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

www.insideHALTON.com | OAKVILLE BEAVER | Thursday, July 10, 2014 | 8 FINANCIAL · TAX · LIFESTYLE · RETIREMENT & ESTATE PLANNING TODAY AND TOMORROW 2012 F O R E T H E H O S P I T A L Ron Rousseaux C.P.C.A. Financial Advisor Manulife Securities Investment Services Inc. with Today & Tomorrow Financial Planning Inc. 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 A Summer Seminar with a Difference One of the main rules about public speaking is that you do not hold public seminars during the summer months, as people are not interested in learning during July and August. Being a contrarian, I of course disagree with the way the herd thinks and acts. I am of the impression that the public wants to learn during all 12 months of the year. In fact, during July and August we are more relaxed, the weather is great and we have time to learn. OUR SUMMER SERIES OF SEMINARS WILL RUN FOR THREE DAYS AND WE HAVE LOCATED THEM IN SETTINGS THAT ARE RELAXING, INFORMATIVE, AND PROVIDE EASY ACCESS. OUR TOPICS THIS SUMMER COVER THE FOLLOWING AREAS: THE FUTURE VS THE PAST Where do we position future investments for our clients? · Index Funds · Canada · Balanced Mutual Funds · Emerging Markets · GIC's · Europe · U.S.A. · The choices are many and very confusing. We know that interest rates may stay low for some time, given the level of North American Debt Loads. The past five years have provided the U.S. markets with fantastic returns or have they? What about six years? As the saying goes ­"Now the Rest of the Story". Let's look at the facts. RETIREMENT PLUS (FOR THOSE WHO WANT GUARANTEES) ¿ Manulife's new Retirement Plus product ­ when do we use it or a part of it, how do the various parts work, the pros and cons of using it and alternatives available to us. GICS AND BONDS ¿ Alternatives to GICs and Bonds for TFSAs or RESPs. Why some GICs go through Estate and Probate and others do not. RESPs ¿ Are RESPs still useful and why we use income funds instead of GICs or Bonds? Why we also prefer to use those RESPs that in fact belong to you with no penalties or fees when you need them. RRSPs ¿ Why RRSPs are still a good investment to make and how to calculate the benefits to you and your options when starting an income stream. RRIFs ¿ My current RRIF portfolio (Registered Retirement Income Fund) is placed in GICs or Bonds and what I earn comes nowhere near what I must take out so my capital is shrinking and my income is decreasing. Are there guaranteed alternatives? Yes there are and we will be discussing some of them. We will also discuss using Income Funds. ESTATE PLANNING SIMPLIFIED ¿ Is there a way that I can streamline my Estate so that my children can receive their inheritance but without all of the legal, accounting and probate fees. I do not want them to receive it all at once but over a few years, can it be done? The answer is yes it can be and in fact guarantees can be obtained for Capital and still maintain flexibility. OTHER FORMS OF INCOME ¿ Let's get rid of the myth and how about some tax efficient income. The 35th annual Italian community's golf fundraiser in support of the new Oakville Hospital was a sell-out last Friday at Glen Abbey Golf Club. Presenting the $20,000 cheque and two long-time sponsorship plaques are, from left to right, John Carusi of the organizing committee; John Piper, a McDonald's franchise owner and hospital board member; John Paladino, of the organizing committee; Santo De Arcangelis, president of High Reach Inc.; and Carmen Bonfiglio of the organizing committee. | photo by Graham Paine ­ Oakville Beaver (Follow on Twitter @halton_photog or facebook.com/HaltonPhotog) THE FLOORING CHALLENGE" " WE DARE ANYONE TO MATCH THESE DEALS! INSTALLATION & UNDERPAD INCLUDED! W NE SHAW TWO TONE SHORT SHAG PEERLESS HEAVY BERBER $ 1.99 SQ.FT. $ SEMINAR DATES Saturday, July 12th, 2014 Art Gallery of Burlington (Formerly known as Burlington Art Centre) 1333 Lakeshore Rd., Burlington Shoreline Room ­ 10:00am ­ 12:00pm Tuesday, July 15th, 2014 Royal Botanical Gardens 680 Plains Rd. W., Burlington Café Annex Afternoon: 1:00pm - 3:00pm Evening: 7:00pm - 9:00pm 2.99 SQ.FT. KARASTAN ELEGANT PLUSH SHAG $ 3.99 MIRAGE HARDWOOD SQ.FT. $ STARTING AT 7.99 SQ.FT. ALL IN-STOCK AREA RUGS... Thursday, July 17th, 2014 Paletta Mansion, 4250 Lakeshore Rd., Burlington, Main Floor Afternoon: 1:00pm - 3:00pm Evening: 7:00pm - 9:00pm Mutual funds are offered through Manulife Securities Investment Services Inc. Insurance products and services are offered through Today and Tomorrow Financial Planning Inc. Manulife Securities Investment Services Inc. is a Member MFDA IPC. The Manulife Securities logo and the Block Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. 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 Manulife Securities Investment Services Inc. UP TO 100's of Persian Rugs, Karastan, Designer and Discounted Area Rugs. Hurry in for the best selection. 1/2 PRICE OR LESS! SUPERSTORE FOLLOWING LOCATIONS ONLY: LET US HELP YOU BUILD A CORRECT RETIREMENT, TAX & ESTATE PLAN - "FULLY INDEPENDENT - BACKED BY STRENGTH" 125 Cross Ave. TRAFALGAR VILLAGE OAKVILLE · 905-849-4472 OPEN SUNDAYS 228 KING ST. E. Hamilton · 905-546-1921