During summer, you might find you have a little extra spare time which is ideal to get financial affairs in order.

Some points to think about include making the most of your retirement savings, paying down debt, protecting your family with enough insurance coverage, and investing strategically.

We can help you with all of these matters, and more. Please call us today so we can meet to review your financial strategy — and you can get back to enjoying the summer.

As we spring into the season of growth and renewal, consider taking some time to meet with us to review and update your financial plan.

Our goal is for you to have peace of mind knowing that your financial plan reflects your current financial situation, and is in-line with your longterm vision.

We can also discuss potential opportunities for increasing your tax efficiency for next year’s tax season.

Call us today — we’re here to help.

It’s that time of year again: headlines and ads are clamouring for investors’ attention, reminding us all that the RRSP deadline is fast approaching. They’re right — and it’s time to top up your RRSP and take full advantage of the tax break and any future tax-sheltered gains.

Fortunately, when you have a financial plan and invest regularly, the RRSP deadline doesn’t have to come with any stress.

If you would like to meet to fine-tune your plan, or to discuss how you can maximize your contributions for this year, give me a call.

For most Canadians, September is back-to-business time. Summer holidays are over, the kids (and teachers) are back at school, and it’s time to refocus after a refreshing break.

Depending on your circumstances, part of that refocusing may well involve your investments or your retirement plan. Given the current economic outlook, what investment opportunities are appropriate for you? Do you need to adjust your portfolio in light of rising interest rates?

I’m here to help you answer questions like these and speak to any other questions that are on your mind.

Like most people who may be taking time off this summer to enjoy the season, you probably appreciate how rejuvenating even a short break can be. It can also be a more relaxed time to review family finances and retirement plans: Your vision of the future may seem a lot clearer once you step away from your day-to-day routine.

I’m here to provide you with information and advice to keep your investment plans focused on your goals, whether you’re seeking a more comfortable retirement or to support those you care about.

Call me if I can help you with any questions you may have about your plans.

Stepping back to take in the big picture helps us bring things into clear focus. It allows you to reassess and reconfirm what’s important to you — your family’s health and security, your plans for retirement, your children’s education, your home, or maybe all of these.

I can help to ensure your priorities are being addressed within a sound plan. Adjusting your RRSP contributions, investing wisely to build your wealth, assisting with your estate plan, and helping to preserve your assets are just a few ways I can assist to keep your financial plan on track.

Call me — I’m always available to provide you with my professional advice and my services.

Returning to investing fundamentals is especially important in uncertain times like these.

In this climate, resisting emotion-based investing and maintaining a long-term view are fundamental strategies that will help you stay the course. Emotions tend to run high when markets are struggling.

Taking the time to plan and regroup will result in decisions based on information rather than intuition.

We are here to work closely with you to make sure your portfolio is positioned in a way to move you towards your financial goals.

Let’s get together soon to discuss how best to do that.

Insiders, Spring 2009

On June 18, the federal government passed its 2008 Budget bill into law. This was a milestone for investors because it meant that the new Tax-Free Savings Account (TFSA) would be available to millions of Canadians beginning in January 2009. No doubt you have seen and heard a lot about this new savings vehicle in some way, shape or form.

• Capital gains and other investment income earned in a TFSA will not be taxed.
• Withdrawals will be tax-free.
• You can withdraw funds from the TFSA at any time and for any purpose.
• The $5,000 annual contribution limit will be indexed to inflation in $500 increments.
• The amount withdrawn can be put back in the TFSA at a later date without reducing your contribution room.

Call us today to find out how you can take advantage of the new Tax Free Savings Account in your savings strategy.

On June 18, the federal government passed its 2008 Budget bill into law. This was a milestone for investors because it meant that the new Tax-Free Savings Account (TFSA) would be available to millions of Canadians beginning in January 2009. No doubt you have seen and heard a lot about this new savings vehicle in some way, shape or form.

• Capital gains and other investment income earned in a TFSA will not be taxed.
• Withdrawals will be tax-free.
• You can withdraw funds from the TFSA at any time and for any purpose.
• The $5,000 annual contribution limit will be indexed to inflation in $500 increments.
• The amount withdrawn can be put back in the TFSA at a later date without reducing your contribution room.

Call us today to find out how you can take advantage of the new Tax Free Savings Account in your savings strategy.

Please join us in welcoming Ryan Webster as the newest member of our team. Ryan has been a wealth advisor at ScotiaMcLeod for the past 2 years. During that time, he’s helped clients achieve their financial goals through personalized financial solutions and relationships built on trust, and we know he’s going to bring the same professional attitude to his work with us. Ryan has a post-grad degree in business and is working on his CFP designation. You can reach Ryan directly at (519) 660-3200.