One out of every 3 Canadians do not live to see their 65th Birthday.

No one likes to plan for the time of his or her death or serious illness and injury. But if you don’t, you could be imposing tremendous financial stress on your family and heirs.

At P.B. Fraser and Associates/ Dundee Securities Corporation, we help you understand your needs, and how to go about protecting yourself and your family. We will give you answers on:

• How much insurance do I really need?
• What type of insurance is best for me at this time?
• How do I keep my family from having to pay too much tax at the time of my death?
• How can I make sure my estate is distributed the way I want it to be?
• How can I support my favorite charities at my death?

We believe that planning to protect your family’s well-being is just as important as planning to accumulate wealth. The income you work hard to accumulate in building your wealth can get damaged along the way due to unemployment, sickness or injury, critical illness or death.

Your P.B. Fraser and Associates/ Dundee Securities Corporation Investment Advisor will guide you through a process that will help you make decisions that are right for you and your family.

We will inform and deliver.

An Insurance Needs Assessment

• A "What if?" analysis projecting the income and required living expenses to your heirs at the time of your death, critical injury or illness.
• An overview of insurance products and options that are appropriate for you, given your current financial situation and goals.

An Estate Planning Strategy

• An overview of your wishes. How much and what do you want to leave for your heirs? Charitable giving? When and How?
• A calculation of projected taxes and probate fees at the time of your death.
• An Overview of possible strategies and tools to maximize the amount going to your heirs and minimize the amount going to taxes.

We will work in cooperation with your lawyer and accountant in helping you to coordinate each aspect of your estate plan, and then help you monitor it to ensure it always reflects your wishes.

In the end…

Knowing that you have thoroughly planned for your family’s well-being in all circumstances will put your mind at ease. You will have the comfort of knowing that your family will be taken care of. You are protecting what you have accumulated and you will know that you have addressed all necessary issues to benefit others for generations to come.

Let us help you in…Getting Started.

| Financial Planning | Retirement Planning | Investment Services |
| Insurance & Estate Planning | Portfolio Performance & Monitoring |
| Legal Services | Tax Planning |