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» O vemoebw ... , Expert adviee helps ease anxiety at income .tax time Il is income tax lime again. And although many pearpley crana thi meirf peopltey dra bise lio anxieties by going to the experts for advice. Don Dasti and bis staff at TPA Investment Planning, in Wbitby, are prepared 10 look afler your financial future. The company was started in 1975 by Ted Piekarz and specializes in ail areas of investment and financiai services. But the key to TPA is the individualized service the company provides. ..We are very personalized," says Dasti, the manager of the Whitby office. "We focus on meeting the client's investment needs." TPA accomplishes this through a variety of investmenî funds, guaran- teed investment certificates (GICs), termn-life insurance, RRIFs, annuities and retirement savings plans. The important thing is to find the right plan 10 maximize tbe effectiveness of the investment. Maximizing the return on the investment dollar is good advice for anyone, but Ibis i s especially true for people nearing retrement age. -Registered retirement plans, by tbemselves, just don't provide enough return to maintain the stan- dard of living people were used 10 while working fuiltime," says the TPA manager. "Seniors are especiaily vuinerable since they are bit by high- er taxes due 10 investment strategies which normally involve use of GICs, which are 100 per cent taxable as opposed 10 dividend or capital gain income whicb gels laxed at a Iower rate. Since many retired people depend on interest from the CIGs for their everyday living expenses, there is no potential for growtb within Ibeir investment portfolios and, thus because of inflation, they experience a decrease in tbe purcbasing power of their dollars." Dasti says people can't be blamed for taking the simplest approach to financial planning - bank-offered tern deposils and RRSPs. "Financial planning is a complicat- ed subject," he says. "11 is not that il is complicated 10 undersîand. Il is jusl that there are so many choices availabie. People can easiiy geLcon-. . "S.EEKING PROFESSIONAL GUIDANCE AND ADVICE WILL GREATLY ENTIANCE YOUR FINANCIAL FUTURE." Don Dasti, TPA Investrment Planning fused by ail the options." That is where TPA steps in. The company shows people that there are other investments available to themn that will sti11 decrease their taxes, while maximizing their return. An example is having a good mutual fund product that will allow a consistent flow of income while providing poten- liai growth to offset inflation. Il is ail about coming up with an investment straîegy and prepaning for the future. "The focus is to have the invest- ment grow and keep pace witb infla- tion, " says Dasti. "That way, people have more money to enjoy retirement activities." The continuing unstable economic climate makes it imperative people plan for their future. TPA investment Planning Inc. is a one-stop financial service. "Planning is very important, but you only reach part of your financiai goal if you don't look at ail the options and choices," Dasti says. **If you seek professionai guidlance and advice, il will.greatly enhance your financiai future." TPA Investment Planning is located ai 122 Athol St. in Whitby. TPA also offers; computerized income tax prepa- ration and regularly prescrits semninars dealing with financial planning. For a consultation or semninar information. contact TPA, at 666-