The document is an agenda for a retirement income planning seminar presented by Anna Conner, Steve Chipman, and Casey Walsh. They will educate attendees on retirement planning topics like how much income is needed, sources of retirement income, minimizing taxes, and guaranteeing retirement income. The seminar aims to help attendees create a holistic financial plan and find peace of mind in retirement.

1. Retirement Income Planning Seminar Anna Conner Senior Advisor October 2008 Wealth Life Health Holistic Approach … Covering all the Bases

2. Who Why What Success …. Agenda: Who will be educating us today Anna Conner, Senior Advisor Steve Chipman, MBA, CFP, Taxation, Estate Planning Casey Walsh, Vice President, Marketing and Sales CI Investments Why should we be doing this now Very few with income plans Retirement planning with the right #s Life events Understand your own situation What will we be learning about Success create peace of mind Q & A

3. Anna Conner, BTI, EPC Background in finance and adult education Passion – Making a difference in people’s lives Came to Sunlife in 2001 Why Educate?

4. Who Why What Success …. Agenda: Who will be educating us today Why should we be doing this now What will we be learning about Life Cycles How much will you need Sources of Income How do I draw it down to my advantage Minimizing tax on your investment income Income Splitting Potential pitfalls in retirement The 3R’s (risks) How to guarantee retirement income Q & A Create Success and peace of mind

5. As we move closer 30 something’s concerns Too busy to think about retirement planning Buying a house and dealing with a mortgage Paying off student loans Family obligations – sports, braces, summer camp, etc. 50 something’s concerns Beginning to think about retirement How will it look - travel, volunteer, work part time don’t know if they have saved enough. Don’t know how to put together a retirement savings plan Life changes – kid’s leaving the nest, health concerns, new goals and directions. 60 something’s concerns Serious about retirement, not sure if they’ve saved enough. Not sure where to start to figure it all out Wondering how to take the income Worried about out living the income 40 something’s concerns Still too busy to think too seriously about retirement planning Many financial goals – kid’s education, new furnace and roof, vacation, etc. Retirement is sort of “out there” somewhere

6. Covering fixed and lifestyle costs Lifestyle Expenses Basic Expenses Food, shelter Clothing Taxes Medical Hobbies Entertainment Clubs Travel The products used for income generation must fit the individuals specific situation, and be part of the overall holistic financial success solution.

7. Retirement - What will yours look like? What change means for people No more earned pay cheque. Many income sources Must withdraw from assets Watch for tax requirements Live within a budget What can help … Create peace of mind with an income plan. Create a total cash flow stream for retirement. Set a tax sensitive plan to maximize assets. Set out a plan to cover fixed & lifestyle expenses.

8. Other considerations … Income requirements (core, lifestyle) Pension details, income splitting LIRA, RRIF legislation CPP trade-offs OAS / age credit claw backs Assets withdrawal hierarchy CPP – OAS toll free # 1 800 277 9914

9. Effecting change … doubt / value. The story … 3 son’s and 17 camels and a will. Oldest son is to receive ½, middle son is to receive 1/3rd and youngest son is to receive 1/9th. Executor and boys need help! Ask the wise old person Wise person gives the 3 sons one of his camels. Now they have a total of 18 Oldest gets 9 camels, middle son gets 6 camels, youngest gets 2 camels… and . . . . the WISE PERSON takes back the camel! This is how getting good advice can make a difference

10. SLF Steven Chipman MBA, CLU, CFP 35 years of expertise Agenda: Who will be educating us today Why should we be doing this now What will we be learning about How much will you need Sources of Income How do I draw it down to my advantage Minimizing tax on your investment income Income Splitting

11. Casey Walsh, CI Investments Product Specialist for CI Investments New Retirement Income Programs Agenda: Who will be educating us today Why should we be doing this now What will we be learning about Potential pitfalls in retirement The 3R’s (risks) How to guarantee retirement income Minimizing tax on your investment income

12. Thank You - Q & A time Anna Conner Senior Advisor Casey Walsh VP Sales & Marketing CI Investments Steve Chipman Director, Estate Planning Sun Life Financial