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Trinity Wealth Partners' Quarterly Newsletter
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Money Wise                          Volume 11; Issue 1 - Winter 2014

First of all, welcome to Trinity Wealth Partners’ new edition of our quarterly newsletter; with a new year comes a new look. We, of course, welcome your feedback on the design and content of our newsletters, for this new edition and all issues, past or present. Our goal is not only to inform you of important news in the industry and markets, but to capture your interest and develop your desire to keep on top of your investments and financial plan on a regular basis. Events like changes in the Canadian dollar can affect the value you get out of your vacation, and advances in technology can throw a wrench in your estate plan. Keeping informed on these kinds of events and how they affect your financial plan can help you, and your plan, stay current, relevant, and effective.
In other news, Rick, Erin, Jacob, and Lily welcomed a new baby girl on November 25th, 2013. Sylvie Rose has been keeping ours truly on his toes (sometimes a little too early in the morning) and, with the love of her adoring older sister and brother, is a happy addition to the Irwin family.
We are now into the height of RRSP and TFSA season! The RRSP deduction deadline for the 2013 tax year is March 3rd; as of January 1st, 2014 Canadian citizens now have an additional $5,500 of contribution room available for their Tax-Free Savings Accounts. With these investing opportunities and the potential of the market for 2014, now may be the time to give us a call!

Market Watch

Rick Irwin

Stock markets soared in the fourth quarter of the year, capping off what was a solid year for most markets. There was quite a divergence in returns between regions and between sectors however; it was not a rising tide lifting all ships.
The US stock market experienced one of the strongest returns it has seen since the 1990s; up nearly 30% in Canadian dollars. This despite the fact that...

Active Portfolio Management

Rick Irwin

Growth as an investing style has been more or less out of favour for thirteen years. Recent signals indicate that the pendulum could finally be swinging back in favour of growth.

For years there has been a vigorous debate between the merits of “passive” investing, using low cost investment vehicles that...

Our Canadian Dollar

 

Melissa Allan

2014 has started off with our Canadian Dollar’s value continuing to decrease and it’s at it’s lowest level since September, 2009.
This recent four year low came just the day after the Bank of Canada announced it would hold the benchmark interest rate steady at 1% as inflation for 2013 was lower than anticipated.

2014 Tax Measures and Rates

Melissa Allan

In a round of good news from Ottawa, the small business corporate tax rate will decrease, and a new tax credit is available for seniors....
 

From the industry...

 

Are You Subject to U.S. Estate Tax?

If you own assets in the U.S, you need to familiarize yourself with new U.S. tax rules and get ready to pay a little more.

Digital Estate Planning


Natalie LeBlanc

Changes in the way we use technology to manage our lives, means changes in the way we must plan for our estates. From computer passwords to online banking, all factors should be included in your estate plan.

A referral is the best compliment that a client can give. Many thanks to all our clients who have referred us over the past year!


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