to investment planningrelating only to Investors Group mutual funds.Trademarks of financial partners appear with their specific approval.Banking products and services are distributed through Solutions Banking™. SolutionsBanking products and services are provided by National Bank of Canada.™ Solutions Banking is a trademark of Power Financial Corporation. Investors Groupand design are trademarks owned by IGM Financial Inc. and licensed to its subsidiarycorporations. National Bank of Canada is a licensed user of these trademarks.™ Trademark owned by IGM Financial Inc. and licensed to its subsidiary corporations.C3146 (09/2011-PW)

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