The document discusses six common mistakes that retirees make with their finances, including not understanding risks, having the wrong time horizon, failing to understand stocks and fees, and mistakes with RRIFs. It also discusses longevity increasing and aging populations. Later it discusses risks, long term care, and being prepared for the future. Overall it provides information on financial planning issues for retirees.
The Environmental Information System (ENVIS) is a decentralized network of databases in India that provides environmental information to various groups. It was established in 1982-1983 by the Ministry of Environment, Forest and Climate Change. ENVIS serves as India's focal point for the UN Environment Programme's global environmental information network. It aims to build repositories of environmental data, develop information technologies, and disseminate relevant information to users. Each ENVIS center focuses on a specific topic and works to collect, analyze, and share data on its subject area.
ScienceDirect is a digital platform providing access to over 16 million peer-reviewed articles and 39,000 ebooks from over 2,500 scientific journals and 24 major disciplines. It allows users to search, discover, and organize relevant research all in one place from any location through their library's subscription. ScienceDirect helps users stay informed in their fields, be more effective in their work, and work efficiently from anywhere using remote access on desktops, laptops, tablets, and mobile devices.
Bibliometrics is the application of mathematical and statistical methods to analyze publications. It is used to study written communication and measure outputs. Common bibliometric methods are citation analysis and content analysis. Bibliometrics helps identify key journals, rank publications, evaluate research output, and measure the usefulness of information services. Important bibliometric laws include Lotka's law, Bradford's law, and Zipf's law, which describe publication and word frequency distributions.
Identifying, quantifying and valuing ecosystem services in the context of eco...CIFOR-ICRAF
This document summarizes a presentation on identifying, quantifying, and valuing ecosystem services in the context of ecological restoration. It defines ecosystem services and discusses how restoration can benefit ecosystem services. It also describes frameworks for identifying, quantifying, and valuing ecosystem services. The document then outlines the presenter's own work conducting an assessment of ecosystem services from different land uses in Southeast Austria, finding the highest economic values associated with mature plantations but noting a need for more comprehensive valuation. It concludes by stating the importance of understanding linkages between ecology, economics, and society to ensure human well-being and sustainability.
MEDLARS - Medical Literature Analysis And Retrieval SystemPALLAB DAS
MEDICAL Literature Analysis and Retrieval System (MEDLARS) is the largest bibliographic database for medical literature. It was developed in the 1960s at a cost of $3 million and was the first fully operational electronic storage and retrieval system of its scale. MEDLARS indexes over 25 million references from medical journals and allows users to search for relevant articles using controlled vocabulary terms from the Medical Subject Headings (MeSH) thesaurus. The system was later expanded with online versions like MEDLINE and public access versions like PubMed, greatly increasing its accessibility. Proper indexing of articles using MeSH terms and effective query analysis are important for high recall and precision when searching MEDLARS.
Global Forest Watch (GFW) provides global maps of carbon dioxide emitted and captured by forests, letting users visualize and quantify historical emissions and sequestration (removals) in areas such as countries, provinces, corporate land holdings and protected areas. GFW also continues to improve the forest carbon flux monitoring framework.
GFW’s expert-led office hours on September 18 provided an overview of the carbon data and information on how to access and analyze it using GFW’s platform and tools.
During office hours, users had the opportunity to ask questions, work through problems and share lessons learned.
This document discusses the basics of subject indexing in libraries. It defines subject indexing as providing subject access to microdocuments like journal articles and research reports by assigning appropriate subject terms. The key points covered are:
- Subject indexing allows users to identify documents on a given subject and find related documents.
- Indexes are helpful for retrieving information from both print and digital collections. They provide subject access through assigned terms.
- Effective subject indexing requires identifying the main concepts in a document and re-expressing them as index terms so the document and terms express the same concepts.
- Principles of indexing include using terminology familiar to users and bringing related documents together under consistent, unambiguous headings. Specificity and exhaustivity must
The Environmental Information System (ENVIS) is a decentralized network of databases in India that provides environmental information to various groups. It was established in 1982-1983 by the Ministry of Environment, Forest and Climate Change. ENVIS serves as India's focal point for the UN Environment Programme's global environmental information network. It aims to build repositories of environmental data, develop information technologies, and disseminate relevant information to users. Each ENVIS center focuses on a specific topic and works to collect, analyze, and share data on its subject area.
ScienceDirect is a digital platform providing access to over 16 million peer-reviewed articles and 39,000 ebooks from over 2,500 scientific journals and 24 major disciplines. It allows users to search, discover, and organize relevant research all in one place from any location through their library's subscription. ScienceDirect helps users stay informed in their fields, be more effective in their work, and work efficiently from anywhere using remote access on desktops, laptops, tablets, and mobile devices.
Bibliometrics is the application of mathematical and statistical methods to analyze publications. It is used to study written communication and measure outputs. Common bibliometric methods are citation analysis and content analysis. Bibliometrics helps identify key journals, rank publications, evaluate research output, and measure the usefulness of information services. Important bibliometric laws include Lotka's law, Bradford's law, and Zipf's law, which describe publication and word frequency distributions.
Identifying, quantifying and valuing ecosystem services in the context of eco...CIFOR-ICRAF
This document summarizes a presentation on identifying, quantifying, and valuing ecosystem services in the context of ecological restoration. It defines ecosystem services and discusses how restoration can benefit ecosystem services. It also describes frameworks for identifying, quantifying, and valuing ecosystem services. The document then outlines the presenter's own work conducting an assessment of ecosystem services from different land uses in Southeast Austria, finding the highest economic values associated with mature plantations but noting a need for more comprehensive valuation. It concludes by stating the importance of understanding linkages between ecology, economics, and society to ensure human well-being and sustainability.
MEDLARS - Medical Literature Analysis And Retrieval SystemPALLAB DAS
MEDICAL Literature Analysis and Retrieval System (MEDLARS) is the largest bibliographic database for medical literature. It was developed in the 1960s at a cost of $3 million and was the first fully operational electronic storage and retrieval system of its scale. MEDLARS indexes over 25 million references from medical journals and allows users to search for relevant articles using controlled vocabulary terms from the Medical Subject Headings (MeSH) thesaurus. The system was later expanded with online versions like MEDLINE and public access versions like PubMed, greatly increasing its accessibility. Proper indexing of articles using MeSH terms and effective query analysis are important for high recall and precision when searching MEDLARS.
Global Forest Watch (GFW) provides global maps of carbon dioxide emitted and captured by forests, letting users visualize and quantify historical emissions and sequestration (removals) in areas such as countries, provinces, corporate land holdings and protected areas. GFW also continues to improve the forest carbon flux monitoring framework.
GFW’s expert-led office hours on September 18 provided an overview of the carbon data and information on how to access and analyze it using GFW’s platform and tools.
During office hours, users had the opportunity to ask questions, work through problems and share lessons learned.
This document discusses the basics of subject indexing in libraries. It defines subject indexing as providing subject access to microdocuments like journal articles and research reports by assigning appropriate subject terms. The key points covered are:
- Subject indexing allows users to identify documents on a given subject and find related documents.
- Indexes are helpful for retrieving information from both print and digital collections. They provide subject access through assigned terms.
- Effective subject indexing requires identifying the main concepts in a document and re-expressing them as index terms so the document and terms express the same concepts.
- Principles of indexing include using terminology familiar to users and bringing related documents together under consistent, unambiguous headings. Specificity and exhaustivity must
Garbage, also known as municipal solid waste, includes household, commercial, and industrial waste. It can be categorized as biodegradable, recyclable, inert, composite, and hazardous waste. Garbage poses environmental issues such as contaminating groundwater and using up landfill space. Many countries are trying to reduce waste through reuse, recycling, composting, and education programs to lessen these impacts. The United Arab Emirates generates a high amount of municipal solid waste per capita due to factors like population growth and lack of awareness, but is taking steps like privatization and recycling programs to minimize its effects.
This document discusses trends in scientific communication. It begins by defining science and the objective of scientific communication, which is to clearly communicate new scientific knowledge as part of the scientific method. The scientific method involves making observations, asking questions, proposing hypotheses, making predictions, testing predictions through new observations, and rejecting hypotheses that fail. The document then outlines the common paths of scientific communication and various modes of communication like writing papers, presentations, proposals, and extracting information from the web. It notes that mastering communication skills is key to professional success. Finally, it concludes that science communication plays a vital role in disseminating information to academics and influences societal development.
Digital libraries: successfully designing developing and implementing your d...Beatrice Amollo
This document outlines key considerations for developing a successful digitization strategy. It discusses designing the strategy by conducting project planning which includes determining objectives, audiences, and assessing materials. It also covers developing the strategy through pre-digitization activities like creating metadata and training. The document then discusses implementing the strategy through digital conversion processes and post-digitization quality control and evaluation. The overall strategy framework involves planning, development, and implementation stages aligned within the four phases of a digitization project.
A presentation on Digital Preservation by Rupesh Kumar A, Assistant Professor, Department of Studies and Research in Library and Information Science, Tumkur University, Tumakuru, Karnataka, India.
DOMAINS OF USER STUDIES (User Studies and User Education)Libcorpio
Domains of user studies include defining terms, understanding user needs and behaviors, search strategies, and barriers to information seeking. Research has studied who library users are, how they seek information, and what challenges they face. Questionnaires are commonly used to analyze user search patterns and barriers. Understanding user information behavior helps libraries better meet user needs through collections, services, and facilities.
This document discusses the importance of library cooperation and linkages. It defines key terms like cooperation, linkages, consortium and network. It identifies the essential elements for building a consortium as mutual objectives, joint decision making and continuous improvement. Critical success factors include a shared vision, cost effectiveness, staff skills and adapting over time. Advantages of consortium building are a comprehensive collection, reduced costs, enhanced services and staff development. Challenges include developing teamwork, trust and a win-win approach. Examples of library cooperation efforts provided are interlibrary loan, cooperative collection development and membership in library associations. The presentation recommends libraries continue aiming to provide access to information through cooperation and linkages.
This document summarizes a student research paper on the benefits of urban forests. It discusses the environmental, social, aesthetic, and economic benefits that trees provide in cities. It also profiles 4 cities - Sacramento, Portland, New York, and Sydney - that have highly successful urban forestry programs due to factors like community support, sufficient budgets, and comprehensive management plans. Finally, it compares the urban forestry plans of Chico, CA to these other cities and identifies ways Chico's plans could be strengthened.
Overview of a few Content Management Systems and how they can be used in libraries.
Final Project presentation for MLIS 7505 at Valdosta State University.
Planning and Implementing a Digital Library ProjectJenn Riley
This document provides an overview of planning and implementing a digital library project. It discusses establishing goals and objectives, planning activities such as selecting content and writing proposals, implementing digitization, and evaluating projects. The document was presented as part of a workshop on digital library projects, and provides guidance on various aspects of the planning and implementation process.
WebDewey is a subscription service that provides online access to the Dewey Decimal Classification system to eliminate the need for multiple paper copies. Each user receives their own login and password. Searching provides specific results while browsing allows for more general searches across Dewey numbers, relative index terms, and Library of Congress Subject Headings. Browsing and searching both return relevant classification numbers and related terms to aid in cataloguing items. Users can contact the presenter for additional training on using WebDewey.
This document discusses the history and current state of Library and Information Science (LIS) education in Pakistan. It provides an overview of the development of LIS education from its beginnings in 1915 at the University of the Punjab to the current landscape. Some key points:
- LIS education started at the undergraduate level and has expanded to include certificate, bachelor's, master's, and PhD programs. However, there are still only 14 universities that offer LIS degrees out of over 250 total universities in Pakistan.
- The core courses taught across LIS programs include classification, cataloguing, information science theory, library management, and research methods. However, curricula vary between universities.
- Challenges to
The document discusses several causes and effects of deforestation and environmental degradation. It notes that over 12 million hectares of natural forest are lost annually, mainly due to selective logging and forest fires. Deforestation leads to soil erosion, climate change, species extinction and changes to local ecosystems. Some of the largest drivers of deforestation are logging, cattle ranching, agriculture and mining. Reducing consumption, recycling, and shifting to renewable energy and green transportation can help limit further environmental degradation.
Library science and information science are related fields that both deal with collecting, organizing, and sharing information. While they have similar goals, they differ in some of their techniques. Library science focuses on managing physical collections within institutions like libraries, while information science takes a more technical approach to storing and retrieving digital information. Both fields have evolved over time and now often overlap, as modern librarianship incorporates more information and communication technologies.
Many experts say the rise of embedded and wearable computing will bring the next revolution in digital technology. They say the upsides are enhanced health, convenience, productivity, safety, and more useful information for people/organizations. The downsides: challenges to personal privacy, over-hyped expectations, and boggling tech complexity. Lee Rainie shares the latest research from Pew about libraries and puts it into context with the expanding Internet of Things.
Current trends in library science researchVISHNUMAYA R S
1. Research in library and information science started in India in the 1930s led by Dr. S.R. Ranganathan who made contributions to areas like classification, cataloguing, and library administration.
2. Formal research is now conducted at the master's, MPhil, PhD, and D.Litt levels in India. Current trends in research include user studies, digital libraries, cross-language information retrieval, and developing open source software.
3. However, issues like a lack of funding and infrastructure as well as plagiarism impact the quality of research being conducted. Improving research productivity will rely on contributions from researchers and their guides.
The document discusses key considerations for retirement planning including assessing lifestyle needs and goals, understanding investment risks in retirement, ensuring adequate income and managing assets appropriately. It emphasizes creating a financial plan, diversifying investments, rebalancing portfolios over time and avoiding emotional reactions to market volatility to achieve retirement objectives.
The document analyzes whether investors remain psychologically scarred from the 2008-2009 financial crisis in a way that has disrupted their normal assessment of risk and reward. It finds that investors exhibit several psychological constraints, including heuristics, overconfidence, and loss aversion. It predicts that as a result, the "wall of worry" phase of the bull market will last longer than usual, economic activity will be slower to recover, portfolio models may misjudge returns, interest rates will stay low for longer, and equities may underperform bonds for an extended period. Investors will also be slow to reallocate back into equities.
The document discusses various types of investments including stocks, bonds, cash, and mutual funds. It provides details on the sources of profit for each type, how they work, their level of risk, and long-term returns. The document also covers concepts like asset allocation, diversification, inflation, and the importance of starting to invest early.
Garbage, also known as municipal solid waste, includes household, commercial, and industrial waste. It can be categorized as biodegradable, recyclable, inert, composite, and hazardous waste. Garbage poses environmental issues such as contaminating groundwater and using up landfill space. Many countries are trying to reduce waste through reuse, recycling, composting, and education programs to lessen these impacts. The United Arab Emirates generates a high amount of municipal solid waste per capita due to factors like population growth and lack of awareness, but is taking steps like privatization and recycling programs to minimize its effects.
This document discusses trends in scientific communication. It begins by defining science and the objective of scientific communication, which is to clearly communicate new scientific knowledge as part of the scientific method. The scientific method involves making observations, asking questions, proposing hypotheses, making predictions, testing predictions through new observations, and rejecting hypotheses that fail. The document then outlines the common paths of scientific communication and various modes of communication like writing papers, presentations, proposals, and extracting information from the web. It notes that mastering communication skills is key to professional success. Finally, it concludes that science communication plays a vital role in disseminating information to academics and influences societal development.
Digital libraries: successfully designing developing and implementing your d...Beatrice Amollo
This document outlines key considerations for developing a successful digitization strategy. It discusses designing the strategy by conducting project planning which includes determining objectives, audiences, and assessing materials. It also covers developing the strategy through pre-digitization activities like creating metadata and training. The document then discusses implementing the strategy through digital conversion processes and post-digitization quality control and evaluation. The overall strategy framework involves planning, development, and implementation stages aligned within the four phases of a digitization project.
A presentation on Digital Preservation by Rupesh Kumar A, Assistant Professor, Department of Studies and Research in Library and Information Science, Tumkur University, Tumakuru, Karnataka, India.
DOMAINS OF USER STUDIES (User Studies and User Education)Libcorpio
Domains of user studies include defining terms, understanding user needs and behaviors, search strategies, and barriers to information seeking. Research has studied who library users are, how they seek information, and what challenges they face. Questionnaires are commonly used to analyze user search patterns and barriers. Understanding user information behavior helps libraries better meet user needs through collections, services, and facilities.
This document discusses the importance of library cooperation and linkages. It defines key terms like cooperation, linkages, consortium and network. It identifies the essential elements for building a consortium as mutual objectives, joint decision making and continuous improvement. Critical success factors include a shared vision, cost effectiveness, staff skills and adapting over time. Advantages of consortium building are a comprehensive collection, reduced costs, enhanced services and staff development. Challenges include developing teamwork, trust and a win-win approach. Examples of library cooperation efforts provided are interlibrary loan, cooperative collection development and membership in library associations. The presentation recommends libraries continue aiming to provide access to information through cooperation and linkages.
This document summarizes a student research paper on the benefits of urban forests. It discusses the environmental, social, aesthetic, and economic benefits that trees provide in cities. It also profiles 4 cities - Sacramento, Portland, New York, and Sydney - that have highly successful urban forestry programs due to factors like community support, sufficient budgets, and comprehensive management plans. Finally, it compares the urban forestry plans of Chico, CA to these other cities and identifies ways Chico's plans could be strengthened.
Overview of a few Content Management Systems and how they can be used in libraries.
Final Project presentation for MLIS 7505 at Valdosta State University.
Planning and Implementing a Digital Library ProjectJenn Riley
This document provides an overview of planning and implementing a digital library project. It discusses establishing goals and objectives, planning activities such as selecting content and writing proposals, implementing digitization, and evaluating projects. The document was presented as part of a workshop on digital library projects, and provides guidance on various aspects of the planning and implementation process.
WebDewey is a subscription service that provides online access to the Dewey Decimal Classification system to eliminate the need for multiple paper copies. Each user receives their own login and password. Searching provides specific results while browsing allows for more general searches across Dewey numbers, relative index terms, and Library of Congress Subject Headings. Browsing and searching both return relevant classification numbers and related terms to aid in cataloguing items. Users can contact the presenter for additional training on using WebDewey.
This document discusses the history and current state of Library and Information Science (LIS) education in Pakistan. It provides an overview of the development of LIS education from its beginnings in 1915 at the University of the Punjab to the current landscape. Some key points:
- LIS education started at the undergraduate level and has expanded to include certificate, bachelor's, master's, and PhD programs. However, there are still only 14 universities that offer LIS degrees out of over 250 total universities in Pakistan.
- The core courses taught across LIS programs include classification, cataloguing, information science theory, library management, and research methods. However, curricula vary between universities.
- Challenges to
The document discusses several causes and effects of deforestation and environmental degradation. It notes that over 12 million hectares of natural forest are lost annually, mainly due to selective logging and forest fires. Deforestation leads to soil erosion, climate change, species extinction and changes to local ecosystems. Some of the largest drivers of deforestation are logging, cattle ranching, agriculture and mining. Reducing consumption, recycling, and shifting to renewable energy and green transportation can help limit further environmental degradation.
Library science and information science are related fields that both deal with collecting, organizing, and sharing information. While they have similar goals, they differ in some of their techniques. Library science focuses on managing physical collections within institutions like libraries, while information science takes a more technical approach to storing and retrieving digital information. Both fields have evolved over time and now often overlap, as modern librarianship incorporates more information and communication technologies.
Many experts say the rise of embedded and wearable computing will bring the next revolution in digital technology. They say the upsides are enhanced health, convenience, productivity, safety, and more useful information for people/organizations. The downsides: challenges to personal privacy, over-hyped expectations, and boggling tech complexity. Lee Rainie shares the latest research from Pew about libraries and puts it into context with the expanding Internet of Things.
Current trends in library science researchVISHNUMAYA R S
1. Research in library and information science started in India in the 1930s led by Dr. S.R. Ranganathan who made contributions to areas like classification, cataloguing, and library administration.
2. Formal research is now conducted at the master's, MPhil, PhD, and D.Litt levels in India. Current trends in research include user studies, digital libraries, cross-language information retrieval, and developing open source software.
3. However, issues like a lack of funding and infrastructure as well as plagiarism impact the quality of research being conducted. Improving research productivity will rely on contributions from researchers and their guides.
The document discusses key considerations for retirement planning including assessing lifestyle needs and goals, understanding investment risks in retirement, ensuring adequate income and managing assets appropriately. It emphasizes creating a financial plan, diversifying investments, rebalancing portfolios over time and avoiding emotional reactions to market volatility to achieve retirement objectives.
The document analyzes whether investors remain psychologically scarred from the 2008-2009 financial crisis in a way that has disrupted their normal assessment of risk and reward. It finds that investors exhibit several psychological constraints, including heuristics, overconfidence, and loss aversion. It predicts that as a result, the "wall of worry" phase of the bull market will last longer than usual, economic activity will be slower to recover, portfolio models may misjudge returns, interest rates will stay low for longer, and equities may underperform bonds for an extended period. Investors will also be slow to reallocate back into equities.
The document discusses various types of investments including stocks, bonds, cash, and mutual funds. It provides details on the sources of profit for each type, how they work, their level of risk, and long-term returns. The document also covers concepts like asset allocation, diversification, inflation, and the importance of starting to invest early.
- Inflation from 1973-2008 increased 500% while the S&P 500 and bonds ran out of money by 1990 and 1994 respectively when using a 5% withdrawal rate.
- Diversifying across different asset classes with varying risk profiles can increase returns while lowering risks compared to being fully invested in stocks or bonds alone.
- Rebalancing a portfolio periodically helps investors buy low and sell high, lowering risks and increasing returns over the long run.
This document discusses long term investment perspectives and solutions. It begins by outlining common investment questions and problems clients face. It then provides principles for problem solving, including taking a long term view, diversification, and active asset allocation. Several charts show long term returns for various asset classes and indexes, demonstrating the benefits of equities and downsides of cash over time. It discusses MacroSolutions' approach of integrating top-down macro analysis with bottom-up stock selection and provides some examples of investment themes. Performance charts show the funds outperforming peers and delivering returns above inflation over multiple time periods. It concludes that a multi-asset class approach can solve most client needs and that active management adds value over the long term.
The document discusses principles of behavioral finance and long-term investing. It notes that investors tend to be overconfident and influenced by short-term gains. Successful long-term investing requires discipline, focusing on asset allocation and diversification, and ignoring short-term noise and market hype. The key is developing a personalized investment policy and sticking to a plan through different market conditions.
This presentation is to communicate ideas and information that will help you build financial security. We define financial security as a feeling of confidence that you will achieve your financial goals through the actions you are taking today.
This document is a slide presentation on conservative investing strategies for retirement. It discusses the importance of having predictable income and principal protection in retirement. It introduces a "123 Easy" model for allocating assets into demand accounts (cash), principal insured accounts, and risk accounts. The model aims to balance access to cash, protection of principal, and gains or losses from risk. The presentation shows how this model would have performed better than a purely stock-focused portfolio during the 2000-2009 bear market by experiencing smaller losses and having more money remaining after 10 years. It emphasizes the need to review investments regularly and adjust the asset allocation over time based on goals and market conditions.
"Opportunities and Pitfalls in Momentum Investing" by Gary Antonacci, Author ...Quantopian
Presented at QuantCon Singapore 2016, Quantopian's quantitative finance and algorithmic trading conference, November 11th.
Gary will begin by explaining the origins and history of momentum investing. He will show why momentum is called “the premier anomaly.” He will describe the way momentum is most commonly used and why this may not be the best approach. He will discuss the hidden risks associated with momentum and other factor based investments.
Using easily understood examples and historical research findings, he will show how relative strength momentum can enhance investment returns, while trend-following absolute momentum can dramatically decrease risk exposure.
Gary will show which assets are best to use for momentum investing. Finally, he will describe the behavioral biases you must deal with and the mind set you need to become a successful momentum investor.
In this talk you will learn how to:
a) Spot the best momentum investment opportunities in any market environment.
b) Protect yourself from bear market risk exposure and behavioral biases.
c) Construct your own low-cost, rules-based dual momentum portfolio that is simple to understand and easy to maintain.
The document discusses the changing financial landscape and opportunities with life insurance. It notes that fees can significantly reduce retirement savings over time. Life insurance is positioned as a better alternative due to lower fees, tax advantages, living benefits and ability to access funds penalty-free. The document argues that with the right strategy, life insurance can provide greater returns and income than other options like 401ks. It also discusses opportunities for referral agents.
This document provides information about retirement planning and financial independence. It discusses how few Americans have pensions today compared to the past and how 401(k) plans have replaced pensions. It also summarizes statistics showing that most Americans are not saving enough for retirement and will not have enough income to maintain their standard of living. The document then discusses strategies like fixed indexed annuities and life insurance to help provide downside protection, upside potential, and guaranteed lifetime income in retirement.
This document discusses challenges facing Americans in retirement planning and proposes solutions to help ensure adequate lifetime income. It notes that entitlement costs will rise significantly, replacement rates from Social Security are declining, and many lack workplace retirement plans, leaving a growing gap in assured retirement income. While defined contribution savings plans have grown substantially, risks like market volatility and inflation still threaten to erode savings. The document proposes new retirement plan designs that incorporate guaranteed lifetime income options and advice, and move beyond just asset accumulation to address distribution challenges in retirement.
The document discusses a financial services marketing organization that aims to help families achieve financial independence. It outlines the organization's mission, vision, and system to build the world's largest financial services marketing organization. It also discusses trends around wealth transfer from baby boomers, consumer debt, lack of insurance and financial education, and timing for solutions to these issues.
The document summarizes key topics discussed in a seminar on financial empowerment for educators, including common financial questions from young couples, kids, and about financial security, estate planning, sources of income in retirement, lessons for lifetime investing, and tips for investing strategies.
The document provides 10 ways to achieve wealth, including having a long-term financial plan, not following crowd behavior in the market, avoiding speculation and margin trading, hiring a professional advisor, not letting emotions override logic, owning a diversified portfolio, and regularly updating your financial plan. It emphasizes the importance of long-term investing and avoiding risky behaviors driven by emotions or rumors. Diversification across asset classes is recommended to reduce risk and improve long-term returns.
This document discusses retirement planning and decumulation strategies. It provides historical context on retirement in Greek culture and the transition to individual saving. It also discusses the challenges facing retirees in the US, including managing withdrawals, market risks, and longevity risks. The document advocates for combining safety and growth in retirement portfolios, and outlines strategies like target date funds, income replacement, and combining various account types to help solve decumulation challenges.
The document provides 5 investing principles based on a presentation about lessons learned. Principle 1 discusses that every investment has risks, even cash, as investors flocked to cash during volatile periods but it provided little return over the long run after accounting for inflation. Principle 2 notes that while most asset classes declined in 2008, a diversified portfolio still worked over the full market cycle from 2000-2009. Principle 3 explains that not all bonds or bond funds perform the same way. Principle 4 asserts that stocks have generally outperformed over the long run. Principle 5 advocates for including international stocks rather than avoiding foreign markets.
Reinventing Your Retirement New Realities For New Challenges For Clear ViewSteve Stanganelli
This presentation is part of the Transition Assistance Plan workshop series offered through Salem Works.
While many things in life are uncertain, we can control how we make better decisions. This presentation highlights the fundamental approach needed for short-term fixes and getting back on track long-term.
This document advertises a free seminar for dental surgeons to learn how to save taxes, taking place on a specific day and time at a location in Toronto. It lists six intriguing topics that will be covered and urges those interested to reserve seats today by phone as seating is limited. Attendees will receive validation for parking and get to learn from the presenter, whose biography aims to establish them as an expert who can help users create invitation systems and seminars that get people to respond.
This document provides information about an upcoming seminar on retirement investing mistakes. It includes sample testimonials, biographies of presenters, descriptions of the company and services provided, comparisons of services to other advisors, questions that will be addressed, and a list of documents attendees should bring. The goal is to provide attendees with essential information about the seminar topics and presenters, demonstrate the value provided by the company's services, and be prepared to discuss retirement planning strategies and documents.
A response form collects information from a participant including their name, company, years of experience, contact details, and two business challenges they faced in the past year. It asks them to estimate the lost referral revenue caused by each challenge. The form offers continuous disclosure system letters, a complimentary 15 minute disclosure session, and a 2 hour business evaluation coaching session. It concludes by asking the participant what lessons they learned and how they will apply those lessons.
This document provides a worksheet to map a client's personal and professional networks. It includes sections to document a client's family relationships, social contacts, professional contacts, community/volunteer affiliations, and relationships with other professionals. Once enough information is gathered about a client's network using this worksheet and notes in a logbook, an introduction profile can be created for the client.
This document provides a template for tracking introduction-related activities over a month. It includes spaces to track introductions requested and received from clients and contacts of influence each day, as well as introduction appointments set and new clients gained from introductions. Tracking this data in the template or a spreadsheet allows calculating ratios and visualizing progress over time to improve introduction efforts.
This document provides templates for two letters - one for a client to introduce their financial advisor to a referral, and one for the financial advisor to follow up with the referral. The client letter template asks the referral to have a brief phone conversation with the advisor to determine if they could be a potential resource. The advisor follow up letter states that the purpose of the call would be to ask and answer questions to determine if the advisor could help the referral meet their financial goals. Both letters emphasize that the advisor does not assume the referral currently has concerns or would need their assistance.
1) Nick gave a presentation to Lucy focused on visuals like charts and pictures, but Lucy prefers to process information auditorily and make decisions based on talking things through.
2) Nick sensed he was losing Lucy's interest as she didn't respond to his visual presentation methods. However, intensifying the visuals further confused her.
3) The lesson is that some prospects rely on hearing information rather than seeing it, so salespeople need to engage them in discussion to help them make decisions.
At Techbox Square, in Singapore, we're not just creative web designers and developers, we're the driving force behind your brand identity. Contact us today.
Part 2 Deep Dive: Navigating the 2024 Slowdownjeffkluth1
Introduction
The global retail industry has weathered numerous storms, with the financial crisis of 2008 serving as a poignant reminder of the sector's resilience and adaptability. However, as we navigate the complex landscape of 2024, retailers face a unique set of challenges that demand innovative strategies and a fundamental shift in mindset. This white paper contrasts the impact of the 2008 recession on the retail sector with the current headwinds retailers are grappling with, while offering a comprehensive roadmap for success in this new paradigm.
Best practices for project execution and deliveryCLIVE MINCHIN
A select set of project management best practices to keep your project on-track, on-cost and aligned to scope. Many firms have don't have the necessary skills, diligence, methods and oversight of their projects; this leads to slippage, higher costs and longer timeframes. Often firms have a history of projects that simply failed to move the needle. These best practices will help your firm avoid these pitfalls but they require fortitude to apply.
Taurus Zodiac Sign: Unveiling the Traits, Dates, and Horoscope Insights of th...my Pandit
Dive into the steadfast world of the Taurus Zodiac Sign. Discover the grounded, stable, and logical nature of Taurus individuals, and explore their key personality traits, important dates, and horoscope insights. Learn how the determination and patience of the Taurus sign make them the rock-steady achievers and anchors of the zodiac.
buy old yahoo accounts buy yahoo accountsSusan Laney
As a business owner, I understand the importance of having a strong online presence and leveraging various digital platforms to reach and engage with your target audience. One often overlooked yet highly valuable asset in this regard is the humble Yahoo account. While many may perceive Yahoo as a relic of the past, the truth is that these accounts still hold immense potential for businesses of all sizes.
Event Report - SAP Sapphire 2024 Orlando - lots of innovation and old challengesHolger Mueller
Holger Mueller of Constellation Research shares his key takeaways from SAP's Sapphire confernece, held in Orlando, June 3rd till 5th 2024, in the Orange Convention Center.
Zodiac Signs and Food Preferences_ What Your Sign Says About Your Tastemy Pandit
Know what your zodiac sign says about your taste in food! Explore how the 12 zodiac signs influence your culinary preferences with insights from MyPandit. Dive into astrology and flavors!
Company Valuation webinar series - Tuesday, 4 June 2024FelixPerez547899
This session provided an update as to the latest valuation data in the UK and then delved into a discussion on the upcoming election and the impacts on valuation. We finished, as always with a Q&A
Unveiling the Dynamic Personalities, Key Dates, and Horoscope Insights: Gemin...my Pandit
Explore the fascinating world of the Gemini Zodiac Sign. Discover the unique personality traits, key dates, and horoscope insights of Gemini individuals. Learn how their sociable, communicative nature and boundless curiosity make them the dynamic explorers of the zodiac. Dive into the duality of the Gemini sign and understand their intellectual and adventurous spirit.
B2B payments are rapidly changing. Find out the 5 key questions you need to be asking yourself to be sure you are mastering B2B payments today. Learn more at www.BlueSnap.com.
3. 33
Six MistakesSix Mistakes
– Not understanding or covering your risksNot understanding or covering your risks
– Wrong time horizonWrong time horizon
– Failure to understand stock marketFailure to understand stock market
– Failure to understand investment feesFailure to understand investment fees
– RRIF owner mistakesRRIF owner mistakes
– Bond funds – should you own them?Bond funds – should you own them?
4. 44
StatisticsStatistics
Canada is trying to get a handle on ourCanada is trying to get a handle on our
aging populationaging population
Today, 4.7 million Canadian’s are over age 65Today, 4.7 million Canadian’s are over age 65
The 80 plus age group will double in 20 years andThe 80 plus age group will double in 20 years and
triple in 40 yearstriple in 40 years
6. 66
Risks in Your Chance of Are You
Life Occurrence Insured
House 1 in 240 Yes
Burning
Car Accident 1 in 8 Yes
Medical Yearly? Yes
Problem
Long Term Almost 1 in 2 NO!
Health
7. 77
““Who will take care of me…?”Who will take care of me…?”
Your SpouseYour Spouse
Your ChildrenYour Children
Your Close FriendsYour Close Friends
Your CommunityYour Community
Are they qualified?Are they qualified?
Do they want the job?Do they want the job?
Will the strain of care-givingWill the strain of care-giving
change your relationship?change your relationship?
8. 88
Why LTC Insurance?Why LTC Insurance?
1.1. Burden of health care is shifting to the individualBurden of health care is shifting to the individual
2.2. Long Term Care costs can quickly erode a lifetimeLong Term Care costs can quickly erode a lifetime
of savingsof savings
3.3. Tax-free benefits can save estate from these costsTax-free benefits can save estate from these costs
4.4. Allows you to remain in own home or in a facilityAllows you to remain in own home or in a facility
of your choiceof your choice
5.5. Disengages the governmentDisengages the government
9. 99
Return of PremiumReturn of Premium
Nursing Home Policy 70 Year Old MaleNursing Home Policy 70 Year Old Male
• Policy pays $100/day for 750 daysPolicy pays $100/day for 750 days
• Cost Of Basic CoverageCost Of Basic Coverage $176/month$176/month
• Return of Premium Option $211/monthReturn of Premium Option $211/month
• Money Returned at Death $78,940Money Returned at Death $78,940
• Financial Return on the Return ofFinancial Return on the Return of
Premium Option = 7% per yearPremium Option = 7% per year
13. 1313
S&P 500S&P 500
ONE YEAR HOLDING PERIODSONE YEAR HOLDING PERIODS
-60
-40
-20
0
20
40
60
80
1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58 61 64 67 70 73
S&P500 ONE Year Rolling 1930 to 2005
14. 1414
S&P 500S&P 500
FIVE YEAR HOLDING PERIODSFIVE YEAR HOLDING PERIODS
-20.0%
-10.0%
0.0%
10.0%
20.0%
30.0%
40.0%
50.0%
60.0%
1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58 61 64 67 70
S&P500 5-YR Rolling 1935 to 2005
15. 1515
S&P 500S&P 500
TEN YEAR HOLDING PERIODSTEN YEAR HOLDING PERIODS
-5.0%
0.0%
5.0%
10.0%
15.0%
20.0%
25.0%
30.0%
35.0%
40.0%
45.0%
1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58 61 64
S&P500 10-YR Rolling from 1940 to 2005
16. 1616
S&P 500S&P 500
FIFTEEN YEAR HOLDING PERIODSFIFTEEN YEAR HOLDING PERIODS
0
0.1
0.2
0.3
0.4
0.5
0.6
0.7
1 3 5 7 9 11 13 15 17 19 21 2 2 2 2 31 3 3 3 3 41 4 4 4 4 51 5 55 57 5 61
S&P500 15-YR Rolling from 1945 to 2005
17. 1717
The stocks which make up the Dow 30The stocks which make up the Dow 30
(as of Dec 2006)(as of Dec 2006)
• PfizerPfizer
• VerizonVerizon
• AltriaAltria
• AT&TAT&T
• CitigroupCitigroup
• MerckMerck
• General MotorsGeneral Motors
• DuPontDuPont
• General ElectricGeneral Electric
• JP Morgan ChaseJP Morgan Chase
• Coca-ColaCoca-Cola
• Minnesota Mining & ManufMinnesota Mining & Manuf
• Johnson & JohnsonJohnson & Johnson
• McDonald'sMcDonald's
• Home DepotHome Depot
• HoneywellHoneywell
• AlcoaAlcoa
• IntelIntel
• CaterpillarCaterpillar
• Procter & GambleProcter & Gamble
• United TechnologiesUnited Technologies
• Exxon MobilExxon Mobil
• BoeingBoeing
• Wal-MartWal-Mart
• MicrosoftMicrosoft
• International Business MachinesInternational Business Machines
• American ExpressAmerican Express
• American International GroupAmerican International Group
• DisneyDisney
• Hewlett-PackardHewlett-Packard
18. 1818
Note 1: All total returns are calculated using reinvested dividends.
Note 2: The effects of commissions/loads are not included.
Note 3: All data is believed to be from reliable sources.
Note 4: Past performance is in no way a guarantee of future results.
Note 5: The above listed mutual funds were selected for comparison due to the fact that
they are among the largest U.S. domestic growth equity funds.
Note 6: All Data from the Dogs of the Dow™ website
19. 1919
Compare:Compare:
1 Year 3 Year 5 Year 10 Year 15 Year
Dogs of the
Dow 30.30% 9.90% 9.90% 8.80% 13.30%
Small Dogs
of the
Dow 42.00% 18.00% 13.30% 10.40% 15.90%
Dow Jones
Industrial
Average 19.10% 8.70% 7.90% 9.90% 13.00%
S&P 500 15.80% 10.50% 7.60% 10.00% 12.00%
Fidelity
Magellan 7.20% 7.00% 4.50% 8.50% 10.90%
Vanguard
Index 500 15.60% 10.40% 7.50% 9.90% 11.90%
20. 2020
An Investor’s Worst EnemyAn Investor’s Worst Enemy
Cumulative return Jan. 1, 1984 through March 31, 1996Cumulative return Jan. 1, 1984 through March 31, 1996
A new study concludes that individualA new study concludes that individual
investors are their own worst enemies.investors are their own worst enemies.
A look at cumulative returns showsA look at cumulative returns shows
the Standard & Poor’s 500-stockthe Standard & Poor’s 500-stock
index was up almost 500 percent overindex was up almost 500 percent over
a 12-year period. But the return fora 12-year period. But the return for
equity funds sold either through banksequity funds sold either through banks
or brokers or directly to investors viaor brokers or directly to investors via
telephone was much lower. Thetelephone was much lower. The
reason: Investors were moving in andreason: Investors were moving in and
out of these funds, missing marketout of these funds, missing market
growth periods.growth periods.
491%
113%
97%
21. 2121
Disappointing FundsDisappointing Funds
Example from12/31/95-12/31/96 Money Magazine ArticleExample from12/31/95-12/31/96 Money Magazine Article
The fund columns shows the annualized return reported by the fund. The shareholder
column shows the shareholder average return. The difference results because the
average investor invests once the fund has risen (near the top) and then gets out
when the fund declines. This is not always the case and is merely an example of what
occurred in these funds as reported by Money Magazine during this period. Source:
Money Magazine April 1997. Comparison of fund reported results 12/31/95 to
12/31/96 vs. average investor results (investor results as measured by actual investor
accounts in these funds during this period and then averaged). Hancock Discovery B
is now Hancock large cap growth B
22. 2222
Should You Buy Based onShould You Buy Based on
Last Year’s Performance?Last Year’s Performance?
Mackenzie
Cundill
Value
13% 14% 35% 13% 13% 10%
CI Harbour
Fund
7% -1% 11% 16% 24% 15%
Fidelity
Canadian
Asset
Allocation
-1% -6% 14% 11% 14% 12%
23. 2323
Should You Buy Based onShould You Buy Based on
Last Year’s Performance?Last Year’s Performance?
Funds 200
1
200
2
200
3
200
4
200
5
200
6
Mackenzie
Univers
al
Global
Future
-23% -26% 8% 1% 6% 20%
AGF
Aggressi
ve
Growth
-38% -30% 18% 11% 5% 4%
CI Global
Science
and
Tech
-38% -37% 27% -1% -8% 11%
24. 2424
Avoid “Hot” FundsAvoid “Hot” Funds
Of the Funds that Ranked #1 in performanceOf the Funds that Ranked #1 in performance
rankings over the past 15 years:rankings over the past 15 years:
““Over the subsequent three, five,Over the subsequent three, five,
and 10-year periods, a whopping 80and 10-year periods, a whopping 80
percent of these ‘star’ fundspercent of these ‘star’ funds
performed worse than the averageperformed worse than the average
similar fund.”similar fund.”
25. 2525
Avoid “Hot” FundsAvoid “Hot” Funds
““Since 1987, the least popular funds haveSince 1987, the least popular funds have
outperformed 90% of the most popularoutperformed 90% of the most popular
funds over the following three years”funds over the following three years”
Data from Morningstar Principia ProData from Morningstar Principia Pro
CommentaryCommentary
““Buying Unloved Funds” 2/21/01Buying Unloved Funds” 2/21/01
26. 2626
Even the Experts Struggle:Even the Experts Struggle:
1995 mutual fund selection guide:1995 mutual fund selection guide:
– 81 funds recommended in 199581 funds recommended in 1995
– Look at the returns to June 30, 2004 (10 years later):Look at the returns to June 30, 2004 (10 years later):
• 34 of the funds didn’t exist anymore34 of the funds didn’t exist anymore
• 32 of the funds32 of the funds underunderperformed their benchmarkperformed their benchmark
• 15 outperformed15 outperformed
• BUT less than 20% of selected funds outperformedBUT less than 20% of selected funds outperformed
27. 2727
3
Good thing we didn’t wait!
4
Brilliant! At this price,
let’s buy more!
5
We should hold.
Only the people
who sell lose money!
7
I know this looks really bad ,
But these are only paper losses..
9
Good thing we sold
everything!
10
Told you so.
12
More
crazies
who are
going to
get taken
to the
cleaners!
Life of a fund…
1
Look at the rack record on this
HOT fund
2
The trend is holding.
We should buy!!
6
Once this goes
up, we are selling
out!!
11
I don’t know what
is going on.
Let’s watch it.
13
Let’s buy in
again.
8
Enough! Let’s cut our losses and
move to XX fund that is really HOT NOW.
29. 2929
The Secret ViceThe Secret Vice
The Hidden CostsThe Hidden Costs
InIn
Mutual FundsMutual Funds
30. 3030
Management Expense RatiosManagement Expense Ratios
Fund 10 Year Return Expense Ratio
Median Labour Sponsored
Venture Capital
-2.80% 5.50%
CI Global Boomernomics
GIF Class A
-0.50% 5.06%
CI Signature Canadian
Balanced Seg I
5.70% 4.44%
Avg. Global Equity-Seg 1.20% 3.52%
Avg. U.S. Equity-Seg 2.90% 3.30%
Avg. Global Bal & Asset
Alloc-Seg
-1.50% 3.26%
31. 3131
Management Expense Ratios of Index FundsManagement Expense Ratios of Index Funds
Fund 10 Year Return Expense Ratio
Acuity Pooled Canadian
Balanced
13.20% 0.18%
Montrusco Bolton
Enterprise
12.50% 0.13%
Acuity Pooled Fixed
Income
11.00% 0.10%
Acuity Pooled
Conservative Asset Alloc
14.70% 0.10%
Acuity Pooled High Income 15.90% 0.10%
33. 3333
Trading ExpensesTrading Expenses
Fund TER Cost of Ownership
AGF Dividend Income 2.10% 3.72%
AGF Aggressive Growth 2.56% 4.08%
AGF Aggressive Global
Stock
3.25% 4.70%
Talvest China Plus Fund 3.20% 4.27%
34. 3434
Common Mistakes in Buying FundsCommon Mistakes in Buying Funds
• Buying Hot FundsBuying Hot Funds
• Not Knowing about Fund FeesNot Knowing about Fund Fees
• Paying Excessive TaxesPaying Excessive Taxes
• Failing to Understand Differences in Fund TypesFailing to Understand Differences in Fund Types
and risk profilesand risk profiles
• A Better Way to Select FundsA Better Way to Select Funds
35. 3535
A Study of Investor ExperiencesA Study of Investor Experiences
Dalbar Study from
1984 to 2003 Findings
Avg. Equity
Fund
Investor
Experience
3%
Average
Equity
Fund
10%
S&P 500
Return
12.2%
The mistakes that advisors make:
Fund selection & unnecessary
administration rather than the
allocation of resources around your
objectives.
Not having a roadmap to highlight the
steps to reach your objectives
No system to maintain accountability
of all parties involved: the investment
managers, administrators and advisor.
36. 3636
Common Mistakes in Buying InvestmentsCommon Mistakes in Buying Investments
How to Help AvoidHow to Help Avoid
Buying at the Top of the MarketBuying at the Top of the Market
How to Help Avoid
Selling at the
Bottom of the
Market
39. 3939
Taxes At DeathTaxes At Death
Earned IncomeEarned Income
– Taxation on RRSPs or RRIFsTaxation on RRSPs or RRIFs
included as income on final returnincluded as income on final return
– Capital Gains on rental property, cottage or non-Capital Gains on rental property, cottage or non-
registered investments.registered investments.
ResultResult – Generally in the Highest Tax– Generally in the Highest Tax
BracketBracket
Example:Example:$500,000 RRIF$500,000 RRIF
Tax Liability on RIFTax Liability on RIF
$232,000$232,000
40. 4040
Total Tax Liability on RIF at DeathTotal Tax Liability on RIF at Death
$232,000$232,000
SOLUTIONS?SOLUTIONS?
41. 4141
Pre-Paid Taxes ProgramPre-Paid Taxes Program
Sample based on:Sample based on:
• Male age 66 and Female age 65Male age 66 and Female age 65
• RRIF is $500,000 earning 5%RRIF is $500,000 earning 5%
• RRIF is paying out $2,083 / monthRRIF is paying out $2,083 / month
• Use $356 / month to pay for pre-paidUse $356 / month to pay for pre-paid
taxes program = $232,000taxes program = $232,000
42. 4242
Results of Pre-Paid Taxes ProgramResults of Pre-Paid Taxes Program
If 2If 2ndnd
death occurred 1 yr laterdeath occurred 1 yr later
– Total spent on program $4,272Total spent on program $4,272..
If 2If 2ndnd
death occurred 10 years laterdeath occurred 10 years later
– Total spent on program $42,720Total spent on program $42,720
Total Pre-Paid Taxes $232,000Total Pre-Paid Taxes $232,000
Total RIF Paid to Beneficiaries $500,000Total RIF Paid to Beneficiaries $500,000
43. 4343
Should you Own Bond Funds?Should you Own Bond Funds?
Basket of Bonds:Basket of Bonds:
Gov’t of CanadaGov’t of Canada $50,000 4.9% - 2027$50,000 4.9% - 2027
Gov’t of P.E.I. $50,000 5.6% -Gov’t of P.E.I. $50,000 5.6% -
20112011
Rogers Comm.Rogers Comm. $50,000 6% -$50,000 6% -
20112011
Bond Fund:Bond Fund:
• There is no single maturity dateThere is no single maturity date
44. 4444
Evaluation SheetEvaluation Sheet
Today’s Date:____________________Today’s Date:____________________ Location _____________________________Location _____________________________
What topic did you most enjoy or get value from ?What topic did you most enjoy or get value from ?
______________________________________________________________________________________________________________________________________________________________________________
What is your greatest financial concern?What is your greatest financial concern?
______________________________________________________________________________________________________________________________________________________________________________
AN OPPORTUNITY TO TAKE ACTIONAN OPPORTUNITY TO TAKE ACTION
I want to ensure that I have sufficient assets and make them last. I want to protect the assets I have accumulated.I want to ensure that I have sufficient assets and make them last. I want to protect the assets I have accumulated.
I would like a free consultation at your office to have a personal review:I would like a free consultation at your office to have a personal review:
Select a day:Select a day:
Monday, January 22Monday, January 22 Monday, January 29Monday, January 29
Tuesday, January 23Tuesday, January 23 Tuesday, January 30Tuesday, January 30
Wednesday, January 24Wednesday, January 24 Wednesday, January 31Wednesday, January 31
Friday January 26Friday January 26 Thursday, February 1Thursday, February 1
Circle a time:Circle a time: 1010 1111 22 33 44
PHONE:PHONE: Day ________________________________ Evening ______________________________Day ________________________________ Evening ______________________________
Please Print:Please Print: Your NameYour Name _____________________________________________ age ______________________________________________________ age _________
Your Spouses NameYour Spouses Name ______________________________________ age _______________________________________________ age _________
AddressAddress ____________________________________________________________________________________________________________________________________________________________
City, Province, Postal Code ______________________________________________________________City, Province, Postal Code ______________________________________________________________
45. 4545
People Who Benefit from an AppointmentPeople Who Benefit from an Appointment
If you are unhappy with your investment performanceIf you are unhappy with your investment performance
– or don’t know what it is– or don’t know what it is
If you want to explore long term care alternativesIf you want to explore long term care alternatives
If you own annuities that have dropped in rate or thatIf you own annuities that have dropped in rate or that
you do not plan to useyou do not plan to use
If you are:If you are:
Single with an estate above $1 millionSingle with an estate above $1 million
Married with an estate above $2 millionMarried with an estate above $2 million
If you have an RRSP or pension plan over $250,000If you have an RRSP or pension plan over $250,000
and want to reduce taxes on your withdrawalsand want to reduce taxes on your withdrawals