May 2017

There is no shortage of news to discuss lately, from North America to Europe and Asia. Our advisors have been fielding questions from clients regarding  everything from the U.S. political environment, to the end of Canada Savings Bonds in the recent budget, to the election in France.

In this issue of our quarterly newsletter we have perspectives and resources from each of our team members to help you better understand the current investing environment and to educate on planning tools and tips.

Rick and Patricia both recently attended a conference with Fidelity Investments and heard from some of the managers of their pick of funds, including Mark Schmehl and Dan DuPont. Patricia shares some of their market views and comments on the political environment in the U.S.

In a bit of change of pace, Rick and I both share our perspectives on investing as a whole, covering the point of view of both an experienced financial advisor and of a beginner who only made my first mutual fund purchase 4 years ago (yet still years earlier than most of my peers)!

Investing isn’t the entirety of your retirement income puzzle. Canada Pension Plan payments can and should be factored in to your plans as well. Rick discusses the various situations that can affect your payments, depending on when you begin payments and whether or not you continue working while receiving CPP.

While the 2017 budget wasn’t as eventful as anticipated, it did spell the end of Canada Savings Bonds, about which we have had many questions. Rick explains what they were and how you can redirect your CSB contributions to a new investment to keep your financial goals on track.

Going back to the 2016 budget when Trudeau announced the new Canada Child Benefit, Melissa covers the basic elements of the benefit and who can expect to receive the payments.

Finally, for those that find themselves having trouble managing their cash flow, I introduce a simple formula that allows you to meet your cash needs and financial goals on track simultaneously.

As always, if you have any suggestions for articles or topics, we’d love to hear them!


May 2017 Market Watch

Posted 01 May 2017 by Melissa Allan; Patricia Bell, PFP

Concerns about the future of North American trade regulation and tax reform are growing along with those in Europe which creates some uneasiness among investors. Keep your eye on the ball.

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Investing Perspectives

Posted 04 May 2017 by Rick Irwin, CFP, CLU; Natalie LeBlanc

Investing your hard earned money is a decision that takes careful thought and planning, and the rationale behind how, when, and what to invest in varies person to person.

  Rick Irwin, CFP, CLU

The investing...

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Maximizing your Canada Pension Plan Income

Posted 25 Apr 2017 by Rick Irwin, CFP, CLU

The Canada Pension Plan (CPP) is an important cornerstone in retirement income planning, designed to replace 25 percent of what is deemed to be the average industrial wage. The income you will receive can vary considerably depending on when you...

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The Canada Child Benefit Overview

Posted 06 Apr 2017 by Melissa Allan

Well it’s been a little over a year now since the Liberal government announced the end of the Universal Child Care Benefit (UCCB) and introduced the new consolidated program: Canada Child Tax Benefit (CCB).  The UCCB benefit was taxable and...

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The End of Canada Savings Bonds

Posted 28 Mar 2017 by Rick Irwin, CFP, CLU

The recent federal budget was fairly uneventful, with no new significant tax measures and limited new spending programs. One item that we have received several inquiries on was the announcement that the government would be ending the Canada Savings Bond...

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The 50-30-20 Rule of Budgeting

Posted 23 Feb 2017 by Natalie LeBlanc

Budgeting your expenses seems tedious or even unnecessary to some, but is a vital practice to those who wish to save enough not only for retirement but for other big ticket items. Vacations, new cars, maybe even a cottage on...

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