supporting instant news and new patterns of working or
studying from home; also water treatment, and much more.
Some are government regulated to guarantee fixed and
increasing payments for years to come. Others pay more
as the economy grows and traffic increases. Learn more:
Infrastructure Income.
Fixed Income focuses on bonds issued in Canada and
abroad, by federal and lower levels of government, and also
corporate bonds and loans. If you recall when interest rates
were 15%, they’re now mostly below 1%. This completely
changes the math of money as we age. Investing in fixed
income alone could force savings to be exhausted in only a few
years. This is why pension funds and prudent investors rely
on major benefits of dividends, real estate and infrastructure
income, to enjoy life with less risk and higher returns. Learn
more: Fixed Income.
Life Pay-Out Annuities are an insurance company’s
guarantee of a set income for life. People may find the
greatest advantages starting these contract(s) between age 70
and 80. An expensive option is indexing to increase payments
annually – it seems a steep price-tag if your opening income
drops by half. Instead of that, using the other four keys we’re
discussing can assure more generous and flexible income when
you need it. See Life Annuities.
Buying a house?
Refinancing?
Self-Employed?
Renewing?
Let’s Talk!
[email protected]
www.ginamonaco.com
289-456-4617
FSCO #10315
PLUS: in addition to the five keys or mandates above, we
want to include specific high-conviction equity investments
to increase long-term growth. Doing this reduces future risks
and smooths your financial life journey, because the highgrowth
basket at times will funnel its surplus into the fixed
income basket when it is diminished by your regular spending.
PUTTING IT TOGETHER.
Earlier I promised to share what John, similar to Trudy, gave
me twenty-five years ago. Unrelated and in different cities,
the stresses of money and aging had hit both of these homes.
John was selling their spacious house and gardens because
at 70 it was too much work, and his wife’s illness required
ongoing care and major expense.
He told me that after selling their beautiful home, they
would have to die in three years as the money would be gone.
I was not yet in financial service and I had no answers for
him at that time. These stories of Trudy and of John and
his wife ignited my search for answers which could protect
people as they age, and permit them to live fuller and more
abundant lives.
Confidence instead of concern,
wealth instead of worry,
safety of a secure income
for life.
How much safer is our money when we combine these
ingredients for Life Income and lasting peace of mind? Well
to be sure, we’ve never seen anyone run out of money when
the plan has been put together in this manner.
Fixed income along with government pensions and life
annuities, provide a safe base for monthly income. Added to
those are additional inflows from dividends, real estate, and
infrastructure which tend to rise significantly through the
years. And since everyone would like “a little more please”
there is the “plus” for specific holdings to just grow for now,
and add more safety for your future spending when personal
comfort and expenses will cost more.•
Brian Weatherdon of Sovereign Wealth Management Inc.,
is a Certified Financial Advisor, Retirement Coach, and consultant on
wealth and aging. 905-637-3500 [email protected]
The information provided is general in nature, and should not be relied
upon as a substitute for advice in any specific situation requiring appropriate
legal, accounting, tax and other professional guidance. The views expressed
are those of the author and not necessarily those of the issuer of any financial
products for which the author may act as a distributor. Any names and/
or circumstances mentioned above are altered for confidentiality.
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