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How strong is your FINANCIAL FUTURE? A strong portfolio includes a range of mutual funds from AIM Trimark Investments. For help building your financial future, call me today. Dave Peers, Agent 917 Nipissing Road Milton, ON L9T 5E3 Bus: 905-876-1667 dave.peers.qg7i@statefarm.com Office Hours Mon. - Fri. 9-5, Sat. 10-2 Evenings and Weekends by appointment Investor Services. ATM TRIMARK LIKE A GOOD NEIGHBOUR, STATE FARM IS THERE.TM Are You Ready for Retirement? By Dave Peers State Farm® Representative Many of us dream of the day when we will be able to "retire". To wake up in the morning at our leisure and not have to: fight the traffic; sit through endless meetings and rush to meet deadlines. Although we spend time dreaming of this utopia, do we spend enough time planning financially for this stage in our lives? Whatever your definition - taking the time to plan for your future will help to ensure your retirement is as comfortable and relaxing as you envision. Caution should be taken when relying on government programs such as the Canada Pension Plan (CPP) and Old Age Security (OAS). In doing so you relegate yourself to a fixed income. In 200 1, the maximum monthly payment for CPP was $775 if it was taken at age 65, and $440 for OAS (Source: HRDC). Often these set payments do not keep pace with the cost of living. This may be a concern if you do not have another plan to complement this social benefit. Some of the other sources for our retirement income include employer pension plans, registered retirement saving plans and personal savings and investments. Statistics Canada indicated approximately 33% of the labor force were members of a Registered Pension Plan in 2000 (Source: Statistics Canada). What are the other 10 million employed individuals doing to save for their retirement years? The most popular way to save for your retirement is through a Registered Retirement Savings Plan (RRSP). Individuals who open an RRSP can generally deduct their contribution from their taxable income subject to various limitations. Investment income earned on these funds is generally not taxed until the funds are withdrawn from the RRSP. Other ways to set money aside for your retirement include guaranteed investment certificates, stocks and bonds, mutual funds and life insurance. The sooner you start planning and saving, the sooner you'll be moving toward making your retirement plans a reality. To review your options or obtain more information, please give me a call at ( 905 ) 876 - 1667 Sponsored by State Farm Investor Services TM (Canada) Co., 100 Consilium Place, Scarborough, ON M1H 3G9 1-866-814-6597 State Farm Investor Services (Canada) Co. is a separate legal entity from State Farm Mutual Automobile Insurance Company, or any of its insurance affiliates. State Farm Investor Service (Canada) Co, and AIM Funds Management Inc, have entered into a business relationship in order to offer mutual funds. State Farm Investors services (Canada) Co. is a separate legal entity from State Farm Mutual Automobile Company, or any of its insurance affiliates. Mutual Funds are not insurance products Commissions, trailing commissions, management fees and expenses may ail be associated with mutual fund investments. Mutual funds are not guaranteed, their values change treqaenty, and past performance may not be repeated Please read the prospectus before investing. tAIM, the chevron logo and ait associatedtrademarks are trademarks of AIM Management Group Inc., used under license. *TRIMARK and ait associated trade-