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Project cash flows during retirement at least annually continued from p.32 will be increasingly dependent on others. Now, the issue becomes who pays for these new expenses. Some services are available from the government. Many people would likely want to receive additional care and that will be at your own personal expense. The financial strategy needed is how to build enough financial resources that if you have increased medical and living expenses in your later years, you will be able to afford it. We have a few suggestions. We recommend you project your retirement cash flow needs at least annually. Add in some estimates of additional costs to see if your family finances can handle these extra expenses. Consider using your Tax-Free Savings Account as a way to save for extra costs. Money held in this account grows tax-free and can be withdrawn at any time. Another source of funds is from the sale of your house. For example, if you moved into a retirement home, the proceeds of the sale of the house could be used to pay the monthly living costs. Aging is expensive. We encourage you to plan accordingly. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner CONCRETE 33 | Thursday, April 23, 2015 | OAKVILLE BEAVER | www.insideHALTON.com spring patio GET AN EARLY START SALE! 20% off sale! All Shade Trees are on Reg. from $99.99 $999.99 Reg. $1599.99 13' Cantilever Umbrella See store for details. Take part in our early bird patio sale! Free deliver y on all patio furniture. 40% SA VE up to 50% OFF 20% OFF 9' Cantilever Umbrella .99 NOW $199.99, Reg. $399 THREE colours 30% off All Glazed Outdoor Pottery $29.99 $39.99 $9.99 Reg. $15.99 Pansy Tray Designer Days FREE ADVICE APRIL 25TH 10 am - 3pm EXPOSED AGGREGATE (Pebble) · DRIVEWAYS · STEPS · FRENCH CURBS · WALKWAYS · PATIOS · GARAGE FLOORS 9 Spring Planter, Reg. $39.9 Mud St W Welcome Spring Bird Planter, Reg. $49.99 Call stores for more details and to book an appointment. Upper Centennial OPEN 7 DAYS A WEEK: Sat. - Wed. 9am - 6pm, Thurs. - Fri. 9am - 8pm Second Rd E First Rd E Third Rd E uality At Its Best! Call Fernando Highland Rd W Rymal Rd E Sale period: April 23rd - 29th 905-844-5518 1-888-944-5518 www.concretetrimmings.com FREE ESTIMATES All items while quantities last, subject to availability. Category offers exclude "TERRA Essentials" 20 20 56 Ancaster Binbrook Niagara Burlington (905) 332-3222 · Milton (905) 876-4000 · Waterdown (905) 689-1999 Vaughan (905) 832-6955 · Hamilton (905) 692-6900, 340 Highway #20 www.terragreenhouses.com HUGE SELECTION All Perennials