Trinity Wealth Partners' (formerly CAQ Financial) Quarterly Newsletter
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Volume 10; Issue 2


Money Wise!

Trinity Wealth Partners' Quarterly E-Newsletter

Compliments of: Rick Irwin, CFP, CLU; Investment Representative

Hi <<First Name>>,
First of all, I’d like to welcome you to the first newsletter of “Trinity Wealth Partners”, our new corporate brand. The format has changed slightly but overall we are still aiming to bring you content that covers the various areas that impact comprehensive wealth management; investments, taxation, debt management, retirement income planning, insurance and estate planning. With frequent changes to taxation and government benefits, global events affecting markets on a daily basis, and new innovative products to manage risks, there is usually no shortage of subjects to address but if you have any areas you’d like us to cover off, or have any comments or feedback, please do not hesitate to drop us a line!

Market Watch

From Rick Irwin

2013 is off to a strong start from the perspective of global financial markets. The so-called “fiscal cliff” came and went and the US economy is showing increasing signs of strength. The rebounding US housing market, the potential global game changer of the US becoming a net exporter of oil, and a general sense that the US market is undervalued given return expectations for other assets like bonds have all contributed to the positive sentiment. The most important factor affecting ...

Managing Your Debt

From Melissa Allan

Most of us have debt with the goal of becoming debt free down our path in life.  As a Financial Security Advisor, I cannot stress how important managing your debt is.  A savings of 0.5% to 1% on an interest rate on a big ticket item such as a mortgage is HUGE over the amortization period of your mortgage.  It’s so important to pay attention to the interest rates you’re paying and I highly recommend ...

Company News

From Natalie LeBlanc

As some clients already know, there is a new face at the front desk at Trinity Wealth Partners. I, Natalie, joined Melissa and Rick at the beginning of March as an Administrative and Marketing Assistant, and it’s hard to believe that over a month has gone by already! A big part of my position is ...

Impact of Federal Budget Changes

From Rick Irwin


The recent Federal budget proposed several changes that will have an impact on the financial services industry:

 Dividend Taxation

First of all, the government has announced that they will be altering how they tax dividends paid from self employed income, with the effective personal tax rate on these dividends increasing by approximately 2 percent. Their goal in this regard is ...

Character Conversions

Second, they have announced that they are going to be disallowing "character conversions" which is a clever mechanism by which mutual fund companies use "swap" contracts to convert otherwise fully taxable income like ...

Testamentary Trusts

Another potential negative development is the announcement that they are going to be investigating the use of testamentary trusts in estate planning. Testamentary trusts are special trusts that are created via the wording of a will. Unlike regular trusts, which are taxed at ...

Changes to the Old Age Security Program  

From Melissa Allan

As you may have heard, recent measures have been taken to ensure the longevity to the Old Age Security Program.  The OAS program is the    single largest federal revenue program. 
As you know, we are living longer lives and in 2030 it is projected that there will be twice as many people receiving OAS than there is today. In light of this, the government felt changes to the program, to defer eligibility for future recipients, were regrettably necessary.

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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