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Seminars

Basic Investing - Agenda

• How to minimize risk and maximize returns
• Choosing the right tools to build your portfolio
• Investment strategies aimed at minimizing taxes
• Saving for education
• Understanding stocks, fixed income, mutual funds, and segregated funds

Retirement Planning - Agenda

• Introduction
• Basic RSP Concepts
• The benefits of RSP investing
• Contributions to Your RSP
• What is earned income?
• Calculating your contribution limit
• The Carryforward rule
• Excess contributions
• Contributions made by securities
• Foreign Content
• Strategies to Maximize your RSP
• The importance of contributing early
• Borrowing to make an RSP contribution
• Setting a target
• RSP Maturity Options
• Retirement Income Fund (RIF)
• Annuities

Understanding RRIFs - Agenda

• Steps in converting RRSP to RRIF
• Purchasing an Annuity
• General RRIF rules
• Minimum withdraws
• Taxes on RRIF withdraws
• Pension credits

Tax Planning - Agenda

• Understanding Canadian Marginal tax rates
• Investment Income (interest, dividend, capital gains)
• Borrowing to invest
• Income splitting (attribution rules)
• Individual Pension Plans (IPP)
• Retirement Compensation Arrangements (RCA's)
• Income Splitting With Your Spouse and Children

Estate Planning - Agenda

Steps in creating your estate plan:

• Preparing an Inventory Of Your Assets And Liabilities
• Defining Your Estate Planning Objectives
• Evaluating Your Objectives Based On Your Current Situation
• Determining the Necessary Actions to Achieve Your Objectives
• Consulting Advisor and other Professionals to Implement the Components Of Your Plan
• Ongoing Review of Your Plan
• Methods of Transferring Your Estate
• Wills
• Testamentary Trusts
• Non-Probatable Assets (Joint Ownership)
• Gifting Assets Before Death
• Living/Family Trusts
• What If You Die Without A Will
• Taxes At Death
• Deemed Dispositions
• RSPs And RIFs
• Probate Taxes
• U.S. Estate Tax
• Life Insurance
• Basic Types Of Life Insurance
• Term and Permanent
• Planning For Incapacity
• Power Of Attorney
• Enduring Power Of Attorney
• Living Wills
• Pre-Planned Funeral Arrangements

RESP's - Agenda

1. Overview
2. Different types of RESP's
3. Good Things to know about RESPs
4. Understanding In-Trust Accounts
5. In trust accounts vs. RESPs

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Select Seminar:	Basic Investing Retirement Planning Understanding RRIF's Tax Planning Estate Planning RESP's
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