Investors Group is a Canadian financial services company that has been operating since 1926. It serves approximately one million Canadians through over 400 offices across Canada. Investors Group offers a wide range of financial products and services, including mutual funds, RRSPs, mortgages, loans, insurance products, and financial planning services. It takes a personalized approach to financial planning tailored to each client's individual needs and goals over their lifetime.
This document provides information about Investors Group, a Canadian financial services company that has been operating since 1926. It offers a wide range of financial products and services including short-term banking, lending, insurance, investment products, and retirement planning services. The document emphasizes that Investors Group provides personalized financial advice and planning to help clients achieve their financial goals and prepare for challenges throughout their lifetime. It highlights the value of financial advice and having a coordinated financial plan.
Investors Group is a Canadian financial services company that has been operating since 1926. It serves approximately one million Canadians through over 400 offices across Canada. Investors Group offers a wide range of financial products and services to both individuals and corporations, including short-term products like checking and savings accounts, long-term lending products like mortgages and loans, and investment and retirement planning products like mutual funds, RRSPs, and tax-advantaged funds. The company takes a personalized approach to financial planning and advice to help clients achieve their financial goals.
This document provides information about Investors Group, a Canadian financial services company that has been operating since 1926. It offers a wide range of financial products and services including short-term banking, lending, insurance, investment products, and retirement planning services. The document emphasizes that Investors Group provides personalized financial advice and planning to help clients achieve their financial goals and prepare for challenges throughout their lifetime. It highlights the value of financial advice and having a coordinated financial plan.
Planning Process. This presentation outlines how we get results for you and your family. If you are tired of having more questions than answers, give me a call. 403 220-9654.
1) Investors Group is a Canadian financial services company that has been operating since 1926. It serves approximately one million Canadians through over 400 offices across Canada.
2) Investors Group offers a wide range of financial products and services for individuals and corporations including banking, lending, insurance, investments, retirement planning and more.
3) The document discusses how most Canadians face financial challenges such as preparing for retirement, saving for family members, taxes, debt, and disability. It emphasizes the value of financial advice in helping Canadians overcome these challenges and achieve their financial goals.
This document summarizes the services provided by Investors Group, one of Canada's largest financial institutions. It offers a comprehensive suite of financial planning and investment management services including mutual funds, segregated funds, tax planning, estate planning, insurance, lending, banking, and retirement planning. The goal is to create a customized financial plan and manage investments to help clients achieve their financial goals for life, retirement, family, and the future.
Get to know what I do (Group Benefits/Group Investments)Kevin Green
I have uploaded this presentation to give business owners a better understanding of how we work with them on group benefits and group investments. It explains our added-value approach - implementing the plan plus working with employees on their personal financial planning needs. Enjoy!
This document discusses strategies for building a sound financial plan, including managing expenses, increasing income, paying down debt, establishing an emergency fund, and investing for long-term growth. It emphasizes the importance of working with a licensed financial advisor to develop a customized plan based on individual needs and goals. The advisor can help assess the client's situation, recommend appropriate products and services, and ensure the client is comfortable with the choices made.
This document provides information about Investors Group, a Canadian financial services company that has been operating since 1926. It offers a wide range of financial products and services including short-term banking, lending, insurance, investment products, and retirement planning services. The document emphasizes that Investors Group provides personalized financial advice and planning to help clients achieve their financial goals and prepare for challenges throughout their lifetime. It highlights the value of financial advice and having a coordinated financial plan.
Investors Group is a Canadian financial services company that has been operating since 1926. It serves approximately one million Canadians through over 400 offices across Canada. Investors Group offers a wide range of financial products and services to both individuals and corporations, including short-term products like checking and savings accounts, long-term lending products like mortgages and loans, and investment and retirement planning products like mutual funds, RRSPs, and tax-advantaged funds. The company takes a personalized approach to financial planning and advice to help clients achieve their financial goals.
This document provides information about Investors Group, a Canadian financial services company that has been operating since 1926. It offers a wide range of financial products and services including short-term banking, lending, insurance, investment products, and retirement planning services. The document emphasizes that Investors Group provides personalized financial advice and planning to help clients achieve their financial goals and prepare for challenges throughout their lifetime. It highlights the value of financial advice and having a coordinated financial plan.
Planning Process. This presentation outlines how we get results for you and your family. If you are tired of having more questions than answers, give me a call. 403 220-9654.
1) Investors Group is a Canadian financial services company that has been operating since 1926. It serves approximately one million Canadians through over 400 offices across Canada.
2) Investors Group offers a wide range of financial products and services for individuals and corporations including banking, lending, insurance, investments, retirement planning and more.
3) The document discusses how most Canadians face financial challenges such as preparing for retirement, saving for family members, taxes, debt, and disability. It emphasizes the value of financial advice in helping Canadians overcome these challenges and achieve their financial goals.
This document summarizes the services provided by Investors Group, one of Canada's largest financial institutions. It offers a comprehensive suite of financial planning and investment management services including mutual funds, segregated funds, tax planning, estate planning, insurance, lending, banking, and retirement planning. The goal is to create a customized financial plan and manage investments to help clients achieve their financial goals for life, retirement, family, and the future.
Get to know what I do (Group Benefits/Group Investments)Kevin Green
I have uploaded this presentation to give business owners a better understanding of how we work with them on group benefits and group investments. It explains our added-value approach - implementing the plan plus working with employees on their personal financial planning needs. Enjoy!
This document discusses strategies for building a sound financial plan, including managing expenses, increasing income, paying down debt, establishing an emergency fund, and investing for long-term growth. It emphasizes the importance of working with a licensed financial advisor to develop a customized plan based on individual needs and goals. The advisor can help assess the client's situation, recommend appropriate products and services, and ensure the client is comfortable with the choices made.
This document provides information about Medicare and Medicaid, including:
- Medicare is a federal health insurance program for older people and certain disabled individuals. It covers hospital insurance, medical insurance, prescription drug coverage, and managed care plans.
- Medicaid is a joint state-federal health insurance program that covers low-income, elderly, disabled, or pregnant individuals and families. Eligibility and covered benefits vary by state.
- Medicare covers hospital care, medical insurance, prescription drugs, and managed care plans. Medicaid coverage varies by state but typically includes hospital, physician, and long-term care services.
This document summarizes a client's current financial situation, including:
- Current life insurance policies for the client and spouse.
- Debts, income, mortgage, and education details.
- Assets categorized as taxable, tax-deferred, or tax-advantaged and how the client intends to use each asset.
- Personal details for the client and spouse such as names, dates of birth, employment, and retirement goals.
The document appears to be from a financial advisor seeking to provide an overview of a client's finances and recommendations to improve their financial independence and planning.
Sample financial planning recommendation from citidellGregory Atoko
This is how we do financial planning recommendations at Citidell. Treat yourself to this good service. It can very easily be one of your best decisions of the year.
This document provides a disclaimer stating that it does not constitute legal or tax advice. It then outlines the objectives of an upcoming workshop on estate planning, insurance strategies, investment strategies, retirement planning, and general planning. It notes that the workshop workbook will provide educational material and a planning checklist. The remainder of the document discusses various common myths and misconceptions related to these planning areas, and provides the truthful perspective on each topic.
The National Social Security Fund (NSSF) is Uganda's national social security scheme that provides social security benefits to employees. NSSF is funded by mandatory contributions of 5% of employees' salaries and 10% of employers' contribution. Members can receive benefits such as age benefit at retirement, invalidity benefit, survivors' benefit, withdrawal benefit, and emigration grant. To apply for and receive benefits, members must meet eligibility requirements and submit the proper forms and documentation to NSSF branches. The document provides guidance on contribution payments, benefit types, application process, and accessing member statements via online and SMS platforms.
Green Delta Insurance Company is one of the leading private insurance companies in Bangladesh. It was established in 1985 and has since expanded to over 500 employees with 39 branches across the country. Green Delta offers a wide range of insurance products for individuals and businesses. It prides itself on innovation, such as being the first insurer in Bangladesh to offer a product specifically for women and weather index insurance for farmers. The company aims to maximize shareholder value through excellent customer service and employee commitment.
The role of life insurance in retirement planningBill Hurlbut
This document discusses the role of cash value life insurance in retirement planning. It can provide benefits if the policyholder dies, becomes disabled, or lives to retirement. At retirement, the cash value can be a source of income through withdrawals, loans, or converting it into a lifetime annuity. It allows tax-deferred growth and flexible access to funds. Withdrawals and loans reduce the death benefit and cash value.
Insights Of Jiban Bima Corporation and Its Impact On EconomyAbdur Rakib
Group "B" presented on Jiban Bima Corporation (JBC), the state-owned life insurance company in Bangladesh. JBC was established in 1973 following nationalization of the insurance industry. It has a presence across Bangladesh with various offices and provides over 30 insurance schemes. JBC's vision is to cover risks and offer profits to improve standards of living. While growth has fallen, JBC plans strategic initiatives like new products and international offices to achieve targeted annual growth of 11%. As the sole provider of life insurance in Bangladesh, JBC impacts the economy by encouraging savings, investment and employment.
The document discusses various tax reliefs available in Ireland to reduce Capital Acquisitions Tax (CAT) liabilities for beneficiaries receiving gifts or inheritances. It outlines several reliefs including Business Asset Relief, which can reduce the taxable value of a business gift to 10%; the Dwelling House Exemption, which provides a total exemption for inheriting a principal private residence; and Agricultural Relief, which reduces the taxable value of inheriting agricultural assets to 10%. The document also discusses how the annual gift exemption of €3,000 and planning gifts over multiple years can significantly reduce future CAT liabilities.
The process of insurance has been evolved to safeguard the interest of people from uncertainty by providing certainty of payment at a given contingency. Insurance companies help to minimize the risk of individual’s life by insuring their property, businesses, future, family etc. MetLife Alico is from those companies. They also provide financial planning, finance, mutual funds, life insurance, and health insurance.
so regarding it here is a report on "Metlife-Alico"
Traditionally, this is the time at which we recommend you take stock of tax and finance for you, your family and your business. A strategic review before the end of the tax year on 5 April 2021 may suggest ways to structure your affairs more efficiently and make the most of your tax position. Some planning points this year reflect the impact of the pandemic.
lease be assured that we are always on hand to advise and keep you up to date with tax and finance measures as they unfold. Throughout this publication, the term spouse includes a registered civil partner. We have used the rates and allowances for 2020/21.
This document provides an overview of long-term care planning and insurance. It begins with introductory information and disclaimers. It then discusses the potential costs of long-term care based on average earnings over a career. Several facts about long-term care needs and costs are presented. Common misconceptions about who pays for long-term care are addressed. The benefits of long-term care insurance for protecting assets are described. Tax treatment of long-term care insurance premiums and benefits is summarized. Considerations for evaluating long-term care insurance policies are outlined. The document concludes by emphasizing the importance of financial management for writing one's life story.
The document discusses strategies for creating a self-funded pension using index universal life insurance and index annuities. These products offer death benefits and the potential for higher returns than fixed products while protecting against losses in market downturns. They can provide fixed income in retirement until age 120 and allow for tax-deferred growth and tax-free income, helping to create a pension-like retirement plan outside of traditional employer-sponsored plans.
This document summarizes a student's post-thesis seminar on the effects of integrated nutrient management on onion growth and yield. The student investigated 13 treatment combinations of organic manures, biofertilizers, and inorganic fertilizers. Key findings included that the combination of 40% recommended fertilizer dose, neem cake, vermicompost, and biofertilizers resulted in the highest onion bulb yield of 27.17 tons/hectare, as well as greatest growth parameters, physicochemical properties, and net returns. The study evaluated the effects of integrated nutrient management on onion variety N-53 in terms of growth, yield, quality, economics, and soil nutrient status.
4Developers 2015: Przejrzysty i testowalny kod na Androidzie? Spróbujmy z Cle...PROIDEA
Michał Charmas
Language: Polish
Pisanie dobrego oprogramowania na platformę Android jest trudnym zadaniem.
Jednym z dużych problemów, zwłaszcza w przypadku sporych aplikacji, może być podział
logiki aplikacji tak, aby nasze Activity czy Fragmenty nie były nią przeładowane
oraz aplikacja była podatna na testowanie jednostkowe. Szukając pomysłu na
architekturę aplikacji, która będzie dobrze się skalowała wraz z rozwojem projektu,
natknąłem się na Clean Architecture zaproponowaną przez Boba C. Martina.
Podczas prezentacji zobaczymy czy i jak CA sprawdza się w przypadku
aplikacji mobilnych na Androida i na co pozwala jej zastosowanie. Oczywiście nie pominiemy
takich kluczowych kwestii jak pogodzenie tego wszystkiego z wszechobecną na Androidzie
asynchronicznością.
El documento presenta los contenidos de Biología, Química y Física para 1o Medio. En Biología se incluyen las unidades de Estructura y función de los seres vivos, Organismo ambiente y sus interacciones, y contenidos relacionados con células, tejidos, órganos, ecosistemas y cadenas tróficas. En Química se describen unidades sobre Materia y sus transformaciones, incluyendo modelo cuántico, propiedades periódicas y teoría del enlace, así como leyes ponderales y estequ
Global Perspective and Issues Relating to Product RecallIOSR Journals
The paper aims to analyze the various issues related to a product recall in the globalized world where the market has become a single trading place. A recall acts like an alarm that makes the company realize that it is the time to take corrective action by reviewing and making changes in the required areas. It is very important to understand the various issues related to the product recall like the factors related to costing, legal framework, recall planning, and management’s perspective and so on. The paper aims to discuss the issues identified with recall with the examples of global companies that have faced a recall. Further the paper also focuses on the recall framework with respect to India. The paper has a practical implication both for the academicians and for the readers in terms of their concern with the aspect issues regarding product recall.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Math-- Created using PowToon -- Free sign up at http://www.powtoon.com/ -- Create animated videos and animated presentations for free. PowToon is a free tool that allows you to develop cool animated clips and animated presentations for your website, office meeting, sales pitch, nonprofit fundraiser, product launch, video resume, or anything else you could use an animated explainer video. PowToon's animation templates help you create animated presentations and animated explainer videos from scratch. Anyone can produce awesome animations quickly with PowToon, without the cost or hassle other professional animation services require.
Dan Park plans to shoot a magazine photoshoot at the BOA TV studio located at 1 Grosvenor St in Birmingham. The studio provides a green screen background that will allow Dan to match the magazine's color scheme. Dan will conduct the shoot during his media lessons which should provide enough time. Extra time may be booked during frees if needed. Power sources and lighting won't be issues as the studio is equipped for shoots.
The document discusses trends in the airline maintenance, repair, and overhaul (MRO) industry to help airlines reduce maintenance costs. It notes that airlines are under pressure to provide more for less due to competitive passenger fares. This has led airlines to look for ways to reduce maintenance costs, which account for around 11% of airline operating costs on average. The MRO industry is working to provide airlines with solutions like one-stop shop maintenance services and fly-by-the-hour service contracts to help lower costs. It is also consolidating MRO networks and exploring ways to better utilize aircraft maintenance data.
This document provides information about Medicare and Medicaid, including:
- Medicare is a federal health insurance program for older people and certain disabled individuals. It covers hospital insurance, medical insurance, prescription drug coverage, and managed care plans.
- Medicaid is a joint state-federal health insurance program that covers low-income, elderly, disabled, or pregnant individuals and families. Eligibility and covered benefits vary by state.
- Medicare covers hospital care, medical insurance, prescription drugs, and managed care plans. Medicaid coverage varies by state but typically includes hospital, physician, and long-term care services.
This document summarizes a client's current financial situation, including:
- Current life insurance policies for the client and spouse.
- Debts, income, mortgage, and education details.
- Assets categorized as taxable, tax-deferred, or tax-advantaged and how the client intends to use each asset.
- Personal details for the client and spouse such as names, dates of birth, employment, and retirement goals.
The document appears to be from a financial advisor seeking to provide an overview of a client's finances and recommendations to improve their financial independence and planning.
Sample financial planning recommendation from citidellGregory Atoko
This is how we do financial planning recommendations at Citidell. Treat yourself to this good service. It can very easily be one of your best decisions of the year.
This document provides a disclaimer stating that it does not constitute legal or tax advice. It then outlines the objectives of an upcoming workshop on estate planning, insurance strategies, investment strategies, retirement planning, and general planning. It notes that the workshop workbook will provide educational material and a planning checklist. The remainder of the document discusses various common myths and misconceptions related to these planning areas, and provides the truthful perspective on each topic.
The National Social Security Fund (NSSF) is Uganda's national social security scheme that provides social security benefits to employees. NSSF is funded by mandatory contributions of 5% of employees' salaries and 10% of employers' contribution. Members can receive benefits such as age benefit at retirement, invalidity benefit, survivors' benefit, withdrawal benefit, and emigration grant. To apply for and receive benefits, members must meet eligibility requirements and submit the proper forms and documentation to NSSF branches. The document provides guidance on contribution payments, benefit types, application process, and accessing member statements via online and SMS platforms.
Green Delta Insurance Company is one of the leading private insurance companies in Bangladesh. It was established in 1985 and has since expanded to over 500 employees with 39 branches across the country. Green Delta offers a wide range of insurance products for individuals and businesses. It prides itself on innovation, such as being the first insurer in Bangladesh to offer a product specifically for women and weather index insurance for farmers. The company aims to maximize shareholder value through excellent customer service and employee commitment.
The role of life insurance in retirement planningBill Hurlbut
This document discusses the role of cash value life insurance in retirement planning. It can provide benefits if the policyholder dies, becomes disabled, or lives to retirement. At retirement, the cash value can be a source of income through withdrawals, loans, or converting it into a lifetime annuity. It allows tax-deferred growth and flexible access to funds. Withdrawals and loans reduce the death benefit and cash value.
Insights Of Jiban Bima Corporation and Its Impact On EconomyAbdur Rakib
Group "B" presented on Jiban Bima Corporation (JBC), the state-owned life insurance company in Bangladesh. JBC was established in 1973 following nationalization of the insurance industry. It has a presence across Bangladesh with various offices and provides over 30 insurance schemes. JBC's vision is to cover risks and offer profits to improve standards of living. While growth has fallen, JBC plans strategic initiatives like new products and international offices to achieve targeted annual growth of 11%. As the sole provider of life insurance in Bangladesh, JBC impacts the economy by encouraging savings, investment and employment.
The document discusses various tax reliefs available in Ireland to reduce Capital Acquisitions Tax (CAT) liabilities for beneficiaries receiving gifts or inheritances. It outlines several reliefs including Business Asset Relief, which can reduce the taxable value of a business gift to 10%; the Dwelling House Exemption, which provides a total exemption for inheriting a principal private residence; and Agricultural Relief, which reduces the taxable value of inheriting agricultural assets to 10%. The document also discusses how the annual gift exemption of €3,000 and planning gifts over multiple years can significantly reduce future CAT liabilities.
The process of insurance has been evolved to safeguard the interest of people from uncertainty by providing certainty of payment at a given contingency. Insurance companies help to minimize the risk of individual’s life by insuring their property, businesses, future, family etc. MetLife Alico is from those companies. They also provide financial planning, finance, mutual funds, life insurance, and health insurance.
so regarding it here is a report on "Metlife-Alico"
Traditionally, this is the time at which we recommend you take stock of tax and finance for you, your family and your business. A strategic review before the end of the tax year on 5 April 2021 may suggest ways to structure your affairs more efficiently and make the most of your tax position. Some planning points this year reflect the impact of the pandemic.
lease be assured that we are always on hand to advise and keep you up to date with tax and finance measures as they unfold. Throughout this publication, the term spouse includes a registered civil partner. We have used the rates and allowances for 2020/21.
This document provides an overview of long-term care planning and insurance. It begins with introductory information and disclaimers. It then discusses the potential costs of long-term care based on average earnings over a career. Several facts about long-term care needs and costs are presented. Common misconceptions about who pays for long-term care are addressed. The benefits of long-term care insurance for protecting assets are described. Tax treatment of long-term care insurance premiums and benefits is summarized. Considerations for evaluating long-term care insurance policies are outlined. The document concludes by emphasizing the importance of financial management for writing one's life story.
The document discusses strategies for creating a self-funded pension using index universal life insurance and index annuities. These products offer death benefits and the potential for higher returns than fixed products while protecting against losses in market downturns. They can provide fixed income in retirement until age 120 and allow for tax-deferred growth and tax-free income, helping to create a pension-like retirement plan outside of traditional employer-sponsored plans.
This document summarizes a student's post-thesis seminar on the effects of integrated nutrient management on onion growth and yield. The student investigated 13 treatment combinations of organic manures, biofertilizers, and inorganic fertilizers. Key findings included that the combination of 40% recommended fertilizer dose, neem cake, vermicompost, and biofertilizers resulted in the highest onion bulb yield of 27.17 tons/hectare, as well as greatest growth parameters, physicochemical properties, and net returns. The study evaluated the effects of integrated nutrient management on onion variety N-53 in terms of growth, yield, quality, economics, and soil nutrient status.
4Developers 2015: Przejrzysty i testowalny kod na Androidzie? Spróbujmy z Cle...PROIDEA
Michał Charmas
Language: Polish
Pisanie dobrego oprogramowania na platformę Android jest trudnym zadaniem.
Jednym z dużych problemów, zwłaszcza w przypadku sporych aplikacji, może być podział
logiki aplikacji tak, aby nasze Activity czy Fragmenty nie były nią przeładowane
oraz aplikacja była podatna na testowanie jednostkowe. Szukając pomysłu na
architekturę aplikacji, która będzie dobrze się skalowała wraz z rozwojem projektu,
natknąłem się na Clean Architecture zaproponowaną przez Boba C. Martina.
Podczas prezentacji zobaczymy czy i jak CA sprawdza się w przypadku
aplikacji mobilnych na Androida i na co pozwala jej zastosowanie. Oczywiście nie pominiemy
takich kluczowych kwestii jak pogodzenie tego wszystkiego z wszechobecną na Androidzie
asynchronicznością.
El documento presenta los contenidos de Biología, Química y Física para 1o Medio. En Biología se incluyen las unidades de Estructura y función de los seres vivos, Organismo ambiente y sus interacciones, y contenidos relacionados con células, tejidos, órganos, ecosistemas y cadenas tróficas. En Química se describen unidades sobre Materia y sus transformaciones, incluyendo modelo cuántico, propiedades periódicas y teoría del enlace, así como leyes ponderales y estequ
Global Perspective and Issues Relating to Product RecallIOSR Journals
The paper aims to analyze the various issues related to a product recall in the globalized world where the market has become a single trading place. A recall acts like an alarm that makes the company realize that it is the time to take corrective action by reviewing and making changes in the required areas. It is very important to understand the various issues related to the product recall like the factors related to costing, legal framework, recall planning, and management’s perspective and so on. The paper aims to discuss the issues identified with recall with the examples of global companies that have faced a recall. Further the paper also focuses on the recall framework with respect to India. The paper has a practical implication both for the academicians and for the readers in terms of their concern with the aspect issues regarding product recall.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Math-- Created using PowToon -- Free sign up at http://www.powtoon.com/ -- Create animated videos and animated presentations for free. PowToon is a free tool that allows you to develop cool animated clips and animated presentations for your website, office meeting, sales pitch, nonprofit fundraiser, product launch, video resume, or anything else you could use an animated explainer video. PowToon's animation templates help you create animated presentations and animated explainer videos from scratch. Anyone can produce awesome animations quickly with PowToon, without the cost or hassle other professional animation services require.
Dan Park plans to shoot a magazine photoshoot at the BOA TV studio located at 1 Grosvenor St in Birmingham. The studio provides a green screen background that will allow Dan to match the magazine's color scheme. Dan will conduct the shoot during his media lessons which should provide enough time. Extra time may be booked during frees if needed. Power sources and lighting won't be issues as the studio is equipped for shoots.
The document discusses trends in the airline maintenance, repair, and overhaul (MRO) industry to help airlines reduce maintenance costs. It notes that airlines are under pressure to provide more for less due to competitive passenger fares. This has led airlines to look for ways to reduce maintenance costs, which account for around 11% of airline operating costs on average. The MRO industry is working to provide airlines with solutions like one-stop shop maintenance services and fly-by-the-hour service contracts to help lower costs. It is also consolidating MRO networks and exploring ways to better utilize aircraft maintenance data.
El arbitraje en las contrataciones públicas y la nueva ley 30225Elizabeth Ontaneda
Este documento resume los principales aspectos del arbitraje en las contrataciones del estado en Perú. Explica que el arbitraje administrativo es el único permitido, debe ser conducido por árbitros especializados en derecho administrativo y contrataciones públicas, y que los laudos arbitrales son definitivos e inapelables. También cubre temas como los mecanismos alternativos de resolución de conflictos, el contenido mínimo de los convenios arbitrales, y las materias que no pueden ser resueltas mediante arbitraje.
Propriocepção no esporte: uma revisão sobre a prevenção e recuperação de lesõ...Fernando Farias
O estudo, por meio de uma revisão bibliográfica, visa identificar estudos quep
ossuem enfoque na relação de exercícios proprioceptivos, na prevenção e reabilitação del
esões desportivas bem como suas implicações no equilíbrio postural. Foi realizada umab
usca em artigos indexados nas bases de dados MEDLINE, SciELO e Science Direct, como
s descritores em ciências da saúde: propriocepção, lesões, atletas, equilíbrio postural,p
roprioception, injuries, athletes e postural balance, combinadas entre si. Foram encontrados5
8 artigos, destes foram selecionados 16 que utilizaram a propriocepção para prevençãoc
omo para a reabilitação de lesões esportivas.
Investors Group Financial Services is a Canadian financial services company that has been operating since 1926. It serves approximately one million Canadians through over 400 offices across Canada. It offers a wide range of financial products and services for individuals and corporations including short-term products like chequing and savings accounts, long-term lending products like mortgages and loans, and investment and retirement planning products. The company takes a personalized approach to financial planning and advice to help clients meet their unique financial goals.
This document provides information about Investors Group, a Canadian financial services company that has been operating since 1926. It offers a wide range of financial products and services including short-term savings and credit, long-term lending, insurance, investment products, and financial planning services. The document discusses the challenges Canadians face regarding retirement savings, family support, taxes, and disability, and how Investors Group's financial advisors provide personalized financial plans and advice to help clients meet their goals.
This document provides information about Investors Group, a Canadian financial services company that has been operating since 1926. It offers a wide range of financial products and services including short-term banking, lending, insurance, investment products, and retirement planning services. The document emphasizes that Investors Group provides personalized financial advice and planning to help clients achieve their financial goals and prepare for challenges throughout their lifetime. It highlights the value of financial advice and having a coordinated financial plan.
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.
This document provides information about Investors Group, a Canadian financial services company. It offers a wide range of financial products and services including mutual funds, RRSPs, mortgages, insurance, and investment planning. Investors Group has over 400 offices across Canada and serves approximately one million Canadians. It also provides personalized financial planning through regional offices and specialists to help clients achieve their financial goals.
The document discusses the financial planning and investment services provided by Investors Group, including their experience and expertise in comprehensive investment management. It highlights the various products and services offered such as mutual funds, tax planning, insurance, banking, and mortgages. The focus is on creating a personalized financial plan to help clients achieve their financial goals for retirement, their family, and the future.
The document discusses the financial planning services provided by Investors Group, including their expertise in investment management, product offerings in investments, insurance, banking and lending, and goal-based financial planning process to help clients achieve their financial objectives. Investors Group uses a team approach and ongoing review to create customized financial plans and manage client investments over the long-term. The core of their services includes investment management, products and solutions tailored for diversity, and world-class money management expertise.
The document discusses Investors Group, a Canadian financial services company that offers personalized financial planning and investment management services. It highlights Investors Group's experience, assets under management, office network, and affiliation with Power Financial Corporation. The summary discusses Investors Group's approach to understanding clients' financial goals and situations in order to design comprehensive financial plans and investment portfolios tailored to each client.
The document discusses Investors Group, a Canadian financial services company that offers personalized financial planning and investment management services. It highlights Investors Group's experience, assets under management, office network, and affiliation with Power Financial Corporation. The summary discusses Investors Group's approach to understanding clients' financial goals and situations in order to design comprehensive financial plans and investment portfolios tailored to each client.
Investors Group is a Canadian financial services company that offers personalized financial planning and investment management services to help clients prosper now and in retirement. With over 80 years of experience and $42 billion in assets under management, Investors Group provides comprehensive financial solutions through a team of specialists across Canada. Their goal is to understand each client's unique needs and design a customized plan to help ensure financial security throughout life.
Alpha Wealth is an independent financial advisory company based in Ireland. Their mission is to provide impartial financial advice and excellent customer service to individuals, families, and companies. They offer advice on savings and investments, financial planning, tax planning, insurance, pensions, retirement planning, business advice, and health insurance. The team of advisors at Alpha Wealth have over 50 years of combined experience in financial services.
This document provides information about World Financial Group (WFG), including who they are, their mission and vision, strategic alliances, products offered, how to build income through WFG, and options to become a client or business owner. Key details include:
- WFG is a financial services company made up of an insurance agency and mutual fund dealer that offers products like mutual funds, insurance, and retirement plans.
- Their mission is to help families achieve financial independence and their vision is to build the world's best financial services organization.
- Associates can build income by helping families and receiving commissions, with examples showing potential monthly earnings ranging from $2,520 to $15,480.
- Options
This document provides an overview of World Financial Group's (WFG) financial planning services. WFG helps clients achieve their financial goals through a customized strategy developed by a licensed associate. The strategy addresses challenges like debt management, emergency savings, retirement planning, and life insurance needs. WFG offers access to products from major insurance and investment companies. The document outlines various financial strategies and tools that WFG associates can use to help clients build wealth, manage debt, plan for retirement and other goals.
This document provides an overview of World Financial Group's (WFG) financial planning services. WFG helps clients achieve their financial goals through a customized strategy developed by a licensed associate. The strategy addresses challenges like debt management, emergency savings, retirement planning, and life insurance needs. WFG offers access to products from major insurance and investment companies. The document outlines various financial strategies and tools that can help clients build wealth, manage debt, save for emergencies and the future, and properly protect themselves and their families.
Money Plant Financial Services provides various financial planning services including insurance planning, tax planning, investment planning, retirement planning, and more. It aims to provide optimal financial solutions to individuals. The company represents clients, not any specific fund houses or insurance companies. It assists clients in developing financial goals and implementing financial plans through products like life insurance, health insurance, mutual funds, fixed deposits, bonds, and real estate investments. The document provides details on various financial products and services offered by the company.
This document is a financial life checkup questionnaire that asks the individual to rate their satisfaction level with various financial areas on a scale of 1 to 5. It covers cash flow management, risk management and investments, financial management and estate planning, education, and qualitative issues. The individual is asked to provide their name, date, phone number and email at the top.
This document provides information about financial planning services offered by World Financial Group (WFG). WFG associates assess clients' unique needs and goals to help them work toward a more secure financial future. WFG offers a broad range of products like life insurance, annuities, investment funds, and retirement accounts from multiple providers. The document discusses challenges to financial security like debt, college costs, retirement and health care savings shortfalls, and inflation. It promotes the benefits of a customized financial needs analysis from WFG to address these challenges through strategies like debt management, emergency savings, asset accumulation, and proper insurance protection.
Meet your IG Wealth Management team.
At IG Wealth Management, we know that today, good financial advice is more important than ever. I take a long-term approach to planning. I believe that with a detailed plan, reviewed and
updated regularly, you will have
the financial resources to realize your goals and stay on track. I believe that building long-term relationships with clients is the best way to help you and your family to explore the financial options that are best for you at each stage of your life.
As an IG Wealth Management client, you will be supported by
the experience, resources and superior products that have helped make us one of the largest and most respected financial services companies in Canada.
We all work to help ensure your financial plan meets your needs in both the short and long term. Whatever your short or long-term financial goals. I will work with you to develop a plan to help get you there.
PRODUCTS AND PLANS
• Mutual funds
• Registered retirement savings plans (RRSPs)
• Tax-free savings accounts (TFSAs)
• Registered retirement income funds (RRIFs)
• Life income funds (LIF)
• Locked-in retirement accounts (LIRAs)
• Locked-in retirement income funds (LRIFs)
• Registered education savings plans (RESPs)
• Registered disability savings plans (RDSPs)
• Annuities
• Charitable Giving Program
• Guaranteed investment certificates (GICs)
• Guaranteed investment funds (GIFs)
• Individual pension plans
• Lifetime income benefit
• Managed asset program (iProfile)
• Portfolio funds
• Tax-advantaged funds (Corporate Class)
• Brokerage products such as stocks and bonds
About IG Wealth Management
For over 90 years, we have believed that building long-term relationships with clients is the best way to help individuals reach their financial goals at each stage of their lives.
Whatever your plans, our personalized approach to financial planning can help make them a reality. Let us help you provide for the people you care about.
• A Canadian pioneer in financial services since 1926
• Serve approximately one million Canadians
• Offices from coast to coast
• A member of the Power Financial Corporation group of companies
• Investors Group Inc. is a wholly owned subsidiary of IGM Financial Inc., one of the country’s largest managers and distributors of mutual funds and other managed asset products with approximately $160 billion in total assets under management.
1. The document provides information about financial planning services offered by Turenne Joseph, a financial advisor with Investors Group. It discusses various financial topics and risks women may face.
2. Building wealth, protecting assets, and planning for retirement and legacy are important topics to discuss with a financial advisor. Insufficient planning can leave one vulnerable.
3. Meeting regularly with a financial planner allows them to ensure one's investments, insurance, and estate plan align with their goals and risk tolerance over the long term. Asking the right questions is important to financial security.
Kevin Brunner focuses on creating guaranteed retirement income for clients rather than chasing returns. He believes most financial advisors focus on growing assets for their own benefit rather than their clients' needs. Brunner works with small business owners, providing holistic advice on business structures and taxes. His goal is to maximize retirement income through tax efficiency and eliminating inefficiencies.
2. os
wer Financial Corporation
lish
MONTRéAL
TORONTO
DUBLIN
HONG KONG
WINNIPEG
Strength and stability
3 Canadian pioneer in financial services since 1926
3 Serves approximately one million Canadians
3 More than 400 offices from coast to coast
3 A member of the Power Financial
Corporation group of companies
3 Investors Group Inc. is a wholly owned subsidiary of
IGM Financial Inc., and is one of the country’s largest
managers and distributors of mutual funds and other
managed asset products with over $132 billion in total
assets under managementi
3 IGM Financial Inc. is the sixth largest publicly traded
global asset manager by market capitalizationii
i
Assets under management figure as at January 31, 2014
ii
Market Capitalization figure as at December 31, 2013
3. Complete financial
services for individuals
and corporations
Short-term
3 Chequing
3 Savings
3 Credit cards
Lending
3 Mortgages
3 Loans
3 Lines of credit
Income protection
3 Life insurance
3 Accident/sickness
3 Critical illness
3 Long-term care
3 Health and dental
3 Group insurance
Products & plans
3 Mutual funds
3 RRSPs
3 RESPs
3 RDSPs
3 Tax-Free Savings
Accounts (TFSAs)
3 GICs
3 Annuities
3 Registered Retirement
Income Funds (RRIFs)
3 Guaranteed
Investment Funds (GIFs)
3 Tax-advantaged funds
3 Individual pension plans
3 Group retirement services
3 Brokerage services through
Investors Group Securities Inc.
3 Investors Group Charitable
Giving Program
World-class relationships
As of July 2013
**
4. 3 Providing for family members
– 2 in10 boomers are concerned about saving for
expenses related to aging parents, as well as looking
after their own needsi
3 Paying too much tax
– 42% of Canadians surveyed agree that
reducing the amount of taxes they pay is an
important immediate financial goali
3 Protecting yourself and your loved ones
– just over one in four of today’s 20-year-olds will
become disabled before they retireii
3 Managing personal balance sheet
– one in three Canadians with debt admit
to losing sleep over their debt loadiii
3 Choosing the right advice and best financial vehicles
– households without an advisor
– have less investable assets
– are less likely to take advantage of RRSPs and TFSAsiv
i Ipsos Reid, Canadians & Financial Advice, February 2013
ii Council for Disability Awareness, 2013
iii Investors Group’s “Gain and pain poll,” April/May 2011, online survey conducted by Harris/Decima
iv Ipsos Reid “Canadian Financial Monitor”, special analysis for IFIC, 2010
Most Canadians face
financial challenges
3 Low retirement income
– 87% of Canadian boomers feel they are
not fully prepared for retirement
36% of surveyed boomers said that if they could
go back and do it again, they would start saving
for retirement earlier.*
Source: PMG Intelligence “Canadian Boomers and the New Retirement” 2009 Statistics shown represent responses from survey
participants aged 45 to 70 who indicated they were not yet retired to the following question: “Thinking of everything about the time
of life called retirement, including social, health, financial, recreational and other issues, how ready are you for retirement?”
* Investors Group’s “When I’m 65 Poll,” Oct/Nov 2010, online survey conducted by Harris/Decima
13% Extremely ready
34% Somewhat ready
32% Not sure
12% Not particularly ready
9% Not at all ready
5. The value of advice
Household age Household income
45 and under 65 and over45 – 54 55 – 64
no advice
Age of head of household (2009)
Averageinvestableassets
$272,761
$66,064$46,462$51,649$24,787
$246,752$140,155$79,074
3.2x 2.7x 5.3x 4.1x
with advice
$35,000 – $54,999 $100,000 or more$55,000 – $69,999 $70,000 – $99,999
no advice
Household income (2009)
Averageinvestableassets
$214,587
$138,358$44,103$29,119$27,104
$164,542$197,273$125,348
4.6x 6.8x 3.7x 1.6x
with advice
Source: Ipsos Reid ‘Canadian Financial Monitor’, special analysis for IFIC, 2010 Source: Ipsos Reid ‘Canadian Financial Monitor’, special analysis for IFIC, 2010
National data shows that Canadians at
any age and income level can benefit
from having a financial advisor.
6. Keeping up takes time We take the time
3 Increasing rate of change
3 Financial services are complex
3 Government legislated changes
3 Career and personal demands take priority
3 Our purpose is to
– discover
– analyze
– explain
– advise
– solve financial problems
No one has taken the time to explain, in understandable
terms, how to pull everything together!
7. 3 Recognizes individual differences
3 Is co-ordinated and flexible
3 Provides a personal financial program
3 Faces realities and finds opportunities
3 We know that financial independence is:
– different things to different people
– getting the things you want
– doing the things you enjoy
– based on your lifestyle
OUR APPROACHOur approach is unique... recognizes individual
differences
8. 3 Helping you set financial goals
3 Taking advantage of tax-saving opportunities
3 Ensuring your investments reflect your personal financial goals
Financial independence depends on you –
not the company, government, relatives or friends!
A part of all you earn is yours to keep.
Short-term
reserve
Planning for emergencies
and opportunities
Developing a
financial reserve
Income & asset
protection
For you and your
dependants in case of:
– Premature death
– Disability, critical illness
– Long-term care
Moderate-term
goals
Educate my children
Purchase a home/cottage
Leisure activities
Longer-term
goals
Financial independence
Retire comfortably
Preserve my estate
The Investors Four Cornerstones Philosophy™
is the foundation for financial independence.
* Six disciplines of financial planning
Insurance
planning*
Estate
planning*
Investment
planning*
Tax
planning*
Retirement
planning*
Cash
management*
Education
planning
OUR APPROACHis co-ordinated
and flexible
provides a personal
financial program
9. 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 one
3 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 estate
OUR APPROACH
Throughout their lifetime, everyone
can benefit from financial planning.
faces realities and
finds opportunities
10. 3 We establish and maintain continuity of
personal service by providing a
– realistic financial plan
– regular review and update
Professional and
personal service
Through the region office
– Securities
– Mortgage and banking
– Insurance
Your net worth is a snapshot of your current financial position. It is also a benchmark from which you can measure
progress 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 the
information 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 have
provided, you are expected to have a cash flow surplus of $26,255 at the end of 2010.
wolFhsaC
htroWteN
Assets
Liabilities
Net Worth
Incomes
Outflows
Surplus
Net Worth
Registered Assets*
$520,000
Non-Registered Assets
$170,000
Lifestyle Assets
$600,000
Total Assets
$1,290,000
Liabilities
($215,000)
Net Worth
$1,075,000
* TFSAs are included in Registered Assets
Cash Flow
Income
$214,797
Lifestyle Expenses
$104,756
Savings
$21,181
Estimated Taxes
$62,605
Annual Surplus
$26,255
Monthly Surplus
$2,188
Your personal plan
makes it easy to
– know where you stand
– plan to reach your goals
– stay on track
3 Access to a team of specialists
Through head office
– Retirement planning
– Estate planning
– Tax planning
– Risk management
– Investment planning
– Product support
– Client administration
services and support
– Technology support
11. Investment products and services are offered through Investors Group Financial Services
Inc. (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 Canadian
Investor 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-West
Life 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 be
referred to a Mortgage Planning (Agent) Specialist. *In the Province of Ontario, Mortgage
Brokerage Licence #10809, Mortgage Administrator Licence #11256.
The Canada Disability Savings Grant and the Canada Disability Savings Bond are provided
by the Government of Canada. Eligibility depends on family income levels.
The Investors Group Charitable Giving Program is offered together with the Strategic
Charitable Giving Foundation, which operates independently from Investors Group.
Donations are irrevocable and vest with the Foundation. This information is general in
nature and not intended to be professional tax advice. Please read the Program Guide for
complete details, including fees and expenses.
Commissions, fees and expenses may be associated with mutual fund investments and
the use of Symphony Strategic Investment Planning™. Read the prospectus and speak
to an Investors Group Consultant before investing. Mutual funds are not guaranteed,
values change frequently and past performance may not be repeated. Symphony is an
asset allocation service which provides a strategic approach to investment planning
relating only to Investors Group mutual funds.
Trademarks of financial partners appear with their specific approval.
Banking products and services are distributed through Solutions Banking™. Solutions
Banking products and services are provided by National Bank of Canada.
™ Solutions Banking is a trademark of Power Financial Corporation. Investors Group
and design are trademarks owned by IGM Financial Inc. and licensed to its subsidiary
corporations. National Bank of Canada is a licensed user of these trademarks.
™ Trademark owned by IGM Financial Inc. and licensed to its subsidiary corporations.
C3146 (09/2013-PW)