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- 2. os wer Financial Corporation lish MONTRAL TORONTO DUBLIN HONG KONG WINNIPEG
- 3. Strength and stability 3 Canadian pioneer in financial services since 1926 3 Serves approximately one million Canadians 3 More than 400 offices from coast to coast 3 A member of the Power Financial Corporation group of companies 3 Investors Group Inc. is a wholly owned subsidiary of IGM Financial Inc., and is one of the countrys largest managers and distributors of mutual funds and other managed asset products with over $132 billion in total assets under managementi 3 IGM Financial Inc. is the sixth largest publicly traded global asset manager by market capitalizationii i Assets under management figure as at January 31, 2014 ii Market Capitalization figure as at December 31, 2013
- 4. Complete financial services for individuals and corporations Short-term 3 Chequing 3 Savings 3 Credit cards Lending 3 Mortgages 3 Loans 3 Lines of credit Income protection 3 Life insurance 3 Accident/sickness 3 Critical illness 3 Long-term care 3 Health and dental 3 Group insurance Products & plans 3 Mutual funds 3 RRSPs 3 RESPs 3 RDSPs 3 Tax-Free Savings Accounts (TFSAs) 3 GICs 3 Annuities 3 Registered Retirement Income Funds (RRIFs) 3 Guaranteed Investment Funds (GIFs) 3 Tax-advantaged funds 3 Individual pension plans 3 Group retirement services 3 Brokerage services through Investors Group Securities Inc. 3 Investors Group Charitable Giving Program
- 5. World-class relationships As of July 2013 **
- 6. Most Canadians face financial challenges 3 Low retirement income 87% of Canadian boomers feel they are not fully prepared for retirement 36% of surveyed boomers said that if they could go back and do it again, they would start saving for retirement earlier.* Source: PMG Intelligence Canadian Boomers and the New Retirement 2009 Statistics shown represent responses from survey participants aged 45 to 70 who indicated they were not yet retired to the following question: Thinking of everything about the time of life called retirement, including social, health, financial, recreational and other issues, how ready are you for retirement? * Investors Groups When Im 65 Poll, Oct/Nov 2010, online survey conducted by Harris/Decima 13% Extremely ready 34% Somewhat ready 32% Not sure 12% Not particularly ready 9% Not at all ready
- 7. 3 Providing for family members 2 in10 boomers are concerned about saving for expenses related to aging parents, as well as looking after their own needsi 3 Paying too much tax 42% of Canadians surveyed agree that reducing the amount of taxes they pay is an important immediate financial goali 3 Protecting yourself and your loved ones just over one in four of todays 20-year-olds will become disabled before they retireii 3 Managing personal balance sheet one in three Canadians with debt admit to losing sleep over their debt loadiii 3 Choosing the right advice and best financial vehicles households without an advisor have less investable assets are less likely to take advantage of RRSPs and TFSAsiv i Ipsos Reid, Canadians & Financial Advice, February 2013 ii Council for Disability Awareness, 2013 iii Investors Groups Gain and pain poll, April/May 2011, online survey conducted by Harris/Decima iv Ipsos Reid Canadian Financial Monitor, special analysis for IFIC, 2010
- 8. The value of advice Household age 45 and under 65 and over45 54 55 64 no advice Age of head of household (2009) Averageinvestableassets $272,761 $66,064$46,462$51,649$24,787 $246,752$140,155$79,074 3.2x 2.7x 5.3x 4.1x with advice Source: Ipsos Reid Canadian Financial Monitor, special analysis for IFIC, 2010
- 9. Household income $35,000 足 $54,999 $100,000 or more$55,000 $69,999 $70,000 $99,999 no advice Household income (2009) Averageinvestableassets $214,587 $138,358$44,103$29,119$27,104 $164,542$197,273$125,348 4.6x 6.8x 3.7x 1.6x with advice Source: Ipsos Reid Canadian Financial Monitor, special analysis for IFIC, 2010 National data shows that Canadians at any age and income level can benefit from having a financial advisor.
- 10. Keeping up takes time 3 Increasing rate of change 3 Financial services are complex 3 Government legislated changes 3 Career and personal demands take priority No one has taken the time to explain, in understandable terms, how to pull everything together!
- 11. We take the time 3 Our purpose is to discover analyze explain advise solve financial problems
- 12. 3 Recognizes individual differences 3 Is co-ordinated and flexible 3 Provides a personal financial program 3 Faces realities and finds opportunities OUROur approach is unique...
- 13. 3 We know that financial independence is: different things to different people getting the things you want doing the things you enjoy based on your lifestyle APPROACHrecognizes individual differences
- 14. Short-term reserve Planning for emergencies and opportunities Developing a financial reserve Income & asset protection For you and your dependants in case of: Premature death Disability, critical illness Long-term care Moderate-term goals Educate my children Purchase a home/cottage Leisure activities Longer-term goals Financial independence Retire comfortably Preserve my estate The Investors Four Cornerstones Philosophy is the foundation for financial independence. * Six disciplines of financial planning Insurance planning* Estate planning* Investment planning* Tax planning* Retirement planning* Cash management* Education planning OURis co-ordinated and flexible
- 15. 3 Helping you set financial goals 3 Taking advantage of tax-saving opportunities 3 Ensuring your investments reflect your personal financial goals Financial independence depends on you not the company, government, relatives or friends! A part of all you earn is yours to keep. APPROACHprovides a personal financial program
- 16. 3 Planned events going to post-secondary school getting your first job getting married buying a home raising a family starting a business changing careers saving for retirement selling a business living in retirement planning your estate OUR Throughout their lifetime, everyone can benefit from financial planning. faces realities and finds opportunities
- 17. 3 Unplanned events losing a job divorce receiving an inheritance winning a lottery accident or illness caring for a loved one death of a loved one APPROACH
- 18. Professional and personal service Through the region office Securities Mortgage and banking Insurance 3 Access to a team of specialists Through head office Retirement planning Estate planning Tax planning Risk management Investment planning Product support Client administration services and support Technology support
- 19. 3 We establish and maintain continuity of personal service by providing a realistic financial plan regular review and update Your net worth is a snapshot of your current financial position. It is also a benchmark from which you can measure progress towards your financial goals. Your net worth consists of the difference between the assets that you own (such as your home and investments) and your liabilities (such as mortgages, loans and other debt). Based on the information you have provided, you currently have a net worth of $1,075,000. Your current cash flow position compares your income with your expenses. Based on the information you have provided, you are expected to have a cash flow surplus of $26,255 at the end of 2010. wolFhsaC htroWteN Assets Liabilities Net Worth Incomes Outflows Surplus Net Worth Registered Assets* $520,000 Non-Registered Assets $170,000 Lifestyle Assets $600,000 Total Assets $1,290,000 Liabilities ($215,000) Net Worth $1,075,000 * TFSAs are included in Registered Assets Cash Flow Income $214,797 Lifestyle Expenses $104,756 Savings $21,181 Estimated Taxes $62,605 Annual Surplus $26,255 Monthly Surplus $2,188 Your personal plan makes it easy to know where you stand plan to reach your goals stay on track
- 20. Investment products and services are offered through Investors Group Financial Services Inc. (in Qu辿bec, a Financial Service Firm) and Investors Group Securities Inc. (in Qu辿bec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. GICs issued by Investors Group Trust Co Ltd., and/or other non-affiliated GIC issuers. Insurance products and services distributed through I.G. Insurance Services Inc. (in Qu辿bec, a Financial Services Firm). Insurance license sponsored by The Great-West Life Assurance Company (outside of Qu辿bec). Investors Group Trust Co. Ltd. is a federally regulated trust company and the mortgagee. Mortgages are offered through I.G. Investment Management, Ltd.* Inquiries will be referred to a Mortgage Planning (Agent) Specialist. *In the Province of Ontario, Mortgage Brokerage Licence #10809, Mortgage Administrator Licence #11256. The Canada Disability Savings Grant and the Canada Disability Savings Bond are provided by the Government of Canada. Eligibility depends on family income levels. The Investors Group Charitable Giving Program is offered together with the Strategic Charitable Giving Foundation, which operates independently from Investors Group. Donations are irrevocable and vest with the Foundation. This information is general in nature and not intended to be professional tax advice. Please read the Program Guide for complete details, including fees and expenses. Commissions, fees and expenses may be associated with mutual fund investments and the use of Symphony Strategic Investment Planning. Read the prospectus and speak to an Investors Group Consultant before investing. Mutual funds are not guaranteed, values change frequently and past performance may not be repeated. Symphony is an asset allocation service which provides a strategic approach to investment planning relating only to Investors Group mutual funds. Trademarks of financial partners appear with their specific approval. Banking products and services are distributed through Solutions Banking. Solutions Banking products and services are provided by National Bank of Canada. Solutions Banking is a trademark of Power Financial Corporation. Investors Group and design are trademarks owned by IGM Financial Inc. and licensed to its subsidiary corporations. National Bank of Canada is a licensed user of these trademarks. Trademark owned by IGM Financial Inc. and licensed to its subsidiary corporations. C3146 (09/2013-PW)