I have uploaded this presentation to give business owners a better understanding of how we work with them on group benefits and group investments. It explains our added-value approach - implementing the plan plus working with employees on their personal financial planning needs. Enjoy!

1. A personalized approach
to financial planning
designed to help you
prosper now and over time.

2. Investors Group:
A wealth of experience and expertise
POWER FINANCIAL
CORPORATION
GREAT-WEST
LIFECO INC.
IGM FINANCIAL INC.
LONDON
LIFE
MACKENZIE
INC.
GREAT-WEST
LIFE
IPC FINANCIAL
NETWORK INC.
CANADA
LIFE
INVESTORS
GROUP INC.
INVESTORS GROUP
FINANCIAL SERVICES
INVESTORS GROUP
SECURITIES INC.
Over 80 years experience
serving investors
Comprehensive investment
management expertise
One of Canada’s Largest
Financial Institutions
More than 400 offices
from coast to coast
A member of the Power
Financial Corporation
Group of Companies

3. A product shelf
designed for diversity
Investments
Mutual Funds
Guaranteed Investment Funds
Managed Asset Program
Tax Advantaged Funds
RRSPs, RRIFs, RESPs
Tax-Free Savings Account
Group Investment Plans
GICs
Annuities
Brokerage Services through
Investors Group Securities Inc.
Insurance
Life
Disability
Critical Illness
Long Term Care
Personal Health Care
Group Health Plans
Symphony Strategic
Investment PlanningTM
Lending
Mortgages
Loans
Lines of Credit
Banking
Chequing
Savings
Credit Cards
© Investors Group Inc. 2011 C3198 (01/2011-W)
World-Class Choices - As at January 2011
Investment products and services are offered through Investors Group Financial Services
Inc. (in Québec, a Financial Service Firm) and Investors Group Securities Inc. (in Québec, a
firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian
Investor Protection Fund.
GICs issued by Investors Group Trust Co Ltd., and/or other non-affiliated GIC issuers.
Insurance products and services distributed through I.G. Insurance Services Inc. (in Québec,
a Financial Services Firm). Insurance license sponsored by The Great-West Life Assurance
Company (outside of Québec).
Mortgages are offered through I.G. Investment Management, Ltd.*. Inquires will be referred
to a Mortgage Planning (Agent) Specialist. *In the Province of Ontario, Mortgage Brokerage
Licence #10809. Mortgage Administrator Licence #11256.
Commissions, fees and expenses may be associated with mutual fund investments and the
use of Symphony Strategic Investment Planning™. Read the prospectus and speak to an
Investors Group Consultant before investing. Mutual funds are not guaranteed, values
change frequently and past performance may not be repeated. Symphony is an asset
allocation service which provides a strategic approach to investment planning relating only
to Investors Group mutual funds.
Banking products and services are distributed through Solutions Banking™. Solutions
Banking products and services are provided by National Bank of Canada.
™ Solutions Banking is a trademark of Power Financial Corporation. Investors Group and
design are trademarks owned by IGM Financial Inc. and licensed to its subsidiary
corporations. National Bank of Canada is a licensed user of these trademarks.
Trademarks of financial partners appear with their specific approval.

4. 4
Types of Group Plans
Group Benefit Plans (Group Insurance)
Group Investment Plans

5. 5
Group Benefits
that Work

6. 6
Group Benefits
We have direct relationships with the top Group
Benefit providers in Canada:
Great-West Life provides group benefits to 1 in 3
businesses in Canada
Manulife provides group benefits to 1 in 10
businesses in Canada

7. 7
Group Benefits
 Extended health benefits
 Comprehensive prescription drug coverage
 Out-of-country coverage
 Critical illness – individual and grouped
 Best Doctors
 Enhanced paramedical coverage
 Dental care
 Additional income protection
 Long-term and short-term income replacement plans
 Life insurance
 Additional plan options
 Medical reimbursement plan
 Employee assistance programs

8. 8
Group Benefits
Why Group Benefits?
 Time saving online claims
 Class customized plan according to your company goals and
objectives
 Power of group, Tax advantages for all
 Holistic coordination between insurance and investment
group plans
 Customized services and support
 Direct access to Great West Life, Manulife, Sunlife
 The 3 largest group insurance companies (1/3 and 1/10)

9. 9
Group Benefits
Why Group Benefits with Investors Group?
 Easy to administrate and set up– convenient for employees
 More than a group provider
 We will coordinate benefits from other family member’s group plans to save
the cost or duplications of benefits.
 Life and living benefits for everyone
 Individual financial planning for you and your staff
 Integrated tax solutions
 No brokerage or enrollment fees for our service

10. 10
Group Investments
that Work

11. 11
Group Investments
Our organization has over $182 Billion* in assets
under administration and we are serving over
12 million Canadians *as of December 2009

12. 12
Group Investments
Types of Plans
 Registered Pension Plan (RPP)
 Deferred Profit Sharing Plan (DPSP)
 Group Registered Retirement Savings Plan (RRSP)
 Tax Free Savings Account (TFSA)
 Individual Pension Plan (IPP)
 Investment only services
 Non-registered plans
 Stock plans

13. 13
Group Investments
Why Group Investments?
 Easy payroll deductions
 Employee meetings
 Preferred investment fees
 Power of group
 Tax deferred
 Customized services and support
 A diversified portfolio managed by professionals
rebalancing your investments over time
 Helps simplify your retirement investing decisions

14. 14
Group Investments
Employee Perspective
 Savings for retirement
 Employer money for retirement
 Help with retirement planning
 Cash if you need it
 Access to a financial planner

15. 15
Group Plan Concepts

16. 16
Payroll Deductions
Tax benefit is earlier in group plans

17. 17
Group DPSP/RRSP Combo
Example of restructuring salary increases:
ABC Company Payroll: $1,000,000 for 30 Employees
Percentage Pay Increase: 4%
Company Spends : Wages or RRSP RPP/DPSP
Actual Increase $40,000 $40,000
Add: CPP - 4.95% (1) $ 1,980 $ 0
EI – 2.42% (2) $ 968 $ 0
Vacation Pay - 4.0% (3) $ 1,600 $ 0
Workers Comp – 4.30% (4) $ 1,720 $ 0
TOTAL $46,268 $40,000
Employees Get:
Actual Increase $40,000 $40,000
Less: CPP - 4.95% $ 1,980 $ 0
EI - 1.73% $ 692 $ 0
Income Tax - 30% $12,000 $ 0
TOTAL $25,328 $40,000

18. Rewarding Employees Effectively

19. Rewarding Employees Effectively

20. 20
Comprehensive
Financial Planning

21. 21
 Income Tax Planning
 Estate Planning
 Insurance Planning*
 Cash Flow Planning
 Retirement Planning
 Investment Planning
* Insurance products and services distributed through I.G. Insurance Services Inc.
Insurance license sponsored by The Great West Life Assurance Company.
Six Pillars of Financial Planning

22. We look for opportunities…
Are your investments
suitable for your goals?
Can you pay less tax?
Will you have the income
you need to retire and do
the things you want to do?
Can you retire
when you want to?
Do you have the right
amount and types of
insurance?
Will your estate transfer
efficiently and tax-
effectively?
Do you have control
over your income?
1. Tax planning
2. Estate planning
3. Insurance planning
4. Cash Management
5. Retirement planning
6. Investment planning
1. 2.
3.
4.5.
6.

23. 23
The Six Step Planning Process
1. Goal Setting
2. Data Gathering
3. Financial Analysis
4. Plan Formulation and Recommendations
5. Plan Implementation
6. Monitoring and Plan Review
We don’t miss a step.

24. 24
Financial Planning for
Business Owners

25. 25
 Tax Minimization
 Invest Corporate Retained Earnings Tax Effectively
 Withdrawing from Corporation Tax Effectively
 Planning for retirement that won’t slow you down
 Buy-sell Agreement with Business Partners
 Business Succession Plan
 Key Person Protection
Planning for Business Owners

26. 26
Getting Started with
Group Plans

27. 27
Group Plan - Initial Process
 Employee data
 Experience for past 3-5 years
 Current employee booklets
 Current premiums
 Possible enhancements
 Service expectations
 Timeline

28. 28
Questions?

29. 29
This Presentation
 Is provided by Investors Group Financial Services Inc. (In Quebec, a financial services
firm).
 Is provided by Investors Group Securities Inc. (In Quebec, a firm in financial planning).
 Is presented as a general source of information only, and is not intended as a solicitation
to buy or sell investments, nor is it intended to provide professional advice including,
without limitation, investment, financial, legal, accounting or tax advice. For more
information on this topic or on any other investment or financial matters, please contact
an Investors Group Consultant
 Although we have tried to ensure the accuracy of this information, tax laws change
frequently so the provisions and exemptions mentioned in this presentation may change.
 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.
 A financial plan is based not only on the accuracy of the information provided by the
client, but also on certain assumptions that may or may not be accurate. Accordingly, the
results presented in a financial plan are based on projections that may significantly change
if these assumptions are inaccurate. Therefore, it is important to monitor your financial
plan and to update it frequently.
 ™ Trademark owned by IGM Financial Inc. and licensed to its subsidiary corporations.