Fall 2014

Fall colours are starting to turn a bit grey now that Halloween has passed, the leaves are populating the ground more-so than the trees, and the sun is setting earlier and earlier. We at Trinity hope you all enjoyed your Thanksgiving and Halloween holidays!

In Trinity news, Rick has had many opportunities to meet with fund managers at various companies over the past few weeks. Specifically, Cecilia Mo, manager of the Dynamic Dynamic Dividend Advantage Fund, and Noah Blackstein, manager of Dynamic Power Global Growth. He has met with several other fund company representatives as well to keep up-to-speed on developments and new funds available to you.

Melissa is also busy working toward her CFP designation and we hope you will join us in congratulating her on finishing the first stage of the course. Congratulations Melissa!

I (Natalie) was invited to participate in a graduate panel discussion at Acadia University, my alma mater, a few weeks ago with second and third year business students. I was joined by two other former students, and we were thrilled to enlighten the group on life “after school” and getting the most out of their time in university.

In this edition of our quarterly newsletter Rick discusses the recent market volatility that he anticipated in our last newsletter (and why the news isn’t always right) along with the very recent announcement of new tax breaks for Canadian families, and finally the inclusion of alternative investments in your portfolio; I provide a brief introduction to RRSPs and their benefits; and Melissa gives reassurance on saying “No” to the things and people that try to persuade you to overspend.

As always, we welcome and encourage your feedback and input into the topics we discuss in our newsletters and on our website.


Financial Priority Planner

Use this planner to assess your current financial priorities. Your advisor can devise the appropriate strategies to help you balance your priorities while making progress toward your goals.

Complete this exercise

Fall 2014's Market Correction

Posted 03 Nov 2014 by Rick Irwin, CFP, CLU

After a few years of relatively low volatility and steady growth, financial markets have recently become somewhat more unsettled. In September and October stock markets went through a typical mid-cycle “correction” which is a healthy and normal process that typically...

Read More

New Tax Breaks: Income Splitting

Posted 31 Oct 2014 by Rick Irwin, CFP, CLU

On October 30th, the Conservative government finally delivered on its promise to introduce family-oriented tax breaks once the budget deficit was eliminated. The new tax measures include the following:

      1. Income Splitting: The new Family Tax Cut is a non-refundable...

        Read More

Alternative Investments

Posted 10 Oct 2014 by Rick Irwin, CFP, CLU

Bloomberg news service reported on June 25th, 2014 that the world’s largest single investment pool, the Norwegian Sovereign Wealth Fund, which is worth $890 billion is “building up its organization and preparing for a move into infrastructure and private equity”....

Read More

A Brief Intro to RRSPs

Posted 16 Oct 2014 by Natalie LeBlanc

Registered Retirement Savings Plans (RRSPs) are usually one of the first methods (besides perhaps pensions) that comes to Canadians’ minds when they think of saving for retirement. These plans allow you to make tax-deductible contributions (up to a certain limit...

Read More

It's Okay to Say "I Can't Afford It"

Posted 25 Sep 2014 by Melissa Allan

I was having dinner with family one weekend, chatting about back to school activities and the upcoming school year ahead for the children, and the fact that now summer is over so I can get on track with finances again....

Read More

View the print edition of this newsletter.