Investing for the Future

Capital Estate Planning Investment Products and Services

When you get excited about your dreams, we do too. Capital Estate Planning is happy to show you a very realistic path of wealth management and protection-laid out specifically for you-to get you to those dreams just as soon as you are ready. Along the way, there are quality products and services that, if considered carefully, will keep you on the right path.

Our team of financial advisors provides a whole range of registered and non-registered investment planning services that will help pave your road to success. To ensure competitive returns, we provide investment funds and GICs from a variety of financial institutions (including banks, trust companies, investment companies, and pension firms). Let's get moving!

To read about our investing services, please choose one of the options below:

» Group Registered Retirement Savings Plan (RRSP)
» Spousal RRSP's
» Guaranteed Investment Certificates (GIC)
» Non-Registered Mutual Funds
» Group Education Savings Plan (RESP)
» Registered Retirement Income Fund (RRIF)
» Access to your Investment Portfolio

Group Registered Retirement Savings Plan (RRSP)
Capital Estate Planning offers a custom designed Group RRSP program using 17 investment companies and over 57 investment choices. Participants can access a series of guaranteed term certificates and / or a variety of pooled funds consisting of Equity, Bond, and Balanced Funds. Pooled funds garner the highest possible returns while minimizing risks.

There are many benefits to the Group RRSP program including no annual service fees, no set-up fees, and no withdrawal fees. There is no minimum contribution. An increasing number of Counties, Boards and Corporations across the province are now offering the Group RRSP with immediate tax relief on a payroll deduction basis. A Capital Estate Planning advisor would be happy to explain these and other benefits relating to flexibilty in contribution methods; deposit guarantees; and creditor protection.

As an added value to our clients, Capital Estate Planning can now provide a personal financial planning computerized retirement income projection analysis. This analysis coordinates pensions, government programs, RRSPs, and other savings while at the same time allowing for income taxes and inflation.

Spousal RRSP's
Imagine paying less in tax now and in retirement. Does this sound good? If so, a spousal RRSP may appeal to you. A spousal RRSP is an excellent tax-planning vehicle for couples with significant differences in their incomes, or in their existing retirement savings.

Say you have a higher income than your spouse, or wish to increase their retirement savings, you can open a spousal RRSP for your partner. You contribute to the plan and you receive the tax deduction. Contributions are deducted from your RRSP saving limit and your spouse can still contribute up to their yearly RRSP limit.

The plan assets are attributed to your spouse and they withdraw the assets in retirement as income. This provides two more evenly distributed incomes in retirement. As two smaller incomes are usually taxed at lower levels than one much larger income, you save on the taxes paid during retirement.

Guaranteed Investment Certificates (GIC)
GICs are considered to be a conservative investment vehicle that provides least risk of all options available. They provide investors with a defined rate of interest over a specified investment period, typically one to five years. Capital Estate Planning is able to offer its clients their choice of the best GIC rates available from a large variety of bank and investment institutions in Canada.

Non-Registered Mutual Funds
Capital Estate Planning has searched a world of financial institutions including banks, trust companies, investment funds and pensions funds to bring you top quality products. We are proud to present over 34 non-registered mutual funds under the descriptor titles of Asset Allocation Funds; Balanced Funds; Canadian Equity Funds; Cash and Equivalent Funds; Fixed Income Funds; Foreign Equity Funds; and Special Equity Funds.

For more detailed and current information about each available mutual fund, visit the Detailed Fund Descriptions page. Printable information sheets (.pdf with graphics) regarding the fund performances are available there.

As you ride down the road to retirement, make sure it's not on a unicycle. Think tricycle - or at the very least, bicycle - to ensure your retirement income includes both registered and non-registered investments to finance your retirement expectations. A well balanced financial portfolio includes savings over and above government RRSP limits as an integral part of your retirement plan.

Group Education Savings Plan (RESP)
This unique educational savings program features tax sheltered investment growth to provide for education costs beyond high school. The plans have a diverse selection of investment funds through major investment fund companies and may be transferred between family members for complete flexibility.

In March, 2007 the federal budget introduced two major changes to the contribution rules: The elimination of the $4,000 annual RESP contribution limit and the increase of the lifetime RESP contribution limit to $50,000 per beneficiary from $42,000.

To promote saving for a child's education and to give a boost to RESPs, the government also enhanced the Canada Education Savings Grant (CESG). The CESG, is deposited directly into the RESP itself. The maximum annual contribution that will qualify for the 20% CESG will be increased to $2,500 from $2,000, thereby increasing the maximum annual CESG per beneficiary per year to $500 from $400 for years beginning in 2007. For beneficiaries with unused CESGs from prior years, the new maximum CESG will be $1,000, based on a $5,000 RESP contribution. The $7,200 maximum lifetime CESG limit, however, remains unchanged.

Registered Retirement Income Fund (RRIF)
A Group RRIF is a plan that allows you to receive the retirement savings you've accumulated over your lifetime through a series of regular payments you control. Although there is a minimum amount you must withdraw, the money that's left in the plan continues to grow tax-free until you receive it.

Combining the benefits of mutual funds with the freedom of a Group RRIF offers you the following advantages:

• They are available to anyone with most types of retirement savings, at any age;
• They give you more choices over the investment selections you make;
• They allow greater freedom to alter your income as your needs change, subject to the minimum yearly amount you must withdraw;
• They offer more flexibility to rebalance your investments as market conditions change; and
• They help manage the risk level you're comfortable with by modifying your allocation among the different risk levels available from mutual funds.

Access to your Investment Portfolio
Manage your portfolio via the internet at www.grsaccess.com-a transactional website with 24/7 access. View and print your reader-friendly statement at any time. From the first click of the mouse, you'll find we've created a site that lets you monitor your investment statements. You'll discover our great service options including the ability to:

• check your own plan statement at any time
• view and change the investment direction of your future deposits and maturing investments
• update your address, phone, and email address
• make transactions in a secure, confidential site
• view information about your current investment choices.

Visit www.grsaccess.com, click on "register for GRS Access", and follow the easy registration. GRS is safe and secure. Each GRS Access user has their own logon ID and password allowing them to logon from anywhere, anytime.

If you would rather discuss these funds with one of our financial advisors, please be in touch. We have offices in both Edmonton and Calgary to serve your needs.