JOJI PANTOJA'S WEB SITE

JOJI FELECITAS B. PANTOJA, BSc
Financial Planning Advisor

Life!

You've worked hard. You gained wisdom throughout those years. You're still facing more life. More mountains to conquer. More places to explore. More projects to accomplish. More aspects of your being to reflect on. More relationships to enhance.

There's more of life ahead of you. Or, you may just want to live quietly, with such contentment only you who can fully understand. Savor the life you have.

You want to be sure that your financial resources, like your pension, are managed in such a way that your lifestyle will continue as you expect it to be.

Joji Pantoja can help you manage your resources. Then you can continue living life the way you want it.

INVESTMENT TOOLS FOR SENIORS

» RIF/LIF/LRIF Calculator
» Cash Flow Illustrator
» Net Worth Illustrator

The market was going down...I got nervous... I phoned Joji: "I want to get my money out!"

My son, a computer programmer who's also good in finance, was there when Joji responded to my call. He sat down with us. After the meeting, my son advised me not to touch my money. He said: "Mom, she's really taking good care of you."

He's Joji's client now.

KAREN SHAWN, 69
Retired Teacher

Canada's public pensions today

Besides your personal savings and investments, do you know how much money you can expect to receive in retirement? To help you better plan for your retirement, it's important to understand the various parts of Canada's retirement income system.

Canada's retirement income system

The retirement income system in Canada has three levels.

First level - the Old Age Security program
The Old Age Security program is funded through general tax revenues. It provides a basic monthly pension to more than 95% of Canadian seniors.

Second level - the Canada Pension Plan
The Canada Pension Plan is funded through contributions by Canadian workers and their employers as well as the earnings on the investment of the Plan's funds. The Plan provides retirement pensions, disability benefits, survivor benefits and benefits for children.

Third level - private savings
Private savings include employer-sponsored pension plans, Registered Retirement Savings Plans (RRSPs) and other private savings.

Investment is like growing a tree. You plant the seed, water it,
watch it sprout, nurture it, watch it grow, watch it bear fruit...

DISCLAIMER

The information and examples provided herein are for information purposes only. They should not be relied on as a substitute for professional advice or as a substitute for the applicable federal and provincial legislation.

Although the material in this site has been carefully prepared, Joji Pantoja and her staff do not make any representations, warranties or guarantees, express or implied, regarding the accuracy or completeness of this information and will be indemnified and held blameless for any use or misuse of the following information contained herein.

Any use of the following information without full disclosure and consultation will be the sole responsibility of the individual, corporation, organization or any other entity using it.

The information provided in this Web Site will change over time.

It is the responsibility of the user as described above to not use this information or any facilities described within in a way that may be interpreted as unlawful.

The designer of this site and/or any related persons or corporations assume no responsibility or liability whatsoever for any losses or damages of any sort resulting from the use or reliance upon any materials presented hereinafter or from actions taken or not taken based on information given to the users of this Web Site.