In this issue: Trinity's Company News, Changes to Interest Rates, Closing your RRSP, and Household Spending Habits
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Who ordered the tropical weather?! We asked for summer and we got it! While we hope you’re enjoying your summer so far, it sure has been a struggle to keep cool lately. We have been keeping busy in the office (with A/C) following a few developments within the company. We hope that as summer winds down you enjoy the remaining long, sunny days.  
While I would normally start off with any company news, so much has happened so far this year that Rick will field the changes we’ve gone through over the past few months and milestones we’re celebrating in 2018 in this newsletter. Our mutual fund dealer, Quadrus, is also making some improvements to their platforms and introducing, in the near future, e-statements for your accounts! More information on signing up for this will be available in the coming months.
The markets haven’t produced anywhere near as much to talk about as the political climate and trade agreements around the world. While these events unfolding can have an effect on stock market returns, the future remains, as always, uncertain. Rick and Patricia talk more about the returns last quarter in Market Watch.
I had run across an interesting article that discusses the breakdown of spending within the average American household. What was interesting is not only the breakdown itself, but the categories that increased between 2015 and 2016. You can see more details on these categories in my article.
One of the categories that had increased was spending on retirement savings vehicles and pensions. Given the rapid approach of retirement for a large group of the North American population, this statistic is not surprising. But what do you do with your RRSP when you are set to retire and take income from your plan? Patricia discusses the options of closing your RRSP in her article.

-- Natalie LeBlanc

Market Watch

Rick Irwin, CFP, CLU; Patricia Bell, PFP

The theme of the markets seems to be “uncertainty” as trade regulations and relationships around the world are tested. The returns of the last quarter posted by major corporations were undermined by advancing disruptor stocks. The Bank of Canada’s decision to increase interest rates also played a role in mutual fund returns.

When do I have to close my RRSP?

Patricia Bell, PFP 

There’s always a lot of discussion around when exactly is the right time to take funds from your retirement savings but do we know the basic rules around these assets and when some things have to happen? 
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Trinity Wealth Company News

Rick Irwin, CFP, CLU

2018 marks the year of a number of milestones for Trinity Wealth Partners. With these milestones came a few changes within the office in terms of our roles and staffing. Through these changes, we strive to provide the best quality of service for you, our clients, and your families.

Household Spending Habits

Natalie LeBlanc

Do you think you spend too much money going to the movies every week? What about your grocery bill? While some of our expense categories (like healthcare) may not be comparable to our American counterparts, the U.S. Bureau of Labor Statistics prepared a report of household spending through the 2016 calendar year that highlights some interesting facts.

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Insurance products, including segregated fund policies are offered through Trinity Wealth Partners Inc., and Rick Irwin 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 and Patricia Bell, PFP. While information contained in this newsletter is believed to be reliable and accurate at the time of printing, Rick Irwin 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.    
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