Tag Archives: scott plaskett

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.

 

Canada Pension Plan New Rules

Have you been wondering how the new Canada Pension Plan rules are going to effect you?

Well, today I had an interesting conversation with a journalist from The Toronto Star newspaper on this exact topic.  So, I decided to put a brief summary together of some of the main points we discussed today.

If you are planning to retire soon, then you need to know what the new Canada Pension Plan rules are.

1. REMOVAL OF THE STOP WORKING RULE.

This one is a bit of a no brainer and it just makes sense to remove it all together.  The rule states that you must have stopped working for two months prior to starting to collect your CPP.  You must also be at least 60 years of age.  The new rules will eliminate this requirement.

2. IF YOU WANT TO COLLECT CPP PRIOR TO AGE 65, YOU WILL BE PENALIZED MORE THAN BEFORE.

The new rules state that if you begin to collect your CPP benefit prior to age 65, for each month prior to your 65th birthday, you will be penalized 0.6%.  The old rule was a penalty of 0.5%.  In other words, if you begin to collect your CPP at age 60, you will receive 36% less than if you waited until age 65.  This amount increased from the old rule which had a maximum reduction of 30%.

3. IF YOU WAIT TO COLLECT YOUR CPP, YOU WILL RECEIVE AN ENHANCED AMOUNT.

For every month you wait beyond age 65 to collect your CPP, you will be rewarded more than you used to be.

The maximum enhancement is received if you begin to collect your CPP at age 70.  You will receive 42% more than if you began to collect at age 65.  In other words, for every month you wait, you will get an extra 0.7%.

4. IF YOU BEGIN COLLECTING YOUR CPP AND THEN GO BACK TO WORK, YOU WILL HAVE TO KEEP PAYING CPP TO AGE 70.

The old rules provided for a strategy for retirees to begin collecting their CPP and then go back to work and not be subject to CPP contributions.  The new rules eliminate this.  So, if you begin collecting CPP and then go back to work, expect to keep paying CPP up until age 65.  All contributions will enhance your monthly CPP benefit and after age 65, contribution will now be optional.

These are just some of the more important changes that Canadians need to be aware of.

The discussion then moved to one on what the best strategy is for Canadians.  As of 2012, these new rules will be in effect.  So, the real question then is “When should one collect their CPP benefits?”.

The question is an easy one to answer.  Especially when you have a comprehensive financial plan to turn to.

The answer is, “when you need the money or at age 70, whichever comes first”.

Check out this graphic that provides a great visual for what should be included in a comprehensive financial plan.

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.

Podcast: Play in new window | Download

Subscribe: Apple Podcasts | RSS

WELCOME TO THE KEY TO RETIREMENT™ PODCAST!

To subscribe to the podcast, please use the links below:

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:

 

  Subscribe via RSS (non-iTunes feed)

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.

KEY002 | The difference between financial goals and financial objectives, and how important it is that your financial planner understands the difference between the two.

The difference between financial goals and financial objectives, and how important it is that your financial planner understands the difference between the two.

Podcast: Play in new window | Download

Subscribe: Apple Podcasts | RSS

WELCOME TO THE KEY TO RETIREMENT™ PODCAST!

To subscribe to the podcast, please use the links below:

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 difference between financial goals and financial objectives, and how important it is that your financial planner understands the difference between the two.  Because, if they don’t, you will never know when you have accomplished what you set out to.

Bonus Segment

In today’s bonus segment, we’ll share with you:

    • how to get leading edge information on just about any topic delivered to you as it comes out.  And no, it’s not searching through google.

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.

  Subscribe via RSS (non-iTunes feed)

Mike Flux – Investment Review and Update Q2 2011

Hello everybody and welcome to another one of IRONSHIELD Financial Planning’s “Fly On The Wall” webinars.

If this is your first time tuning in to a “Fly On The Wall” recording, let me quickly explain to you what this is.

You are going to experience what it’s like to be a “fly on the wall” during one of my update calls with a member of our Top Guns Network.  This network is my personal network of specialists.

Every so often, I ask a member of my network to touch base with me to bring me up to speed on the latest happenings in their area.  And when they call me, I record the call so you can be a “fly on the wall” for that call.

On today’s episode

I invited Mike Flux, VP of Connor Clark & Lunn Private Capital to summarize for me what has happened in the global markets during the 2nd quarter of 2011.  He not only explains what happened but explains what their strategy is moving forward.

Please click on the video below to watch & listen to the call:

(Duration 26:11)

KEY001 | Three Critical First Steps In Determining If You Need To Work With A Financial Planner

Three Critical First Steps In Determining If You Need To Work With A Financial Planner

Podcast: Play in new window | Download

Subscribe: Apple Podcasts | RSS

WELCOME TO THE KEY TO RETIREMENT™ PODCAST!

To subscribe to the podcast, please use the links below:

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 Three Critical First Steps In Determining If You Need To Work With A Financial Planner

In today’s quick tip we’ll share a website you can use as a resource for finding 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.

Bonus Segment

In today’s quick tip, we’re sharing a resource for finding a Certified Financial Planner in your area so that you can begin your journey towards hiring a financial planner.

Historically, the easiest way to get a list of names of firms to meet with was to go to your local yellow pages directory.  The problem with this is that you are only going to find firms who have paid to be in those books.  That doesn’t mean that they are all qualified.  It just means that they have paid to be there.

However, now you can go directly to the organization that’s sole objective is to promote and enforce the professional standards for financial planning in Canada.  The Financial Planning Standards Council of Canada has a ‘Find A Planner’ section on their website.  You can even use a Google Map Tool to show you all of the practicing Certified Financial Planners in your area.  Simply key in your postal code and it will generate a listing of all your local planners.  You can read their profiles and link to their websites to find out more about them before you actually call.

This website is www.fpsc.ca .

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City of Toronto Mayor, Rob Ford is proposing a once in a lifetime package offer for city of Toronto employees…

If you are a city of Toronto employee, you will be very interested in this post.  Because it could be a financial windfall for you.

The story goes like this:

Toronto City Hall is offering a buyout package to all permanent public service employees.  The offer will be three weeks pay for each year of service up to a maximum of 26 weeks pay (or 4 weeks for each year if your senior management).  All employees wishing to accept this offer are required to apply by September 9th, 2011 to then have their application reviewed.  They will then find out if their application has been accepted or denied by October 1st, 2011.

Here are my thoughts on this.

So far, after reading as many articles and notices I can get my hands on relating to this topic, not one of them has touched on the most important factor in helping people know whether this is a good deal for them or not.  The articles either touch on how bad it is for the city and how all of the “good” talent will be lost or how Rob Ford has reneged on his platform promises.  In my mind, the most important thing that needs to be looked at is how to we assist the tens of thousands of people in making the right decision?

I mean here is a group of people who have worked the majority of their lives for the city and who have relied upon “others” (unions, human resource departments, etc…) for all of their financial guidance.  And now, providing initially little to no information the City is telling these people that they will have to make their decision by September 9th as to whether or not they want to accept the package being offered to them.

Also, the articles and reports are currently paying lip service to the fact that a lot of these employees who are going to qualify for the full 26 week package (those who have worked almost nine years for the City) will also have to decide how to properly transfer their pension plan.  If you’re considering this package (and you should consider it), this one statement should bring a bead of sweat to your brow.

Why would you begin to sweat?

Well, consider that a long standing employee who has worked for the city for many, many years has build up an entitlement to a defined benefit pension plan.  And, that same employee (who up until now has viewed that defined benefit pension plan as an amount of cash flow they will receive during their retirement – $3,000 a month, $4,000 a month, etc…) will now have to decide how to properly manage the pool of capital that has been accumulating for them that was to pay their annual pension income.  But now, they are going to be asked to take this with them and manage it themselves.  This could be a decision on a sum of money that most only dream about receiving – from say a lottery.  But now, they are being asked to make a decision on potentially millions of dollars – their nest egg – in a few weeks.

Nobody has provided any counsel on the options these employees are going  to be faced with.

Who do you call?  Call a Certified Financial Planner.  What is considered the “gold standard” when it comes to licensing in the financial planning field.  This group will assist in analyzing the options.

And, what are some of the options that should be considered:

  1. Transferring to another pension plan (either a new employer’s plan or an Individual Pension Plan)
  2. Transferring to a locked-in registered plan
  3. Transferring to an annuity
  4. Opting for a deferred pension.

Working through the options with a qualified compensation specialist will provide confidence and piece of mind that is hard to come by.  When a package like this is being offered, you really should analyze all of your options first, so you can make a knowledgeable decision.

Should you be interested in keeping abreast of your options via email, please register below and we will send you updates and comments as new information presents itself.


A once in a lifetime package offer for city of Toronto employees

LayoffIf you are a city of Toronto employee, you will be very interested in this post.  Because it could be a financial windfall for you.

The story goes like this:

Toronto City Hall is offering a buyout package to all permanent public service employees.  The offer will be three weeks pay for each year of service up to a maximum of 26 weeks pay (or 4 weeks for each year if your senior management).  All employees wishing to accept this offer are required to apply by September 9th, 2011 to then have their application reviewed.  They will then find out if their application has been accepted or denied by October 1st, 2011.

HERE ARE MY THOUGHTS ON THIS.

So far, after reading as many articles and notices I can get my hands on relating to this topic, not one of them has touched on the most important factor in helping people know whether this is a good deal for them or not.  The articles either touch on how bad it is for the city and how all of the “good” talent will be lost or how Rob Ford has reneged on his platform promises.  In my mind, the most important thing that needs to be looked at is how to we assist the tens of thousands of people in making the right decision?

I mean here is a group of people who have worked the majority of their lives for the city and who have relied upon “others” (unions, human resource departments, etc…) for all of their financial guidance.  And now, providing initially little to no information the City is telling these people that they will have to make their decision by September 9th as to whether or not they want to accept the package being offered to them.

Also, the articles and reports are currently paying lip service to the fact that a lot of these employees who are going to qualify for the full 26 week package (those who have worked almost nine years for the City) will also have to decide how to properly transfer their pension plan.  If you’re considering this package (and you should consider it), this one statement should bring a bead of sweat to your brow.

WHY WOULD YOU BEGIN TO SWEAT?

Well, consider that a long standing employee who has worked for the city for many, many years has build up an entitlement to a defined benefit pension plan.  And, that same employee (who up until now has viewed that defined benefit pension plan as an amount of cash flow they will receive during their retirement – $3,000 a month, $4,000 a month, etc…) will now have to decide how to properly manage the pool of capital that has been accumulating for them that was to pay their annual pension income.  But now, they are going to be asked to take this with them and manage it themselves.  This could be a decision on a sum of money that most only dream about receiving – from say a lottery.  But now, they are being asked to make a decision on potentially millions of dollars – their nest egg – in a few weeks.

Nobody has provided any counsel on the options these employees are going  to be faced with.

Who do you call?  Call a Certified Financial Planner.  What is considered the “gold standard” when it comes to licensing in the financial planning field.  This group will assist in analyzing the options.

AND, WHAT ARE SOME OF THE OPTIONS THAT SHOULD BE CONSIDERED:

  • Transferring to another pension plan (either a new employer’s plan or an Individual Pension Plan)
  • Transferring to a locked-in registered plan
  • Transferring to an annuity
  • Opting for a deferred pension.

Working through the options with a qualified compensation specialist will provide confidence and piece of mind that is hard to come by.  When a package like this is being offered, you really should analyze all of your options first, so you can make a knowledgeable decision.

Should you be interested in keeping abreast of your options via email, please register below and we will send you updates and comments as new information presents itself.