Retirement - Finances

Managing day to day finances properly takes time, thought, and planning. Many Canadians carry a certain amount of debt as part of their overall financial picture. But with proper financial planning, you’ll be able to determine how much money you’ll need for monthly expenditures, tax payments, and future savings, and be able to manage debt effectively. Saving for retirement is also important. Financial experts have differing views on how much money you should keep in savings, how and where to invest your money, and how best to plan for your retirement years. Do you have questions about financial planning and retirement savings? Would you like guidance or information from a financial expert for yourself, a friend or loved one? Are you looking for resources within your community to help you manage your overall financial picture? We have the financial planning resources you need to make your financial transition into retirement a positive one.

You are not alone. Connect with others who may be going through the same thing, find professional help and resources near you. The Kinjunxion community is here to help.

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A Guide to Planning Your Retirement Finances

A Guidebook

A Straightforward Guide to Planning for Retirement

Managing Retirement Finances

This third edition of the Straightforward Guide to Planning for Retirement, Managing Retirement Finances, demonstrates clearly how those of retirement age and beyond can maximize their income and so enjoy their retirement. Whilst it has always been important to plan for retirement, it is now more crucial than ever, in the middle of a recession, to ensure that people understand the opportunities available to them. This book demonstrates clearly the growth areas and also the areas to avoid.

A Guide to planning your retirement finances

a report

Retirement Spotlight

Illuminate Your Life, Reveal Your Finances, Brighten Your Retirement

You Only Get One Chance to Retire RightChoose the Right Advisor to Help You The goal of financial planning is life: full, free, joy-filled retirement life. Money should be your servant, not your master. But how do you select the right financial advisor to get you there? You must understand the crucial concepts and ask the key questions. In The Retirement Spotlight, Michael Foguth leads you to illumine the retirement life you desire, then reveals the financial framework to get you there. Throughout the book, he equips you with the knowledge and penetrating questions you need in order to be confident you've chosen the right advisor. You will learn to: Discard common retirement myths Identify the legacy you want to leave Understand why guaranteed income is vital Establish expectations for your advisor And much more Every working day Michael Foguth guides clients who are retired or nearing retirement. Read this book, then select an advisor who will brighten each moment of your happy retirement life.

The Charles Schwab Guide to Finances After Fifty

Answers to Your Most Important Money Questions

Here at last are the hard-to-find answers to the dizzying array of financial questions plaguing those who are age fifty and older. The financial world is more complex than ever, and people are struggling to make sense of it all. If you’re like most people moving into the phase of life where protecting—as well as growing-- assets is paramount, you’re faced with a number of financial puzzles. Maybe you’re struggling to get your kids through college without drawing down your life’s savings. Perhaps you sense your nest egg is at risk and want to move into safer investments. Maybe you’re contemplating downsizing to a smaller home, but aren’t sure of the financial implications. Possibly, medical expenses have become a bigger drain than you expected and you need help assessing options. Perhaps you’ll shortly be eligible for social security but want to optimize when and how to take it. Whatever your specific financial issue, one thing is certain—your range of choices is vast. As the financial world becomes increasingly complex, what you need is deeply researched advice from professionals whose credentials are impeccable and who prize clarity and straightforwardness over financial mumbo-jumbo. Carrie Schwab-Pomerantz and the Schwab team have been helping clients tackle their toughest money issues for decades. Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice. Here, Carrie will not only answer all the questions that keep you up at night, she’ll provide answers to many questions you haven’t considered but should.

Cracking Your Retirement Nest Egg (Without Scrambling Your Finances)

25 Things You Must Know Before You Tap Your 401(k), IRA, or Other Retirement Savings Plan

Identifies key steps for enabling a financially secure retirement as based on the guidance of top planners, covering such topics as recent tax law changes and understanding IRS regulations on savings withdrawals.

Planning for Retirement: Managing Retirement Finances

Revised 2019

A Straightforward Guide to Planning for Retirement- Managing Retirement Finances, Revised Edition demonstrates clearly how those of retirement age and beyond can maximize their income and so Enjoy their retirement. Whilst it has always been important to plan for Retirement, it is now more crucial than ever, to ensure that people understand the opportunities available to them. this book demonstrates clearly the growth areas and also the areas to avoid.

Ernst & Young's Retirement Planning Guide

Explains the rules of retirement planning, discusses portfolios and IRAs, and provides information on resources and Internet sites.

The crisis in retirement finance

the views of older Americans

Finances of employee-retirement systems of state and local governments in ...

Finances of Employee Retirement Systems of State and Local Governments in ...

How to Make Your Money Last

The Indispensable Retirement Guide

Turn your retirement savings into a steady paycheck that will last for life with Jane Bryant Quinn’s “‘how to’ book that covers every phase of retirement finance. Bottom line, anyone on the retirement track or in retirement should own this book” (Huffington Post). Today, people worry that they’re going to run out of money in their older age. That won’t happen if you use a few tricks for squeezing higher payments from your assets—from your Social Security account (find the hidden values there), pension (monthly income or lump sum?), home equity (sell and invest the proceeds or take a reverse mortgage?), savings (should you buy a lifetime annuity?), and retirement accounts (how to invest and—critically—how much to withdraw from your savings each year?). The right moves will not only raise the amount you have to spend, they’ll stretch out your money over many more years. With this book, financial expert Jane Bryant Quinn, “America’s dean of personal finance” (Forbes), explains how to turn your retirement funds into a paycheck that will last for life. She also shows how to look at your savings and investments in a new way. If you stick with super-safe choices the money might not last. You need safe money to help pay the bills in your early retirement years. But to ensure that you’ll still have spending money ten and twenty years from now, you have to invest for growth, today. Quinn shows you how. At a time when people are living longer, yet retiring with a smaller pot of savings than they’d hoped for, this book will become the essential guide—“a hugely valuable resource for readers, wherever they are on their personal financial timeline” (Publishers Weekly, starred review).

Business Finance

Retired

Film Financing

Creative Financing

Owner Financing

Business Financing

corporate finance

Burlington. Finance Department - Assessment & Taxation Section - Burlington City Hall

This division of the Finance Department collects property taxes and administers Seniors' grants, charity rebates and vacancy rebates.

For questions regarding property assessment, call the Municipal Property Assessment Corporation 1-866-296-6722

Burlington. Finance Department - Property Tax Reduction / Deferral - Burlington City Hall

Tax Rebate / Reduction
1. Low Income Seniors Property Tax Rebate
* City of Burlington property tax rebate of $ 525 for eligible seniors (see "Eligibility" below)
* application deadline December 31 each year
Contact or see website for more information and application form

Tax Deferrals
Note: using a tax deferral will make homeowner ineligible for tax rebate, and may have impact on other tax credits

1. Low-Income Seniors and Persons with Disabilities Property Tax Increase Deferral
Defers increases in property taxes
* for low income seniors and low income persons with disabilities (see "Eligibility" below)
* a Region of Halton program, administered by the four local municipalities
* allows eligible homeowners to defer property tax increases to keep payments at a constant level as long as the property is their principal residence
* accumulated total of all deferred amounts is paid when property is sold or no longer the applicant's principal residence
* a lien is registered against the property at the time of the first deferral, and applies to all future deferrals
* application must be made annually, on or before 45 days after the mailing of the final property tax bill, which normally occurs in early June
Contact or see website for more information and application form

2. Older Adults Property Tax Deferral Program
Defers the full amount of property taxes for older adults under a certain income
* deferral is interest-free, but a lien is registered against the property
For more details, see full record here

Business Development Bank of Canada - Hamilton Branch

Financial institution owned by the Government of Canada

Financial services: Terms loans * subordinate financing * venture capital

Consulting services: Business planning * financial planning * marketing research * ISO standards * human resources * technology and innovation * business transition

Burlington. Finance Department - Property Tax Reduction / Deferral - Burlington City Hall

Tax Rebate / Reduction
1. Low Income Seniors Property Tax Rebate
* City of Burlington property tax rebate of $ 525 for eligible seniors (see "Eligibility" below)
* application deadline December 31 each year
Contact or see website for more information and application form

Tax Deferrals
Note: using a tax deferral will make homeowner ineligible for tax rebate, and may have impact on other tax credits

1. Low-Income Seniors and Persons with Disabilities Property Tax Increase Deferral
Defers increases in property taxes
* for low income seniors and low income persons with disabilities (see "Eligibility" below)
* a Region of Halton program, administered by the four local municipalities
* allows eligible homeowners to defer property tax increases to keep payments at a constant level as long as the property is their principal residence
* accumulated total of all deferred amounts is paid when property is sold or no longer the applicant's principal residence
* a lien is registered against the property at the time of the first deferral, and applies to all future deferrals
* application must be made annually, on or before 45 days after the mailing of the final property tax bill, which normally occurs in early June
Contact or see website for more information and application form

2. Older Adults Property Tax Deferral Program
Defers the full amount of property taxes for older adults under a certain income
* deferral is interest-free, but a lien is registered against the property
For more details, see full record here

Good Shepherd Centres - Notre Dame House

Offers shelter services, a resource center, and a school serving at-risk youth.
Services include:
* 24 Hour a day intake and admissions
* Meets basic needs by providing all meals and snacks, clothing, laundry and hygiene products, etc.
* Advocacy and Case Co-ordination
* Recreational / Therapeutic programming
* On-Site Access to Mental Health Services and Consulting Psychiatry
* On-Site Access to a General Practitioner and/or Nurse Practitioner
* On-Site Addiction / Substance Use Supports (Alternatives for Youth)
* On-Site Withdrawal Management Assessment and Monitoring (St. Joseph’s Hospital)
* Aftercare services through our Community Resource Centre

The Notre Dame Community Resource Centre, is a multi-agency resource centre for at-risk youth residing within the community who are between 16 and 21 years of age. Youth have access to a number of outreach support services and programs to assist them in remaining housed; diverting them from homelessness and street involvement.

A case coordinator assists the youth in navigating community and internal services based on their identified needs.

Good Shepherd Centres - Notre Dame House

Offers shelter services, a resource center, and a school serving at-risk youth.
Services include:
* 24 Hour a day intake and admissions
* Meets basic needs by providing all meals and snacks, clothing, laundry and hygiene products, etc.
* Advocacy and Case Co-ordination
* Recreational / Therapeutic programming
* On-Site Access to Mental Health Services and Consulting Psychiatry
* On-Site Access to a General Practitioner and/or Nurse Practitioner
* On-Site Addiction / Substance Use Supports (Alternatives for Youth)
* On-Site Withdrawal Management Assessment and Monitoring (St. Joseph’s Hospital)
* Aftercare services through our Community Resource Centre

The Notre Dame Community Resource Centre, is a multi-agency resource centre for at-risk youth residing within the community who are between 16 and 21 years of age. Youth have access to a number of outreach support services and programs to assist them in remaining housed; diverting them from homelessness and street involvement.

A case coordinator assists the youth in navigating community and internal services based on their identified needs.

Halton. Finance Department - Older Adults Property Tax Deferral Program

The program allows older adult homeowners in Halton with low incomes to defer their full property taxes for as long as they remain eligible.
This allows participants to focus their financial resources on their day-to-day needs, helping them to stay in their homes and improving their overall quality of life.
If you qualify, the deferral of your property taxes is interest-free.

Business Development Bank of Canada - Halton Business Centre

A federal Crown corporation wholly owned by the Government of Canada and mandated as Canada's business development bank * mission is to help create and develop strong Canadian businesses through financing, consulting services and securitization, with a focus on small and medium-sized enterprises.

Supports entrepreneurs in all industries and at all stages of development from more than 100 business centres across Canada and online at bdc.ca.

Major services include:
Financing:
Term loans such as realty and equipment loans, working capital loans, start up loans.

Consulting:
Expert advice to help businesses be more competitive * a national network of consultants who can help businesses solve problems, improve performance and help achieve the most ambitious goals.

BDC Capital:
Offers innovative solutions with terms and conditions tailored to meet the unique needs of entrepreneurs and innovators looking to raise capital for their growth and transition projects.

Halton. Finance Department - Older Adults Property Tax Deferral Program

The program allows older adult homeowners in Halton with low incomes to defer their full property taxes for as long as they remain eligible.
This allows participants to focus their financial resources on their day-to-day needs, helping them to stay in their homes and improving their overall quality of life.
If you qualify, the deferral of your property taxes is interest-free.

Good Shepherd Centres - Notre Dame House

Offers shelter services, a resource center, and a school serving at-risk youth.
Services include:
* 24 Hour a day intake and admissions
* Meets basic needs by providing all meals and snacks, clothing, laundry and hygiene products, etc.
* Advocacy and Case Co-ordination
* Recreational / Therapeutic programming
* On-Site Access to Mental Health Services and Consulting Psychiatry
* On-Site Access to a General Practitioner and/or Nurse Practitioner
* On-Site Addiction / Substance Use Supports (Alternatives for Youth)
* On-Site Withdrawal Management Assessment and Monitoring (St. Joseph’s Hospital)
* Aftercare services through our Community Resource Centre

The Notre Dame Community Resource Centre, is a multi-agency resource centre for at-risk youth residing within the community who are between 16 and 21 years of age. Youth have access to a number of outreach support services and programs to assist them in remaining housed; diverting them from homelessness and street involvement.

A case coordinator assists the youth in navigating community and internal services based on their identified needs.

Haltech - Tech Place

Business innovation services include:
* Haltech HEAT™ startup services program
* HORIZON program for Global Scaleups & SMEs
* free market intelligence reports
* access to exclusive funding opportunities (grants, investments)
* entrepreneurship and commercialization workshops
* investment pitch opportunities and startup exhibitions
* referrals to vetted service professionals
* provide valuable business connections and technology partners
* extensive networking and events

Good Shepherd Centres - Notre Dame House

Offers shelter services, a resource center, and a school serving at-risk youth.
Services include:
* 24 Hour a day intake and admissions
* Meets basic needs by providing all meals and snacks, clothing, laundry and hygiene products, etc.
* Advocacy and Case Co-ordination
* Recreational / Therapeutic programming
* On-Site Access to Mental Health Services and Consulting Psychiatry
* On-Site Access to a General Practitioner and/or Nurse Practitioner
* On-Site Addiction / Substance Use Supports (Alternatives for Youth)
* On-Site Withdrawal Management Assessment and Monitoring (St. Joseph’s Hospital)
* Aftercare services through our Community Resource Centre

The Notre Dame Community Resource Centre, is a multi-agency resource centre for at-risk youth residing within the community who are between 16 and 21 years of age. Youth have access to a number of outreach support services and programs to assist them in remaining housed; diverting them from homelessness and street involvement.

A case coordinator assists the youth in navigating community and internal services based on their identified needs.