Expertise & Excellence
QUESTIONS & ANSWERS
Q. WHAT ARE GUARANTEED INVESTMENTS?
A. A new asset class that you cannot afford to ignore. Conservative, safe, tax-advantaged, it is designed to maximize your money during your working years, throughout your retirement and beyond.
Q. WHAT IS GUARANTEED LIFETIME INCOME?
A. Income that you receive for the rest of your life no matter how long you live.
Q. DOES IT VARY?
A. No it is fixed. It is the exact contrary to a stock market investment which fluctuates. You can rely on guaranteed income providing you fixed amounts.
Q. I LOST ABOUT 40% OF THE VALUE OF MY STOCK MARKET PORTFOLIO IN 2008. CAN IT HAPPEN AGAIN?
A. Not if you invest in guaranteed income.
Q. WHO GUARANTEES THE INCOME?
A. Large financial institutions that are international and well established. They are regulated and obligated by the Canadian government to have reserves of 1.5 times the money you deposit with them.
Q. WHAT HAPPENS TO MY FIXED INCOME WHEN I DIE?
A. There are several answers to this question. We can provide you with a number of options when we meet with you.
Q. I AM 40 YEARS OLD AND DON’T NEED GUARANTEED INCOME NOW. WHY SHOULD I TALK TO YOU?
A. Because the sooner you talk to us the faster we will begin to maximize your money and protect it for the rest of your life. When you need it, it will be there for you and your family. Fixed and guaranteed. Not fluctuating on the stock market.
Q. I AM A BABY BOOMER AND AM AFRAID I WILL RUN OUT OF MONEY BEFORE I DIE. CAN YOU HELP ME?
A. Yes. We can provide you with a number of solutions that are guaranteed to keep you going for the rest of your life.
Q. THE COMPANY I WORK FOR PROVIDES A DEFINED CONTRIBUTION PLAN, WHY DO I NEED GUARANTEED INCOME?
A. Is the plan guaranteed? Will your income fluctuate with the stock market at times you need it most? Are you in control? Are you willing to take the risk of having to reduce your living standards? Will your company be in business when you retire?
Q. MY EMPLOYER DOESN’T OFFER A DEFINED BENEFIT PENSION PLAN, WHAT DO I DO?
A. Talk to us. We’ll set one up for you that is more efficient and secure than what your employer would have provided for you.
Q. I HAVE A WIFE AND THREE KIDS. WHAT HAPPENS IF I GET INCAPACITATED IN AN AUTO ACCIDENT, NEED NURSING CARE AND MY EMPLOYMENT INCOME STOPS.
A. If you talked to us ahead of time, you and your family will be in good shape. If you didn’t you’ll all be in trouble.
Q. I’M SINGLE YET I AM NOT COMFORTABLE THAT I WILL HAVE ENOUGH MONEY TO LIVE ON THROUGHOUT RETIREMENT. WHAT DO I DO?
A. Talk to us. We’ll devise a plan which will reorganize your finances and provide you with guaranteed lifetime income that may even afford you the luxuries of life.
Q. WHAT HAPPENS IF I IMMEDIATELY NEED MONEY WHICH I INVESTED FOR RETIREMENT?
A. Access to money can be arranged.
Q. HOW CAN I MAKE UP FOR THE 2008 STOCK MARKET LOSSES WHICH I INCURRED?
A. Talk to us. We’ll make sure you don’t make the same mistakes again and help in your attempts to regain lost ground.
Q. I WOULD LIKE TO LEAVE MONEY FOR MY LOVED ONES WHEN I PASS AWAY. CAN YOU HELP ME?
A. Of course. How much would you like to leave?
Q. MY MONEY IS INVESTED IN STOCKS AND BONDS WHAT DO GUARANTEED INVESTMENTS PROVIDE IN COMPARISON?
A. Fixed income. Reduced taxes. Guaranteed lifetime income. Guaranteed coverage of your basic living expenses. No risks. Income and asset protection. And more.
Q. CAN I STILL INVEST IN STOCKS AND BONDS AFTER I BECOME YOUR CLIENT?
A. Yes, but you will have to do that independently and incur the risks personally. There will be no guarantees for money you invest in stocks and bonds. We can provide you with qualified brokers.
Q. BOTH MY PARENTS LIVED INTO THEIR 90s. SO, I EXPECT TO LIVE AS LONG OR LONGER. HOW TO I BUILD A DEPENDABLE INCOME WHICH WILL LAST UNTIL I DIE?
A. Talk to us. We will devise a custom-made plan which will cover all eventualities of your life.
Q. BANKS AND BROKERS ADVISE ME TO INVEST IN STOCKS IN ORDER TO BENEFIT FROM THEIR GROWTH POTENTIAL. SHOULD I?
A. Have you looked at the long-term returns of the stock market? Are you willing to take the downturns without panicking? Were you hurt in the 2008 crash? Have you made up for it? If you prefer peace of mind and better returns that guaranteed investments can provide, talk to us.
Q. HOW DO YOU MAXIMIZE MY MONEY?
A. We’ll show you when we meet with you.
CONTACT
Please contact me your earliest convenience to arrange for
a chat with a guaranteed investment expert.
ROBIN BEHAR, MBA
Senior Financial Advisor
Personal Email
Phone
514-739-8157