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RRSP Strategies for a New Year


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Get Results You Want with RRSP savings for your Retirement. Canadians are not saving enough.....yet the future is not a stranger, it's you and me. We need strong savings to be independent and preserve our future and the lifestyle of our dreams. SO make sure your money isn't idling or lingering, or wasting away: make it grow with the vigorous power of Life Income Mandates enjoy the life you choose in the style you want! Brian is author of two books offering further guidance for your financial goals and wellbeing: (I) A Lifetime Of Wealth -- And How Not To Lose It, and (ii) Protecting Life, Loved Ones, and Future Dreams. Both books are available from bookstores or from Amazon (paperback) and Kindle (e-book). Reach Brian also for web-based learning whether you are a do-it-yourself investor, or serving as an advisor, or simply seeking guidance and help in implementing successful results for your Lifestyle and Comfort today and for Retirement and eventual family Estate.

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RRSP Strategies for a New Year

  1. 1. Winning RRSP strategies - 2014 Brian Weatherdon MA, CFP, CLU, CPCA Author, Speaker, Financial Planner. Aligning your Wealth & Life to overcome fears and secure your income, lifestyle, & comfort to age 105
  2. 2. Accelerate your retirement ... • • • • Too few invest, and they invest too little. Many have no “plan” to truly build wealth. Perhaps money is tight & debts still linger. Long-ago losses may still haunt your savings.  But you want to retire, rewire, & get the Life you choose with a lifestyle you truly enjoy!
  3. 3. Maximize group-pension deposits • If you have an employer based plan, make sure you’re investing 100% of what your employer will match. That’s money in your pocket, and it will grow for your future. But investment choices may be limited, so discuss this with a professional advisor who is willing to help ensure you reach the growth you need to secure your retirement goals.
  4. 4. Tax refund • Your RRSP deposit doesn’t cost you that much because you get a sizable tax refund. Putting $10,000 into RRSPs could easily reward you with $2500 to $4600 tax refund. And now use this tax refund to pay down loans or other credit, even your mortgage or add to your RRSP to grow your returns faster!
  5. 5. Reduce risk: like this, not that! • Don’t reduce risk by investing at 0% to 2% or being too heavily in balanced or fixed-income. That can run you out of money by age 75. Reduce risk with “Life Income Mandates” which can cut your risks by ½ or more, while continuing strong growth for your retirement. Visit
  6. 6. Super-charge growth safely • Not stock-picking or favourite funds or lastyear’s winners in this year’s advertisements!  Invest in things that always grow, or if they pause at least their dividends and incomeyield always grow. What would that be like? Eg see
  7. 7. Success with “Mandates” Specifically “LIFE INCOME MANDATES”  Google this & explore video, blogs, articles, educational resources .... Eg visit mandates/
  8. 8. Ideas for your Retirement Lifestyle • Would you phase your early steps into retirement? See my blog about learning / practicing Retirement. Early retirement can achieve our “bucket list” goals and living dreams while we have maximum health and energy to enjoy them. Mid-retirement can be a time of pictures & stories, less travel, lower spending, peace and contentment. Later senior years suggest high costs for health care and personal comforts you esp want at that age.
  9. 9. Key questions to guide you forward... • If I do nothing, or if my friends do nothing, what would happen if we fail to plan, or forget about special lifestyle expenses, or health costs as we age? Is that the life we want? We can’t just do nothing! What experiences do I most want to enjoy in my early years of retirement? And in my 70s, 80s, 90s? How vital is it today, to discuss & see how my total resources can assure the future I want to enjoy?
  10. 10. Meet your future ... Quickly the years pass. Age changes; names stay the same. Decisions today build our comfort and joy for always!
  11. 11. Reach me directly if we can help you • Plus, learning resources at: • Visit me for free copy of 5-star book, also at Amazon/Kindle/bookstores 905-637-3500 x 223 1-877-937-3500 x 223
  12. 12. Please review . . . . • Stories in this wider series express approaches to value you want to achieve in business or career, pension, life-savings, and your results for your personal lifestyle, life-long security, and family estate. • Our clients are primarily though not exclusively residents of Ontario. See and our firm’s website, for more information. • This and other presentations are not intended as offer(s) to sell any kind of security, insurance, planning or program. Opinions reflected belong solely to the author. No other body is responsible for content expressed here. We value establishing a context of “team stewardship” alongside your other professional advisors (legal, tax, accounting) to best protect your lasting financial security and the integrity of your personal goals at all times.