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......
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• 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