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p6 fc iffiiim i mtmtmm wi st w independent thinkings tfdni your fmependent broker we offer a wide variety of products services from wanks trust companies insurance iiidifstry mutual fund industry- rrspv investment planning gics mutual funds seg funds we do not charge fees for our services we can help you brian j 8 evans financial services 38 toronto st n unit 2 uxbridge 905 8523184 18002680417 associated zoith triple a financial services bjevansihterhopnet open monday friday 900 500 saturdays during february 900 500 r evening appointments available brian j evans business and finance delaying rrsp contributions can cost money now and in the futut w it is very important to know exactly how much you can contribute to your rrsp in any given year keep in mind that rrsp limits are based on previ ous years earned income for example salary or business income you also need to know the amount of your pension adjust ment from work which is indicated on your t4 or t4a your limit is 18 per cent of your previous years earned income to a maximum of 13500 less the pa plus any carry forward you have accu mulated you can also call rev enue canada tips youll need your social insur ance number date of birth and the income you reported on line 150 of your 1996 tax return another- alternative is to v if the only advice youre currently receiving involves buying and selling investments youre not getting wise advice by encouraging you to consider your complete financial situation investmenttax and estate planning and to consistently think long term we can help you achieve your financial goals td evergreen wise advice on the management of wealth call 18005999555 or ask your local td bank about filioti w e a l t h man a g e m e n t a on ttnn if 7 d securities lnr td securities inc is a subsidiary of the toronto dominion bank tdsl member cipf wiseadviee on the management i 1jj isis ofwealth anthony mangione ice president i f y simply refer to last years notice of assessment from revenue canada where your current limit and accu mulated carry forward is tracked for you there are pluses and minuses to car rying forward unused rrsp contribution room if you dont claim- your maximum rrsp deduc tion in any given year you can carry it for ward this ensures that if you dont have the money one year you can make it up later if you have fluctuating annual income you can delay rrsp contribu tions in years rrsps rrifs take the worry out of tax time by letting me give you honest reliable experienced advise rrsfs rrifs together we can create v how to optimize your rrsp assets into a secure retirement income stream k an estate bond to pass your rrif assets to your heirs not revenue canada v properly allocate your retirement assets to achieve your desired return v an estate multiplierto increase your surviving spouses net income v how to shelter surplus retirement income from further taxation v methods to increase your aftertax retirement income v alleviate the oas clawback gall for a complimentary appointment today david parson 6288 main street stouffville 905642rrsp s bmmflflflflhh mutual funds index linked term deposits savings plans or gics we have all the retirement savings options but do you have all the information you need if you need the servicesof a financial planner to help you through the maze call us well make the arrangements for you at well below market cost stouffville crediujnion 9056402811 wm pi 6245main strcei stouffville branch of greater toronto area when your 3 income is lower and make them up when your income is high er higher income means higher tax brackets claiming rrsp deductions in those years will bring your over- all taxable income down meaning you pay less tax on the minus side delaying rrsp contribu tions year after year can be costly many peo ple who forego their contribu tion in any given year rarely make it up if you cant contribute 2000 this year will you be able to make up 10000 five i years from now one of the greatest bene- fits of contribut ing to an rrsp is taxsheltered compounding by delaying contributions you not onlyy miss out on the o tax sheltered learnings for the year but you also shorten the time your money has to grow large rrsp contribu- tions in later f years may make yousubjf ject to alter na- five minimum tax an alterna tive tax calcula- tion designed tp- reduce y occa sions where high vinepme earners pay lit tle or no tax normal rrspg contributions are usually well below the amtt exemption of 40000 this article has been jijpejtared for brian j evans financial services m i- f gbt gjr m