1. Financière SISIP Financial MFRC Coordinators September 2015 Suzanne Ramsay, CFP

2. CF Moral & Welfare Services

3.  Financial Planning  CAF Group Savings Plan  Life and Disability Insurance  Financial Counselling Our Financial Solutions

4.  Offered exclusively to serving and released members of the CAF and their spouses  Extensive knowledge of the CAF pension, benefits, severance and pay structure  Providing unbiased financial solutions tailored to the unique needs of the CAF  Expert comprehensive advice from salary based Certified Financial Planners (CFPs) Financial Planning

5. Wide range of investment products and services including:  Release Planning with focus on severance, TV, LTD & Pension  Retirement Planning including 2 nd career considerations  General tax advice and estate planning  Goal based planning (major expense, education)  Portfolio analysis and investment recommendations  Diverse choice of investment products for registered accounts and tax-efficient options for OPEN accounts Financial Planning

7. Insurance Products Optional Insurance Plans:  Optional Group Term Insurance (OGTI)  Reserve Term Life Insurance (RTIP)  Insurance for Released Members (IRM) * Supported Group Benefits:  Long Term Disability (LTD/Res LTD)  General Officers Insurance Plan (GOIP)  Military Post Retirement Life Insurance Plan (MPRLIP) *  Accidental Dismemberment Insurance Plan (ADIP) * Policies available to released members

8.  No exclusions for war, dangerous occupations, hobbies, volunteer activities or sports  Less stringent medical underwriting requirements  $600k max coverage; dependent life coverage of $10k  Conversion from OGTI to IRM without evidence of insurability  Released members eligible to apply for IRM with proof of insurability Term Life Insurance

9. Medically Released members are provided with:  Salary replacement of 75%*, less other relevant sources of income  Vocational Rehabilitation Program is available to help prepare you for gainful civilian employment if needed (enhancing education, skills, training, experience)  In most instances, LTD plan covers you 24/7, whether injured in the line of duty or not * for the 1 st 2yrs, then must qualify as “totally disabled” Long Term Disability

10.  Providing personal money management assistance and education  Access to Canadian Forces Personnel Assistance Fund (CFPAF) loans and grants  Assist with access to Military Families Fund (MFF)  Referrals to professionals, local community service or other military resources  Assistance in resolving financial difficulties and improving quality of life  Strict case confidentiality Financial Counselling

11. Self Improvement Loan Program (SILP)  Loans of $1k - $5k for emergency/unforseen situations  Available to serving members only Minor Disbursement Program (Grants)  Up to $200 to relieve temporary distress  Serving members or released members (through VAC) Financial Distress Program (Grants & Loans)  Max $5k Grant & $25k Loan  Financial hardship due to sickness, accident, death  Serving members or released members CFPAF

12. Financial Solutions & Partners

13. www.sisip.com 1-800-267-6681