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M A R K I N G A M I L E S T O N E There was a celebration Nov. 13 as GEMSYS Money Handling Systems Inc. celebrated the company's 25th year in Oakville. On hand to help mark the occasion were Oakville Mayor Rob Burton and Oakville Chamber of Commerce Chair Orla Johnston. Seen here, from left, are GEMSYS Vice President Brady Metcalfe, and owners Jack and Janet Lord. The company is located at 1108 South Service Rd. For more, visit www.gemsysinc. com. FINANCIAL · TAX · LIFESTYLE · RETIREMENT & ESTATE PLANNING TODAY AND TOMORROW 2012 15 | Thursday, November 21, 2013 | OAKVILLE BEAVER | www.insideHALTON.com Ron Rousseaux Financial Advisor Manulife Securities Investment Services Inc. M.C.I., T.E.P., C.P.C.A. 2013 GOLD WINNER Ron Rousseaux is a well-known, successful and respected Independent Financial, Tax, Retirement and Estate Planner located in Burlington. He is the Leader of the Today & Tomorrow team with a background encompassing Finance, Revenue Canada, Private Industry, Technical Advisor, one of the few Certified Professional Consultant on Aging in Canada and ex-military (2 P.P.C.L.I) VOTED BEST FINANCIAL PLANNER: Burlington: 2001, 2010 & 2012 Oakville: 2006, 2008, 2010 & 2012 Flamborough: 2005 to 2013 & Hamilton: 2012-2013 IS IT TIME TO GUARANTEE YOUR RETIREMENT INCOME? FOR THOSE ALREADY RETIRED OR ABOUT TO RETIRE: Is it time to start looking at products that can provide you a predictable, sustainable income for life? Is it time to start doing something different and remove the uncertainty of your income flow? The future of the stock market will be no less volatile than in the past. Is it time to start thinking differently? Estate and probate fee reductions are possible. (New rules January 1, 2013) Clawbacks can be reduced. Tax rate reductions and income splitting is possible. G.M.W.Bs (Guaranteed Minimum Withdrawal Benefit) vs. GIC earning 2.45% per year, both taking the RRIF minimum starting at age 65 *$250,000.00 deposit* YES IT IS CLOSE TO THE SEASON TO BE JOLLY AND THIS SEMINAR WILL HELP YOU ENJOY THE SEASON EVEN MORE. G.M.W.Bs Age 65 71 72 75 80 85 90 $10,574 $15,798 $ 25,108 $26,070 $20,586 $16,300 $15,573 GIC $10,233 $11,584 $16,031 $14,320 $11,831 $9,737 $7 ,963 Age 94 Total Payment: $331,136 | photo by Chantal Ayotte ­ Oakville Beaver (Follow on Twitter @halton_photog) Age 94 Total Payment: $535,583 I am using historical annual returns of 5.28% (1990 ­ 2009) What type of RRIF do you want? GUARANTEED INCOME SOLUTIONS CAN OFFER YOU: · Predictable and sustainable income that lasts for life for you and/or your spouse's life. · Certainty and peace of mind that you will never outlive your income. · Dependable income to help you plan and manage you expenses. · Protection from market volatility. WE WILL ALSO BE DISCUSSING: · Why as a Baby Boomer you do not want to take your CPP early and how to avoid doing so. · Creating a guaranteed legacy/Inheritance at a fixed cost. · Our 10 and 10 rule for Mutual Funds. CLIENT TESTIMONIALS "Happy 20th birthday Today & Tomorrow. Many financial organizations focus on the importance of maximizing capital for retirement at the expense of living life. None of us know what our future may hold and it is essential to establish the right balance between achieving old age security and having fun in the meantime, chipping away at our bucket list of ambitions while we can enjoy them fully. Having been clients with Today & Tomorrow for more than half of its life, we have valued Ron's support for our directional changes, adjusting our portfolios with recommendations appropriate to our ages and consequential in levels of risk, especially in the context of recent turbulent times." P.R & L.R from Lunenburg, Nova Scotia "My association with Today & Tomorrow goes back 15 years. Ron Rousseaux has been more than a financial planner, an estate and tax Advisor. He has also become a most valuable & loyal friend." J.B from Toronto, Ontario *All testimonials have been approved by the writer to publish and if necessary, we have the original copies of the above testimonials and others should you wish to see it in person* Expropriations Act, R.S.O. 1990, c. E.26. NOTICE OF APPLICATION FOR APPROVAL TO EXPROPRIATE LAND IN THE MATTER OF an application by Halton Catholic District School Board for approval to expropriate all right, title and interest in the land being Lots 5 and 6 on Plan 552 in the Town of Oakville for the purpose of acquiring in its jurisdiction the expansion of an existing school site in the Town of Oakville. NOTICE IS HEREBY GIVEN that application has been made for approval to expropriate the land described as follows: Lots 5 and 6 on Plan 552 in the Town of Oakville. Any owner of lands in respect of which notice is given who desires an inquiry into whether the taking of such land is fair, sound and reasonably necessary in the achievement of the objectives of the expropriating authority shall so notify the approving authority in writing (a) in the case of a registered owner, served personally or by registered mail within thirty (30) days after the registered owner is served with the notice, or, when the registered owner is served by publication, within thirty (30) days after the first publication of the notice; in the case of an owner who is not a registered owner, within thirty (30) days after the first publication of the notice. CELEBRATING OUR 20TH ANNIVERSARY! www.todaytomorrow.com SEMINAR DATE THURSDAY, NOVEMBER 28, 2013 · 1:00-2:30pm or 7:00-8:30pm To reserve your seat, call Justin or Sherry at: Tyandaga Room 905-336-9941 or 1-888-895-0696 Burlington Convention Centre Email: justinr@todaytomorrow.com or 1120 Burloak Drive, Burlington FREE PARKING sherryb@todaytomorrow.com Handouts and Refreshments will be served. (b) The approving authority is: Halton Catholic District School Board P.O. Box 5308, 802 Drury Lane, Burlington, Ontario L7R 2Y2 The expropriating authority is: Halton Catholic District School Board P.O. Box 5308, 802 Drury Lane, Burlington, Ontario L7R 2Y2 Dated at Burlington this 28th day of October, 2013. Halton Catholic District School Board This Notice first published this 7th day of November, 2013 Manulife Securities and the block design are registered service marks and trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates including Manulife Securities Investment Services Inc. Manulife Securities Investment Services Inc. is a Member MFDA IPC. Mutual funds are offered through Manulife Securities Investment Services Inc. Insurance products and services are offered through Today & Tomorrow Financial Planning Inc. LET US HELP YOU BUILD A CORRECT RETIREMENT, TAX & ESTATE PLAN - "Fully Independent - Backed by Strength"