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Services

Account Types and Products

About Mutual Funds and Fees

Our Observations

We have discovered that many of our potential clients hold investments which are underachievers, either because they did not take the time to investigate all that is available in the market place or they bought into a fund based on its past performance, only to find that fund has not performed since they bought it. They have continued to hold the fund because they do not have an expert advising them or analysing the current trends of that product.

It would appear that more people are retiring later, however the expected length of retirement as a percentage of total life expectancy remains unchanged from 1997 studies to those done in 2008. The figures compiled by Statistics Canada show that the average Canadian in 2008 would be expected to work until age 66, up from 62 in the mid-nineties and 64 years of age in the late seventies.  Unfortunately, even by delaying retirement, many of these people are financially unprepared, do not have sufficient savings for retirement and have not fully considered the rising costs of health care for themselves or in some cases, dependent parents.  Making our job even more important during the accumulation periods and into the income (decumulation) periods.

Questions asked most frequently by retirees:
– When should I retire?
– Can I afford to retire?
– How much income will I receive in my retirement?
– For how long?

At Future Financial, we review all income sources, including company pension plans, government programs, income from RRSPs, non-registered accounts, investment income (potentially from home equity) and all tax credits. Our job is to maximize all of the above without exposing you to unnecessary risk.

The other side of the ledger is to review all expenses, now and into retirement. We question each expense to determine if and how it can be minimized.

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