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<137>Tim Fraser for the Globe and Mail<137><137><252><137> (Tim Fraser For The Globe and Mail)
<137>Tim Fraser for the Globe and Mail<137><137><252><137> (Tim Fraser For The Globe and Mail)

In pictures

Our best Financial Facelift pictures of 2013 Add to ...

The most compelling pictures of couples we profiled financially in the last year, as chosen by our photo editor.

Matthew Sherwood/For The Globe and Mail

Young family eye bigger home and a secure future

The birth of their first child this spring spurred Stuart and Sheila to take stock of their financial future. With the new arrival, their rented apartment in Toronto is feeling a little cramped.

“We are now looking at making a move to a larger home (in three years) and want to make sure that this decision will not adversely affect our financial future,” Stuart asks.

John Woods/Globe and Mail

Sylvie, 55, wants a worry-free retirement

Sylvie is looking forward to leaving her job of 30 years, packing up her worldly goods and moving back to the Maritimes.

“My retirement plans are fairly simple,” she asks. “They involve gardening, possibly fostering rescue animals and volunteering.”
Tim Fraser/For the Globe and Mail

Navigating toward a carefree retirement

For years now, Matt and Megan have been working to pay off the mortgage on their Toronto home, which they value at $700,000. At the relatively young age of 40, they are less than two years from their goal.

“What should we do with that $2,500 a month once the mortgage expense is gone?” Megan asks.

Christinne Muschi/For the Globe and Mail

Retirees must pare plans as savings dwindle

Dion is 77, Marie, 67. She has no pension at all, and their savings have dwindled to little more than $30,000. Their combined income is $3,335 a month.

“We always thought that the company would attempt to provide some hedge against inflation over the years,” Dion said. “Unfortunately, that was not to be.
Chad Hipolito/For the Globe and Mail

Couple seek plan to ensure steady retirement income

Ted and Tanya moved back to Canada from Britain in 2005 and invested their savings in the stock market “just before the collapse,” Tanya said.

“Unfortunately, we have lost about $350,000 in our investments since then,” she adds. Their income and assets are substantial, but they wonder whether they are enough to generate their after-tax retirement income goal of $100,000 a year.

Geoff Robins/For the Globe and Mail

A retirement plan geared for the open road

When she was widowed in 2012, Miriam spent some time taking stock. “Many decisions can be coloured by emotion, so I haven’t made any major moves since my husband died,” she said.

Now she has resolved to sell her rural Nova Scotia home and move to eastern Ontario to be close to her family. She wonders whether she should buy or rent in Ontario, but “having done the monthly expense breakdown, I’m now not even sure I can afford to move."

Matthew Sherwood/For The Globe and Mail

Single frugal young man should catch his breath

At 28, Alexander seems destined to be financially secure sooner than most. After all, how many young people work three jobs, live in their own basement and live on roughly $1,500 a month excluding mortgage payments?

His goal is to be mortgage-free at 33. Then he can move upstairs, rent out the basement of his suburban Toronto home and spend more time working on his personal finance blog.

John Woods/For The Globe and Mail

Can this woman quit her high-paying job?

This fall, at the age of 42, Janice hopes to walk away from her $135,000 a year job, with its pension plan and health benefits, to pursue the things she loves – gardening, cooking, canning and spending time with her 8-year-old daughter.

For income, she plans to join with a couple of friends to open a yoga studio, where she figures she can earn at least $12,000 a year and perhaps more.

Fred Lum/The Globe and Mail

Former exec sees comfortable, low-risk retirement

Veronique has lately been thinking about retiring – as soon as January. There are many hobbies to enjoy and interests to pursue, not to mention travelling several times a year.

Her concern: “I’d like to know if I can afford it. I don’t want to run out of money and have to reduce my lifestyle.”

Tim Fraser/For The Globe and Mail)

Financially secure couple need to watch those fees

Like many couples, Ken and Gretchen differ markedly in the way they regard their finances. He thinks things are just dandy but she is worried. They are both 57.

“Will we be financially secure until we die and not a burden to our children?” Ken asks. “Do we have enough?” He also wonders whether their investments “make sense.”

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