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Trinity Wealth Partners' Quarterly Newsletter
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Money Wise


 

Volume 11; Issue 4

Fall colours are starting to turn a bit grey now that Halloween has passed, the leaves are populating the ground more-so than the trees, and the sun is setting earlier and earlier. We at Trinity hope you all enjoyed your Thanksgiving and Halloween holidays!
In Trinity news, Rick has had many opportunities to meet with fund managers at various companies over the past few weeks. Specifically, Cecilia Mo, manager of the Dynamic Dynamic Dividend Advantage Fund, and Noah Blackstein, manager of Dynamic Power Global Growth. He has met with several other fund company representatives as well to keep up-to-speed on developments and new funds available to you.
Melissa is also busy working toward her CFP designation and we hope you will join us in congratulating her on finishing the first stage of the course. Congratulations Melissa!
I was invited to participate in a graduate panel discussion at Acadia University, my alma mater, a few weeks ago with second and third year business students. I was joined by two other former students, and we were thrilled to enlighten the group on life “after school” and getting the most out of their time in university.
In this edition of our quarterly newsletter Rick discusses the recent market volatility (and why the news isn’t always right) along with the very recent announcement of new tax breaks for Canadian families, and finally the inclusion of alternative investments in your portfolio; I provide a brief introduction to RRSPs and their benefits; and Melissa gives reassurance on saying “No” to the things and people that try to persuade you to overspend.
As always, we welcome and encourage your feedback and input into the topics we discuss in our newsletters and on our website.

Natalie LeBlanc

Market Watch

Rick Irwin, CFP, CLU

After a few years of relatively low volatility and steady growth, financial markets have recently become somewhat more unsettled. In September and October stock markets went through a typical mid-cycle “correction” which is a healthy and normal process that typically occurs about once a year on average. 

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New Tax Breaks: Income Splitting


Rick Irwin, CFP, CLU

The federal government announced on October 30th some new family-oriented tax breaks that could certainly save Canadians money each year: income splitting between spouses, higher universal child care benefits, and an increase to the childcare expense deduction.

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Alternative Investments


Rick Irwin, CFP, CLU

When considering the asset classes available to invest in with mutual funds, stocks and bonds are certainly the first options that come to mind. However, many institutions including Canada’s Pension Plan and, more recently, the Norwegian Sovereign Wealth Fund (the world’s largest single investment pool) are looking at alternative assets as part of their portfolios.

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A Brief Intro to RRSPs

Natalie LeBlanc


Registered Retirement Savings Plans (RRSPs) are usually one of the first methods that comes to Canadians’ minds when they think of saving for retirement.
 

It's Okay to Say "I Can't Afford It"


Melissa Allan


One factor that often drives families into debt is playing “Keep up with the Joneses.” While it can be hard to say no to that new gadget or a vacation with the neighbours, sometimes it’s necessary to keep your budget in line. And that’s okay.

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Financial Priority Planner


Take a moment to think about the values you would like your guardian to impart on your children if something were to happen to you. 
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Copyright © 2014 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.