Your Wealth Advisor - Canada

• What you absolutely need to know. www.yourwealthadvisor.ca/zonestrategy.htm A Fresh Look

• Jim Otar and Jon Chevreau (Video) www.financialpost.com/video/index.html?category=Financial+Post&video=RObKVuR0GaESkSoT8BziQ95kF2EniNzh Myths of retirement CFP Jim Otar talks about his new book exposing myths of retirement

• Good to Go? www.nationalpost.com/story.html?id=1918586 Jim Otar & Jon Chevreau discuss retirement myths.

• Get in the Zone www.yourwealthadvisor.ca/apps/webstore/products/show/779199 What Zone are you in?

• Wake-up call for Boomers www.nationalpost.com/story-printer.html?id=1917240 Jim Otar with Jon Chevreau, Financial Post Wake-up call for Boomers Jonathan Chevreau, Financial Post

• Unveiling the Retirement Myth with Jon Chevreau network.nationalpost.com/np/blogs/wealthyboomer/archive/2009/08/25/unveiling-the-retirement-myth-jim-otar-can-t-cope-with-downloads-of-his-controversial-new-book.aspx Unveiling the Retirement Myth: Author of a 525 page book on distribution-phase income planning, Jim Otar can barely cope with deluge of downloads of his controversial new book.

• Offloading Risk to Insurance Companies (Video) www.financialpost.com/video/index.html?category=Financial+Post&video=IA1nh9__uHgdiLt8mYwYazBjdJAMlKDS Jon Chevreau & author Jim Otar on why retirees need to offload risk to insurance companies

The foundation of a sound retirement income plan.

• Sustainable Income www.retirementsolutionscentre.ca/en/product-allocation/who-is-income-wealthier.html It isn't the investor with the most money who necessarily will have the most sustainable retirement nest egg. This illustrated case study will show some surprising results when we compare two very different financial scenarios and their ability to sustain their owners

• Part 2 www.retirementsolutionscentre.ca/en/Home/white_paper.html

• Challenges www.retirementsolutionscentre.ca/en/Retirement_Challenges/retirement_challenges.html The following challenges, unique to retirees, can determine financial success or failure in retirement establish whether or not an investor will be confident with their retirement plan Product Allocation

• Longevity risk www.retirementsolutionscentre.ca/en/opportunity/longevity.html Compared to previous generations, both male and female Canadians can expect to live longer, healthier lives. However, a longer life expectancy means extending the timeframe of retirement. Investors must plan for retirement income to last well into their 90s, otherwise they risk outliving their savings.

• Sequence of Return Risk www.retirementsolutionscentre.ca/en/Retirement_Challenges/volatility.html During retirement, the interplay between an investor's rate of withdrawal and the order or sequence that they receive their market returns can have a dramatic impact on their portfolio's ability to last. Poor returns early in retirement can spell financial disaster because the investment may not have the time required to fully recover.

• Retirement Risk Zone www.retirementsolutionscentre.ca/en/products/retirement-risks.html During retirement, the interplay between an investor's rate of withdrawal and the order or sequence that they receive their market returns can have a dramatic impact on their portfolio's ability to last. Poor returns early in retirement can spell financial disaster because the investment may not have the time required to fully recover.

• Market Volatility www.retirementsolutionscentre.ca/en/opportunity/market-volatility.html Market Volatility

• You don't have a pension, then buy one! www.retirementsolutionscentre.ca/en/ProductAllocation/immediate_annuity.html Notice: I specifically do not endorse any GMWB product from any company. The product needs mork work and better features

• You need to manage your Wealth differently in retirement. www.retirementsolutionscentre.ca/en/ProductAllocation/asset_allocation_limits_.html Notice: I specifically do not endorse any GMWB product from any company. The product needs mork work and better features

• What's Your RSQ - Retirement Sustainability Quotient www.retirementsolutionscentre.ca/en/product-allocation/rsq.html

• Asset Allocation vs Product Allocation www.retirementsolutionscentre.ca/en/product-allocation/asset-vs-pa.html Notice: I specifically do not endorse any GMWB product from any company. The product needs mork work and better features

• Product Allocation - Protecting you, from yourself www.retirementsolutionscentre.ca/en/ProductAllocation/gpa2_.html

• A Systematic Withdrawal Plan (SWP) is not enough. www.retirementsolutionscentre.ca/en/ProductAllocation/swp.html

• Try Your Luck. Spin the wheel and see for yourself. www.retirementsolutionscentre.ca/en/PlanningTools/sor.html Sequence of Returns During the Retirement Risk Zone. The sequence of market returns impacts how long your retirement income will last. See for yourself!

• Retirement Preferences www.retirementsolutionscentre.ca/en/opportunity/retirement-preferences.html Your personal preferences with respect to liquidity, wealth transfer and most importantly your preference with respect to simplicity all are important. Within the realm of retirement planning, an investor's behavioral responses to market conditions, for example, moving in and out of the market, can greatly impact the success of a plan. In addition, a retiree may not wish to be actively involved in the market and may seek products that require less maintenance.

• Income Annuities www.retirementsolutionscentre.ca/en/products/annuities-intro.html Annuities

• Joint Life Annuities www.retirementsolutionscentre.ca/en/products/joint.html Joint Life Annuities

• Single Life Annuities www.retirementsolutionscentre.ca/en/products/single-life.html Single Life Annuities