Summer 2015

It is good timing to hear a few words from your financial advisors! With the recent developments in China and other emerging markets affected by them, Rick’s Market Watch will be of particular interest to those of you following the news.

In Trinity news, however, we would like to share a recent change to the office. Melissa is now splitting her time between our Bedford office and Kingston, Ontario where her husband was posted for his final years in the navy. We’re very happy Melissa remains a part of the Trinity team no matter which province she’s in at the time, thanks to the wonders of modern technology. Rest assured she will be available to clients for insurance and investment needs, just as she was before the move.

One of said “wonders of technology” we’ve recently deployed is a Dropbox file sharing service on our website. As I mentioned in a recent article on file safety, Dropbox is an encrypted service allowing you to upload sensitive files to a secure database, avoiding the potential insecurity of emails. Just go to our website and click on the Dropbox icon on the top of any page to upload files for any member of our team.

In broader news, also as we mentioned in our last newsletter, the mandatory RRIF withdrawal rates for 2015 were lowered. For those clients that receive RRIF payments (at the old rates) from Quadrus each year and would like to take advantage of these lower minimums, you will be able to repay the difference by February 29th, 2016.

This edition of our quarterly newsletter looks at planning for your retirement. From receiving the maximum CPP payments to planning your retirement income, we have put the pieces together to help you plan for your retirement.


Market Watch Summer 2015

Posted 21 Aug 2015 by Rick Irwin, CFP, CLU

2015 started out very strong, but stock and bond markets ended up giving back some of their gains during the second quarter of the year. Volatility has increased due to several factors: uncertainty surrounding the Greek debt situation, the pullback...

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Piecing Together your Retirement Income

Posted 27 Aug 2015 by Rick Irwin, CFP, CLU

One of the most important jobs of financial advisors is to help clients plan for a secure, fulfilling retirement.  This involves looking at desired lifestyle spending (discretionary and non-discretionary) and the available resources to finance this income stream. The three...

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CPP: Maximizing your Benefit

Posted 24 Aug 2015 by Rick Irwin, CFP, CLU

There are many misconceptions around the level of income that will be received with the CPP. Some people naively assume they will get the maximum benefit while others are more pessimistic and discount it entirely as a potential...

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Old Age Security: Avoiding the Clawback

Posted 27 Aug 2015 by Rick Irwin, CFP, CLU

Just as CPP is an important piece of the retirement income puzzle for most Canadians, for many OAS is an equally important income source. Here are some common questions: 

How much are the payments?

The payment amount for the OAS...

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Defined Benefit vs. Defined Contribution Pensions

Posted 03 Sep 2015 by Melissa Allan

Pensions have traditionally been a common element of many retirement plans, but the type of pension plays a big part in piecing together your retirement income plan:

Defined Benefit (DB) Pension Plans

A Defined Benefit (DB) pension plan provides a...

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