Retirement 101 is an educational program offering information vital to employees approaching the transition to retirement. The instructor introduces the participants to the planning process and then, over four sessions, pieces together the elements that make up a solid retirement/financial plan. The primary objective of the program is to address the many concerns of people preparing for retirement.

The course concludes with an optional planning consultation that allows the attendees to focus on the specifics of their own situation. The consultation produces a comprehensive financial plan, offering the attendees an objective view of their position. Weaknesses are pointed out and planning opportunities are identified.

The program is geared to people who intend to retire in the next ten years.

• compliments your existing benefits package and offers a valuable educational opportunity to your ‘internal clientele’.
• gives a third party endorsement of the benefits package you have worked so hard to implement and maintain.
• helps to increase participation in HR initiatives like the company savings plan or the group RRSP.
• saves valuable counseling time for the HR department.
• thoroughly addresses important issues that HR people simply do not have the time to deal with.
• fosters good employee-employer relations by showing concern for employee well-being and by involving the employees spouse with the company in a positive way.

• is both thought and action provoking - it encourages attendees to begin the planning process.
• prepares the employee for decisions they will soon be facing.
• encourages attendees to set retirement objectives.
• gives the participants an understanding of the sources of their retirement income and an indication of the amount of income they can expect.
• identifies the key variables people must consider in developing their financial plans.
• identifies adjustments people can make to improve their retirement situation.
• clarifies the benefits package offered by your organization.
• deals with income tax implications and focuses on maximizing after-tax income.
• demystifies personal investing.
• deals with elements of estate planning: Powers of Attorney, Wills, life insurance, and taxation.

Retirement 101…

• consists of four - 2.5 hour evening sessions held one night a week for four weeks.
• participants are encouraged to bring their spouse (if applicable).
• sessions are conducted in a comfortable classroom format and offer ample opportunity for attendees to ask questions.
• supplies each participant with a workbook covering all course material.
• includes an optional financial planning consultation. During the consultation a written financial plan is developed. This is strictly a financial plan, not an investment plan. It does not include the recommendation of any specific investment products.

What Does Your Organization Need to Supply?

We ask that you provide…

• assistance in promoting the program to your people.
• a location for conducting the classes.
• refreshments for attendees (optional).

Armstrong & Quaile Associates Inc.
279 Weber St. N., Lower Suite 3
Waterloo, Ontario
N2J 3H8

Phone: (519) 576-5766 Fax: (519) 576-0192