Page 24 • News Now • Thursday, September 24, 2015 RON ROUSSEAUX Ron Rousseaux is a well-known, successful and respected Independent Financial, Tax, Retirement and Estate Planner located in Burlington. He M.C.I., T.E.P, C.P.C.A. is the Leader of the Today & Tomorrow team with a background Financial AdvisorFinance, Revenue Canada, Private Industry, Technical Manulife Securities Ron encompassing RON ROUSSEAUX Rousseaux is a well-known, successful and respected Independent Advisor, of the few Professional onHe Aging in Investment Services Inc. Financial, Tax,one Retirement andCertified Estate Planner locatedConsultant in Burlington. M.C.I., T.E.P, C.P.C.A. ex-military (2 P.P.C.L.I) Leaderand of the Today & Tomorrow team with a background President -Today and is theCanada Financial AdvisorManulife Securities Tomorrow Financial encompassing Finance, Revenue Canada, Private Industry, Technical Investment Inc. Advisor, one of the few Certified Professional Consultant on Aging in PlanningServices Inc.
TOPICS 1. 2. 3. 4. 5. 6.
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The new RRIF Rules and how they affect those aged 71 to 94. You may not like them and how Canada and ex-military (2 P.P.C.L.I) to legally circumvent them. President -Today and Tomorrow Financial Inc. The new Estate and Probate rules and why your affairsPlanning are probably COURTNEY ROUSSEAUXset up incorrectly. JUSTIN ROUSSEAUX BA. E.P.C, C.P.C.A., C.E.A. C.P.C.A. How weRON managed to have a 1.6 million dollar estate bypass not only Estate and Probate but Executive Assistant Financial Advisor COURTNEY ROUSSEAUX JUSTIN ROUSSEAUX ROUSSEAUX Ron is aawell-known, well-known, successful and respected Independent RON ROUSSEAUX RonRousseaux Rousseaux is successful and respected Independent E.P.C, C.P.C.A., C.E.A. C.P.C.A. Manulife Investment Services Inc. also Executor fees –C.P.C.A. Legal fees –Financial, Accounting and BA. Trustee fees. Financial, Tax, Tax,fees Retirement and Estate Planner located in Burlington. He He M.C.I., T.E.P, C.P.C.A. Executive Assistant Financial Advisor Retirement and Estate Planner located in Securities Burlington. M.C.I., T.E.P, is the Leader of the Today & Tomorrow team with a background Financial AdvisorManulife Securities Investment Services Inc. How to Financial prevent using an expensive andLeader taxable trust. RON ROUSSEAUX Ron Rousseaux is a well-known, successful and respected Independent isencompassing the of Finance, the Today & Tomorrow with a background AdvisorRevenue Canada,team Private Industry, Technical Manulife Securities in Burlington. He of the few Certified Professional Consultant on Aging in M.C.I., T.E.P, C.P.C.A. Financial, Tax, Retirement and Estate Planner located Advisor, one How a $500,000.00 Estate went through Probate. Taxes need to be paid by the children and Investment Services encompassing Finance, Revenue Canada, Private Industry, Technical Securities is the Leader of the Today & TomorrowInc. team with a background Financial Advisor-Manulife Canada and ex-military (2 P.P.C.L.I) TOPICS -Today and encompassing Finance, Revenue Canada, Private Industry, 2019. Technical Manulife SecuritieswillPresident yet they receive no inheritance until Advisor, one ofTOPICS the few Certified Professional Consultant on Aging in Investment Services Inc. Tomorrow Financial Advisor, one of the few Certified Professional Consultant on Aging in Investment Services Inc. 1. The new RRIF Rules and how they affect those aged 71 to 94. You may not like them and how Canada ex-military Canadaand and why ex-military (2circumvent P.P.C.L.I) Inc. (2 P.P.C.L.I) Investments withandguarantees everyone should use them. We will discuss President -TodayPresident and Planning -Today and on Capital 1. The new RRIF Rules and how they affect those aged 71 to 94. You may not like them and how to legally them. Tomorrow Financial toThe legally them. the various types –Financial Why they are tax efficient – 2.Why they bypass Estate and andsetlast newcircumvent Estate and Probate rules and why yourProbate affairs are probably up incorrectly. Planning Inc. Tomorrow 2.3. The new Estate and Probate rules and why your affairs are probably set up incorrectly. How we like managed to have a 1.6 million dollar estate bypass not only Estate and Probate but but not least WhyInc. lawyers’ and some Executors3. doHow not them. COURTNEY ROUSSEAUX ROUSSEAUX Planning we JUSTIN managed to have a 1.6 million dollar estate bypass not only Estate and Probate but also Executor fees – Legal fees – Accounting fees and Trustee fees.
BA. E.P.C, C.P.C.A., C.E.A. COURTNEY ROUSSEAUXExecutive Assistant JUSTIN ROUSSEAUX Is it time to move your 401K from the BA. E.P.C, C.P.C.A., C.E.A. Executive Assistant
C.P.C.A. also Executor fees – Legal fees – Accounting fees and Trustee fees. 4. How toFinancial prevent using an expensive and taxable trust. Advisor USA to Canada and theanTax implications. 4. How to prevent using expensive and taxable trust. C.P.C.A. 5. How a $500,000.00 Estate went through Probate. Taxes need to be paid by the children and 5. How a $500,000.00 Estate went through Probate. Taxes needServices to be paid by the children and Financial Advisor Securities Inc. yet theyManulife will receive no inheritance untilInvestment 2019. yet they will receive no inheritance until 2019. Investmentswith with guarantees on Capital everyone should use them. will discuss Manulife Securities Investment Services Inc. 6.6. Investments guarantees on Capital and and why why everyone should use them. We willWe discuss the various types – Why they are tax efficient – Why they bypass Estate and Probate the Monday, various types – Why they are tax efficient 28th, – Why they2015 bypass Estate and Probate and lastand last September 2015 butnot notleast leastWhy Why lawyers’ some Executors dolike notthem. like them. but lawyers’ andand some Executors do not
SEMINAR COURTNEY ROUSSEAUX BA. E.P.C,26, C.P.C.A., C.E.A. Saturday, September Executive Assistant Art Gallery of Burlington TOPICS
TOPICS (Formerly known as Burlington Art Centre) 1. 2. 3.
DATES JUSTIN ROUSSEAUX
C.P.C.A. Financial Advisor Harbour Banquet Centre
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Manulife Investment 2340 OntarioSecurities Street, Oakville SEMINAR DATES SEMINAR DATES Services Inc. 1. The new RRIF Rules and how they affect thoseSaturday, aged 71 to 94. You may not like them and Monday, September 28th,how 2015 September 26,26, 2015 Monday, September 28th, 2015 September 2015 The new RRIF Rules and how they affectBurlington those aged 71 to 94. You may not like them and how Saturday, Blue Room 1333 Lakeshore Rd., to legally circumvent them. Harbour Banquet Centre Art Gallery of Burlington Harbour Banquet Centre Art Gallery of Burlington to legally circumvent them. Afternoon: 1:00pm 3:00pm 2340 Ontario Street, Oakville Fireside Room – 10:00am – 12:00pm (Formerly known as Burlington Art Centre) 2. The new Estate and Probate rules and why your affairs probably set up incorrectly. 2340 Ontario Street, Oakville (Formerly knownare as Burlington Art Centre) The new Estate and Probate rules and why your affairs are probably set up incorrectly. Blue Room 1333 Lakeshore Rd., Burlington How wea 1.6 managed to have 1.6 million dollar bypass not only Estate and Probate but Blue Room 1333 Lakeshore Rd., Burlington Evening: 7:00pm - 9:00pm How3.we managed to have million dollar estate bypass notaonly Estate and Probate but estate Afternoon: 1:00pm 3:00pm Fireside Room – 10:00am – 12:00pm Wednesday, September 2015 – Accounting fees Executor feesfees–30th, Legal fees. Afternoon: 1:00pm - 3:00pm Firesideand Room Trustee – 10:00am – 12:00pm also Executoralso fees – Legal fees – Accounting and Trusteefees fees. Evening: 7:00pm - 9:00pm Thursday, 1st, 2015 Wednesday, September 30th,October 2015 Evening: 7:00pm - 9:00pm 4.to prevent How toexpensive prevent using trust. Royal Botanical Gardens How using an and taxable trust.an expensive and taxable Wednesday, September 30th, 2015 Thursday, October 1st, 2015 Royal Botanical Gardens 5.a $500,000.00 HowEstate a $500,000.00 Taxes need toWinery be paid by the children and How went through Probate. Estate Taxes need went to be paidthrough by the childrenProbate. and Royal Botanical Casablanca Inn Thursday, October Casablanca Winery Inn 1st, 2015 680 Plains Rd. W., Burlington 680 Plains Rd. W.,Gardens Burlington yet they will receive no RRIF inheritance 2019. and yet will until receive no inheritance until 2019. The newthey Rules how they affect thoseCafé 71 to 94.Drive, You may not likeDrive, them and how Casablanca Winery Inn 4 Windward Grimsby 680aged Plains W., Burlington Annex 4 Rd. Windward Grimsby Café Annex Investments guarantees on Capital and why everyone should use We will discuss 4 Windward Drive, Grimsby 6. with Investments with guarantees onthem. Capital and why should use them. Reflections We will discuss Ballroom Caféeveryone Annex Afternoon: 1:00pm - 3:00pm to legally circumvent them. Reflections Ballroom the various types they are tax they bypass Probate and last –Evening: 1:00pm - 3:00pm Reflections Ballroom the– Why various types –– Why Why theyEstate areandtax efficient Why7:00pm they bypass Estate and Afternoon: Probate and last Afternoon: 1:00pm -efficient 3:00pm - 9:00pm Afternoon: 1:00pm - 3:00pm Evening: 7:00pm 9:00pm but not least Why lawyers’ and some Executors do not like them. Afternoon: 1:00pm - 3:00pm Afternoon: 1:00pm -set 3:00pm not least Why do not like them. The but new Estate and lawyers’ Probateand rulessome andExecutors why your affairs are probably up incorrectly. Evening: 7:00pm - 9:00pm Evening: 7:00pm - 9:00pm Evening:Planning 7:00pm -Inc. 9:00pm Toand reservethe your seat, Today & Tomorrow Financial at: Is ityourtime to the move your and 401K the USA to Canada Taxcallimplications. Is it7. time to move 401K from USA to Canada the Taxfrom implications. Evening: 7:00pm - 9:00pm
TOPICS 4. 5.
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How we managed to have a 1.6 million dollar estate bypass only Estate and Probate but 905-336-9941 or our tollnot free: 1-888-895-0696 or email sherryb@todaytomorrow.com To reserve your seat, call Today & Tomorrow Financial Planning Inc. at: SEMINAR DATES SEMINAR DATES 905-336-9941 or our toll free: 1-888-895-0696 or email To reserve your seat, Today& & Tomorrow Tormorrow Financial Planning Inc. at:Inc. To reserve seat, call Today Financial Planning at:sherryb@todaytomorrow.com also Executor fees –your Legal fees –call Accounting fees and Trustee fees. toll free: Monday, 1-888-895-0696 email: sherryb@todaytomorrow.com • wwwtodaytomorrow.com September 28th,•2015 Saturday,905-336-9941 September 26, 2015or ouror 905-336-9941 our toll free: 1-888-895-0696 or email sherryb@todaytomorrow.com Monday, September 28th, 2015 Saturday, September 26, 2015 4.Art GalleryHow to prevent using an expensive and taxable trust. Harbour Banquet Centre of Burlington Harbour Banquet Centre Art Gallery of Burlington 5.(Formerly How a $500,000.00 Estate went through Probate. Taxes need to be paid by the children and 2340 Ontario Street, Oakville known as Burlington Art Centre) 2340 Ontario Street, Oakville (Formerly known as Burlington Art Centre) Blue Room 1333 Lakeshore Rd., Burlington yet they will receive no inheritance until 2019. Blue Room 1333 Lakeshore Rd., Burlington Manulife1:00pm Securities Investment Services Inc. Afternoon: - 3:00pm Fireside Room – 10:00am – 12:00pm 6. Fireside Investments guarantees on Capital and whyLETeveryone should use3:00pm them. We will discuss 1:00pm Room with – 10:00am – 12:00pm USAfternoon: HELP YOU BUILD A CORRECT RETIREMENT,-TAX & ESTATE PLAN - “FULLY INDEPENDENT - BACKED BY STRENGTH” Evening: 7:00pm - 9:00pm MutualSeptember are 30th, offered through Manulife Securities Investment Services Inc. Insurance products and services are offered through Today and Tomorrow Financial Wednesday, 2015 thefunds various types – Why theyInc.are tax efficient – WhyEvening: they bypass and Probate and last 7:00pmEstate - 9:00pm Planning Inc. Manulife Securities Investment Services is a Member MFDA IPC. The Manulife Securities logo and the Block Design are trademarks of The Thursday, October 1st, 2015 Wednesday, 30th, 2015 Royal Manufacturers Botanical GardensLife InsuranceSeptember Company and are used by it, and by its affiliates under license. LET US HELP YOUWhy BUILD A CORRECTand RETIREMENT, TAX & ESTATE “FULLY INDEPENDENT BACKED BY STRENGTH” but not least lawyers’ some doPLAN not- like them. Thursday, October- 1st, 2015 Casablanca Winery Inn Executors 680 Plains Rd. W., Burlington Manulife Securities Investment Services Inc.
Mutual funds are offered through Manulife Securities Investment Services Inc. Insurance products and services are offered through Today and Tomorrow Financial Manulife Securities Investment Services Inc. Planning Inc. Manulife Securities Investment Services Inc. is a Member MFDA IPC. The Manulife Securities logo and the Block Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.
Mutual funds are offered through Manulife Securities Investment Services Inc. Insurance products and services are offered through Today and Tomorrow Financial Planning Inc. HELP Manulife Securities Services Inc. is a Member IPC. The Manulife Securities logo and the- Block Design trademarks of The LET US YOU BUILD Investment A CORRECT RETIREMENT, TAX &MFDA ESTATE PLAN - “FULLY INDEPENDENT BACKED BYare STRENGTH” Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.
Mutual funds are offered through Manulife Securities Investment Services Inc. Insurance products and services are offered through Today and Tomorrow Financial Planning Inc. Manulife Securities Investment Services Inc. is a Member MFDA IPC. The Manulife Securities log and the Black Design are trademark of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.
Royal Botanical Gardens
LET US HELP YOU BUILD A CORRECT RETIREMENT, - “FULLY INDEPENDENT - BACKED BY STRENGTH” Casablanca Winery Inn 4 Windward Drive, Grimsby TAX & ESTATE PLAN Café Annex 680 Plains Rd. W., Burlington
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Is it time to move your 401K from the USA to Canada and the Tax implications.