Silver and Gold Magazine Winter 2107-2018 | Page 27

Blend and combine: To put it very briefly, we don’t have to choose just one approach.  Imagine you have $15,000 in your chequing account, $85,000 in GICs like Bev, and the remainder invested like Verna and Bert.  If we at least netted you 4% growth overall, you could plan on keeping your $600,000 in perpetuity*.  When future needs arise, or the desire to share with your loved ones, you’d still have this value in your hands to use or to give as you choose. Always in mind for your personal planning we include: • What will your investment pay over your life horizon? • How can we cut taxes that would hurt your net income? • If illness or other needs arise, how will this touch you? Celebrating    over 23 years strategies could be called ‘safe’ over a thirty year period, would you choose Pat’s plan that runs her short of money, or stand with Verna and Bert whose investment managed to increase in value? OF HELPING PEOPLE hear better......                      THE SERVICES WE OFFER: • • • • • • FREE Adult Hearing Test • No Referral Necessary • Custom Hearing Protection Hearing Assessments Hearing Aid Dispensing • Satisfaction Guaranteed or Refund • Ear Wax Removal Sudden Hearing Loss • Direct billing for most insurance Tinnitus Therapy companies Vestibular Assessment And of course, we also provide hearing aid consulting, prescriptions, dispensing, fitting, follow-up and repair. “The world’s first and only 100% invisible, 24/7 wearable sweat-proof, shower proof hearing device.” LYRIC CERTIFIED PROVIDER • Which plan is safest if you live longer than you expect?   A Certified Financial Plan must address all this and more to keep you safe, whatever the future may bring.  Now, over to you!  What are you thinking in regard to your home?  Who have you heard discussing whether to sell while real estate is in the clouds?  In speaking of such things, you need to clearly see how long your money can last, and what lifestyle and future it can provide for yourself and your loved ones. Oakville 905 339 1397, Burlington 905 681 8977 Etobicoke, Guelph, Hamilton, Kingston, Port Credit, Stoney Creek, Vineland, Waterdown, Welland www.senseofhearing.ca INDEPENDENTLY OWNED *Perpetuity refers to an infinite amount of time. In finance, it is a constant stream of identical cash flows with no end.• Brian Weatherdon of Sovereign Wealth Management Inc., is a Certified Financial Advisor, retirement coach, and consultant on wealth and aging. 905-637-3500 [email protected]   The information provided is general in nature, and should not be relied upon as a substitute for advice in any specific situation requiring appropriate legal, accounting, tax and other professional guidance. The views expressed are those of the author and not necessarily those of the issuer of any financial products for which the author may act as a distributor. Names and circumstances mentioned above are altered for confidentiality. Free Tax Preparation I f you need help filing your return, have a modest income, and a simple tax situation, the Community Volunteer Income Tax Program may be able to help. Visit the Canada Revenue Agency website to find a contact near you, or call the CRA at: 1-800-959-8281 Silver & Gold Magazine ~ Winter 2017/18 27