Trinity Wealth Partners' Quarterly Newsletter
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Money Wise

Volume 12; Issue 4

First of all, in the spirit of the season, I’d like to take this opportunity to wish everyone a Merry Christmas and Happy Holiday season. This is the perfect time to look back on the year and reflect on everything we have to be thankful for.
With the new year, and the new government, we expect to see many changes to financial policies and taxation. Some of these changes that could affect your finances are highlighted on page 6. Also in this edition, Rick examines the cycles of the markets and what performance patterns emerge that we could learn from.
But in the festive spirit, we will keep this edition of our newsletter rather light. We thought we would share some of our team’s favourite Christmas traditions with you, along with how the wealthier (really, wealthiest) people choose to give back to the world.

Natalie LeBlanc

Market Watch


Rick Irwin, CFP, CLU

The markets have been quite up and down, especially over the past few months, but 2015 as a whole was a relatively average year. More globally-diversified portfolios are likely to be in a good position and the long-term outlook remains positive.


The Giving Pledge

Natalie LeBlanc

Some of the world's wealthiest people, those with the most financial power for change, are using their wealth to be that change they want to see in the world. The Giving Pledge invites these people to donate half of their wealth to “help address society’s most pressing problems.”


The 15-year Market Cycle

Rick Irwin, CFP, CLU

A common joke in the investment industry is that the bears have predicted 23 of the last six stock market downturns. With global markets losing some steam this year after the collapse in the Chinese domestic stock market, the bearish case is getting heightened attention. Since the lows of 2009 the stock market, most notably the U.S. market, has indeed staged a powerful...


Expected Changes from the New Government

Natalie LeBlanc &Melissa Allan

The Federal Government, under new Liberal Prime Minister Justin Trudeau, cited several family-finance-based measures during their campaign. While not all of these may apply to you, at least one or two will affect your finances.


Mutual Fund Awards of 2015

Rick Irwin, CFP, CLU

While not as famous as awards shows like Grammy’s and Emmy’s, each year the mutual fund industry gets together to honour a few of their own who are among the best in their field. These investment professionals have demonstrated superior outperformance within their respective categories; some of which are littered with dozens, or even hundreds, of competitor funds.


A Trinity Wealth Christmas Story

During this “most wonderful time of the year” we thought we would share some of our team’s Christmas traditions:

Some Christmas traditions in the Bell household are quirky, like our traditional Christmas Eve dinner of pizza - a reflection of the years when the kids were little and I would arrive home with only a few hours to finish the prep for ‘Santa Day’. Various attempts at changing this tradition (to a nice seafood chowder or meatpie) have been resisted by the (now grown!) kids. Other traditions are more conventional like attending the Christmas Eve Candlelight service at Bedford United Church, the highlight of the Christmas season for me. I revel in the calm and quiet...the late evening service surrounding us with Hope & Peace... just hours before the craziness of Christmas morning and all the Joy & Love the day brings.
- Patricia Bell, PFP

One of my family’s most memorable traditions is our annual get-together, not on Christmas, but on Boxing Day. For as long as I can remember, my aunts, uncles, grandparents, and cousins all gathered at my parents house for a big lunch of my mother’s famed cooking including seafood chowder and, my family’s favourite, rabbit pie. We open our Christmas Crackers, wear our paper crowns and recite the corny Christmas jokes we found inside. Finally, we all open one last present “from Rudolph the Red-nosed Reindeer” that he left in our tiny 2nd stocking.
- Natalie LeBlanc

Tib’s Eve is something my family has been celebrating for as long as I can remember. It’s the eve of Christmas Eve and Newfoundlanders have been celebrating this day since the mid-20th century. It’s often referred to as “Tipsy Eve” as it was the first night during advent that it was appropriate to have a drink as advent was close to an end.
In our house we would have family over, with my aunts dancing and singing and the men playing guitar, fiddle and accordion. Houses were jammed tight but with family, love, laughter and plenty of good things to eat!
- Melissa Allan

On Christmas Eve we go with the old favorites: a viewing of Dr. Suess’ “The Grinch” and a reading of "T’was the Night Before Christmas" just before bed time. On New Year’s Eve we usually have Chinese Food and get out on the lawn with sparklers and noise makers, scaring away all the deer (and hopefully raccoons!). My favorite day of the Holidays is the day after Boxing Day when all the visiting is done and we just stay in our Pajamas all day and I help the kids build their new Lego sets, or play with the other new things Santa has brought. 
- Rick Irwin
If you'd like a printed newsletter mailed to you, or to be added to the print-version mailing list, 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.