Sample capital accumulation and depletion forecast based on savings rate, expected investment return, and modelled future cash flow requirements. In this example, the client will run out of capital before life expectancy.Sample asset allocation and risk vs return analysis of an investment portfolio.

WEALTH Matters — SPRING 2009

Planning assessment report—with our compliments!

Page and Associates ltd:

Phone:    905-884-5563

Fax:         905-884-3365


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planning assessment report - with our compliments

Interest rates and fixed-income investments

critical illness stop loss

recession recovery

Given the low interest rates on GICs and bonds, and the past year’s decline in equity values (stocks and real estate) many people worry about the impact on their financial security. Questions we often hear are: will I run out of money during retirement? Will I need to work longer or reduce my income to ensure I don’t run out? How can I reduce my taxes so I can save more?

If you don’t have an up-to-date written plan, we can help.

We would like to offer you a comprehensive Planning Assessment Report which includes assessments of

· the Assets and Liabilities that comprise your Net Worth

· how much of your income goes to taxes and savings

· how your investment portfolio is allocated and its return expectation per unit of risk

· how your investment capital is likely to accumulate and then deplete as you draw on your investments to fund your retirement and other life goals, and how long that capital will last given your retirement income goals, and

· what the likely impact of a death or disability is on your plans.

Studies have shown that people who have a written financial plan have more confidence in their financial security, have much less anxiety, and have more time to spend on the things that really matter in life, like friends, family and hobbies and sports.

Our financial planning process has been refined over more than 25 years, and was selected as the basis for the Best Practices Manual of Advocis, the Canadian Association of Insurance and Financial Advisors.

So why not let us show you how we can help you experience the confidence that comes from a written plan?

Mutual Funds and Segregated funds provided by Fund Companies offered through

Worldsource Financial Management Inc. sponsoring mutual fund dealer.

All other services provided by Page and Associates Ltd.

These are questions that a Financial Plan can answer. Many of our clients have already engaged us to prepare and maintain a written financial plan for them, and revising their personal forecast each year is part of the maintenance process. After all, things do change in our lives, and even if we have a plan, it needs to be kept current to reflect our changing circumstances and goals.

Please click here to request an appointment for your own Planning Assessment, or just call your account manager.

This is NOT a one-size-fits-all report. It is a customized analysis based on your specific situation and your unique set of goals and values, which we will help clarify during our Initial Assessment and Evaluation meeting. We then take your information and run a simulation of your financial future using a sophisticated computer model, and use the results to produce your customized report. Finally, we will meet with you again to review the report, which will help answer those critical questions.

We are making this service available to our clients at no cost or obligation to help add some value and confidence to your life during these unsettled times.



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Resources on financial planning and investment management, including today's best GIC rates, access to your account online, links to a variety of web-based resources.Subscribe to our financial planning newsletter, or read articles from past issues.Read about a variety of financial planning and investment management strategies.Meet the members of the Page and Associates financial planning and investment management team.Find out how Page and Associates can help you plan your financial future.An overview of Page and Associates' history.Home page of the Page and Associates website.

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