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Expecting more from retirement? Plan on it.

Your idea of an ideal retirement is as individual as you are. Today, more people are maintaining their current lifestyle well into their retirement years. Modern retirement is active, engaging and independent.

As a result, one of the goals of your retirement plan should be to make your money last at least as long as you do. Planning and investing during your working years will help ensure that you will be able to live comfortably in retirement.

The ability to choose how you spend your retirement years often lies in creating and following a sound retirement plan.

Your retirement advantage
A Registered Retirement Savings Plan (RRSP) is one of the most powerful and beneficial financial tools to help you realize your retirement dreams. Registered with the Canadian federal government, an RRSP lets you save money by earning income on a tax-deferred basis until retirement. Plus, the contributions made to your RRSP are tax deductible up to certain prescribed limits, so they can help reduce the amount of income tax payable.

Swing into your RRSP contest
We can show you how an RRSP can work for your retirement plan. Our financial services representative can help you get financially organized with LifeTrax™. And by just meeting with our financial services representative, you will be entered in to our Swing into your RRSP* contest. Ski, swim, golf or take it all in at your leisure at the premier Tremblant resort.

Benefits of an RRSP
Tax deductible contributions: An RRSP can help lower your taxable income and lower the income tax you have to pay for the year. (The maximum contribution limit is 18% of your previous year's earned income, up to a maximum of $15,500 in 2004.)*

Tax deferral on investment earnings and income: The money you accumulate in your RRSP is tax-deferred until it is withdrawn. This can have a significant effect on the amount you have at retirement.

Tax deferred options at retirement: At retirement, you can transfer your accumulated RRSP into any of the RRSP maturity options, such as a Registered Retirement Income Fund (RRIF), where your investments continue to grow, tax-free, until you withdraw them.

Plan for your future today
Whatever your retirement goals are, the key to reaching them lies in starting early, contributing and investing regularly as well as making sure that you use up any unused contribution room**. Our Financial Services Representative can show you how with a retirement plan that can turn your retirement expectations into reality.

Call us today for more details on how we can help. Or e-mail us and we will respond to you within within 24 hours during our business hours.

* Source: Canada Revenue Agency (CRA)
** See your Notice of Assessment from Canada Revenue Agency (CRA) for the total allowable contributions you can carry forward.

*No purchase required. Participants must be of legal age. Contest ends March 1st 2004. Approximate prize value: $1,000. Draw will be held March 18, 2004. Contest open to Quebec residents only. Limit one entry per person. Complete contest rules are available by phoning 1 877 777-8649, x 2167.

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