The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

AURORA LOCATION ONLY STARTS EVERYTHING IN THE STORE OUR REG PRICES Off BETTER Excluding promotional goods special purchases sale priced items Look for the red sale tags Sale goods sold asis All sales final AURORA LOCATION ONLY ALLAURA BLVD Toronto to Aurora Andy at Fame is pleased to welcome Luke Kwarczynski a TOP to his salon For a free consultation call 9057132399 43 Commerce Drive Aurora Ontario MM Hours Sat 96 Tues Wed Thurs 99 OPEN SUNDAYS Welcome 10 CO I CO to CO lO Tns message brought to you as a community service o The Era The Banner ManaghgyowrMfeey ITS TIME FOR A DIFFERENT INVESTMENT EXPERIENCE If yourejike many Canadian investors you probably havent had the best experience lately Thats why Kevin Murdoch would like to introduce you to Hartford Portfolios With over years of experience Investment Advisor Kevin Murdoch has proven strategies to build and protect longterm wealth in good and more importantly bad markets He is a Fellow of the Canadian Securities Institute a designation reserved tor those financial professionals meeting the most exacting standards for professionalism experience and education Strongly committed to giving back to the community Kevin served as the Chair of the Southlake Regional Health Care Centre Foundation with a mission to complete the fund raising for the hospitals cardiac wing As a contributor to the Era Banner Kevin has written on a variety of Investment topics Hartford Portfolios are subadvised by leading private and pension style managers Theyre independent third party managers who apply the same consistent processes and proven strategies used to deliver long- term value to their institutional clients In many ways Hartford Portfolios have brought portfolio solutions full circle No gimmicks And nothing to hide Just a straightforward and very effective solution that you can use as the foundation of your investment plan Plus you get the peace of mind of doing business with Hartford Investments a company thats part of an almost 200yearold investment and insurance firm dedicated to meeting the needs of its clients MURDOCH w Pal Kevins experience backed by the strength ot RBC to work lor you Ask for your tree noobligation financial review today Contact or email kavinnianlochrbccom Sponsored in part by Dominion Securities I Hartford management teas and expanses may be with mutual fund swaal Please read the prospectus investing Mutual fundi not guaranteed their values change frequently and performance may not be r The of Hartford Mutual Funds only in those jurisdictions where they may be lewfuty offered far sale and therein only by dealers permitted to sal such units Hartford Investments Canada Corp is the Manager of Hartford Mutual Funds Securities and of Canada are sepw Mfitii Member trademark of Royal Bans of Canada under sconce is a re tnicomart of Bar Investing beyond your RSP If you are a highincome earner and have high- income expectations for your retirement you will probably need to look beyond your Retire ment Savings Plan RSP to fund your retire ment While the tax advantages offered by an RSP are significant its contribution limits can be a limiting factor for highincome earners Fortunately there are several taxwise ways you can save for retirement beyond your RSP Different investments different tax rules Most highincome earners already save be yond their RSPs in regular nonregistered ac counts As a result you may already be aware that different types of investment income are subject to different tax treatments outside of your RSP Therefore your investment mix is an important consideration if you want to invest in a taxwise fashion Note that while evaluat ing investments based on their aftertax return is important you should also consider such other factors as the investments risk the op portunity for capital appreciation liquidity and so on Dividend income from Canadian corporations Creditors calling Stop the financial insanity Call today for a FREE initial consultation and we will explain all of your options Immediate Appointments Available IBDO Tame Bankruptcy 1731 0 Street Unit Yonge St and Millard Ave The Queensway South Queensway S and Glenwoods Ave 18662758836 Due to the Dividend Tax Credit dividends from a Canadian corporation generally re ceive the most preferential tax treatment at all income levels Capital gains are close behind with only half of any net capital gain taxable at your marginal tax rate Interest income on the other hand is fully taxable at your marginal tax rate As a result when looking at your overall investment mix it can make sense to allocate more of your interest bearing investments to your RSR where they will be sheltered from taxes The TaxFree Savings Account TFSA A TFSA offers you the ability to earn tax- free investment income Even though you can only contribute annually to your TFSA over time this amount can grow into a significant sum because of its taxfree com pounded growth Taxexempt life insurance Instead of leaving your nonregistered in vestments exposed to your high tax rate consider investing through a taxexempt life insurance policy The income generated by your assets accumulates taxdeferred as in a registered plan For retirement income simply use the insurance policy as collateral for taxfree bank loans When your estate is settled the loans are repaid with the insur ance proceeds and the remainder goes to your beneficiaries also taxfree The Individual Pension Plan IPP An is a defined benefit pension plan es tablished by an incorporated company for business professionals An may enable you to make higher taxdeductible contri butions compared to your RSP and enhance your retirement income In addition the contributions are taxdeductible to your cor poration making it ideal for selfincorporat ed professionals and owner- managers Your own personal circumstances and retire ment timeline will ultimately determine how suitable these strategies are for you Working with us and a qualified tax advisor will allow you to make decisions on these opportuni ties and strategies that are appropriate to your own personal situation This article is supplied by Kevin D Murdoch CSA Vice President and Investment Advisor with RBC Dominion Securities Inc Member CIPF This article is for information purposes only Please con suit with a professional tax or legal advisor before taking any action based on information in this ar ticle Kevin Murdoch can be reached at 905-895- 8417