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

Recently, during our move to a new location we uncovered the following article from June 1998, written by John Sabourin. As we read through it again, it became apparent that over the last 11 years the need to assess your insurance needs is just as relevant.

It’s a fact. Most Canadians are underinsured. A $200,000 or $300,000 policy simply won’t replace the breadwinner’s income, let alone provide for your children’s education or your spouses retirement. It’s vital that Canadian families assess their life insurance needs using assumptions that are valid today, not a decade ago.

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How New CPP Rules Affect You

Because of the recession, I'm planning to retire early, and I'd like to start receiving my CPP when I do. I hear that the rules are changing. Can you explain them?

Last month (May 2009) the Finance Department announced changes to the Canada Pension Plan that will be phased in from 2011 to 2016. They will affect people who start receiving payments early, or who delay getting them until after they are 65.

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Economic Outlook - Active Saving

We are turning from passive savers into active savers. After years of using rising real estate values as their main savings vehicle, Canadians are now starting to save the old fashioned way—that is, putting money aside. To be sure, a higher savings rate is not atypical for a recessionary period. In the 1980's recession, the savings rate shot up to 20 percent, as declining consumer confidence and fear of layoffs had Canadians taking frugality to the extreme.

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By definition, the stock market is always changing. One day it's up, the next it's down. Or it may be up for years, and then suddenly start falling. The only thing that's guaranteed about the stock market is that it will change. But sometimes it can be hard to cope with all of these ups and downs, especially if you worry that the down periods will affect your plans for retirement, buying a home, saving for college, or other financial goals.

A stock market with lots of ups and downs can cause anxiety, fear, and worry. That's why it's important to consult with a financial planner to develop a plan that will carry you through the ups and the downs, and to also come up with your own plan to cope with both the financial and the emotional fallout from a uncertain market.

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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.