Traditional Retirement Planning is Dead
The last 50 years people have been relying on annuities for the retirement vehicle, however since the year 2000 things have changed. This is good news.
The last 50 years people have been relying on annuities for the retirement vehicle, however since the year 2000 things have changed. This is good news.
You can now talk to one broker who has access to the TOP 35 companies in Canada, you save years of looking and get the best rate of return.
You can now talk to one broker who has access to the TOP 35 companies in Canada, you save years of looking and get the best rate of return.
Contact our teams members today... CLICK ME TO REQUEST QUICK QUOTE or call Toll Free: 1-877-888-9403
Contact our teams members today... CLICK ME TO REQUEST QUICK QUOTE or call Toll Free: 1-877-888-9403
1. You want guaranteed income for life.
1. You want guaranteed income for life.
2. You hope to secure guaranteed income for a spouse.
2. You hope to secure guaranteed income for a spouse.
3. You want a low-risk portfolio above all else, and maximize growth.
3. You want a low-risk portfolio above all else, and maximize growth.
4. You want to create your own pension.
4. You want to create your own pension.
5. You want to protect your retirement assets from taxes.
5. You want to protect your retirement assets from taxes.
Now most people are switching their plans to Guaranteed Investment Funds (Segregated Funds) to
Now most people are switching their plans to Guaranteed Investment Funds (Segregated Funds) to
Eliminate Risk, Maximize Growth, and Retire with Dignity
Eliminate Risk, Maximize Growth, and Retire with Dignity
IF YOU USE AN ANNUITIES
IF YOU USE AN ANNUITIES
First once you give your money to an investment firm for an annuity you have zero access to the money even if you need a new roof for your car blows up and you usually get a 4.6% rate just very low compared to the industry average , as these are associated with very high fees.
First once you give your money to an investment firm for an annuity you have zero access to the money even if you need a new roof for your car blows up and you usually get a 4.6% rate just very low compared to the industry average , as these are associated with very high fees.
Second, because actuaries need time to make assumptions work and insurance companies need time to recoup the larger-than-average commissions to agents, most annuities tie your hands with a surrender charge—a meaningful reduction in your payout that usually descends over five, seven or even up to 15 years.
Second, because actuaries need time to make assumptions work and insurance companies need time to recoup the larger-than-average commissions to agents, most annuities tie your hands with a surrender charge—a meaningful reduction in your payout that usually descends over five, seven or even up to 15 years.
ON RRSP / RRIF
ON RRSP / RRIF
Registered retirement savings plan and later converted to retirement income funds, are accessible for roof repairs and cars blowing up etc... Average rates of return have been averaging 11.8% since their introduction into the market in 1961. You get Flexible withdrawals, adjustable withdrawals and emergency access. As your needs change you can change your program, perhaps there is a wedding in a future that is in a southern climate, now you have access to some money.
Registered retirement savings plan and later converted to retirement income funds, are accessible for roof repairs and cars blowing up etc... Average rates of return have been averaging 11.8% since their introduction into the market in 1961. You get Flexible withdrawals, adjustable withdrawals and emergency access. As your needs change you can change your program, perhaps there is a wedding in a future that is in a southern climate, now you have access to some money.
There are three different types of annuities, basically all of them bad.
There are three different types of annuities, basically all of them bad.
Below you'll see a chart using $100,000 on deposit for an annuity for life,
Below you'll see a chart using $100,000 on deposit for an annuity for life,
compared with a Guaranteed Investment Fund (Seg Fund)
compared with a Guaranteed Investment Fund (Seg Fund)
Build a Solid Foundation
Build a Solid Foundation
It’s never too late. Need Help Contact
It’s never too late. Need Help Contact
"Advisor & Co."
"Advisor & Co."
Financial Horizons Group
Financial Horizons Group
217-3501 8th Street East
217-3501 8th Street East
Saskatoon, SK
Saskatoon, SK
S7H 0W5
S7H 0W5
Phone: 306-292-3734
Phone: 306-292-3734
or
or
Toll Free: 1-877-888-9403
Toll Free: 1-877-888-9403