Financial Strategies for Joyful Retirement

Now being conducted at

Mount Saint Vincent University Campus

Halifax, Nova Scotia

A Financial Education Class

Over 6 hours of instruction that can change the rest of your life!

If you are over 40, close to retirement or already retired, you cannot afford to miss this informative program.

Learn what you need to know about these retirement planning issues and more

NEW for 2022 – Retirement in this uncertain financial climate
Determine if you are ready to retire early
Integrate your finances with your goals and values
Use new tax laws to your advantage
Properly allocate your assets within your retirement plans
Ask the right questions when evaluating insurance coverage
Discover how to maximize your income without unnecessary financial risk
Ensure your estate plan still functions properly under new laws
How inflation might effect your retirement plans

NEW! Updated 2022 Class

Evening Class

Two Day Course

Mount Saint Vincent University

166 Bedford Highway

McCain Building, Room 302

Tuesday, October 4th and

Wednesday, October 5th

2022

6:00 PM to 9:00 PM

Register for Evening Class

Saturday Morning

One Day Accelerated Course

Mount Saint Vincent University

166 Bedford Highway

Seton Building, Room 407

Saturday October 15, 2022

9:00 AM to 1:30 PM

Register for Saturday Class

I attended the seminar Sept. 25/ Oct 2, 2018 and was so happy I did! The information was valuable, the material was well organized, the workbook is a take-home treasure and the instructor was engaging and entertaining. This course not only prompted me to change my action plan for our finances, but also to think differently about the whole life-shift of retirement. Ironically, this course would be even more valuable to those in their 30’s and 40’s because I realize now I’ve missed out on some great opportunities.

Jeannette Folan, NS

My wife and I attended a Joyful Retirement seminar last May. This was the first time my wife attended a financial seminar and she learned many things in the Saturday session. I was also able to learn more about other topics than simply saving money for retirement. The Joyful Retirement session makes you think about more than how much money you need to retire. It was a Saturday well spent.

Brian Murphy, NS

I am so happy I attended the Financial Strategies education sessions. It was just at the right time in my life to get more educated on retirement income and take control of my future. It was valuable information for me and made a huge difference in my discussions with my financial advisor. The one on one consultation is a huge opportunity to get some personal questions answered.

Diane Leighton

Windsor, NS

He was very informative and made the topics interesting and understandable.

Rosemary Mooney

Halifax, NS

AGENDA

Retirement Planing issues to discuss with your financial professional

LIFE PLANNING FOR RETIREMENT

Traditional vs. New retirement
How to retire by design (with goals) not by default
The Retirement Planning Process

INVESTMENT PLANNING

Why you want a cash reserve
Consideration before you invest
What are debt investments: Stocks and GICs
What are equity investments: Stocks and Dividends
Types and benefits of mutual funds

What is the appeal of segregated funds and their appeal
What are Managed portfolios
What are tax-deferred accounts
Investment risks

RISK MANAGEMENT & HEALTH CARE

Prepare for the unexpected
Key questions to ask in assessing health care risk
Disability insurance coverage
Long term care and insurance
Using life insurance to protect income

TAX PLANNING

The four buckets approach to tax planning
Using Registered Retired Retirement Funds (RRIFs)
When to convert RRSPs to RRIFs
How a “locked in” RRSP (LIRA) is set up
Tax friendly ways to withdraw your retirement income
Breaking down common investments and how each is taxed

INCOME PLANNING

Determine how much money you’ll need
Early retirement trends
How long must your money last?
Estimate your expenses. What’s essential? What’s not?
Avoiding common mistakes
Impact of inflation
Registered Retirement Savings Plans (RRSPs)
Strategies for Spousal Contributions
Pension plan options

LEAVING A LEGACY

The importance of Estate Planning
Planning for incapacity
Taxes must be paid
To probate or not
Trusts are just for the wealthy, true or false?
Joint ownership of accounts
Reducing taxes with gifts to charity
The high cost of dying without a will

RETIREMENT ROAD BLOCKS AND MISTAKES

10 retirement planning mistakes
Understanding the different types of risk
Credit and debit in retirement
How the Tax Free Savings Account (TFSA) works
Start Canada Pension Plan too early or too late

OPTIONAL CONSULTATION AND ANALYSIS

WHO SHOULD ATTEND

The material is relevant to those planning their retirement, close to retirement or already retired. The workshop curriculum is designed for people who are serious about gaining money management knowledge.

KEY RETIREMENT PLANNING ISSUES

This workshop will help you prepare for financially secure retirement, maximize your income and get the most from your investments. You will also learn how to protect your hard-earned money from inflation, taxes and erosion due to possible health care needs. The information you receive will pay dividends for the rest of your life.

LEARN AT YOUR OWN PACE

Take it one step at a time. These workshops are conveniently presently over several hours of classroom time to give you the opportunity to absorb and reflect on the information presented and more time to address there issues that are important to you personally. The registration fee includes and illustrated 130 page color workbook that is yours to keep as a valuable reference tool and a record of your progress. This workbook provides an interactive learning experience with informative charts and graphs, as well as examples and questions.

NO SOLICITATION

As this is an educational program, there will be no promotion or solicitation of financial products. Examples and illustrations will be generic, without reference to specific products and services. Questions about specific situations or investment portfolios will be answered during a personal consultation.

PERSONAL CONSULTATION AND ANALYSIS

Registrants are entitled to an optional, personal financial planning consultation at no additional cost or obligation. You will be assigned homework during the course, and based on the information you provide, your instructor can prepare a personal financial analysis. This in also your opportunity to ask questions specific to your financial situation. the session will help you identify your personal financial objectives and develop a plan to achieve them.

ENROLLMENT FEE

The advance enrolment fee is $95 and includes one workbook and all course materials. You may bring your spouse or a guest at no additional cost. You may purchase an additional workbook if you choose.

Qualified Instructor

Glenn Stewardson

Author, Speaker and Financial Educator

Glenn Stewardson is an Author, Speaker and Financial Educator. His latest book is Retire Abundantly, the Proven principles to create a more worry free retirement with less stress!

Mr. Stewardson has over 20 years experience motivating and educating people to create a worry free retirement.

Without your help, Glenn, I would never have retired 2 1/2 years ago. Because of you, today I’m outside sitting on my deck, enjoying a good book in the sunshine. You made this possible for me!

— Linda J. Cameron, former Executive Assistant to the President, NSCAD University