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Trinity Wealth Partners' Quarterly Newsletter Special Edition on Retirement
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Money Wise


 

Volume 12; Issue 3

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. Her home office phone and computer are connected to our server and phone system in Bedford, so it’s just as if she was here. Rest assured she will be available to clients for insurance and investment needs. With one less body regularly in the office, if you plan on dropping by (especially during the lunch hour), call ahead to make sure someone is available.
One of said “wonders of technology” we’ve recently deployed is a Dropbox file sharing service on our website. 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, 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 received payments based on these lower minimums, you will be able to repay the difference by February 29th, 2016. Give us a call before the deadline if you’d like to take advantage of this opportunity.
This edition of our quarterly newsletter is a bit different. It’s a special edition on the theme of planning for your retirement. From receiving the maximum CPP payments to identifying income sources, we have put the pieces together to help you plan for your retirement.

Market Watch

 

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 in the Chinese...

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CPP: Maximizing Your Benefit

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 source of retirement income due to fears that it won’t be around when they need it.

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Old Age Security: Avoiding the Clawback

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? Won't I just have to repay it? When will I receive it?

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Defined Benefit vs. Defined Contribution Pension Plans

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

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Piecing Together your Retirement Income Plan


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 building blocks...

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If you'd like a printed newsletter mailed to you, please contact Natalie.


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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.