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BRIDGEFORCE 2014 RRSP Road Show BRIDGEFORCE 2014 RRSP Road Show

BRIDGEFORCE 2014 RRSP Road Show - PowerPoint Presentation

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BRIDGEFORCE 2014 RRSP Road Show - PPT Presentation

How to Survive and Thrive During the Coming Retirement Income Crisis Demographic Trends are Troubling Demographic Trends are Troubling 22 10 93 2013 2036 Under 15 1564 ID: 788911

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Presentation Transcript

Slide1

BRIDGEFORCE2014 RRSP Road Show

How to Survive - and Thrive - During the Coming Retirement Income Crisis

Slide2

Demographic Trends are Troubling

Slide3

Demographic Trends are Troubling

22%

10%

93%

2013

2036

Under 15

15-64

65+

5,674,123

24,104,559

5,379,622

6,897,9000

26,544,400

10,379,300

Statistics Canada, July 2013. Medium Growth Scenario.

Slide4

Demographic Trends are TroublingLargest Single Expenditure of the Federal Government OAS - $40 Billion Largest Expenditure of the Provincial Governments Health Care

($148 Billion), 45% of this amount ($67 Billion) is attributable to Canadians 65+Between 2013 and 2036 the elder population will increase by 93%

Slide5

Demographic Trends are TroublingLargest Single Expenditure of the Federal Government OAS - $40 Billion

Largest Expenditure of the Provincial Governments Health Care ($148 Billion), 45% of this amount ($67 Billion) is attributable to Canadians 65+

Between 2013 and 2036 the elder population will increase by 93%

Slide6

Demographic Trends are TroublingLargest Single Expenditure of the Federal Government OAS - $40 Billion

Largest Expenditure of the Provincial Governments Health Care ($148 Billion), 45% of this amount

($67 Billion) is attributable to Canadians 65+Between 2013 and 2036 the elder population will increase by 93%

$107 Billion

Slide7

Demographic Trends are Troubling$40 Billion (OAS) x 93% = $37.5 Billion$67 Billion (Health Care) x 93% = $62.5 Billion

37.5 Billion + 62.5 Billion =$100 BillionWorking age population

growth 014-2036): 10% An Additional

Slide8

Demographic Trends are Troubling$40 Billion (OAS) x 93% = $37.5 Billion$67 Billion (Health Care) x 93% = $62.5 Billion

37.5 Billion + 62.5 Billion =$100 BillionWorking age population growth (2013-2036

): 10% An Additional

Slide9

Demographic Trends are TroublingHow much is $100 Billion?Total Federal Income Tax: $126 Billion*

Total Federal Corporate Tax: $35 Billion*Total GST collected: $29 Billion*Total of all Federal Taxes: $209 Billion*

*Fiscal Year 2012/13

Slide10

Governments are RetrenchingThe Canada Health Transfer (CHT) is being reducedTough new Long-Term Home admission criteria (Long-Term Care Homes Act, 2007)Changes to Canada Pension Plan funding and benefits

Changes to age of eligibility for OAS, GIS and the Allowances

Slide11

Governments are RetrenchingThe Canada Health Transfer (CHT) is being reducedTough new LTC Home admission requirements

have been introduced (LTC Homes Act, 2007)Changes to Canada Pension Plan funding and benefitsChanges to age of eligibility for OAS, GIS and the Allowances

Slide12

Governments are RetrenchingThe Canada Health Transfer (CHT) is being reducedTough new LTC Home admission requirements

have been introduced (LTC Homes Act, 2007)Canada Pension Plan funding and benefits have changed

Changes to age of eligibility for OAS, GIS and the Allowances

Slide13

Governments are RetrenchingThe Canada Health Transfer (CHT) is being reducedTough new LTC Home admission requirements

have been introduced (LTC Homes Act, 2007)Canada Pension Plan funding and benefits have changed

The age of eligibility for OAS, GIS and the Allowances is increasing

Slide14

Pension Plans are Under SiegePension plan participation 46% in 1977 38% in 2012Private sector participation

One in 3 workers 1977 One in

5 workers 2012 Defined Benefit Defined Contribution/Hybrid

Slide15

Pension Plans are Under SiegePension Plan Participation 2013

62%

21%7%

Slide16

RRSP Participation is PatheticOnly one third of eligible Canadians contribute to an RRSPCanadians have used a total of 9% of their available RRSP roomThe median RRSP amount, held by a households with a breadwinner between ages 55 and 64, is $55,000 - one third have nothing

- one third have less than $55,000 - one third have more than $55,000

Slide17

RRSP Participation is PatheticAlmost half of working Canadians have neither an RPP or RRSPLess than one quarter of eligible Canadians make an RRSP contribution each yearCanadians have used 9% of their available RRSP room

The median RRSP amount, held by a households with a bread-winner between ages 55 and 64, is $55,000 - one third have nothing - one third have less than $55,000

- one third have more than $55,000 48%

24%

9%

Slide18

RRSP Participation is PatheticThe median RRSP amount, held by a households with a bread-winner between ages 55 and 64, is $60,000 - one third have nothing - one third have less than $60,000

- one third have more than $60,000

Slide19

Investment Returns Are WeakStock Exchange

January 1 2000January 1 2014

Annual Return*S&P TSX8,41413,622

+3.5%

Dow Jones Industrials

11,497

16,576

+2.6%

Hang

Seng

16,962

23,306

+2.3%

DAX

6,958

9,552

+2.3%S&P 500

1,4691,836

+1.6%Nasdaq Composite

4,0694,177

+0.2%FTSE 1006,930

6,749-0.2%Nikkei 225

18,93416,291-1.1%

CAC 405,9584,296

-2.3%

* January 1, 2000 – January 1, 2014

Slide20

SummaryDemographic trends are going to put significant pressure on elder entitlementsGovernments are already cutting funding and changing programsFewer Canadians are covered by a pension plan and those who are covered are seeing benefit reductions

Most Canadians have little or no RRSP savingsThe few Canadians who have saved, have been sideswiped by weak investment returns

Slide21

SummaryDemographic trends are going to put significant pressure on elder entitlementsGovernments are already cutting funding and changing programsFewer Canadians are covered by a pension plan and those who are covered are seeing benefit reductions

Most Canadians have little or no RRSP savingsThe few Canadians who have saved, have been sideswiped by weak investment returns

A global retirement crisis is bearing down on workers of all ages.- CBC News, December 30, 2013

Slide22

The Good News!If forced to payCanadians are being asked to accept more responsibility when it comes to their own retirement planningLow interest rates and difficult financial markets should encourage them to seek expert financial advice

Slide23

The Bad News!If forced to payCanadians have an unwarranted faith in government programsThey don’t appreciate the gravity of the current fiscal situationThey don’t understand the financial markets and recent volatility has unnerved themThey are actually

saving less, not moreThey are incredibly inept consumers

Slide24

Helping Canadians become better consumers can help you:Add ValueBuild the Relationship

Free up Capital

Slide25

Becoming a Better ConsumerAutomobiles

MeasureSource

WarrantyManufacturer SpecificationsIIHS RatingInsurance Institute for Highway Safety (IIHS), Crash Worthiness and Avoidance Testing, 2013

NHTSA Rating

National Highway Traffic Safety Administration (NHTSA), Crash Test Safety Ratings, 2013

U.S. Review

U.S. News Best Cars Report, December 2013

AJAC Review

Automobile Journalists Association of Canada (AJAC),

Testfest

Results

C.U. Road Test

Consumers Reports, June 2013

Lemon-aid Score

Phil

Edmonston’s

Lemon-aid, New Cars, 2013

Initial Quality

J.D. Power Quality Rating, 2013C.U. Reliability

Consumers Reports Predicted Reliability, June and December 2013

Residual Value Kelly Blue Book, December 2013

Slide26

Becoming a Better Consumer AutomobilesMake/Model2013 Sales

Ford Fusion20,145Toyota Camry

18,245Honda Accord17,165Hyundai Sonata14,519BMW 3 Series

12,507

Chrysler 200

11,666

Nissan

Altima

10,488

M.B. C Class

9,356

Kia Optima

9,269

VW

Passat

7,909Dodge Avenger

7,631

Make/Model2013 Sales

Audi A45,956Ford Taurus

4,238Mazda 6

4,224M.B. E Class3,359Cadillac ATS

3,256

Lexus ES3,096BMW 5 Series2,717

Acura TL2,374

Subaru Legacy2,022Infiniti G

1,776Lincoln MKZ

1,625

Make/Model

2013 Sales

Nissan Maxima

1,500

Volvo S60

1,374

Toyota Avalon

1,264

Buick

LaCrosse

1,156

Audi A6

1,033

Cadillac CTS

997

Cadillac XTS

787

Lexus GS

642

Jaguar XF

604

Volvo S80

59

Full-size Sedans – Wheelbase of 2,750 – 3,000mm – Under 1,850 kg

Slide27

Becoming a Better ConsumerAutomobiles

MeasureCar A

Car BCar C

Car D

Warranty

4/80,4/80,12U

4/80,4/80,12U

3/60,5/100,5U

4/80,4/80,5U

IIHS Rating

Fail

Fail

TSP+

Fail

NHTSA Rating

5 Star(1)

5 Star(0)

5 Star(0)

5 Star(2)

U.S. Review

8.2

8.5

7.9

8.3

AJAC Review656

673

671

659

C.U. Road Test

86

76

88

85

Lemon-aid Score

3 Star

3 Star

4 Star

3 Star

Initial Quality

4 Star

4 Star

4 Star

3 Star

C.U. Reliability

A

BA

MBA

A

Residual Value

38%

37%

43%

46%

Slide28

Becoming a Better ConsumerAutomobiles

MeasureCar A

Car BCar C

Car D

Warranty

4/80,4/80.12U

4/80,4/80,12U

3/60,5/100,5U

4/80,4/80,5U

IIHS Rating

Fail

Fail

TSP+

Fail

NHTSA Rating

5 Star(1)

5 Star(0)

5 Star(0)

5 Star(2)

U.S. Review

8.2

8.5

7.9

8.3

AJAC Review656

673

671

659

C.U. Road Test

86

76

88

85

Lemon-aid Score

3 Star

3 Star

4 Star

3 Star

Initial Quality

4 Star

4 Star

4 Star

3 Star

C.U. Reliability

A

BA

MBA

A

Residual Value

38%

37%

43%

46%

Slide29

Becoming a Better Consumer Automobiles

MeasureCar A

Car BCar C

Car D

Warranty

4/80,4/80.12U

4/80,4/80,12U

3/60,5/100,5U

4/80,4/80,5U

IIHS Rating

Fail

Fail

TSP+

Fail

NHTSA Rating

5 Star(1)

5 Star(0)

5 Star(0)

5 Star(2)

U.S. Review

8.2

8.5

7.9

8.3

AJAC Review

656

673

671

659

C.U. Road Test

86

76

88

85

Lemon-aid Score

3 Star

3 Star

4 Star

3 Star

Initial Quality

4 Star

4 Star

4 Star

3 Star

C.U. Reliability

A

BA

MBA

A

Residual Value

38%

37%

43%

46%

Slide30

Becoming a Better Consumer Automobiles

MeasureCar A

Car BCar C

Car D

Warranty

4/80,4/80.12U

4/80,4/80,12U

3/60,5/100,5U

4/80,4/80,5U

IIHS Rating

Fail

Fail

TSP+

Fail

NHTSA Rating

5 Star(1)

5 Star(0)

5 Star(0)

5 Star(2)

U.S. Review

8.2

8.5

7.9

8.3

AJAC Review

656

673

671

659

C.U. Road Test

86

76

88

85

Lemon-aid Score

3 Star

3 Star

4 Star

3 Star

Initial Quality

4 Star

4 Star

4 Star

3 Star

C.U. Reliability

A

BA

MBA

A

Residual Value

38%

37%

43%

46%

First Quartile Performance

Slide31

Becoming a Better Consumer Automobiles

Measure

Warranty4/80,4/80.12U4/80,4/80,12U

3/60,5/100,5U

4/80,4/80,5U

IIHS Rating

Fail

Fail

TSP+

Fail

NHTSA Rating

5 Star(1)

5 Star(0)

5 Star(0)

5 Star(2)

U.S. Review

8.2

8.5

7.9

8.3

AJAC Review

656

673

671

659

C.U. Road Test

86

76

88

85

Lemon-aid Score

3 Star

3 Star

4 Star

3 Star

Initial Quality

4 Star

4 Star

4 Star

3 Star

C.U. Reliability

A

BA

MBA

A

Residual Value

38%

37%

43%

46%

1

Slide32

Becoming a Better Consumer Automobiles

MeasureBMW 3 Series

Warranty

4/80,4/80.12U

4/80,4/80,12U

3/60,5/100,5U

4/80,4/80,5U

IIHS Rating

Fail

Fail

TSP+

Fail

NHTSA Rating

5 Star(1)

5 Star(0)

5 Star(0)

5 Star(2)

U.S. Review

8.2

8.5

7.9

8.3

AJAC Review

656

673

671

659

C.U. Road Test

86

76

88

85

Lemon-aid Score

3 Star

3 Star

4 Star

3 Star

Initial Quality

4 Star

4 Star

4 Star

3 Star

C.U. Reliability

A

BA

MBA

A

Residual Value

38%

37%

43%

46%

1

Slide33

Becoming a Better Consumer Automobiles

MeasureBMW 3 Series

M.B. C Class

Warranty

4/80,4/80.12U

4/80,4/80,12U

3/60,5/100,5U

4/80,4/80,5U

IIHS Rating

Fail

Fail

TSP+

Fail

NHTSA Rating

5 Star(1)

5 Star(0)

5 Star(0)

5 Star(2)

U.S. Review

8.2

8.5

7.9

8.3

AJAC Review

656

673671

659

C.U. Road Test

86

76

88

85

Lemon-aid Score

3 Star

3 Star

4 Star

3 Star

Initial Quality

4 Star

4 Star

4 Star

3 Star

C.U. Reliability

A

BA

MBA

A

Residual Value

38%

37%

43%

46%

1

Slide34

Becoming a Better Consumer Automobiles

MeasureBMW 3 Series

Audi A4M.B. C Class

Warranty

4/80,4/80.12U

4/80,4/80,12U

3/60,5/100,5U

4/80,4/80,5U

IIHS Rating

Fail

Fail

TSP+

Fail

NHTSA Rating

5 Star(1)

5 Star(0)

5 Star(0)

5 Star(2)

U.S. Review

8.2

8.5

7.9

8.3

AJAC Review

656

673

671

659

C.U. Road Test

86

76

88

85

Lemon-aid Score

3 Star

3 Star

4 Star

3 Star

Initial Quality

4 Star

4 Star

4 Star

3 Star

C.U. Reliability

A

BA

MBA

A

Residual Value

38%

37%

43%

46%

1

Slide35

Becoming a Better Consumer Automobiles

MeasureBMW 3 Series

Audi A4Subaru Legacy

M.B. C Class

Warranty

4/80,4/80.12U

4/80,4/80,12U

3/60,5/100,5U

4/80,4/80,5U

IIHS Rating

Fail

Fail

TSP+

Fail

NHTSA Rating

5 Star(1)

5 Star(0)

5 Star(0)

5 Star(2)

U.S. Review

8.2

8.5

7.9

8.3

AJAC Review

656

673

671

659

C.U. Road Test

86

76

88

85

Lemon-aid Score

3 Star

3 Star

4 Star

3 Star

Initial Quality

4 Star

4 Star

4 Star

3 Star

C.U. Reliability

A

BA

MBA

A

Residual Value

38%

37%

43%

46%

1

Slide36

Becoming a Better Consumer Automobiles

Measure

Subaru LegacyWarranty

3/60,5/100,5U

IIHS Rating

TSP+

NHTSA Rating

5 Star(0)

U.S. Review

7.9

AJAC Review

671

C.U. Road Test

88

Lemon-aid Score

4 Star

Initial Quality

4 Star

C.U. Reliability

MBA

Residual Value

43%

Slide37

Becoming a Better Consumer Automobiles

MeasureCar E

Car FSubaru Legacy

Car G

Warranty

4/80,4/80,5U

4/80,4/80,12U

3/60,5/100,5U

4/80,4/80,12U

IIHS Rating

-

-

TSP+

-

NHTSA Rating

-

-

5 Star(0)

5 Star(1)

U.S. Review

9.0

9.0

7.9

8.1AJAC Review

657

657671

672

C.U. Road Test

89

93

88

81

Lemon-aid Score

3 Star

3 Star

4 Star

3 Star

Initial Quality

4 Star

3 Star

4 Star

3 Star

C.U. Reliability

BA

MBA

MBA

A

Residual Value

38%

35%

43%

36%

Slide38

Becoming a Better Consumer Automobiles

MeasureCar E

Car FSubaru Legacy

Car G

Warranty

4/80,4/80,5U

4/80,4/80,12U

3/60,5/100,5U

4/80,4/80,12U

IIHS Rating

-

-

TSP+

-

NHTSA Rating

-

-

5 Star(0)

5 Star(1)

U.S. Review

9.0

9.0

7.9

8.1

AJAC Review657

657671

672

C.U. Road Test

89

93

88

81

Lemon-aid Score

3 Star

3 Star

4 Star

3 Star

Initial Quality

4 Star

3 Star

4 Star

3 Star

C.U. Reliability

BA

MBA

MBA

A

Residual Value

38%

35%

43%

36%

Slide39

Becoming a Better Consumer Automobiles

MeasureCar E

Car FSubaru Legacy

Car G

Warranty

4/80,4/80,5U

4/80,4/80,12U

3/60,5/100,5U

4/80,4/80,12U

IIHS Rating

-

-

TSP+

-

NHTSA Rating

-

-

5 Star(0)

5 Star(1)

U.S. Review

9.0

9.0

7.9

8.1

AJAC Review

657

657

671

672

C.U. Road Test

89

93

88

81

Lemon-aid Score

3 Star

3 Star

4 Star

3 Star

Initial Quality

4 Star

3 Star

4 Star

3 Star

C.U. Reliability

BA

MBA

MBA

A

Residual Value

38%

35%

43%

36%

Slide40

Becoming a Better Consumer Automobiles

MeasureCar E

Car FSubaru Legacy

Car G

Warranty

4/80,4/80,5U

4/80,4/80,12U

3/60,5/100,5U

4/80,4/80,12U

IIHS Rating

-

-

TSP+

-

NHTSA Rating

-

-

5 Star(0)

5 Star(1)

U.S. Review

9.0

9.0

7.9

8.1

AJAC Review

657

657

671

672

C.U. Road Test

89

93

88

81

Lemon-aid Score

3 Star

3 Star

4 Star

3 Star

Initial Quality

4 Star

3 Star

4 Star

3 Star

C.U. Reliability

BA

MBA

MBA

A

Residual Value

38%

35%

43%

36%

First Quartile Performance

Slide41

Becoming a Better Consumer Automobiles

Measure

Subaru Legacy

Warranty

4/80,4/80,5U

4/80,4/80,12U

3/60,5/100,5U

4/80,4/80,12U

IIHS Rating

-

-

TSP+

-

NHTSA Rating

-

-

5 Star(0)

5 Star(1)

U.S. Review

9.0

9.0

7.9

8.1

AJAC Review

657

657

671

672

C.U. Road Test

89

93

88

81

Lemon-aid Score

3 Star

3 Star

4 Star

3 Star

Initial Quality

4 Star

3 Star

4 Star

3 Star

C.U. Reliability

BA

MBA

MBA

A

Residual Value

38%

35%

43%

36%

1

Slide42

Becoming a Better Consumer Automobiles

MeasureM.B. E Class

Subaru Legacy

Warranty

4/80,4/80,5U

4/80,4/80,12U

3/60,5/100,5U

4/80,4/80,12U

IIHS Rating

-

-

TSP+

-

NHTSA Rating

-

-

5 Star(0)

5 Star(1)

U.S. Review

9.0

9.0

7.9

8.1

AJAC Review

657

657671

672

C.U. Road Test

89

93

88

81

Lemon-aid Score

3 Star

3 Star

4 Star

3 Star

Initial Quality

4 Star

3 Star

4 Star

3 Star

C.U. Reliability

BA

MBA

MBA

A

Residual Value

38%

35%

43%

36%

1

Slide43

Becoming a Better Consumer Automobiles

MeasureM.B. E Class

Subaru LegacyBMW

5 Series

Warranty

4/80,4/80,5U

4/80,4/80,12U

3/60,5/100,5U

4/80,4/80,12U

IIHS Rating

-

-

TSP+

-

NHTSA Rating

-

-

5 Star(0)

5 Star(1)

U.S. Review

9.0

9.0

7.9

8.1

AJAC Review

657657

671

672

C.U. Road Test

89

93

88

81

Lemon-aid Score

3 Star

3 Star

4 Star

3 Star

Initial Quality

4 Star

3 Star

4 Star

3 Star

C.U. Reliability

BA

MBA

MBA

A

Residual Value

38%

35%

43%

36%

1

Slide44

Becoming a Better Consumer Automobiles

MeasureM.B. E Class

Audi A6Subaru Legacy

BMW

5 Series

Warranty

4/80,4/80,5U

4/80,4/80,12U

3/60,5/100,5U

4/80,4/80,12U

IIHS Rating

-

-

TSP+

-

NHTSA Rating

-

-

5 Star(0)

5 Star(1)

U.S. Review

9.0

9.0

7.9

8.1

AJAC Review657

657

671

672

C.U. Road Test

89

93

88

81

Lemon-aid Score

3 Star

3 Star

4 Star

3 Star

Initial Quality

4 Star

3 Star

4 Star

3 Star

C.U. Reliability

BA

MBA

MBA

A

Residual Value

38%

35%

43%

36%

1

Slide45

Becoming a Better Consumer AutomobilesMid-Priced Sedans

Score1st

Q1. Subaru Legacy8082. Honda Accord

81

7

5. Mazda 6

91

6

6. Toyota Camry

92

4

7. Hyundai Sonata

92

7

8. Kia Optima

97

5

German Sedans

Score1

st Q10. Mercedes E

103411. Audi A6

106315. Audi A4

121417. BMW 3

129219. BMW 5

140 3

22. Mercedes C1471

Well Equipped for

$30,000

Well Equipped for

$40,000-60,000

Slide46

Becoming a Better ConsumerWhy do people believe German Sedans are superior to mid-market Asian sedans? German sedans cost moreTheir belief is widely shared

Their belief is reinforced through marketing

Slide47

Becoming a Better ConsumerThe luxury automobile paradoxRich people don’t buy luxury automobilesMost of the purchasers of luxury automobiles finance or lease

Luxury automobiles are no more satisfying to drive or own than other automobiles

Slide48

Becoming a Better ConsumerWhat has this discussion have to do with retirement planning?

Slide49

Becoming a Better ConsumerBuy value - not blingPurchase experiences, not stuff

Sweat the “big expenses”Trust no one - do your own homework

Slide50

Becoming a Better ConsumerSweat the “big expenses”After automobiles, one of your biggest single expenses will likely be real estate commissionsDepending on market conditions and the nature of the property being sold you may not require an agent

If you do need to list a property, it is important to understand that the sale will be driven through MLS (which attracts buyers and their agents)The listing agent does NOT drive the sale. He prepares the initial paperwork, provides staging advice, and may provide some limited – but generally ineffective – marketing support.

Why does he get paid 2 ½ - 3% Commission?

Slide51

Becoming a Better ConsumerBuy value - not blingPurchase experiences, not stuff

Sweat the “big expenses”Trust no one - do your own homework

Slide52

Smart Consumer BehaviourTrust No One – Do Your Homework 1970s - Blue Cross introduces “The Blue Plate Special” Removal of Adolescent Wisdom Teeth becomes “Routine”

2000 – The National Institute for Health report is released 2006 – The results of the first two clinical trials (The Collaboration Study and the Clinical Evidence Study) are releasedAll three conclude that: there is no evidence that wisdom teeth cause other teeth to shift; there is no justification for remove of non-symptomatic impacted teeth; and the risks of such removal actually out weight any future benefits

The only group to continue to recommend routine remove is the American Association of Oral and Maxillofacial SurgeonsTwo thirds of the typical oral surgeon’s income is related to the removal of adolescent wisdom teeth

Slide53

How to Survive and Thrive Get out of debt Become a smart consumer Ignore the head monkey Purchase experiences ... not stuff

Invest any remaining capital in appreciating assetsHave simple, exciting, internalized goals Make sure your loved ones are on side

Slide54

Summary Canadians need to accept more responsibility for their own financial well being in retirement The financial and life style protection products you offer will be of great assistance to them in this process They are also in desperate need of financial advice and expertise – advice and expertise that goes well beyond simple product recommendations and market knowledge

You are in the perfect place to capitalize on this opportunity In the end, the two things they will need to survive and thrive are money and wisdom

Slide55

Summary Canadians need to accept more responsibility for their own financial well being in retirement The financial and life style protection products you offer will be of great assistance to them in this process

They are also in desperate need of financial advice and expertise – advice and expertise that goes well beyond simple product recommendations and market knowledge

You are in the perfect place to capitalize on this opportunity In the end, the two things they will need to survive and thrive are money and wisdom

Slide56

For wisdom is a defence, and money is a defence: but the excellency of money is that wisdom giveth life to them that have it.- ECCLESIASTES 7:12

Slide57

Slide58

Appendix

Slide59

Warranty

Acura TL

4/80,5/100,5U Cad. XTS 4/80,6/110,6U

Jaguar XF

4/80,4/80,6U

Nis.

Alti

.

3/60,5/100,5U

Audi A4

4/80,

4/80,12U

Chr. 200 3/60,5/100,3U

Kia Opt. 5/100,5/100,5U

Nis. Max. 3/60,5/100,5U

Audi A6 4/80,4/80,12UDodge Av.

3/60,5/100,3U

Lexus ES 4/80,6/110,6U

Su. Legacy 3/60,5/100,5UBMW 3 4/80,4/80,12U

Ford Fus.

3/60,5/100,5ULexus GS 4/80,6/110,6U

Toy. Ava. 3/60,5/100,5UBMW 5

4/80,4/80,12UFord

Taur. 3/60,5/100,5U

Lin. MKZ

4/80,6/110,5U

Toy. Cam.

3/60,5/100,5U

Buick Lac.

4/80,6/110,6U

Hon. Acc.

3/60,5/100,5U

Mazda 6

3/60,5/100,8U

VW Pas.

4/80,5/100,12U

Cad. ATS

4/80,6/110,6U

Hy.Sonat

.

5/100,5/100,5U

Merce“C

4/80,4/80,5U

Volvo S60

4/80,4/80,12U

Cad. CTS

4/80,6/110,6U

Infiniti G

4/100,6/110,7U

Merce“E

4/80,4/80,5U

Volvo S80

4/80,4/80,12U

First number is basic warranty (yrs/km); second

powertrain

warranty; third corrosion warranty

Slide60

Warranty

Acura TL

4/80,5/100,5U Cad. XTS

4/80,6/110,6U

Jaguar XF

4/80,4/80,6U

Nis.

Alti

.

3/60,5/100,5U

Audi A4

4/80,

4/80,12U

Chr. 200

3/60,5/100,3U

Kia Opt.

5/100,5/100,5UNis. Max.

3/60,5/100,5U

Audi A6 4/80,4/80,12UDodge Av.

3/60,5/100,3U

Lexus ES 4/80,6/110,6U

Su. Legacy 3/60,5/100,5U

BMW 3 4/80,4/80,12U

Ford Fus.

3/60,5/100,5U

Lexus GS

4/80,6/110,6U

Toy. Ava.

3/60,5/100,5U

BMW 5

4/80,4/80,12U

Ford

Taur

.

3/60,5/100,5U

Lin. MKZ

4/80,6/110,5U

Toy. Cam.

3/60,5/100,5U

Buick Lac.

4/80,6/110,6U

Hon. Acc.

3/60,5/100,5U

Mazda 6

3/60,5/100,8U

VW Pas.

4/80,5/100,12U

Cad. ATS

4/80,6/110,6U

Hy.Sonat

.

5/100,5/100,5U

Merce“C

4/80,4/80,5U

Volvo S60

4/80,4/80,12U

Cad. CTS

4/80,6/110,6U

Infiniti G

4/100,6/110,7U

Merce“E

4/80,4/80,5U

Volvo S80

4/80,4/80,12U

First number is basic warranty (yrs/km); second

powertrain

warranty; third corrosion warranty

The Winners

Hyundai Sonata

Kia Optima

Infiniti G

Buick Lacrosse

Cadillac

ATS,CTS,XTS

Lexus

ES,GS

The Losers

31. Chrysler 200

Dodge Avenger

23. Ford

Fusion,Taurus

Honda Accord

Nissan

Altima

, Maxima

Subaru Legacy

Toyota Avalon, Camry

Slide61

IIHS Rating

TL

TSP5G/- XTS – 4G/0/B

Jaguar XF

Fail

Altima

TSP

4G/1A/-

A4

Fail

C 200

TSP

4G/1A/-

Optima

TSP4G/1A/-

Maxima Fail

A6 – 4G/0/B Avenger TSP

4G/1A/-Lexus ES – 4G/0/A

Legacy TSP+4G/1A/S

BMW 3 Fail

Fusion TSP+4G/1A/B

Lexus GS – 4G/0/BAvalon – 4G/0/B

BMW 5 – 4G/0/BTaurus – 4G/0/B

MKZ TSP+4G/1A/B

Camry TSP4G/1A/-

Lacrosse – 4G/0/-

Accord

TSP+

5G/B

Maz6

TSP+

4G/1A/A

Passat

TSP

4G/1A/-

Cadillac ATS -

Sonata

Fail

MB “C “

Fail

S60

TSP+

5G/S

CTS – 4G/0/-

Infiniti G

Fail

MB“E” – 4G/0/B

S80

TSP+

5G/S

Insurance Institute for Highway Safety (IIHS), December 2013. TSP+ - 5G or 4G/1A plus front crash prevention; TSP - 5G or 4G/1A no front crash protection; Blank (-) no small overlap test. Fail – failed one or more tests.

Slide62

IIHS Rating

TL

TSP5G/- XTS – 4G/0/B

Jaguar XF

Fail

Altima

TSP

4G/1A/-

A4

Fail

C 200

TSP

4G/1A/-

Optima

TSP

4G/1A/-

Maxima

Fail

A6 – 4G/0/B

Avenger TSP4G/1A/-

Lexus ES – 4G/0/ALegacy TSP

+4G/1A/S

BMW 3 Fail

Fusion TSP+

4G/1A/BLexus GS – 4G/0/B

Avalon – 4G/0/B

BMW 5 – 4G/0/B

Taurus – 4G/0/B

MKZ

TSP+

4G/1A/B

Camry

TSP

4G/1A/-

Lacrosse – 4G/0/-

Accord

TSP+

5G/B

Maz6

TSP+

4G/1A/A

Passat

TSP

4G/1A/-

Cadillac ATS -

Sonata

Fail

MB “C “

Fail

S60

TSP+

5G/S

CTS – 4G/0/-

Infiniti G

Fail

MB“E” – 4G/0/B

S80

TSP+

5G/S

Insurance Institute for Highway Safety (IIHS), December 2013. TSP+ - 5G or 4G/1A plus front crash prevention; TSP - 5G or 4G/1A no front crash protection; Blank (-) no small overlap test. Fail – failed one or more tests.

The Winners

Volvo S60

Volvo S80

3. Honda Accord

4. Subaru Legacy

5. Mazda 6

The Losers

31. Jaguar XF

29. Infiniti G

Nissan Maxima

28. Audi 4

27. Hyundai Sonata

Slide63

NHTSA Rating

Acura TL 4 star(2)

Cad. XTS 5 star(1)Jaguar XF -Nis.

Alti

. 5 star(1)

Audi A4 5 star(0)

Chr. 200 4 star(4)

Kia Optima 5 star(0)

Nis. Max 4 star(2)

Audi A6 -

Dodge Av. 4 star(3)

Lexus ES 5 star(1)

Su. Legacy 5 star(0)

BMW 3 5 star(1)

Ford

Fus

. 5 star(2)

Lexus GS -

Toy. Ava. 5 star(2)

BMW 5 5 star(1)Ford

Taur. 5 star(1)Lin. MKZ 5 star(2)

Toy. Cam. 5 star(2)Buick Lac. 5 star(1)

Hon. Acc. 5 star(1)Mazda 6 -

VW Passat 5star(1)

Cad. ATS 5 star(0) Hy.

Sonat. 5 star(1)Merce

.”C “ 5 star(2)

Volvo S60 5 star(0)

Cad. CTS 5 star(1)

Infiniti G -

Mercedes “E” -

Volvo S80 -

National Highway Traffic Safety Administration, 2013. Star Rating (plus number of fails).

Slide64

NHTSA Rating

Acura TL 4 star(2)

Cad. XTS 5 star(1)Jaguar XF -

Nis.

Alti

. 5 star(1)

Audi A4 5 star(0)

Chr. 200 4 star(4)

Kia Optima 5 star(0)

Nis. Max 4 star(2)

Audi A6 -

Dodge Av. 4 star(3)

Lexus ES 5 star(1)

Su. Legacy 5 star(0)

BMW 3 5 star(1)

Ford

Fus

. 5 star(2)

Lexus GS -

Toy. Ava. 5 star(2)

BMW 5 5 star(1)

Ford

Taur

. 5 star(1)Lin. MKZ 5 star(2)

Toy. Cam. 5 star(2)

Buick Lac. 5 star(1)

Hon. Acc. 5 star(1)

Mazda 6 -

VW

Passat

5star(1)

Cad. ATS 5 star(0)

Hy

.

Sonat

. 5 star(1)

Merce

.”C “ 5 star(2)

Volvo S60 5 star(0)

Cad. CTS 5 star(1)

Infiniti G -

Mercedes “E” -

Volvo S80 -

National Highway Traffic Safety Administration, 2013. Star Rating (plus number of fails).

The Winners

Kia Optima

Subaru Legacy

Audi A4

Cadillac ATS

Volvo S60

The Losers

25. Chrysler 200

24. Dodge Avenger

22. Acura TL

Nissan Maxima

17. Mercedes “C” Class, Lincoln MKZ, Toyota Avalon, Toyota Camry, Ford Fusion

Slide65

U.S. News - Car Rankings

Acura TL 8.5

Cadillac XTS 7.7Jaguar XF 8.5Nissan

Altima

8.5

Audi A4 8.5

Chrysler 200 6.9

Kia Optima 7.9

Nissan Maxima 7.6

Audi A6 9.0

Dodge Avenger 6.6

Lexus ES 7.8

Subaru Legacy 7.9

BMW 3 Series 8.2

Ford Fusion 8.7

Lexus GS 8.3

Toyota Avalon 8.2

BMW 5 Series 8.1

Ford Taurus 7.9

Lincoln MKZ 6.6

Toyota Camry 8.5Buick Lacrosse 8.4

Honda Accord 8.7Mazda 6 8.8

VW Passat 8.0

Cadillac ATS 8.3 Hyundai Sonata 8.8

Mercedes “C “ 8.3Volvo S60 8.3

Cadillac CTS 9.3

Infiniti G 8.6

Mercedes “E” 9.0

Volvo S80 7.8

U.S. News Overall Rating, December 2013

.

Slide66

U.S. News - Car Rankings

Acura TL 8.5

Cadillac XTS 7.7Jaguar XF 8.5

Nissan

Altima

8.5

Audi A4 8.5

Chrysler 200 6.9

Kia Optima 7.9

Nissan Maxima 7.6

Audi A6 9.0

Dodge Avenger 6.6

Lexus ES 7.8

Subaru Legacy 7.9

BMW 3 Series 8.2

Ford Fusion 8.7

Lexus GS 8.3

Toyota Avalon 8.2

BMW 5 Series 8.1

Ford Taurus 7.9

Lincoln MKZ 6.6

Toyota Camry 8.5

Buick Lacrosse 8.4

Honda Accord 8.7

Mazda 6 8.8

VW

Passat

8.0

Cadillac ATS 8.3

Hyundai Sonata 8.8

Mercedes “C “ 8.3

Volvo S60 8.3

Cadillac CTS 9.3

Infiniti G 8.6

Mercedes “E” 9.0

Volvo S80 7.8

U.S. News Overall Rating, December 2013

.

The Winners

Cadillac CTS

Audi A6

Mercedes “E”

Hyundai Sonata

Mazda 6

The Losers

31. Lincoln MKZ

Dodge Avenger

30. Chrysler 200

29. Nissan Maxima

28. Cadillac XTS

Slide67

AJAC Test Results

Acura TL 650

Cadillac XTS 632Jaguar XF 637

Nissan

Altima

667

Audi A4 673

Chrysler 200 640

Kia Optima 677

Nissan Maxima 658

Audi A6 657

Dodge Avenger 624

Lexus ES 644

Subaru Legacy 671

BMW 3 Series 656

Ford Fusion 682

Lexus GS 651

Toyota Avalon 648

BMW 5 Series 672

Ford Taurus 660

Lincoln MKZ 626Toyota Camry 660

Buick Lacrosse 643Honda Accord 683

Mazda 6 684VW Passat 670

Cadillac ATS 660

Hyundai Sonata 687Mercedes “C “ 659

Volvo S60 657Cadillac CTS 663

Infiniti G 658

Mercedes “E” 657

Volvo S80 628

AJAC results up to and including year end 2013 test results.

Slide68

AJAC Test Results

Acura TL 650

Cadillac XTS 632Jaguar XF 637

Nissan

Altima

667

Audi A4 673

Chrysler 200 640

Kia Optima 677

Nissan Maxima 658

Audi A6 657

Dodge Avenger 624

Lexus ES 644

Subaru Legacy 671

BMW 3 Series 666

Ford Fusion 682

Lexus GS 651

Toyota Avalon 648

BMW 5 Series 672

Ford Taurus 660

Lincoln MKZ 626

Toyota Camry 660

Buick Lacrosse 643

Honda Accord 683

Mazda 6 684

VW

Passat

670

Cadillac ATS 660

Hyundai Sonata 687

Mercedes “C “ 659

Volvo S60 657

Cadillac CTS 663

Infiniti G 658

Mercedes “E” 657

Volvo S80 628

AJAC results up to and including year end 2013 test results.

The Winners

Hyundai Sonata

Mazda 6

Honda Accord

Ford Fusion

Kia Optima

The Losers

32. Dodge Avenger

31. Lincoln MKZ

30. Volvo S80

29. Cadillac XTS

28. Jaguar XF

Slide69

Consumer’s Reports Road Test

Acura TL 82

Cadillac XTS 79Jaguar XF 83

Nissan

Altima

84

Audi A4 76

Chrysler 200 52

Kia Optima 84

Nissan Maxima 83

Audi A6 93

Dodge Avenger 43

Lexus ES 82

Subaru Legacy 88

BMW 3 Series 86

Ford Fusion 87

Lexus GS 84

Toyota Avalon 85

BMW 5 Series 81

Ford Taurus 64

Lincoln MKZ -Toyota Camry 93

Buick Lacrosse 78Honda Accord 90

Mazda 6 81VW Passat

82Cadillac ATS 76

Hyundai Sonata 89Mercedes “C “ 85

Volvo S60 77Cadillac CTS 84

Infiniti G 95

Mercedes “E” 89

Volvo S80 70

Road Test results, June 2013

.

Slide70

Consumer’s Reports Road Test

Acura TL 82

Cadillac XTS 79Jaguar XF 83

Nissan

Altima

84

Audi A4 76

Chrysler 200 52

Kia Optima 84

Nissan Maxima 83

Audi A6 93

Dodge Avenger 43

Lexus ES 82

Subaru Legacy 88

BMW 3 Series 86

Ford Fusion 87

Lexus GS 84

Toyota Avalon 85

BMW 5 Series 81

Ford Taurus 64

Lincoln MKZ -

Toyota Camry 93

Buick Lacrosse 78

Honda Accord 90

Mazda 6 81

VW

Passat

82

Cadillac ATS 76

Hyundai Sonata 89

Mercedes “C “ 85

Volvo S60 77

Cadillac CTS 84

Infiniti G 95

Mercedes “E” 89

Volvo S80 70

Road Test results, June 2013

.

The Winners

Infiniti G

Toyota Camry

Audi A6

Honda Accord

Hyundai Sonata

Mercedes “E”

The Losers

31. Dodge Avenger

30. Chrysler 200

29. Ford Taurus

28. Volvo S80

26. Audi A4

Cadillac ATS

Slide71

Lemon-aid Rating

Acura TL 3 Star

Cadillac XTS -Jaguar XF -Altima

4 Star

Audi A4 3 Star

Chrysler 200 1 Star

Kia Optima 1 Star

Maxima 4 Star

Audi A6 3 Star

Avenger 1 Star

Lexus ES 3 Star

Legacy 4 Star

BMW 3 3 Star

Ford Fusion 2 Star

Lexus GS 3 Star

Avalon 4 Star

BMW 5 Series -

Ford Taurus 3 Star

MKZ 3 Star

Camry 3 Star

Lacrosse 3 Star

Accord 4 StarMazda 6 4 Star

Passat 2 StarCadillac ATS -

Sonata 2 StarMerce

. “C “ 3 StarVolvo S60 -

Cadillac CTS 3 StarInfiniti G 4 Star

Merce

.“E” 3 Star

Volvo S80 -

Lemon-aid 2013. 4 Star – Above average; 3 Star – Average; 2 Star – Below average; 1 Star – Not recommended.

Slide72

Lemon-aid Rating

Acura TL 3 Star

Cadillac XTS -Jaguar XF -

Altima

4 Star

Audi A4 3 Star

Chrysler 200 1 Star

Kia Optima 1 Star

Maxima 4 Star

Audi A6 3 Star

Avenger 1 Star

Lexus ES 3 Star

Legacy 4 Star

BMW 3 3 Star

Ford Fusion 2 Star

Lexus GS 3 Star

Avalon 4 Star

BMW 5 Series -

Ford Taurus 3 Star

MKZ 3 Star

Camry 3 Star

Lacrosse 3 Star

Accord 4 Star

Mazda 6 4 Star

Passat

2 Star

Cadillac ATS -

Sonata 2 Star

Merce

. “C “ 3 Star

Volvo S60 -

Cadillac CTS 3 Star

Infiniti G 4 Star

Merce

.“E” 3 Star

Volvo S80 -

Lemon-aid 2013. 4 Star – Above average; 3 Star - Average; 2 Star - Below average; 1 Star - Not recommended.

The Winners

Honda Accord

Mazda 6

Subaru Legacy

Nissan

Altima

Nissan Maxima

Toyota Avalon

Infiniti G

The Losers

24. Dodge Avenger

Chrysler 200

Kia Optima

21. VW

Passat

Ford Fusion

Hyundai Sonata

Slide73

J.D. Power Initial Quality

Acura TL 5

Cadillac XTS 2 Jaguar XF 4Nissan

Altima

2

Audi A4 4

Chrysler 200 3

Kia Optima 4

Nissan Maxima 4

Audi A6 3

Dodge Avenger 3

Lexus ES 4

Subaru Legacy 4

BMW 3 Series 4

Ford Fusion 3

Lexus GS 4

Toyota Avalon 4

BMW 5 Series 3

Ford Taurus 2

Lincoln MKZ 2

Toyota Camry 5

Buick Lacrosse 3Honda Accord 3Mazda 6 4

VW Passat 3

Cadillac ATS 2 Hyundai Sonata 4

Mercedes “C “ 3Volvo S60 3

Cadillac CTS 5

Infiniti G 5

Mercedes “E” 4

Volvo S80 2

J.D. Power Initial Quality rating (1-5).

Slide74

J.D. Power Initial Quality

Acura TL 5

Cadillac XTS 2 Jaguar XF 4

Nissan

Altima

2

Audi A4 4

Chrysler 200 3

Kia Optima 4

Nissan Maxima 4

Audi A6 3

Dodge Avenger 3

Lexus ES 4

Subaru Legacy 4

BMW 3 Series 4

Ford Fusion 3

Lexus GS 4

Toyota Avalon 4

BMW 5 Series 3

Ford Taurus 2

Lincoln MKZ 2

Toyota Camry 5

Buick Lacrosse 3

Honda Accord 3

Mazda 6 4

VW

Passat

3

Cadillac ATS 2

Hyundai Sonata 4

Mercedes “C “ 3

Volvo S60 3

Cadillac CTS 5

Infiniti G 5

Mercedes “E” 4

Volvo S80 2

J.D. Power Initial Quality rating (1-5).

The Winners

Toyota Camry

Acura TL

Infiniti G

Cadillac CTS

5

. Hyundai Sonata, Kia Optima, Mazda 6, Subaru Legacy, BMW 3 Series, Audi A4, Lexus ES, Lexus GS, Mercedes “E” Class, Nissan Maxima, Toyota Avalon, Jaguar XF

The Losers

27. Volvo S80

Cadillac XTS

Cadillac ATS

Lincoln MKZ

Ford Taurus

Nissan

Altima

Slide75

Consumer’s Reports Reliability

Acura TL MBA

Cadillac XTS MWAJaguar XF MWANissan

Altima

MWA

Audi A4 BA

Chrysler 200 A

Kia Optima A

Nissan Maxima BA

Audi A6 MBA

Dodge Avenger -

Lexus ES MBA

Subaru Legacy MBA

BMW 3 Series A

Ford Fusion A

Lexus GS BA

Toyota Avalon MBA

BMW 5 Series BA

Ford Taurus MWA

Lincoln MKZ -

Toyota Camry BABuick Lacrosse WA

Honda Accord AMazda 6 BA

VW Passat A

Cadillac ATS A Hyundai Sonata A

Mercedes “C “ AVolvo S60 A

Cadillac CTS BA

Infiniti G MBA

Mercedes “E” BA

Volvo S80 BA

Consumers Reports, June 2013/December 2013. MBA – Much Better than Average; BA – Better than Average; A – Average; WA – Worse than Average; MWA – Much worse than Average.

Slide76

Consumer’s Reports Reliability

Acura TL MBA

Cadillac XTS MWAJaguar XF MWA

Nissan

Altima

MWA

Audi A4 BA

Chrysler 200 A

Kia Optima A

Nissan Maxima BA

Audi A6 MBA

Dodge Avenger -

Lexus ES MBA

Subaru Legacy MBA

BMW 3 Series A

Ford Fusion A

Lexus GS BA

Toyota Avalon MBA

BMW 5 Series BA

Ford Taurus MWA

Lincoln MKZ -

Toyota Camry BA

Buick Lacrosse WA

Honda Accord A

Mazda 6 BA

VW

Passat

A

Cadillac ATS A

Hyundai Sonata A

Mercedes “C “ A

Volvo S60 A

Cadillac CTS BA

Infiniti G MBA

Mercedes “E” BA

Volvo S80 BA

Consumers Reports, June 2013/December 2013. MBA – Much Better than Average; BA – Better than Average; A – Average; WA – Worse than Average; MWA – Much worse than Average.

The Winners

Subaru Legacy

Toyota Avalon

Acura TL

Lexus ES

Infiniti G

Audi A6

The Losers

27. Jaguar XF

Cadillac XTS

Ford Taurus

Nissan

Altima

26. Buick Lacrosse

Slide77

Kelly Blue Book Residual Value

Acura TL 42%

Cadillac XTS 32%Jaguar XF 30%Nissan

Altima

43%

Audi A4 37%

Chrysler 200 31%

Kia Optima 49%

Nissan Maxima 36%

Audi A6 35%

Dodge Avenger 36%

Lexus ES 46%

Subaru Legacy 43%

BMW 3 Series 38%

Ford Fusion 42%

Lexus GS 43%

Toyota Avalon 43%

BMW 5 Series 36%

Ford Taurus 35%

Lincoln MKZ 37%

Toyota Camry 46%Buick Lacrosse 29%

Honda Accord 47%Mazda 6 39%

VW Passat 33%

Cadillac ATS 41% Hyundai Sonata 44%

Mercedes “C “ 46%Volvo S60 34%

Cadillac CTS 34%

Infiniti G 41%

Mercedes “E” 38%

Volvo S80 29%

Percentage of MSRP retained after five years. Source: Kelly Blue Book, December 2013

.

Slide78

Kelly Blue Book Residual Value

Acura TL 42%

Cadillac XTS 32%Jaguar XF 30%

Nissan

Altima

43%

Audi A4 37%

Chrysler 200 31%

Kia Optima 49%

Nissan Maxima 36%

Audi A6 35%

Dodge Avenger 36%

Lexus ES 46%

Subaru Legacy 43%

BMW 3 Series 38%

Ford Fusion 42%

Lexus GS 43%

Toyota Avalon 43%

BMW 5 Series 36%

Ford Taurus 35%

Lincoln MKZ 37%

Toyota Camry 46%

Buick Lacrosse 29%

Honda Accord 47%

Mazda 6 39%

VW

Passat

33%

Cadillac ATS 41%

Hyundai Sonata 44%

Mercedes “C “ 46%

Volvo S60 34%

Cadillac CTS 34%

Infiniti G 41%

Mercedes “E” 38%

Volvo S80 29%

Percentage of MSRP retained after five years. Source: Kelly Blue Book, December 2013

.

The Winners

1. Kia Optima

2. Honda Accord

3. Toyota Camry

Mercedes “C”

Lexus ES

The Losers

31. Volvo S80

Buick Lacrosse

30. Jaguar XF

29. Chrysler 200

28. Cadillac XTS