Rotary
is an organization of business and professional leaders united
worldwide who provide humanitarian service, encourage high ethical
standards in all vocations, and help build goodwill and peace in the
world.
Sandra Stewart is actively involved in chartering the Rotary Club of
Springwater Township. The Rotary Club of Springwater Township is a
vibrant group of dedicated professional men and women all keen to serve
their community and contribute to addressing humanitarian issues. This club is newly formed and are actively seeking new membership.
The Rotary Theme: “The future of Rotary is in your hands” – identifies
the need for responsibility, participation, and accountability needed
from each member.
Club meetings are conveniently held at the new Springwater
Township Office – 2231 Nursery Rd., in Midhurst, on Wednesday
afternoons starting at 5:15 pm. We welcome you to attend anytime! (www.springwaterrotary.com)
MAINTAINING YOUR LIFESTYLE
A time will dome due to age or an illness, when you will need help to perform the routine activities of daily living. . .who will help with your care?
In a 2007 survey by Market Probe Canada, over 1,000 Canadians aged 35-75, revealed these fears about aging:
- Deteriorating physical health – 67%
- Loss of independence – 66%
- Requiring care facility – 55%
- Deteriorating mental health – 53%
- Running out of money – 53%
- Being a burden to family – 51%
Source: Manulife Canada
Loss of independence, a new financial reality you and your family need to plan for. Have you selected a place to live and receive care?
Now. . . how will you finance
your decision?
The costs for long-term care, whether in your home or in a facility, can be high. How would you pay for the care your need; the quality of care you deserve?
Have you considered Long-Term Care Insurance coverage? Long-term care is an integral part of retirement planning.
You, your spouse and your loved ones deserve the peace of mind of a retirement free from financial worry with Long-Term Care Insurance.
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RETIREMENT:
DO YOU KNOW THE RISK?
Retirement
-- the goal many of us spend our lifetimes planning for and saving
towards. Yet to ensure your comfort, security and the realization of
your dreams, vital and important steps must be taken. As you move into this stage of your life, you will also face a new set of risks:
Stewart Financial Services can help you:
- Choose the investment strategies best suited to your investment profile.
- Preserve or grow your net worth through effective debt management.
- Plan a major purchase or fund the education of your children and grandchildren.
- Provide you with turnkey investment solutions, drawing on the partnered expertise of seasoned portfolio managers.
No matter what your needs are, Stewart Financial Services can offer you value added solutions to help you plan for your future while protecting your risks.
- Retirement Planning and Income Solutions
• Charitable Giving and Succession Planning
- Tax Sheltering Solutions
• Life, Critical Illness and Disability Insurance
- Long-Term Care and Health Insurance
At Stewart Financial Services,
our goal is to provide you with comprehensive service and the best
possible advice through at all stages of your financial life, to help
you protect and attain your financial goals.
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THE BUSINESS CENTRE
Business Succession Planning
is simply the process of determining how you are going to transfer your
business ownership and transition out of a business management role,
while maximizing your personal financial security.
It is difficult enough planning for the foreseeable events in life, let alone the ones you do not expect.
But a proper Business Succession Plan will address potential risks that could impact you and your business, even the ones your do not anticipate.
The
average business owner or partner will probably spend more than 25% of
his or her day planning for the short term: how much inventory to
order, credit requirements, or how to increase sales.
But
statistics show that the same business owner or partner will spend no
more than four hours per year planning for the eventual transfer of his
or her business interests upon death, disability, or retirement, even
though such interests might make up the major portion of his or her net
worth.
When it is possible to structure
your own Business Succession Plan, professional advice can be
invaluable, and is essential if you anticipate that your business will
have a market value based on something other than your personal skills
and goodwill when you retire.
The team members you choose to help plan your Business Succession Plan
will depend upon the size and complexity of your business, its stage in
the business life cycle, and your personal career stage.
SPEAKER'S CORNER |
| Sandra would like to introduce you to her colleague, Jacquie Skinner.
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Jacquie is a Certified Financial Planner with extensive experience in
financial
planning (retirement,
preparation for retirement,
income and estate planning).
Jacquie’s clients appreciate the well constructed and carefully
considered plans and service that she provides.
Our teams will combine their expertise to better serve our clients.
If you are interested in taking your retirement or estate planning to a
higher professional level, please contact either Sandra at 705-719-3930
or by email sandra@sandrastewartfinancial.com or Jacquie at
705-527-6705 or by email at Jacquie@premierfps.com.
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