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How we Guarantee INCOME for LIFE

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Boomers &/or seniors may need to Unlock Home Equity to support Lifestyle, but then get stumped on how to assure a strong & secure LIFE INCOME. Slides here introduce "Life Income Mandates" (for more info, google it) ...ALIGNING YOUR WEALTH to secure PERSONAL NEEDS & GOALS, COMFORT & ESTATE.

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How we Guarantee INCOME for LIFE

  1. 1. HOW WE GUARANTEE INCOME FOR LIFE! Brian Weatherdon, MA, CFP, CLU, CPCA, CRC, MDRT. Certified Financial Planner – Cert. Retirement Coach Brian@SovereignWealth.ca 905-637-3500 x 223April/May 2015 1
  2. 2. Saskia offers Sell N Stay because: • People want to stay in their OWN homes. • High costs of household repairs & taxes • Personal dreams for the Life You Want … • Ability for significant gifts to loved ones… • Solve anxieties for family & final estate… • Eventually cost of personal health care… • And even how you want to be remembered… 2
  3. 3. So your primary options include: • Sell house: downsize or rent. • Reverse Mortgage: fees & ‘strings’ limit appeal. • Home Equity Line of Credit: ongoing payments. • Rent out a room: is this safe? comfortable? • SELL AND STAY: can offer comfort & confidence. 3
  4. 4. ANSWER becomes clear as we tailor a personalized Financial Plan for Life-Income & Family Estate We confirm your Certified Financial Plan for:  Sustainable Life-income  Lifestyle, Travel, Gifting  Funds for Personal Care  Value for Family Estate 4
  5. 5. Values written in your Certified Plan Examples of core values in my clients’ plans: 5
  6. 6. SO 5 LIFE INCOME MANDATES 6
  7. 7. Global DIVIDEND Income • Dividend Income from blue-chip Canadian and Global corporations: eg. Banks, Utilities ... • Story: what Jim said to May in 1920 … • What did they own? • Were they wrong? 7
  8. 8. Global REAL ESTATE Income Safer than stock market, richer than bonds: •Residential •Commercial Office •Commercial Retail •Commercial Manufacturing 8
  9. 9. Global INFRASTRUCTURE Income A family story from 1550 Today’s income from 9
  10. 10. FIXED-INCOME .. NO LONGER as it was … • Deposits now pay 0 - to- ½% • GICs today paying ~1% • 10-year bonds paying 1.38% • 30-year bonds at 2.03% • Global/Corporate bonds 3-8% I recently published: “Fixed-Income: Mr. Hyde becomes Dr. Jekyll” 5 keys to Fixed-Income at: http://guaranteedincome4life.ca/blog/fixed-income/ 10
  11. 11. LIFE ANNUITIES: Cinderella or Goldilocks • Can pay 6% to 10% for LIFE • Longevity …………age 150! • Not too Hot, Not too Cold • Tax savings forever !! • To 90 if you die sooner • And for surviving Spouse • Even insure full/partial return for family estate 11
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  13. 13. The 5 Life Income Mandates PROTECT YOUR INCOME Proven process to match personal Values, Lifestyle, Comfort, tax-effectively, with Life-Income forever and Family Estate. 13
  14. 14. Opening an Income from your Home means making some money decisions Downsizing, reverse mortgage, line of credit, or SELL NSTAY… you’ll have decisions about money. Don’t make the wrong one… 14
  15. 15. Protect your Income … your Family with LIFE INCOME MANDATES 15
  16. 16. Guaranteed Income 4 LIFE 16
  17. 17. More Resources for LIFE INCOME: In my book, A Lifetime Of Wealth and also an educational website are stories of how people were distressing over money …and ANSWERS to secure LIFE INCOME! 17
  18. 18. WITH 18
  19. 19. To reach me directly . . . • On the web • Bookstores: 19
  20. 20. Sell N Stay is the proprietary concept and offering of Saskia Wijngaard of Keller Williams Real Estate. Questions are best raised with her directly at: Saskia@kw.com. 905-271-5133. Website: http://sellnstay.com/ Life Income Mandates are proprietary to Brian Weatherdon at Sovereign Wealth Management. Brian@SovereignWealth.ca 905-637-3500 x 223. He continues to build learning resources at www.GuaranteedIncome4Life.ca to unleash the power of Certified Life-and-Financial-Planning. Today’s seminar is offered as general information only, and not as a guide to purchase or sale of any products or services whether or not listed or noted in today’s presentation. We welcome working with your existing tax-, accounting-, legal-, and financial professionals, and indeed with supporting representatives of your family …to confirm proper suitability, function, scope, and implementation of your planning decisions. For further insights and disclosures please refer to the respective websites: http://sellnstay.com/; www.kw.com; www.sovereignwealth.ca; www.GuaranteedIncome4Life.ca. 20

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