“ihe CGA,

Your needs a priority when choosing adviser

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, asking 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 that company or those prod- ucts. ./ .. “Ask about business experience and professional designations and memberships.” ;

The financial adviser must speak

_.in clear language 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.

For over-all advice, consult the

roster of Registered Financial Planners ‘published ‘by. The B.C. ‘-

Association of Financial. Planners (BCAFP)..

* This list shows experience, the services provided, whether the per-

_ son sells any financial products and

how the planner is paid (fee for ser- vice, commissions or both). ; The roster also includes’ A Consumer’ Guide from the -BCAFP, #302 - 1107 Homer, phone 682-7573. . “Before you. meet with any

financial (or legai) adviser, prepare’

a one-page summary of your per-

*: sonal, financial and possibly legal

situation, listing the two or three -areas in which you need help,” said Always: get cost estimates, preferably in writing. All, financial. institutions sell

retirement products like registered -

retirement savings plans (RRSPs)

and income funds (RRIFs), and

many also sell mutual funds. However, the quality of tax and

investment advice can vary widely.

Interested In Reducing Yo 2 te} Tax Bill 22?

~Call-925-1009

for an

RRSP

Appointment

AVIS LAPHAM FINANCIAL SERVICES

Avis M. Lapham RFP CLU, CHFC * $300 - 1497 Marine Drive, "West Vancouver, BC V7T 1B8

to. Financial . Planning. You can get a free copy

Vancouver . V6B —2Y1;

NEWS photo Cindy Goodman

INDEPENDENT FINANCIAL adviser and News columnist Mike Grenby, pictured with his dog Sprog, provided financial infor- mation and tax tips at North Vancouver's Carson Graham school on Feb. 4 during the annual Money Matters show.

Trevor Bromley

Rates Subject To Change Without Notice Minimum $25,000 Provincial Government-

Guaranteed 5 Year Compound.

Call 981-6600

North Shore's #1 Investment Firm Suite 250 - 15th Street, West Vancouver

RBC DOMINION

SECURITIES Member of Royal Bank Group

| Monday, Feb. 20, 1995

HELPING THE WORLD WRITE NOW

a

CODE

Self-suffictency through literacy in the developing world For information, call 1-800-661-2633

DISCOVER how to: Command Success‘and Satisfaction in your life! So vou will Through Self-Acceptance have the confidence to courageously achieve your goals!

John R. Vande Pol Jl asws ACIAcb, Lind.

Wednesday, Feb. 22, 1995. The Avalon Hotel

1025 Marine Drive _ NORTH VANCOUVER

K. Magnussen RecCentre 937 Lynn Valley Rd. NORTH VANCOUVER |

_AT 7:30 P.M. ATTENDANCE IS FREE - Seating is limited

‘Just come by or call John 984-8234 . to reserve your seat

P.M.A. INTERNATIONAL CO.

You will NOT be asked to buy Books, Tapes or Investments!

The Working Opportunity Fund is a tax assisted pro- gram. For every dollar you invest in the Working Opportunity Fund, you receive a 20¢ Provincial

Tax Credit and a 20¢ Federal Tax Credit. If you contribute your Working Opportunity Fund

shares to an.RRSP your total immediate tax

savings could be approximately 80¢ on every dollar invested. *

WORKING. FINS ce

For details call:. 668-1668 Jim Dartnell, CIM, EC.S.I. Manager-Research

_ of Santo Sandhu, B.Ed. 668-1678

For evory dollar invested you will receive:

20¢

Provincial Tox Credit

20¢

Federal Tox Gedit Savings

40¢

Approximate lox Savi with RRP tontribution®

20¢ Adal Cost

af Your Investment®

* Based on a subscription of $5,000 by a qualifying 8.C. resident with an annual taxoble income of approximately $35,000. The equivclent total tax savings per dollar invested ore approximately 67¢ for a torable income of $25,000 and approximately 95¢ for o toxable income of $60,000.

This advertisement is nor a solicitation or an offer to sell securities of Working Opoarunity Fund (EVCC] tid. The offer is made solely by u prospectus which contains full detads.