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www.insideHALTON.com | OAKVILLE BEAVER | Thursday, March 20, 2014 | 18 TODAY AND TOMORROW FINANCIAL · TAX · LIFESTYLE · RETIREMENT & ESTATE PLANNING 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) March 22 Sharing Smiles Day Dental and dental hygiene students from the University of Toronto and George Brown College hope to raise awareness about the importance of increasing access to proper oral healthcare to people with special needs. Toronto-based, not-for-profit organization Oral Health, Total Health (OHTH) is hosting the sixth annual Sharing Smiles Day in Oakville March 22 from 11 a.m. to 2 p.m. to bring together community members, dentists and researchers to break down attitudinal barriers between dental students and persons with special needs. The event, held at Le Dome Banquet Hall (1173 North Service Rd. E.), will feature an interactive oral hygiene demonstration for the participants following games and a luncheon. There will also be speeches by special guests. For the past 30 years, oral health has remained one of the top health needs facing persons with special needs, according to OHTH's website. People with disabilities also experience a greater load of oral disease, including cavities and gum disease than the general population. "Ensuring access to dental care for persons with disabilities not only helps their oral health but their overall, quality of life," said Dr. Ali Sigal, the founder of the OHTH. The event also aims to connect the next generation of dental and dental hygiene students to people with special needs to build positive relationships and help the students gain comfort, confidence and familiarity with their unique needs. OHTH aims to advocate, educate and improve oral healthcare for those with special needs. It was founded by University of Toronto dental students, and has expanded to other dental schools in Canada. For information, visit www.ohth.ca. M.C.I., T.E.P., C.P.C.A. Ron Rousseaux 2013 GOLD WINNER VOTED BEST FINANCIAL PLANNER: Burlington: 2001, 2010 & 2012 Oakville: 2006, 2008, 2010 & 2012 & Flamborough: 2005 to 2013 & Hamilton: 2012-2013 2012 IS IT TIME TO GUARANTEE YOUR RETIREMENT INCOME? FOR THOSE ALREADY RETIRED OR ABOUT TO RETIRE: t Is it time to start looking at products that can provide you with a predictable, sustainable income for life? t Is it time to start doing something different and remove the uncertainty of your income flow? t The future of the stock market will be no less volatile than in the past. Is it time to start thinking differently? t Estate and probate fee reductions are possible. (New rules January 1, 2013) t Clawbacks can be reduced. t 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* G.M.W.Bs GIC Age 65- $7 ,000 70- $17 ,985 72- $28,651 75- $24,322 80- $30,471 85- $21,706 90- $28,238 Age 99 total payment: $692,452 Age 65 $10,326 $12,623 $18,018 $16,871 $15,076 $13,429 $11,900 Age 94 total payment: $413,016 100% Capital Guarantee (less withdrawals) 4% Income Guaranteed for life 100% Capital Guarantee (less withdrawals) 5% Income Guaranteed for life 75% Capital Guarantee (less withdrawals) 5% Income Guaranteed for life Halton.ca 311 Notice of Construction Wastewater Main Installation on Easement from Lower Base Line to Third Line Town of Oakville PR-2584C Age 75 and 80 *EXAMPLES* Age 85 and 90 Minimal initial deposit is $25,000.00 up to the age of 90. What type of RRIF do you want? GUARANTEED INCOME SOLUTIONS CAN OFFER YOU: t Predictable and sustainable income that lasts for life for you and/or your spouses life. t Certainty and peace of mind that you will never outlive your income. t Dependable income to help you plan and manage your expenses. t Protection from market volatility. WE WILL ALSO BE DISCUSSING: t The new Ontario probate rules and why as of January 1st, 2013 it will now take 4 years until you can wind up your Estate and how to plan for the changes. t Why as a Baby Boomer you do not want to take your CPP early and how to avoid doing so. t Creating a guaranteed legacy/Inheritance at a fixed cost. SEMINAR DATES Thursday, March 27th, 2014 Fireside Room 1:00pm ­ 3:00pm or 7:00pm ­ 9:00pm Burlington Art Centre 1333 Lakeshore Rd, Burlington FREE Parking ­ Please see front desk Handouts and Refreshments will be served. Saturday, March 29th, 2014 Shoreline Room 10:00am ­ 12:00pm To reserve your seat, call Justin or Sherry at: 905-336-9941 or 1-888-895-0696 Email: justinr@todaytomorrow.com or sherryb@todaytomorrow.com Contract Number: Scheduled Start Date: Scheduled Completion Date: Project Manager: S-2584C-14 April 2014 December 2015 Kenny Ching 905-825-6000 x 7436 kenny.ching@halton.ca 200314 "21 Years of Excellence!"~www.todaytomorrow.com LET US HELP YOU BUILD A CORRECT RETIREMENT, TAX & ESTATE PLANE - "FULL INDEPENDENT - BACKED BY STRENGTH" Please contact us as soon as possible if you have any accessibility needs at Halton Region events or meetings.