Financière SISIP Financial MFRC Coordinators September 2015 Suzanne Ramsay, CFP.

Financière SISIP FinancialMFRC Coordinators

September 2015 Suzanne Ramsay, CFP

CF Moral & Welfare Services

Financial Planning CAF Group Savings Plan Life and Disability Insurance Financial Counselling

Our Financial Solutions

Offered exclusively to serving and released members of the CAF and their spouses

Extensive knowledge of the CAF pension, benefits, severance and pay structure

Providing unbiased financial solutions tailored to the unique needs of the CAF

Expert comprehensive advice from salary based Certified Financial Planners (CFPs)

Financial Planning

Wide range of investment products and services including:

Release Planning with focus on severance, TV, LTD & Pension

Retirement Planning including 2nd career considerations General tax advice and estate planning Goal based planning (major expense, education) Portfolio analysis and investment recommendations Diverse choice of investment products for registered

accounts and tax-efficient options for OPEN accounts

Financial Planning

Insurance ProductsOptional Insurance Plans:

Optional Group Term Insurance (OGTI) Reserve Term Life Insurance (RTIP) Insurance for Released Members (IRM) *

Supported Group Benefits: Long Term Disability (LTD/Res LTD) General Officers Insurance Plan (GOIP) Military Post Retirement Life Insurance Plan (MPRLIP) * Accidental Dismemberment Insurance Plan (ADIP)

* Policies available to released members

No exclusions for war, dangerous occupations, hobbies, volunteer activities or sports

Less stringent medical underwriting requirements $600k max coverage; dependent life coverage of $10k Conversion from OGTI to IRM without evidence of

insurability Released members eligible to apply for IRM with proof of

insurability

Term Life Insurance

Medically Released members are provided with:

Salary replacement of 75%*, less other relevant sources of income

Vocational Rehabilitation Program is available to help prepare you for gainful civilian employment if needed (enhancing education, skills, training, experience)

In most instances, LTD plan covers you 24/7, whether injured in the line of duty or not

* for the 1st 2yrs, then must qualify as “totally disabled”

Long Term Disability

Providing personal money management assistance and education

Access to Canadian Forces Personnel Assistance Fund (CFPAF) loans and grants

Assist with access to Military Families Fund (MFF) Referrals to professionals, local community service or

other military resources Assistance in resolving financial difficulties and improving

quality of life Strict case confidentiality

Financial Counselling

Self Improvement Loan Program (SILP) Loans of $1k - $5k for emergency/unforseen situations Available to serving members only

Minor Disbursement Program (Grants) Up to $200 to relieve temporary distress Serving members or released members (through VAC)

Financial Distress Program (Grants & Loans) Max $5k Grant & $25k Loan Financial hardship due to sickness, accident, death Serving members or released members

CFPAF

Financial Solutions & Partners

www.sisip.com1-800-267-6681