THE INCOME RETENTION CHECKUP

Over a lifetime, you may earn millions. How much will you keep?

You work hard for your income. The question is whether enough of it is being directed toward the life you want today, protection against what could interrupt your plans, and income for the future.

The Income Retention Checkup is a short worksheet that helps you see how your income is working and identify the questions worth discussing.

Send me the Checkup

No pressure. Just a clearer picture of where you stand.

40 YEARS OF EARNING

$2.8M

$70,000 a year for 40 years, before tax

YEAR 1YEAR 40

A simple illustration. It does not include taxes, changes in income, investment growth or inflation.

A ONE-MINUTE VIEW

See where a lifetime of income can go

GIVE YOUR INCOME THREE JOBS

Today. Protection. Future.

You do not need a perfect budget. You need a clear system for the income you work hard to earn.

Pay for life today

Cover housing, food, transportation, family responsibilities and the things that make life enjoyable.

Protect what depends on you

Keep enough financial room for an emergency and understand what would respond if illness, disability or death interrupted the plan.

Build future income and freedom

Direct part of today's income into savings, assets and future income that may support you when employment income stops.

WHAT YOU WILL REVIEW

Five questions worth discussing

How much of your income is building something you will still own later?
If income stopped tomorrow, how long could the household continue normally?
Are you reducing debt while keeping enough accessible money for emergencies?
Do you know where retirement income is expected to come from?
When did you last compare your savings and protection with the life you have now?

A SHORT WORKSHEET

Three pages. Three priorities. One useful next step.

The Checkup is educational. It does not assume that you need another product or prescribe one answer for everyone.

Review each statement
Choose Yes, Not sure or Review
Identify one question to answer
Choose one next step

REQUEST YOUR COPY

Get the Income Retention Checkup

Complete the short form. CyberImpact will ask you to confirm your email address. Once confirmed, your Checkup will be available to download and sent to you by email.

Your request stays separate from MoneyTrends. Requesting this Checkup does not add you to the MoneyTrends newsletter.

LET'S TAKE A CLOSER LOOK TOGETHER

I help people make clearer decisions today, before life forces harder ones later.

If the Checkup raises a question you would like to discuss, I can help you compare what you have with your current responsibilities and identify what deserves attention.

David D. Seemungal, EPC Senior Insurance & Investment Advisor Elder Planning Counselor VFG Financial Group 416-716-4675 david@davidseemungal.ca davidseemungal.ca