FACT:  Market growth was flat for three years, March 1, 2011 to March 1, 2014 (S&P/TSX Composite Index).

 REALITY:  An RRSP worth $500,000 March 01, 2011 could have recovered to $500,000 by March 01, 2014, after a three year Roller Coaster ride, IF you did not flee to the Money Market in the Fall of 2011, where interest rates remain at all-time lows.  Taking the RRIF Minimum would provide $20,000 to an Age 65 retiree.

SOLUTION:  GUARANTEED LIFETIME INCOME After three years in our retirement solution, even with zero growth, you could enjoy a guaranteed benefit base of $575,000, and the GUARANTEED annual lifetime income would be $23,000, with the potential for increase.

RESULT:  15% MORE ANNUAL INCOME, GUARANTEED.

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