ODSP UPDATES:

It is our Mission to keep you informed while taking you and your loved ones to a better Financial place.

As specialist in our Industry, we are always searching for up to date information and new products/plans to meet your goals and objectives.

As for individuals on ODSP here is the new exempt earnings details & benefits;

• ODSP does allow an individual to earn up to $1,000 without it affecting the monthly benefit, and so is 25% of any net earnings after the first $1,000
• ODSP gives you an extra $100 Work-Related Benefit

We are Life Insurance and Investment Brokers that offer a variety of services specializing in individuals and our Families affected by a Disability.

1. Life Insurance for Individual that may be effected by a disability and family members to protect the income and debt offset

1. Savings Programs for example; which could allow up to $100,000  lifetime exemption for individuals on ODSP and other key features.

1.      By-passing Probate

2.      Guarantees

3.      Creditor Proofing

These savings programs can be TFSA, RRSP’s, Non-Registered and RDSP’s.

Our team is ready to work with you to discover how you can best benefit from our Programs.

DISABILITY TAX CREDITS

Disability Tax Credit Refunds It is our mission to take our clients from where they are now to a stronger financial position. We use our professional expertise in the areas of finance and life skills to achieve this mission. In order to reach these goals, Vaughan & Associates have been offering services to clients for more than 2 decades. Over these years we have established long lasting relationships with the people we have assisted through integrity and trust. We have developed a proficiency that enables us to align ourselves in many areas of service. This allows us to extend a helping hand to our clients, thereby improving the quality of their lives. We have come to understand that those affected by a disability could use our guidance. This can give comfort to the families of those who are faced with day to day trials and difficulties in their lives. We under our Families Affected by Disabilities (FAD) Program, are proud to work in association with such organizations as: · MY MS FAMILY Society · Canadian Mental Health Association · Community Care Access Centre · Canadian Centre for Abuse · Awareness Brain Injury Association

Families Affected by Disability Alquest in conjunction with Vaughan and Associates assist families affected by disability by offering free information sessions. Topics can include:

· Financial Planning 101 · Disability Tax Credit · Registered Disability Savings Plans · Life Insurance – Risk Management · Estate Planning –

The Legal Side VAUGHAN & ASSOCIATES Nicole Vaughan & Glenn Warren 26880 Park Road Sutton, ON L0E 1R0 905.596.0228 nicolevaughan@rogers.com www.alquest.ca

Vision Visual acuity in both eyes is 20/200 (6/60) or less on the Snellen Chart or your field of vision is 20 degrees or less.

Speaking You must rely upon other means of communication such as sign language or a symbol board You must repeat words or sentence several times and as a result it takes you longer than an average person to make yourself understood.

 Hearing You must rely completely on lip reading or sign language, despite using a hearing aid, in order to understand a spoken conversation. People must raise their voice or repeat words or sentences several times so you require extra time to understand what people are saying.

Walking You must rely upon a wheelchair or scooter outside of the home. You are able to walk 100 metres (one city block) but only by taking a significant amount of time, stopping due to shortness of breath or pain, all or substantially all the time. You experience several episodes of fatigue, ataxia, lack of coordination and problems with balance. These episodes cause you to be incapacitated for several days at a time, making you unable to walk more than a few steps. Between episodes, you continue to experience the symptoms but to a lesser degree. These symptoms put you at significant risk of injury due to loss of balance, lack of coordination, or falling and require you an inordinate amount of time to walk, substantially all the time. Disability Tax Credit A non-refundable tax credit used to reduce taxes pai

With Warmest regards, 

Nicole Vaughan                               Cc Bob Vaughan

905-596-0228

nicolevaughan@rogers.com

GET MORE
FOR YOUR MONEY
with Empire Life Guaranteed Investment Funds

Vaughan and Associates mission is to make it simple for you to build wealth, generate income and achieve financial security.

A volatile market can make anyone nervous about investing.

Calm your nerves by setting up a regular contribution plan to benefit from “Dollar Cost Averaging”.

This means you buy more units when process are low and fewer units when prices are high, which over time may help to smooth out the effects of market fluctuations.

As a reminder we are Brokers both Bob and I, in the Life Insurance Industry. In the Life Insurance Industry our intent is to offset Risk Exposure.

This being said, there are Benefits that are available to you that other Industry’s can not offer example Banks.

We want you to be aware of some Key Features;

• Ability to By-passing Probate – allowing your Beneficiary (ies) to receive the proceeds privately and in a timely manner
• Guarantees at Maturity and on Death – this means no matter how the market is performing your investments have the potential for downside protection
• Preferred Pricing – assets can receive a reduction in fee’s

We have attached a Risk Profile questionnaire link.

Should you want an assessment done on an existing Portfolio(s) with and/or without us as current advisors, we ask you complete this questionnaire if you have not already.

Your most recent statement should be submitted as well for Bob and myself to make recommendations.

As always we do appreciate your confidence in our services and do look forward to hearing back from you.

As investors become more concerned about managing risk in their portfolios and protecting their principal,
guaranteed investment funds – with their guarantees and unique estate planning features – are more in
demand. Empire Life Guaranteed Investment Funds can give you the growth potential of investment funds
with the security of insurance guarantees.
What are Empire Life Guaranteed Investment Funds?
Empire Life Guaranteed Investment Funds are segregated funds sold by Empire Life. The funds are available
within an insurance policy, allowing you to benefit from valuable maturity and death benefit guarantees.
You don’t buy the fund units directly, but the units are used to determine the benefit value
of your policy.
Maturity Benefit Guarantee
As part of an insurance policy, Empire Life Guaranteed Investment Funds have a maturity benefit guarantee
option of 75% or 100% net deposits.. When the policy matures, you are guaranteed to receive the greater of
75% (or 100%) of your net deposits, or the market value of your investments.1
Death Benefit Guarantee
Today more people are recognizing the valuable insurance protection the death benefit guarantee provides
during their saving and retirement years. Empire Life Guaranteed Investment Funds offer a choice of 75% or
100% death benefit guarantee to the beneficiary or estate. 1 ,2 This means no matter how markets perform,
your investments have the potential for downside protection.
Resetting Guarantees
Empire Life Guaranteed Investment Funds offer automatic annual death benefit guarantee resets until
age 80 and the option for you to reset the maturity benefit guarantee up to twice per calendar year.3 If the
market value of your contract is higher than your net deposits on the reset dates, the guaranteed amounts
will be reset based on the higher value.
Ability to Bypass Probate
As an insurance policy, the death benefit of Empire Life Guaranteed Investment Funds is paid directly to
the named beneficiary rather than to the estate. This means the value of your guaranteed investment fund
may bypass probate, a costly and lengthy process, allowing your named beneficiary to receive the proceeds
faster and privately.
GET MORE
FOR YOUR MONEY
with Empire Life Guaranteed Investment Funds
Consumer Protection
The Empire Life Insurance Company is a member of Assuris. Assuris is the not for profit organization that protects Canadian policyholders in the event their life insurance company fails. Details about Assuris’ protection are available at www.assuris.ca or by calling the Assuris Information Centre at 1-866-878-1225.
Protection
• Choice of 75% or 100% maturity benefit guarantee
• Choice of 75% or 100% death benefit guarantee on deposits made to age 902
• Automatic annual death benefit guarantee resets until age 80 to lock in market gains
• Freedom from estate and probate fees if you name a beneficiary other than your estate
• Potential protection from creditors
Choice
• Diversified investment choices ranging from fixed income to 100% equity, including our tactically managed programs Emblem GIF Portfolios and Multi-Strategy GIFs
Investment Expertise
• For over 50 years, Empire Life has been providing Canadians with the investments they need to build wealth, generate income, and achieve financial security
1 The maturity and death benefit guarantees are reduced proportionately for withdrawals.
2 100% available on contracts issued prior to the annuitant’s 80th birthday, otherwise 75% of net deposits.
3 Two client-initiated resets of the 100% maturity benefit guarantee are available on contracts where there is at least 15 years to the maturity date resets can be made up to December 31st of the year the annuitant turns 90.
The information in this document is for general information purposes only and is not to be construed as providing legal, tax, financial or professional advice. The Empire Life Insurance Company assumes no responsibility for any reliance made on or misuse or omissions of the information contained in this document. Please seek professional advice before making any decision.
A description of the key features of the individual variable insurance contract is contained in the Information Folder for the product being considered. Any amount that is allocated to a Segregated Fund is invested at the risk of the contract owner and may increase or
decrease in value.
Empire Life Emblem GIF Portfolios currently invest primarily in units of Empire Life Mutual Funds. The Simplified Prospectus and other information about each of the underlying mutual funds are available on the SEDAR website at www.sedar.com or at www.empirelifeinvestments.ca. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
® Registered trademark of The Empire Life Insurance Company. Policies are issued by The Empire Life Insurance Company.
INP-0010-EN-07/20
Insurance & Investments – Simple. Fast. Easy.®
empire.ca info@empire.ca 1 877 548-1881
The Empire Life Insurance Company
259 King Street East, Kingston, ON K7L 3A8
To get Empire Life Guaranteed Investment Funds working for you today, speak to
your advisor or visit www.empire.ca

Peter