Applicable dealer information

Is provided by Investors Group Financial Services Inc. (In Quebec, a financial services firm).

Is presented as a general source of information only, and is not intended as a solicitation to buy or sell investments, nor is it intended to provide professional advice including, without limitation, investment, financial, legal, accounting or tax advice. For more information on this topic or on any other investment or financial matters, please contact me, Turenne Joseph, consultant at Investors Group.

Although we have tried to ensure the accuracy of this information, tax laws change frequently so the provisions and exemptions mentioned in this presentation may change.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual Funds are not guaranteed, their values change frequently and past performance may not be repeated.

The Canada Education Savings Grant and Canada Learning Bond are sponsored by Human Resources and Social Development Canada. Eligibility for the Canada Learning Bond is dependent upon family income levels and province of residence.

Insurance products and services distributed through I.G. Insurance Services Inc. (in Quebec, a Financial Services Firm). Insurance license sponsored by The Great-West Life Assurance Company (outside of Quebec).

™ Trademark owned by IGM Financial Inc. and licensed to its subsidiary corporations.

Turenne Joseph Financial Security Advisor, Mutual Funds Representative Licensed in Québec, Ontario and British Columbia Investors Group Financial Services Inc. (in Québec, a financial services firm.)turenne.joseph@investorsgroup.com

1. Financial issues unique to women

2. Building wealth

3. Protecting you, your wealth and the people you care about

4. Living off of your wealth

5. Your legacy

6. The plan for your success

1.1.

2006 Canada Census:

◦ Women’s life expectancy currently 4.8 years longer than men.

◦ 75% of men over 80 have a spouse or partner

◦ 66% of those men live with their spouse or partner.

◦ Only 45% of women over 80 have a spouse or partner and only 22% of those women live with their spouse.

Maternity leave (short term)

Stay-at-home parenting (long term)

Caring for aging parents and/or disabled spouse

Potential impacts Reduced income and investments

Shorter time frame for investment growth

Lower employer and/or CPP contributions and RSP contribution limits

Slower career advancement and salary progression

The absence of a second income or someone else to depend on creates additional considerations:

Establishing a financial safety-net or emergency fund

Protecting your income and assets with appropriate insurance

Prepare a notarized Power of Attorney and/or Health Care Directive

Keep a personal credit card

Maintain your credit rating

Create your independent retirement plan

Consider reviewing legal matters with your own lawyer

Talk about finances : disclosing all assets and liabilities creates a clear picture of where you’re headed.

Record value of major assets

Consult a lawyer

Consider signing a domestic contract

Make sure to protect children from previous relationships

Speak to a family lawyer

Call me

Recognize common-law rules

Act quickly to satisfy time limits

Update your personal insurance plan

2.2.

Pay yourself first

The power of compound growth

Dollar cost averaging

Asset allocation as a critical ingredient

Tax saving opportunities

Long term view

Envision your goal

Determine how much you need to achieve it

Treat required savings as a fixed, non discretionary expense

$0

$50 000

$100 000

$150 000

$200 000

$250 000

$300 000

30 35 40 45 50 55 60

Your Age

Port

folio V

alue

Start todayStart in 10 YearsStart in 20 years

Value at age 60: $285,000

Value at age 60: $115,000

Value at age 60: $36,250

$200 per month invested at 8% rate of return$200 per month invested at 8% rate of return

Long-term portfolio performance is most

influenced byasset allocation

and less influenced by

market timing and stock selection

Source: Brinson, Singer, Beebower Study;Financial Analysts Journal, Feb. 91

More than 90% of a portfolio’s variability

depends on asset mix

Market Timing

2.1%

Other Factors

1.8%

Stock Selection

4.6% Asset Allocation

91.5%

Interest vs. Dividends vs. Capital Gains

Maximize tax deductions

Take full advantage of tax credits

Capitalize on tax deferred growth

Understand tax advantaged investing options and where they fit in your plan

19

8 000

1 000 000

10 000

20 000

30 000

40 00050 00060 000

80 000100 000

200 000

300 000

400 000500 000600 000

800 000

1956 20041960 1965 1970 1975 1980 1985 1990 1995 2000

Markets Are Unpredictable

Black Black MondayMonday

Asian Asian Currency Currency

CrisisCrisisTech Bubble Tech Bubble

BurstsBursts

Arab Oil Arab Oil EmbargoEmbargo

Gulf Gulf WarWar

VietnamVietnamWarWar

Interest Interest rates peak rates peak

at 21%at 21%

Gold $875 Gold $875 US / ozUS / oz

Ind

ex V

alu

es (

CA

D)

Ind

ex V

alu

es (

CA

D)

1. What is your goal?

2. How much will you need?

3. How much time do you have?

4. How much risk are you willing to take?

YourYourAsset AllocationAsset Allocation

YourYourAsset AllocationAsset Allocation

“Your Personal”Your Personal”Required Rate of ReturnRequired Rate of Return

“Your Personal”Your Personal”Required Rate of ReturnRequired Rate of Return

Your InvestmentYour InvestmentPlanPlan

Your InvestmentYour InvestmentPlanPlan

++++

It’s about It’s about youyou

3.3.

Lotto 6/49 draw 1 in 14 million

Disability of 90 days before age 65 1 in 3

Heart disease 1 in 3 women

Cancer ASXZ 1 in 2.6 women

Breast cancer 1 in 9 women

Critical Illness 1 in 5 women

Source: Heart and Stroke Foundation, 2004

Multiple Sclerosis Society of Canada, 2004

National Cancer Institute of Canada: Canadian Cancer Statistics 2004

Current & Ongoing Expenses

Mortgage/rent

Food, clothing

Transportation

Childcare/education

Recreation

Retirement Planning

Emergencies

New Additional Expenses

Medical bills

Child care

Rehabilitation

Counseling

Home remodeling

Career retraining

DisabilityDisability

Life Insurance Life Insurance

Critical IllnessCritical Illness

Long Term CareLong Term Care

4.4.

Multiple income sources require planning

Personal savings: RRSP/RRIF TFSA Non-registered

investments Etc…

Other: Part-time

employment Home equity Etc…

Government: CPP QPP OAS Etc…

Understanding your sources of income:

Employer sponsored: Employer pension

plan Group RSP Deferred profit

sharing

Registered Retirement Savings Plan (RRSP)

◦ Must convert by end of year of 71st birthday

◦ Two options:

Registered Retirement Income Fund (RRIF)

Annuity

TFSA

◦ Contributions of $5,000 (indexed) per year allowed

◦ Tax-free withdrawals

◦ Great for sheltering income from tax

Non-Registered Investment

◦ Option once contribution room has been maxed-out

◦ Used as an emergency fund

Canada Pension Plan & Québec Pension Plan ◦ Provides monthly income

◦ Entitlement based on past contributions and length of contribution period

◦ Must apply in order to begin receiving payments

Old Age Security (OAS)◦ Provides monthly income

◦ Income tested benefit – beware of the clawback!

◦ Must apply in order to begin receiving payments

Pension Plans: ◦ Defined Benefit pension plan ◦ Defined Contribution pension plan

Group RRSP

Deferred Profit Sharing Plans

Post retirement employment◦ Postpone or reduce withdrawals from your

retirement funds◦ 23% of Canadians do paid work during

retirement*

Home Equity◦ Downsizing to a smaller house◦ No taxes on capital gains if house is designated

as principal residence◦ Equity take-out to pay for expenses

Source: Investors Group News Release, January 3, 2007

Inform Services Canada that you are eligible for the Child-Rearing Dropout Provision when applying for Canada Pension Plan benefits.

May increase your CPP benefit by excluding periods when your income either stopped or was lower – from the final calculation.

RRIF Annuity Employer

sponsored programs

CPP/QPP OAS TFSA Non-reg

Retirement PaychequeTM

5.5.

Contact your lawyer to determine rights to the estate

Work with the executor to help settle the affairs

Apply for survivor benefits from pension

Call me

Is your estate plan in order?

◦ Do the right people know where to find important documents? (wills, insurance contracts)

◦ Will they know who to contact in case of emergency?

◦ Do they have the phone number for your estate planning lawyer? Financial planner?

Have you appointed an executor?

Have you discussed funeral plans or recorded them?

Your wishes may not be met

Someone, not of your choosing, may be appointed to administer your estate

Taxes payable by your estate or heirs may be higher

Your assets may be ‘frozen’ for a much longer period of time

Naming of an executor

Guardian for minor children

Care for dependants

Wishes for division and distribution of assets

Wishes in the event a beneficiary predeceases you

Someone named to administer your estate

May choose a family member or trusted friend

Could choose a professional executor

Consider someone who:◦ has adequate level of maturity, hopefully will outlive you

◦ is trustworthy and willing to accept the responsibility

◦ has a clear understanding of your wishes

◦ has knowledge/expertise to administer your affairs if they are complex

Large inheritance?

Provide for a dependant who is disabled?

Transfer a business?

Minimize tax?

Charitable gifts?

Multiple option to preserve and protect your estate◦ Beneficiary designations◦ Joint ownership◦ Charitable Giving ◦ Insurance

◦ Trusts

Strategies need to be implemented within the context of your plan

Assess the big picture before implementing strategies

6.6.

57.2% of women are employed versus 68% of men*

Women are less likely than men to be insured**

Many do not feel confident with their investment, retirement or estate plans

Most do not meet regularly with a financial planner?

* Statistics Canada, Labour Force Survey

** LIMRA International’s report on Canadian Women and Life Insurance – 2006 Ownership Study

We ask the right questions:

Are your investments suitable for your goals?

Can you pay less tax?

Will you have the income you need to retire and do the things you want to do?

Can you retire when you want to?

Do you have the right amount and types of insurance?

Will your estate transfer efficiently and tax-effectively?

Do you have control over your income?

We create your realistic planWe manage your investments with a long-term

perspective designed to complement your comfort for risk, goals for growth and objectives of your plan

We are there to help you implement your plan on a systematic basis :

Responding to changes in your personal and financial situation

Reviewing your overall financial picture regularly

Adjusting the allocation of your assets if needed

Turenne JosephTel. Office :    (514) 350-8750 ext. 8815Toll Free : 1 (866) 688-8750Fax :   (514) 350-8752Email :  turenne.joseph@investorsgroup.com

 Financial Security Advisor

Mutual Funds RepresentativeLicensed in Québec, Ontario and British Columbia

Investors Group Financial Services, a Financial Services Firm 

2001 Universty, Suite 1620  Montreal QC H3A 2A6

…Maximize your possibilities and financial freedom……Maximize your possibilities and financial freedom…