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.
Now being conducted in
Moncton, New Brunswick

Class Options

Saturday Morning
One Day Accelerated Course
Fox Creek Golf Club
200 rue du Golf
Dieppe, NB
Saturday February 9th, 2019
9:00 AM to 2:30 PM

Tuesday Evenings
Two Day Course
Fox Creek Golf Club
200 rue du Golf
Dieppe, NB
Tuesdays February 5th & 12th, 2019
6:00 PM to 9:00 PM

Saturday Morning
One Day Accelerated Course
Fox Creek Golf Course
200 rue du Golf Street
Saturday September 29th, 2018
9:00 AM to 1:30 PM

Tuesday Evenings
Two Day Course
Fox Creek Golf Course
200 rue du Golf Street
Tuesdays September 25th & October 2nd, 2018
6:00 PM to 9:00 PM
I am not close to retirement, but I felt it important to get educated earlier on so that I would be better prepared when the time comes. The seminar gave me the knowledge I was lacking and I was able to make some important changes to my retirement plan, both valuable for my peace of mind!
Great seminar for everyone regardless of age or knowledge level. Not only did we get the benefit of all the material covered in the classroom presentation, everyone was offered a one on one consultation at no extra charge at a later date. We definitely took advantage of this extra perk. Well worth the time for planning your retirement. Thanks!!
Learn what you need to know about these retirement planning issues and more
- 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

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
KEY RETIREMENT PLANNING ISSUES
LEARN AT YOUR OWN PACE
NO SOLICITATION
PERSONAL CONSULTATION AND ANALYSIS
ENROLLMENT FEE
Enroll Early! Seating is Limited.