Security. Purpose. Legacy.

June 1, 2017
Dear Valued Client,
As you may already know, Industrial Alliance Securities, a subsidiary of Industrial Alliance Group, is acquiring HollisWealth from Scotia Capital Inc. This means that the HollisWealth group will be owned and operated by Industrial Alliance Securities starting August 4 of this year. Industrial Alliance Group is the 4th largest life and health insurance group in Canada managing over $126 billion in assets and 5,300 employees.
Please know that the transition has been planned to be totally seamless to you, our valued client. This means that you will not need to do anything, not even sign new paperwork, as our business will be carrying on as usual. If you have not already received a letter from HollisWealth, you will receive one soon outlining this transition.
Rest assured that nothing has changed at our office and we anticipate minimal changes to the way we do business. You will continue to receive the care and attention that you’ve come to expect from us. Should you have any questions whatsoever, please don’t hesitate to give us a call.
The Case For Taking CPP Early

Jim Yih of the "retire happy" website states his case for why you should take CPP as early as possible. He also lays out the math for determining the breakeven age for taking CPP early. Click here for his article. 
The Case For Taking CPP Late
If you have enough savings to tide you over until age 70, then this article states the case for deferring your CPP until then. Click here to read the details on why you might want to defer your CPP.
Successful Retirement Solution

Our Successful Retirement Solution is an integrated planning approach that we are offering to our valued clients. It has six steps that will help you:    
                        1. Clarify Vision
                        2. Preserve Wealth
                        3. Minimize Tax
                        4. Maximize Retirement
                        5. Optimize Investments
                        6. Design Legacy
We plan to touch on one or more of these steps at our future meetings with you. And we aim to provide educational resources that will detail and explain each step so that you will understand the importance of each one in our Successful Retirement Solution. Please feel free to contact us if you have any questions.

6 Steps to Age-Proof Your Body

Do yourself a favour - live longer and feel better by following these 6 simple suggestions. Click here for the complete list and details.
         Chad Ekren     
    Chad Ekren CIM, 
CFP®, B.Comm
                 Portfolio Manager
Successful Retirement Video
If you haven't seen our video series on "Achieving a Successful Retirement", please click here to view them. Click here if you'd like to talk about how you can achieve a Successful Retirement.
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Should you have any questions or comments please call me at 604-432-7743 or email me at
Capital Concepts Group
HollisWealth, a division of Scotia Capital Inc.                                     E:
Suite1030 – 4720 Kingsway                                                                   P: 604-432-7743
Metrotower II                                                                                               F: 604-439-7777
Burnaby, BC  V5H 4N2                                                                   

This article was prepared solely by Chad Ekren who is a registered representative of HollisWealth® (a division of Scotia Capital Inc., a member of the Canadian Investor Protection Fund and the Investment Industry Regulatory Organization of Canada). The views and opinions, including any recommendations, expressed in this article are those of Chad Ekren alone and not those of HollisWealth. HollisWealth and the Scotiabank companies do not provide income tax preparation services nor do they supervise or review other persons who may provide such services. Capital Concepts Group is a personal trade name of Chad Ekren. ® Registered trademark of The Bank of Nova Scotia, used under license.

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Capital Concepts Group Inc. · 1030 - 4720 Kingsway · Burnaby, BC V5H 4N2 · Canada

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