Tag Archives: CPP

The Canada Pension Plan—When Is the Right Time for You?

When it comes to the Canada Pension Plan (CPP), it really is a matter of deciding when to take it. While there is no rule of thumb, there is a specific answer for each person. In today’s blog post, I will give a quick overview of what the Canada Pension Plan is, and show you how to find the right time to collect this retirement pension.

What is the Canada Pension Plan and who is eligible?

The Canada Pension Plan is a retirement pension that provides a monthly taxable benefit to retired contributors.

To be eligible for the CPP, there are three qualifications:

1. You must have worked in Canada
2. You must have made at least one contribution to the CPP
3. You must be at least 60 years of age



When can you begin to receive your Canada Pension Plan?

The earliest you can begin to receive your CPP is at the age of 60. However, the standard age to start is 65, and there are definite advantages if you choose to defer collecting your pension. From 2012 to 2016, new rules in the Canadian government state that the early pension reduction will gradually be increased from 0.5% to 0.6% per month if you take it before the age of 65. This means that by 2016, if you are at the age of 60 and decide to collect your pension, you will be penalized and your pension amount would be 36% less overall than it would have been if you had taken it at the age of 65.

If you choose to delay receiving your CPP, the latest you can defer taking it is at the age of 70. Under the new rules, for every month you elect to wait past the age of 65, you will receive an enhancement of 0.7% per month. This means that if you choose to collect your CPP at the age of 70, you will receive an overall enhancement of 42% enhancement to your pension.

Tips

1) Get an estimate of what your pension is going to be.

If you are approaching retirement, it is important to obtain an estimate for your pension. Try using the Canada Retirement Income Calculator to help you get started.

2) Consider all the factors before deciding to take your pension.

  1. Are you still working and contributing to the CPP? Continued contributions will enhance your CPP when you decide to collect.
  2. How long have you contributed for? The longer you contribute, the more you will receive.
  3. What are your other sources of retirement income? CPP income is taxable income. By collecting your pension early, this means that adding more income to your plan could push you into a higher tax bracket. If you don’t need the extra income, avoid this step.

3) Recognize that your health may play a role in helping you decide to collect your CPP.

If your health is poor, you may want to start collecting early to ensure you receive as much benefits throughout your lifetime as possible. Remember that the earliest you can start to receive your CPP is at the age of 60. Sometimes, this may be a better option for you.

4) Be very, very clear on what your retirement plans are.

Ask yourself: do I want to retire? Do I need to retire? Just because there is money available to you, it doesn’t mean you have to accept it. You can wait and defer it until you are 70. Knowing what your retirement plans are is very important because it will help you get a better idea of when the right time to collect is for you.

5) Find out if it is better or worse for you if you delay receiving your pension.

If you stop working at the age of 60, but defer collecting your pension until 65, you must take into account the extra five years of no income. In essence, you are lowering your average wage over the life of the plan by including these zero income years, which will likely reduce your overall CPP benefit.

As I said in the beginning, there is no rule of thumb when it comes to knowing when to apply for your Canada Pension Plan, but there is a right answer for you. You can begin by collecting your CPP only when you need to, and not before, but the most important thing to remember is to always assess your situation in conjunction with your overall financial plan. Financial planning is key because it allows you to work with a CFP and come up with a comprehensive plan that will show you how the different scenarios in life could affect your finances in the future. For example, if you are wondering what would happen if you start collecting your CPP at the age of 65, your CFP could model that out for you so that it becomes clearer.

Financial planning is so critical to your future and a key component to making good decisions. Head over to our website to check out the different tools and resources we have to offer, including your report on the 12 Key Questions You Must Ask a Financial Planner before You Hire One, and work with your financial planner today to talk about your Canada Pension Plan.

Related Links
Choosing a Financial Planner
https://www.ironshield.ca/landing/how-to-choose-and-work-with-a-financial-planner-you-can-trust/

Mistakes in Retirement Planning
https://www.ironshield.ca/articles/four-mistakes-to-avoid-when-creating-a-retirement-income-plan/

Canada Pension Plan—Changes to the Rules
http://www.servicecanada.gc.ca/eng/services/pensions/cpp/retirement/age.shtml

KEY010 | The Canada Pension Plan – Should you take a reduced Canada Pension Plan now? Or a full Canada Pension Plan later?

The Canada Pension Plan – Should you take a reduced Canada Pension Plan now? Or a full Canada Pension Plan later?

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In This Episode

In this edition of The Key To Retirement™, we’re going to talk about the Canada Pension Plan and answer the question “Should you take a reduced Canada Pension Plan now or a full Canada Pension Plan later?

Bonus Segment

In today’s bonus segment we’ll share with you how to get your own copy of a FREE Special Report titled “12 Key Questions You Must Ask A Financial Planner BEFORE You Hire One!”  This free report is a must read if you’re thinking of interviewing a Certified Financial Planner in your area.

And if you’d like to get a jump start on finding the answers to your key financial planning questions, using our proven system, you can book your risk free, no-obligation initial meeting. One of our specifically trained Certified Financial Planners will be pleased to walk you through The KAIZEN Financial Planning Process™.  Visit us online, at ironshield.ca, to obtain our contact information, then simply call or email to book your free initial meeting.

 

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KEY007 | Dispelling the myths and misconceptions surrounding Tax Free Savings Accounts…

Dispelling the myths and misconceptions surrounding Tax Free Savings Accounts.

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In This Episode

In this edition of The Key To Retirement, we’re going to dispel the myths and misconceptions surrounding Tax Free Savings Accounts.

Bonus Segment

In today’s bonus segment I’d like to share a website that will allow you to learn just about any piece of software through professionally created online training and tutorial videos.

And if you’d like to get a jump start on finding the answers to your key financial planning questions, using our proven system, you can book your risk free, no-obligation initial meeting. One of our specifically trained Certified Financial Planners will be pleased to walk you through The KAIZEN Financial Planning Process.  Visit us online, at ironshield.ca, to obtain our contact information, then simply call or email to book your free initial meeting.

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KEY005 | The Four Mistakes Retirees Need To Avoid When Creating A Retirement Income Plan

The Four Mistakes Retirees Need To Avoid When Creating A Retirement Income Plan.

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In This Episode

In this edition of The Key To Retirement, we’re going to discuss the 4 mistakes retirees need to avoid when creating a retirement income plan.

Bonus Segment

In today’s bonus segment we’re going to show you a trick to listen to your information in half the time it usually takes.

And if you’d like to get a jump start on finding the answers to your key financial planning questions, using our proven system, you can book your risk free, no-obligation initial meeting. One of our specifically trained Certified Financial Planners will be pleased to walk you through The KAIZEN Financial Planning Process.  Visit us online, at ironshield.ca, to obtain our contact information, then simply call or email to book your free initial meeting.

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Episode Transcript

Scott:

In today’s feature segment, we are going to talk about the four mistakes retirees need to avoid when creating a retirement income plan.

And these mistakes are:

  1. Not factoring in inflation
  2. Not factoring in income taxes
  3. Poorly structuring investment management fees, and finally
  4. The myth that you need to match your fixed income exposure to your age

So, let’s start with the mistake of not factoring inflation in to your projected retirement income needs.  How long your money lasts is a direct result of how much it’s going to cost you each year to live your life.

So, let’s say you determine that “life” is going to cost you $5,000/month.  As time goes on, inflation begins to eat away at the purchasing power of that $5000.  “Things” – those things you eat, you wear, you drive – get more and more expensive.  Don’t get fooled into thinking that your costs today are going to match your costs tomorrow.  They won’t.

Need proof?  In 1962, it cost 5 cents to mail a letter in the US.  30 years later it was 29 cents.  19 years later it costs 44 cents.  That’s an average inflation rate of 4.53%.  Did your income grow by more than 4.53%/year?

During your working years, it is easier to anticipate inflation and most salaries at least keep pace with the general increase in prices, but it becomes a real problem when you’re on a fixed income.  And that’s when your standard of living can be affected, if you haven’t planned properly.

Let’s get back to the example of $5000/month that you need to cover your expenses in retirement.  You’ve calculated that in today’s dollars.  But your retirement is likely to last 20+ years.

Over the last 20 years in Canada, inflation has averaged about 2% a year.  It doesn’t sound like much, and of course how deeply you feel the increase in prices depends upon the actual goods and services you buy compared to the “basket” of goods tracked by the Consumer Price Index or “CPI”.  Regardless of that though, if your expenses increase by 2% a year, in 20 years it will cost you $7430/month to live that same life.

Inflation is what I call the silent “killer” of financial plans.  If you don’t factor inflation in, you may as well not even bother writing the financial plan.

To put it another way, a $1,000,000 portfolio growing at 8% a year with a monthly withdrawal of $5,000 will be worth $2,165,788 in 25 years.

However, if you adjust the $5,000/month to keep pace with inflation, and we’ll use the 2% inflation rate we just talked about, the account will have a value of $1,408,173 in 25 years – a difference of $757,615!

Ok, so now we know the effects of inflation.

But, mistake #2 would be not factoring in income taxes.

If you need $5,000/month to cover your living expenses, you will need to withdraw more than $5,000/month to have enough to pay the income tax bill and still have enough left to cover your living expenses.

Using the previous assumptions, but now taxing that $5000/month at a 30% tax bracket, you will have exhausted your portfolio by the 19th year.

Cathy:   

Reminds me of the old saying, “Nothing is certain but death and taxes”!

Scott:

You can say that again.

Now, once you’ve taken into account inflation and taxes, you’re still not done.

Mistake #3 is poorly structuring the investment management fees paid to your investment management team.  Another common mistake.

Now, chances are you’re investing in mutual funds.  And, if you are, then you are paying a fee to the mutual fund company to manage your money.  On average, you would be paying approximately 2.5% for this.

What this means is that if your portfolio generated an 8% gross return, you would only see 5.5% as you paid 2.5% to the manager to manage the account.

Now, here’s a little trick to reduce the impact of the management fee – without changing your portfolio.

Contact your advisor and say that you want to change the way the management fee is charged to your portfolio.  Instead of having the MER paid before you see your distributions, ask to have the fee “unbundled”.

What this means is that they will pay to your portfolio the full return generated (in this example it was 8%).  Then, they will charge your portfolio the management fee (in this example, 2.5%).  By separating the fee from the return, you’ve earned yourself a tax deduction of this amount on any non-registered investment accounts you have.

CRA’s bulletin IT-238R2, states that you can deduct from your taxable income, any amount you paid for investment counseling on your taxable accounts.  Therefore, at a 30% tax bracket, a 2.5% management fee turns into a net management fee of 1.75%.

You know I find it amazing how people often look to improve performance by adding more risk to a portfolio, when sometimes simple tax deductions will do the trick for you.

If you want more information on this, visit www.freefinancialplanningvideos.com to watch the free video that explains exactly how to do this.

And finally, let’s dispel the myth that you base your asset allocation on your age.

The theory is that you match the percentage of your portfolio allocated to fixed income to your age.  Now, on the surface this sounds pretty logical.  I mean if you are 80 years old, doesn’t it make sense to have 80% of your portfolio in bonds?  But, if you follow this approach, you will be setting yourself up for a major drop in income.

With interest rates as low as they are today, bonds are paying next to nothing and the upside is limited with the threat of rising interest rates.

I spoke with Mike Flux, VP of Connor, Clark & Lunn Private Capital – one of the largest investment counseling firms in Canada – and their analysis shows that the return expectation on fixed income is running between 2-5%, before fees and taxes and inflation.

Such a heavy weighting in that type of security will make it very difficult to counter the combined effects of inflation and taxes that we’ve talked about today.  Stocks, or the equity securities in your portfolio are better suited to at least keeping pace with inflation over the long run, as companies’ revenues increase and you share in those earnings through either dividends or capital appreciation.

So, the old adage of match your fixed income exposure to your age may lead you straight to under performance.  Like so many other investment rules of thumb, it oversimplifies complex issues.

No matter how old a person is, a sound asset-allocation program starts with one’s net worth, expected income needs and risk tolerance.

Everyone’s circumstances are different. The age-allocation adage makes little sense for most people and may just interfere with you achieving your goals.

If you’re interested in finding out what other options are available to help bolster returns in your portfolio, please visit the show notes.  I will post a link to an exclusive presentation called “A trifecta investment solution designed to enhance performance, reduce volatility and provide a tax-efficient income”.

So, go now and re-crunch your retirement income numbers – making sure you have accounted for all of these variables.  Contact your investment advisor to change how your portfolio’s management fee is paid so you can capture a new tax deduction known to very few Canadians.

And, visit www.freefinancialplanningvideos.com to get immediate access to The Six Mistakes Retirees Make With Their Finances FREE Video Series and find a certified financial planner who you can work with.

KEY004 | The Retirement Trick

The Retirement Trick.

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In This Episode

In this edition of The Key To Retirement, we’re going to talk about The Retirement Trick.

Bonus Segment

In today’s bonus segment we’re going to give you a tool to use to Trick yourself into a fun and comfortable retirement.

And if you’d like to get a jump start on finding the answers to your key financial planning questions, using our proven system, you can book your risk free, no-obligation initial meeting.  One of our specifically trained Certified Financial Planners will be pleased to walk you through The KAIZEN Financial Planning Process.  Visit us online, at ironshield.ca, to obtain our contact information, then simply call or email to book your free initial meeting.

Links to things mentioned in this episode:

  • The Retirement Trick Worksheet (I must give credit where credit is due.  This worksheet was inspired by a tool developed by Dan Sullivan of The Strategic Coach.  In his coaching program (of which I am a faithful student) we are presented with The “Retirement” Trick worksheet to assist us with the idea of ‘retiring’ from everything we don’t like doing and expanding what we love to do.  I recognized the power of this tool and developed my own version to assist clients with their thinking about what things they would like to spend more of their time on while retired.

 

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Episode Transcript

Scott:   As a financial planner, if I do my job right, then you will retire at the age and with the money that you desire.  Now, call me crazy, but I want more for my clients than that.

Cathy: You mean more money?

Scott:   (Chuckle) Likely that would be appreciated, but no.  It’s not just about the money.

I’ve seen many people retire.  Some successfully and some not so successfully.  And, it’s been my experience in helping clients achieve their financial goals for retirement, that the traditional idea of retirement is flawed.

Let me explain.  You see, my clients are probably a lot like the people who are listening to this podcast – hard working and busy.  They’re executives, they’re professionals, they’re self-employed…  And, they’re all getting closer and closer to retirement.

They value the advice of a CFP because they don’t have the time or the expertise to do the financial planning themselves.  And they want it done right.  They want to make sure they’re not making mistakes with their money, that they’re on track for a comfortable retirement and that they’re doing things in the most tax efficient manner.

But just getting there is not enough.  Despite the demands on their time, my clients – after 40+ years in the workforce – are just not ready to change gears and spend the next however many years, sitting on a beach.  Though they may not realize that yet.

Cathy: You know the idea of sitting on a beach really appeals right now.  And I suppose for the first couple of weeks I would enjoy not having to get out of bed in the morning.  Kind of like one Sunday after another.  But soon I’d be looking for a reason to get out of bed again.  Because I actually do thrive on projects and deadlines – the sense of accomplishment when you get the job done.  I must say, I get a lot of satisfaction out of that – though I would prefer a less hectic pace!

Scott:   Exactly!  That’s what I’ve found with the majority of my clients who’ve successfully retired over the years.  And it’s led me to change the way I think about retirement – both mine and my clients’.

I no longer refer to a retirement date as the date that you’ll retire from work.  I like to refer to it as a “financial freedom” date – the date that you will retire from those things that you don’t want to work at any longer.  And the things you do want to work at, well that becomes the basis for your new lifestyle, the one you will enjoy through your retirement years…

Which reminds me of something…  Remember a few years ago we attended a New Year’s Eve party where one of the guests posed a very interesting question?  The question was: “If you didn’t have to work for money, what job or career would you choose”?  A fascinating question!  After we each digested it, we took turns – digging deep – to come up with the thing or things that we would do, even if we weren’t getting paid to do so – our passion.

I must say – after we each began to share our thoughts – I came to realize that I’d really only known some of these people in a superficial way, and, I truly believe that by expressing ourselves the way we did, we came to know ourselves better too.

It got me to thinking that, that job, that career, that “pursuit” that you would do even if you weren’t paid to do it – whatever it is – no longer has to be the path not taken.  I believe retirement, if planned properly, provides the freedom to focus on the things you love and enjoy doing.

Cathy:

You know, Scott, I think you’ve hit on something important here, something that’s missing from the dollars and cents of a financial plan.  If you don’t put some time now into thinking about what you’ll do with your time later, you may be missing an opportunity to maximize your enjoyment of those retirement years.  Transitions aren’t always easy to make.

Being newly retired – even with financial resources – can leave people feeling a little lost.  I’ve seen it happen.  And it would be a shame to think that your quality of life might actually decline in retirement – solely because there’s not enough going on that’s stimulating and rewarding.  Is there a way we can help clients through this pre-retirement stage?

Scott:

Absolutely!  And, to go one better, there’s no reason why everyone can’t start on their “retirement” TODAY!

Now, that doesn’t mean that you need to retire today in order to begin to enjoy those passions.  It means that you need to look at your “idea” of retirement a little differently.

What’s stopping us from taking mini-retirements now?  Turn your vacations into “mini-retirements” and give yourself permission to try new things – a new hobby, activity, or even a new business opportunity.  You’ll also want to ask yourself what     activities you enjoy and want to do more of.  Think about the ways in which your creativity can be channeled.  You may stay on your existing career path, but perhaps in a modified     way.  And maybe you can begin a subtle shift – offloading some aspects of what you do now, that don’t energize you – to focus on those that do.  And when the aspects of work that you do enjoy outweigh those that you don’t enjoy, suddenly retirement doesn’t have to mean the end of work altogether.

We’re talking now in fairly broad strokes about the process we go through with clients,     but when you actually get down to it – when you ask and answer these questions – the     results are quite astounding.  Often, there’s the realization that these “changes” that you’re contemplating for your retirement years – a date that may “financially” still be 5 or more years away – are in many ways do-able now.  You may find that you can begin to make some progress, make some changes now.  And that goes a     long way to improving your quality of life now, as well as creating the framework for an active, creative and fulfilling retirement.

Cathy:

It’s said if you can “see” it, you can believe it.  A retirement you can visualize is one that would be far easier to plan for.  Can you put it into a step-by-step?

Scott:

Absolutely!  I call it The Retirement Trick and it’s easier than you might think.  Here’s how it works:

Answer these questions…

  1. If you were retired today, what activities would you immediately stop doing?  Why?
  2. If you were retired today, what activities would you continue or start doing?  Why?

Now that you have a list of each:

  1. Review each item that you would immediately stop doing.  Are there changes you can make today to stop any of these activities?  List them.
  2. Beside each item in the list of changes you just created, write down in bullet-point form, what the benefits are that you would receive in 12 months if you made this change?
  3. Now that you have a list of the benefits from each change, in the next column, write down some of the biggest obstacles that exist today, that are holding you back from receiving these benefits in the next year.  Be specific.
  4. Now, here’s the amazing part about how our minds are wired.  When we see obstacles, our minds begin to work on solutions to overcome those obstacles.  List all of the ideas and strategies that come to you.  Now that you are clear on what is, or what may be, standing in your way, you can begin to work on solving these problems.  Write these solutions down.

Keep this list close to you.  And update it, as more ideas come to you.  As time goes by, more solutions will come.  Keeping this list handy will provide you with a place to record the solutions.  Review this document at the beginning of each week.  You’ll be amazed at how quickly some of these obstacles begin to disappear.  All because you “tricked” yourself into becoming clear on what was standing in your way.  This was the missing link.

Repeat this process with the list of activities that you would continue or start doing.

Now, in the show notes, I will put a download-able version of this tool that you can use.  So, go there now, and take the 15 minutes that is required to trick yourself into laying the foundation for a successful retirement.
Bonus Segment

On today’s bonus segment, we’re giving you The Retirement Trick tool and user guide to use to help you lay the foundation for a successful retirement.

Visit www.keytoretirement.ca and click on the Podcast link.  There, you will look for Podcast Episode 4, where you will find our free, down-loadable tool, called The Retirement Trick.  Simply re-listen to the section of the podcast where we walked you through how to use the tool successfully.

 

KEY003 | The 9 things you need to know before you can retire comfortably.

The 9 things you need to know before you can retire comfortably.

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If you have a chance, please leave me an honest rating and review on iTunes by clicking here. It will help the show and its ranking in iTunes immensely! I appreciate it! Enjoy the show!

In This Episode

In this edition of The Key To Retirement, we’re going to talk about the 9 things you need to know before you can retire comfortably.

Bonus Segment

In today’s bonus segment we’ll talk about the non-financial side of planning to retire comfortably – your health.

And if you’d like to get a jump start on finding the answers to your key financial planning questions, using our proven system, you can book your risk free, no-obligation initial meeting.  One of our specifically trained Certified Financial Planners will be pleased to walk you through The KAIZEN Financial Planning Process.  Visit us online, at ironshield.ca, to obtain our contact information, then simply call or email to book your free initial meeting.

Links to things mentioned in this episode:

 

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Episode Transcript

Episode Title: 9 things you need to know before you can retire comfortably.

1. Show me the money! (What is your net worth)

This is important why?

  • Important to have a clear picture of where you are financially, today.
  • Important to have a listing of everything you own and owe, not only so you know where things are but for executors also.

2. What are your retirement revenue sources

This is important why?

  • Get very clear about where all of your income in retirement is going to come from, how much you will receive and when (if at all) those sources will either last or when they will change in amount.
  • It’s important to map out your retirement income in a retirement income plan to ensure you are aware of how these income sources will be affected by taxes and potential claw backs.

3. What are your retirement expenses

This is important why?

  • Outlining all of your retirement expenses, how long they will last and when they will change will provide you with some comfort in knowing what your obligations are throughout retirement.

4. What is your debt management plan?

This is important why?

  • If you are going in to retirement with debts, it is important to develop a debt management plan to get these debts paid off as quickly as possible.

5. What does your base plan look like

This is important why?

  • By developing a “base plan” (which is a financial plan which simply maps out your current financial position right now, you will become very clear about whether or not what you are trying to accomplish financially is even doable.
  • Also, this step answers your most important question: “Can I retire with the lifestyle I have become used to?”

6. What if??? (What if discussions – to build confidence)

  • Is your plan Goals based or Cash Flow based?
  • This is important why?

Goals based financial planning provides you with a clear idea of what you need to do to retire at a certain age with a certain level of income.  However, it is less precise because of how the assumptions are set up.  Discuss tax component.

Cash flow based financial plans do a much better job of mimmicking your actual retirement income and the taxes associated with the cash flow received from your plans.

7. Does your paperboy qualify for the same investments you are investing in? (Investing in appropriate solutions that you qualify for)

  • This is important why?
    • All too often we see the investment solutions clients are using have not kept up with their level of wealth.  In other words, let’s make sure the investment solutions you are using are what you qualify for because if you qualify for a certain level of investment solution and are not using it, you are losing out on strategies and services that can make it a lot easier to generate the returns required to continue to accomplish your investment goals.
      • Mutual Funds
      • Pooled Managed Solutions (Al-in-one managed mutual funds)
      • Discretionary wholesale investment programs (eg: investment counsellors and portfolio managers).

 8. Help, I’ve fallen and I can’t get up. (Risk management)

  • This is important why?
  • We all have three eventualities
  1. Live long and healthy
  2. Live long and unhealthy
  3. Die pre-maturely
  • A look at how each eventuality could impact your financial plans ability to provide for your family will reveal to you where you are exposed to financial risks.

9. Estate Planning

  • This is important why?
  • A review of what happens to the families wealth on the death of the second spouse is quite alarming.  It is amazing how much CRA takes by way of taxes.
  • Review what this amount is expected to be
  • Put strategies in place to save against this tax erosion.
  • Discuss the 5 legal canadian tax shelters.

Action Steps: Here’s what you can now do with this information…

Once you have answered these questions and are very clear about the details, your confidence level will rise.  

Also, please go to the comments section and leave some feedback.  Are there other topics you would like discussed?  

Bonus Segment

In today’s bonus segment we’ll talk about the non-financial side of planning to retire comfortably – your health!  We’ve talked a lot today about the financial side of retiring comfortably, but let’s not forget your health.  Without your health, your financial planning may be all for naught.

If you haven’t had a physical in a while, maybe it’s time to book an appointment with your doctor.  Have that nagging ache or pain checked out, or any other symptoms you’ve been too busy to deal with.  And, remember, your emotional health is as important as physical health.  Symptoms of sadness, guilt or hopelessness, or a loss of interest in your usual activities may be signs of depression.  Depression is not a normal part of aging and can be treated.

Maybe it’s time to consider a comprehensive health assessment.  There are now private clinics that offer this complete analysis of your health.  Scott & I experienced first-hand the services of such a clinic – the Medcan Clinic in Toronto and found it was time and money well-spent.

Medcan’s flagship service is their Comprehensive Health Assessment which includes 12-15 sophisticated diagnostic tests, all performed at one location within a single 4 hour visit.  Medcan’s objectives are to not only pick up early signs of disease, but also to give you a strategy to improve your health.

Check them out at www.medcan.com.