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Lesson 1: Funding Retirement

  • Retirement Income needs Analysis

    • Steps in Retirement Income needs Analysis
    • Financial Security in Retirement
    • Strategies for Lifelong Income

  • Methods used to Fund Retirement from an RRSP

    • Transfer RRSP Proceeds to a Registered Retirement Income Fund (RRIF)
    • Use the Proceeds to Purchase an Annuity
    • Withdraw all RRSP Proceeds as a Lump-Sum Payment
    • Retirement Funding Considerations
    • Locked-In Retirement Accounts and Locked-In RRSPs
    • Employer Pension Plans

  • Government Benefits

    • CPP/QPP Retirement Benefits
    • Old Age Security Program
    • Taxation of OAS Benefits and the Pension Clawback
    • Strategies to Help Clients Keep More of their OAS

Lesson 2: Income Producing Investments

  • Understanding Annuities

    • Types of Annuities

  • Segregated Funds

    • Structure of Segregated Funds
    • Segregated Fund Features
    • Taxation of Segregated Funds
    • Segregated Funds Compared to Mutual Funds

  • Guaranteed Minimum Withdrawal Benefit Contracts

    • Guarantees on a GMWB
    • Additional Benefits of a GMWB

  • Guaranteed Investment Certificates

    • Benefits and Risks of GICS

  • Fixed Income Risks and Strategies

    • Risks of Fixed Income Investments
    • Strategies
    • Real Return Bonds

  • Equities

  • Monetization Strategies

    • Strategies to Generate Income using the Home