1. Retirement Will You Be Ready?

2. Three REASONS you need a plan… 1 - Life Expectancy is Increasing 2 - Cost of Healthcare is Increasing 3 - Income Tax is Increasing

3. “… and to think, forty years ago I gave up smoking and drinking for this.”

4. The number of years you can expect to live in retirement has increased significantly since your parents retired. Source: Statistics Canada 30% for women 50% for men

5. For every $1,000 of monthly income you want, you will need to save considerably more than your parents did. Assumptions: RRSP earns 4.5% annual return, income increased by 3% each year for inflation $45,000 for women $61,000 for men

6. A well crafted financial plan can help to ensure you do not out live your income.

7. Years of healthy eating and exercise have unfortunately added five more years to Melvin’s Life.

8. 46% Cancer Diagnosis 20% Having a Stroke 16% Heart Disease Source: Canada’s Aging Population, Health Canada Report In Canada each year there are 145,000 cancer diagnoses, 75,000 heart attacks and 40,000 to 50,000 strokes. Chance of suffering a major illness in next 20 years.

9. Assumptions: $81,967 pre-tax withdrawal at various ages, 7% return pre-retirement, 5% return in retirement Lost income resulting from an RRSP withdrawal to cover $50,000 of unexpected medical expenses.

10. A financial plan can help you prepare for unexpected medical expenses.

11. “Now are you convinced that the tax simplification plan will work, chief?”.

12. For 2009, if you are under 65 you have 5 tax brackets to manage, the highest being 39%. Combined Federal and Alberta tax rates

13. For 2009, if you are over 65 you have 11 tax brackets to manage, the highest being 51%*. *Combined Federal and Alberta tax rates includingOAS and the Age Credit Clawbacks

14. A financial plan can help you maximize your after-tax income in retirement.

15. We Can Help With Our Exclusive Planning Service

16. 1. Investment Planning 2. Retirement Planning 3. Estate Planning

17. Talk to Your Advisor TODAY

18. Our Advisors At Mackie Research Capital, our Investment Advisors work on your behalf to provide you with needed advice and solutions tailored to your personal situation. Wealth Management Mackie Research Capital provides full wealth management services which enable you to identify and meet your financial and life goals. Managed Portfolio Accounts For investors who want the freedom to focus on what is important to them and the confidence that their wealth is being managed according to the high standards they demand.