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@ CAPITAL CONSULTANTS LTD.

600 - 390 West Fender Si., Vancouver, | B.C, V6C 19 © Tel 662-3060 . Fax 687-1327

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< CAPITAL CONSULTANTS LTD.

_ MUTUAL FUND & RRSP. BROKERS

“Tel: 662-3060

“ASK ABOUT: AGF, C.i, GROUP, BOLTON, CUNDILL, DYNAMIC, FIDELITY, GLOBAL
_ STRATAGY, MACKENZE, SAGIT, TEMPLETON, TRIMARK, 20/20, " UNITED, .
=: ” UNIVERSAL AND OTHERS. .

Financial

earn y

‘YOU SPEND most of your
time and energy dealing with -

everyday life: the never-ending
challenges and crises at work
and at home. So when it comes
to managing your money, ask-
ing for help can indeed make
dollars, and sense.

“Look for the type of financial
adviser who has the skills to deal
with your situation,” said a certified
general accountant (CGA) who
works with both businesses and
individuals.

“Make sure the person is honest
and objective —- more interested in
your needs than his or her commis-
sion or fee.

“Always find out how the person
is paid; ideally get this in writing.
if the person works for a particular
company or sells certain financial

_ products, he or she will tend to favor .

Hi
u tax

that company or those products.
“Ask about business experience
and professional designations and
memberships.”
The financial adviser
must speak in clear Jan-
guage so you
understand
everything. — If
you don’t, said
the «CGA, ask
questions © until
you do. Also,
you must feel
comfortable
enough with the
adviser so you can
discuss the many
personal matters which can
affect your financial planning.
Soine financial planners provide

- general advice touching most or all:

of the following key areas, while
others specialize only in: °- :
O Tax planning: “An accountant

~ when you are saving, investing, bor- °*.
rowing or exchanging - — to or from *.
. @ foreign currency’ — large amounts

LAWYER?

Peace of mind

LIGGETT

& COMPANY

LAW CORPORATION
BARRISTERS & SOLICITORS.

CONVENIENT |

FRIENDLY SERVICE
FOR ALL YOUR LEGAL NEEDS

_'Y BUSINESS & PERSONAL |
SERVING:

“SQUAMISH

BOWEN ISLAND
: SUNSHINE COAST
LOWER MAINLAND ,

892-9383:
947-9466
885-3868
987-9381

CALL ANYTIME, (Ye

We are pleased to assist our clients with
WILLS, TRUSTS ‘and ESTATES

ivisers
enefits —

will do your tax return and also pro-

vide ongoing advice,” the CGA said.’
The CGA Association of B.C:
(732-1211), based in Vancouver,
will give you the names of members
in your area who offer the

" services you need (personal . :

tax ‘advice, setting up or - -

running a business, estate
planning, and so on).
. & Banking: Turn to

‘your banker mainiy for “

advice on. how. to use
the services provided,
by the bank, trust com-
pany or credit union for

your. everyday; saving, |

chequing and borrowing

plus less frequent invest-

ment, foreign exchange. and
other dealings.

Ail financial - institutions «sell

retirement products like registered

retirement ‘savings ‘plans -(RRSPs)

and income’ funds -(RRIFs),” and
many also - sell“ mutual’
However,’ the ‘quality : ‘Of: tax"and*:.

~~ investment-advice can vary widely.

“Competition | thrives,” the CGA |
said, “so it pays to shop’ around

of money.”

Ci Insurance: Car and other proper- a

ty. insurance is less complex than
life “and disability coverage, -Life’

" insurance companies also offer sav- *

ings, retirement income and invest- |
ment fund products.
“Hf you deal with’a salesperson

funds.

who represents. only one company, 4:

also contact a.broker who will. tell
_you what other companies offer.”
‘C1: Investing: Stockbrokers, ‘mutual .

’ fund salespeople,’ ‘real estate sales-” -
people — first invest your time talk-:-
ing to these. individuals until you

"find “the. one(s): who. can fit” your
expertise und.risk tolerance. Only
then invest your money.) <7:

© Legal matters::You will turn toa -

lawyer ‘or notary’ when you. deal
with, for example, wills, powers: of.
attorney and reat estate transactions,
or if you need legal advice for law-
suits, contracts, setting up or: break-

ing up.a personal or business’ tela- no

: tionship.
Through the Lawyer‘ Referral

_ Service (in the phone. book’ S. white, ‘

"See Advice page 37.

A TIMELY ALTERNATIVE FROM ROYAL BANK.

- Royal Bank understands that building a retirement savings plan today is
invaluable for a well-earned retirement tomorrow.

That's where the RSP-Matic Contribution Plan, comes in with easy-to- manage
monthly, automatic contributions. ~ ;

Each month, use your Royal Bank:savings or chequing account to contribute
“a pre- -authorized amount to your Retirement Savings Plan... >” :

_The RSP-Matic Contribution Plan enables you to maximize
your annual contribution, build a larger RSP. balance,
and benefit from immediate i income tax savings -

all at no extra cost.

,

For more information, pick up an RSP-Matic
brochure at your nearest Royal Bank. branch.