Trinity Wealth Partners' Quarterly Newsletter
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Money Wise


Volume 12; Issue 1

What better time for the Winter edition of our newsletter than right after winter rears it’s ugly head. I hope you’ve dug yourselves out of the snow — We’re looking forward to Spring already!

I’d like to start the company news by announcing an addition to the Trinity Wealth office: Victoria Holland, CMA. Vicki has joined the team as our accountant & tax preparer, and we are happy to inform you she is available for personal and corporate tax returns for the 2014 tax year. She has years of experience in private and public industries, specializing in the needs of small business owners, and is here to answer your taxation-related questions. See her article in this newsletter outlining the tax-related deadlines for 2015. 
Welcome, Vicki!

In this edition, on top of Vicki's deadline reminders, Rick looks back at the popular market speculation for 2014, who was right (at least almost), & the outlook for 2015; he compares RRSPs to TFSAs & suggests the best use for each; and Melissa advises U.S. and dual-citizens of tax filing requirements.

Finally, if you haven’t checked out our new website yet, now is the time. We’ve recently been featured on Yahoo! Finance Canada, as well as Slice media, and are happy to have been sharing our posts with Golden Girl Finance, a financial and lifestyle blog focusing on educating women on managing their wealth. Our educational resource centre is aimed to help Canadians become more financially literate, so feel free to share with your family and friends or suggest topics.

Natalie LeBlanc

Market Watch 2015


Rick Irwin, CFP, CLU

Looking back on 2014, it was a year of surprises and contrasts. Specific to the global investment climate, once again the US stock market was notably stronger than other global markets, including Canada, as the sudden plunge in oil prices affected...



Rick Irwin, CFP, CLU

There are many financial decisions before us as Canadians—do we pay down mortgage debt or invest in RRSPs? Which investment options should we choose to meet financial and retirement objectives? One of the more recent financial decisions, which we are often asked about, is which investment vehicle is the better choice, a TFSA or an RRSP?


Avoid Penalties - File your Taxes on Time!

Victoria Holland, CMA

Most of us are aware of the reporting deadlines imposed on us as taxpayers. Yet, how often do we find ourselves scrambling at the last minute to get things filed on time? As another year unfolds and we juggle the demands of our busy lives, it is easy to lose sight of important deadlines.Here are some dates to mark on your calendar for 2015...


Cross-Border Investment & Tax Planning

Melissa Allan

Whether you're a Canadian who resides temporarily in the United States or you're a dual-citizen of both Canada and the U.S., it's important for you to understand how both countries tax certain Canadian investments.


Will Planning Checklist

There are many decisions you will have to make when you draft a Will. If not thoroughly considered, some of these decisions can have unintended consequences. Here is a checklist of some of the issues that should be discussed before you make your Will...


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Copyright © 2015 Trinity Wealth Partners, All rights reserved.
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Insurance products, including segregated fund policies are offered through Trinity Wealth Partners Inc., and Rick Irwin, Melissa Allan,and Patricia Bell offer mutual funds through Quadrus Investment Services Ltd. 
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
The information provided is based on current tax legislation and interpretations for Canadian residents and is accurate to the best of our knowledge as of the date of publication. Future changes to the tax legislation and interpretations may affect this information. This newsletter contains general information only and is intended for informational and educational purposes provided to clients of Rick Irwin, CFP, CLU, Melissa Allan, and Patricia Bell, PFP. While information contained in this newsletter is believed to be reliable and accurate at the time of printing, Rick Irwin, Melissa Allan, or Patricia Bell do not guarantee, represent or warrant that the information contained in this newsletter is accurate, complete, reliable, verified or error-free. This newsletter should not be taken or relied upon as providing legal, accounting or tax advice. Prospective investors should review the offering documents relating to any investment carefully before making an investment decision and should ask their advisor for advice based on their specific circumstances. You should obtain your own personal and independent professional advice, from your lawyer and/or accountant, to take into account your particular circumstances.    
Quadrus Investment Services Ltd. and design, Quadrus Group of Funds and Fusion are trademarks of Quadrus Investment Services Ltd. Used with permission.