Michael Irwin, Financial Planner and Investment Representative
34 Merton Street K1Y 1V5

Government workers, pensioned employees, and public service workers are unknowingly HURTING their retirement. Ottawa is a hub of government workers at various levels of government, and host to many necessary public service providers like nurses, police officers, and fire fighters, among many others. As pensioned employees, it's exciting to receive that pension envelope telling you how much you will make in X amount of years when you "retire". ... (Or maybe it reminds you how long you have to go, but there is a solution for that!) Did you know that between now and then, you are likely HURTING rather than helping your retirement nest egg. How do I know? Because I see it when I sit down with people just like you. One common thing I hear is that people often leave banks and brokerages with more questions than answers, and this is not acceptable. Making small but incorrect financial decisions over the course of 10-15 years can have egregious impact on your financial health in retirement. This can cause you to : - Pay more tax than necessary currently and in retirement - Give up years of income longevity - Lose your legacy that you want to leave for your children or favorite charity If you are a government worker at any level, or other pensioned employee, I am making you this promise... I am going to open my schedule each day for a 20 minutes conversation at 10am and 1pm for you to pepper me with questions. FREE OF CHARGE. This will be on a first come first serve basis so you need to call me, message me, email me, carrier pigeon, whatever you use to communicate today! Why would I offer this? Because I know I can help you by providing you the information you need to have a healthier, happier, and more stress free retirement. Yours in financial success, Michael Irwin PS. Know a government worker or public service employee? Feel free to tag them in comments or share the post! Information is powerful and necessary to help people thrive.

https://www.financialplanningforcanadians.ca//the-new-reti

https://www.huffingtonpost.ca//mortgage-rates-big-banks-/

Let’s face it, you have heard it from every institution, banker, advisor, and family member. Make sure you invest in your RRSP before March 1st, 2019! Let’s face it, your 2019 probably started off with a great resolution that involved saving more money.... So you give up your lattés. Cancel your memberships. Sell your favorite lamp. And you make your contribution! Not your full allowance, but it is a contribution none the less right? Right? But now what With no deadline being pressed upon the consumer, we start to hear less and less from the banks and advisors. It seems our contribution even satisfied the pressures of our family members. We start to indulge a bit more. Buy some new things on Amazon Prime. We have a new favorite lamp. And all of a sudden it will be 2020 and we are scraping by for another RRSP contribution. But what if the coveted RRSP contribution isn’t all it’s cut out to be? What if there was a much better way to become financially comfortable WITHOUT making all the sacrifices in the short team? Mike, I don’t believe you! Well Negative Nancy, there is. Ready for the answer? Here it is: Step 1 Proper planning. Not the kind you get when you are treated as a number as a big institution. Genuinely engaged planning from advisors that treat you as a human being. Planning that takes in to account your values, your principles, and your dreams. Step 2 Accountability It goes without saying that someone held accountable will inevitably reach their goal because they have the added support. Easy. Mike, it can’t be that easy, I heard from so and so near the water cooler at work about how to get rich and retire faster Sorry to tell you, there is no overnight success formula to achieving financial independence. (And if they had the answer to retiring faster, why are they still chatting by the water cooler at work?) Rest assured however that it is possible. I’ve seen it with my own eyes. It can be done, and I can help you if you are willing to help yourself. Want to request an appointment? Simply type Yes please in the comments. Yours in money, Michael Irwin

https://business.financialpost.com//three-behavioural-barr