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Money.
Free, Fast & Easy To Apply. RRSP, RESP, RRIF Quick
Quote
Are you concerned
about…
-the stability of your Pension Plan
-outliving your retirement savings
-inflation risk
-market down turns during early stage of retirement
-liquidity needs
-legacy and estate planning needs
Then consider, asset and
product allocations, the art of creating a mix of various
assets and product allocations to address the issue that no one
asset or product can solve all of your problems. As traditional
strategies alone and one investment asset or product is not
enough to diversify your risk to profit from your investment
choices, ask us about our recommended Guaranteed Seg Fund based
Insurance Products such as an Annuity, Systematic Withdrawals,
Manulife’s Income Plus or Transamerica’s Five For
Life Guaranteed Minimum Withdrawal Plans.
What is an
RRSP?
"An RRSP is a
registered account that allows you to make tax-deferred
contributions towards your retirement savings plan. Subject to
certain limits, each dollar you contribute to the plan lowers
your taxable income by the amount you invest. Once you have
made a contribution to an RRSP, your investments can grow
tax-free until withdrawn.
The goal is to
defer your tax payments on the money you contribute until
you’ve retired, at which point you will most likely be
in a lower tax bracket."
- Manulife Financial
What is a
RESP?
The Registered
Education Savings Plan (RESP) allows savings for education to
grow tax free in a special savings plan registered by the
Government of Canada until a child named in the RESP enrols in
a post-secondary education program."
- Human Resources and Social Development Canada
(HRSDC)
What is a
RRIF?
"A RRIF is an
investment plan, established in accordance with Government of
Canada requirements, into which you can transfer registered
funds (usually your RSP) without tax liability for the purpose
of establishing an income stream for life."
- RBC
Annual Contribution
Limit:
18% of eligible income up to $20,000
Tax Deductible
Contributions?
Yes
Tax Free Growth?
Yes
Taxable Withdrawals?
Treated as income
Carry forward of unused contribution room?
Yes
Re-contribution of
withdrawals?
No
Minimum age?
As soon as you file for income tax
Maximum age?
71
Age for mandatory
withdrawals?
71
Why apply for a
Quick RRSP Investment Loan?
-lowest interest rates in years
-pay back loan with tax refund check
-your opportunity to buy seg funds at historic low prices for
long term growth
to help you fund your quality of life in your retirement
years.
NOW with improved Quick RRSP
24 hour turn-around time on quotes and processing.
Why Have A Voluntary Group Savings
RRSP Plan At Work, Sponsored by Your Employer?
Employee contributions are
not considered an additional salary or a taxable benefit
(except for group RRSP's)
Employer contributions are
a deductible expense
Simple to manage -
administrative support provided
Attract new
employees
Retains and recognizes
talented employees
Ensure that employees
accumulate savings for their retirement
For A Quick Fact Sheet On
RRSP’s, visit Canada Revenue Agency RRSP Online. Click
here
Tell Us About
Yourself:
Province:
E-Mail (REQUIRED):
E-Mail again for accuracy:
Phone:
Fax (optional):
Sex (M/F):
Smoker or
Non-Smoker?:
HOW MUCH MONEY DO YOU HAVE TO INVEST OR ARE SEEKING TO TRANSFER
INTO A NEW INVESTMENT OPPORTUNITY?
Your Message:
FINANCIAL OBJECTIVES AND
TIME HORIZON
1. Which of the
following statements best describes your objective for the
money you are investing?
a) Preservation of
Capital
b) Growth through a balance of capital gains and
income
c)
Growth through capital gains and some income
d) Growth
primarily through capital gains
2. How
long do you plan to have that money invested?
a) Under 2 Years
b) 2 - 5 Years
c) 6 - 10 Years
d) 11 - 15 Years
e) Over 15 Years
3. What
is the chance that you may wish to cash in a significant
portion of this investment earlier than anticipated?
a) Low (Less than 10%)
b) Medium (Between 10%
- 25%)
c) High (Over 25%)
INVESTMENT EXPERIENCE
AND KNOWLEDGE
4. Which of the
following best describes your level of investment knowledge?
a) Novice
b) Some familiarity
c) Reasonably
knowledgeable
d) Quite knowledgeable
e) Very knowledgeable
ATTITUDE TOWARDS
RISK
5. Typically,
investments which are more volatile (i.e., tend to go up and
down in value) will, over the long term, have greater potential
for return. With regards to this statement, how much of a drop
in value over one year could you tolerate before becoming
uncomfortable?
a) Less than 10%
b)
1% to 3%
c) 3% to 5%
d) 6% to 10%
e) More than 10%
6.
Investments that offer the highest potential of returns
typically have the greatest variability of returns. Given this
statement, assuming you had a $10,000 investment, please select
one of the following gain.loss scenarios that you would be most
comfortable with after a five-year investment time period. The
gain/loss scenarios below show range of the potential value of
the $10,000 investment at the end of the five-year period.
a) Highest $13,500
Lowest $10,400
b) Highest $17,100
Lowest $9,700
c) Highest $19,700
Lowest $8,800
d) Highest $21,800
Lowest $7,900
e) Highest $26,600
Lowest $6,700
PERSONAL
INFORMATION
7. Which of the
following best describes your employment circumstances?
a) Full-time
b) Self-employed
c) Part-time
d) Retired
e) Other
8. Your
personal income, before taxes, is in which of the following
ranges:
a) Under $25,000
b) $25,000 -
$50,000
c) $50,001 - $80,000
d) $80,001 - $125,000
e) Over $125,000
9. The
current value of your investments (i.e., registered,
non-registered, mutual funds, segregated funds, checking and
saving accounts) excluding real estate is:
a) $25,000 or less
b) $25,001 -
$50,000
c) $50,001 - $100,000
d) $100,001 - $250,000
e) Over $250,000
10. Your
current age is within which of the following categories:
a) Under 30
b) 30 - 39
c) 40 - 54
d) 55 - 69
e) Over 69
Send my results
via:
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Mail
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Phone
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Get Us The
Quote!
Daniel La
Tour is our Licensed Life Insurance Agent in BC, AB, ON & QC.
For help and advice, contact Daniel La Tour.
Call NOW! 1-888-977-7778 (toll
free)
(Monday-Friday 9-9, Saturdays
11-5, EST.
Our International Number is: 1-514-630-6116)
We do business with…
Insurance Companies
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Foresters
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Ingle International
Lloyd’s of London
Manulife Financial
RBC Insurance
Sun Life Financial
Travel Underwriters
Transamerica
Unity Life of Canada
Investment Fund Companies
Fidelity
Mackenzie Financial
Transamerica
Canada Life
Manulife Investments
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