Our Advisors

FINANCIAL PLANNING
TEAM

John V. Sabourin
Certified Financial Planner
Partner

Robert C. Kimball
Financial Advisor

Barry Laberge
Certified Financial Planner

Reg Whaley
Financial Advisor

Robert W. (Bob) Rowe
Certified Financial Planner

Cathie James
Financial Advisor

David S. Brady
Certified Financial Planner

Janet W. Peters
Certified Financial Planner

Rodger Cleland
Financial Advisor

Everything You Need to Know About Tax-Free Savings Accounts (TFSAs)

Until 2009, most Canadians held their savings in RRSPs, where they could claim a deduction for their contributions and then defer tax on withdrawals until retirement. The newest savings vehicle available to Canadians is called a Tax-Free Savings Account (TFSA). Whether you are saving for the short term (0-5 years) or for the longer term (6 years and beyond) a TFSA can be a valuable addition to your financial plan. When used to its full advantage, a TFSA can be a powerful tool to save money in a tax free environment.

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To meet the needs of the estimated 10 million baby boomers who are facing retirement within the next 20 years, the Canadian financial services industry has spent considerable time and effort providing advice on how to accumulate enough wealth to last a lifetime. Perhaps the most common and time-tested approach has focused on asset allocation.

Simply put, asset allocation is an investment strategy that combines different investments in various asset classes, creating a portfolio that corresponds to your tolerance for risk. The portfolios are designed to help you build wealth comfortably during your working years. By spreading your investments among stocks, bonds, cash and other types of investments, you can benefit from excellent returns when the markets are performing well and minimize your losses if they perform poorly.

But for boomers facing retirement, asset allocation strategies are not enough to ensure your savings will last a lifetime. Future retirees may need to plan more carefully than previous generations due to a number of factors that are unique to this generation of investors.

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Before you say yes to mortgage insurance, consider a product designed to protect you and your loved ones–not your lender.

Get more for your money with Term insurance
When your financial institution approves a mortgage, your lender will offer to sell you mortgage insurance. That may seem convenient, but...before you say yes to mortgage insurance, you should know that you have other options. Protecting your mortgage with an individually-owned term insurance plan offers you and your loved ones better guarantees and greater choice. Quite simply, Term Insurance provides better value, more flexibility—and in most cases at a lower cost.

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No communication, article, information or advice on this web site constitutes or implies in any way a solicitation of business. Please remember that while strategies outlined within this newsletter may be appropriate for some investors, you should always consult a financial advisor to determine if they are appropriate for you.

Manulife and the block design are registered trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates including Manulife Securities Investment Services Inc.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund's simplified prospectus before investing.

The opinions expressed are those of the author and may not necessarily reflect those of Manulife Securities Investment Services Inc.

John Sabourin, Robert Rowe, David Brady, Rob Kimball, Barry Laberge, Cathie James, Janet Peters and Reg Whaley and MANULIFE SECURITIES INVESTMENT SERVICES INC. OR MANULIFE SECURITIES INCORPORATED AND/OR MANULIFE SECURITIES INSURANCE INC. ("Manulife Securities") do not make any representation that the information in any linked site is accurate and will not accept any responsibility or liability for any inaccuracies in the information not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of John Sabourin, Robert Rowe, David Brady, Rob Kimball, Barry Laberge, Cathie James, Janet Peters and Reg Whaley or Manulife Securities. The information in this communication is subject to change without notice.