Deverall, Calma & Associates Financial Services Inc.

Advice That Makes Sense November 2018 Edition



November is Financial Literacy Month
Every year, more of us struggle to meet our financial commitments. Many of us carry high debt and don't even have access to basic emergency savings. In fact, Canadian households are devoting less of their disposable income to savings than ever before. Our debt-to-disposable income ratio is at an all-time high.
Looking for a health care provider?
Health answers, all in one place

At Sun Life, we're committed to helping our Clients achieve lifetime financial security and live healthier lives. That's why we've created Lumino Health, our new online health network where you can search for trusted health-care providers near you, find out about health innovations, and connect with other Canadians around health and wellness topics that matter to you.

Maturity Matters
A newsletter just for seniors
Did you know that some advisors are specially trained to assist seniors with their financial needs?

is our resident CPCA and EPC expert.

Check out this month's issue
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Issue: #2018-11 November/2018

It's squash season!

Squash is harvested in early autumn and will keep for months, but now that it's creeping into grocery stores and farmers' markets, it's time to start eating it!

What is a RRIF?
A registered retirement income fund (RRIF) is a great way to use your RRSP savings to generate retirement income while continuing to have taxes deferred on your investment .
It's  1 of the 3 choices  you have when you're required to move your money out of your RRSP by December 31 of the year in which you turn 71.
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Market Update
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SLGI Market Updates


Your DCA Team
Deverall, Calma & Associates Financial Services Inc.

209 Frederick Street Suite 2A
Kitchener ON N2H 2M7