LifeStages

• Five Principles
• LifeStage 1
• LifeStage 2
• LifeStage 3
• LifeStage 4
• LifeStage 5

LifeStages

A guide to financial planning for every stage of life - specifically designed for women. View flash presentation.

Stage 1 (Ages 18-29): Early Adulthood • Forming good financial habits. • Starting an investment savings plan. • Opening an RRSP. Stage 2 (Ages 30-44): Household Formation & Career • Greater earnings and greater expenses. • Reducing your taxes using RRSPs. • Diversifying your portfolio beyond mutual funds. • Saving for your children's education. • Wills, Powers of Attorney and other safeguards.

Stage 3 (Ages 45-54): The Prime Years • Early retirement. • Paying for your children's post-secondary education. • Care of aging parents. Stage 4 (Ages 55-65): Pre-Retirement • Sources of retirement income. • How much is enough to retire comfortably? • Diversifying your portfolio beyond mutual funds. Stage 5 (Ages 66 and over): Post-Retirement • Options for your maturing RRSP. • Wealth management in retirement. • Estate planning.

At various stages of your life, you are faced with important investment and financial decisions. Your success in making these decisions with the help of a sound investment strategy can have a major impact on your income, net worth and, ultimately, quality of life in retirement.

The challenges of investing are unique for each individual. In addition, circumstances are frequently different for women - and whatever choices you make will be better as a result of greater knowledge of the underlying issues and your options.

To assist in building lifelong financial awareness for women investors, BMO Nesbitt Burns has developed LifeStages. LifeStages is designed to build the understanding that will encourage a complete re-assessment of your financial situation today - and a more strategic approach to meeting your financial goals in the future.

Taking Control of Your Financial Destiny
You don't have to be a financial expert to secure your financial future. As LifeStages shows, a combination of basic investment knowledge and sound advice from a professional Investment Advisor can make a world of difference to your financial and emotional well-being.

No matter who you are, the process of managing your financial affairs can be both empowering and exhilarating.

Time, however, is of the essence. Whatever your stage of life, now is the time to take control of your destiny.

At BMO Nesbitt Burns, our knowledgeable Investment Advisors understand the special needs of women investors — and are specially trained to help you meet your personal objectives.

Understanding Life's Stages and Better Investing
LifeStages identifies key investment issues and challenges for each of life's five financial stages. Each is illustrated by a brief case history designed to help you to better understand sound financial planning principles.

We suggest that you look first at the financial stage that matches your current age - checking to see if you have achieved financial planning goals from earlier stages. Then, look ahead to future stages to get a better idea of the hurdles that may be ahead. In both cases, remember that it's never too late to put your financial affairs in better order. A BMO Nesbitt Burns Investment Advisor can help put you on the right track, or ensure that you stay on the right track.