Deverall, Calma & Associates Financial Services Inc.

Advice That Makes Sense October 2018 Edition

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Why Fall  is the Best Time to Make Resolutions
Why wait until the New Year to start working on your health, fitness and money resolutions? 
Here's why you should get going now.

For many of us, the shift from summer to fall represents a fresh start. The change of season can be an ideal time to develop healthier, more productive lifestyle habits. And there's no absolute rule that says you can only make resolutions in the New Year. You're free to set your goals whenever you want. So why not now?
Here are some solid reasons to make (and start following) your resolutions now instead of waiting until January:

Are Your Finances on Track?
Use our financial check up tool to see how you are doing.
Not happy with the results? Speak to your advisor today!

Check on your current financial health by answering a few questions about your spending, borrowing, saving and investing habits. Get tips and recommendations on how you can reach your goals.
Duration: About 2 min.

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
 
Connect with DCA
Issue: #2018-10 October/2018
                   























It wouldn't be fall without a pumpkin recipe

This one has a slightly different twist though. Chef Michael Smith delivers a Canadian Classic with a surprising difference:

Pumpkin Pie Butter Tarts
What's the Best Way to Leave a TFSA to Your Spouse?
Naming a successor holder for your TFSA avoids extra stress at a sad time. It could be one of the kindest and smartest financial moves you ever make.

tax-free savings account (TFSA) is a great way to save for a down payment on a new home, vacation or retirement. But for any savings or investment account, it's important to know the answer to 1 question: Who gets it after you die? When it comes to TFSAs, whether you have a beneficiary or successor holder is a difference that can have real financial implications. 
 
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SLGI Market Updates
 
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Your DCA Team
Deverall, Calma & Associates Financial Services Inc.

209 Frederick Street Suite 2A
Kitchener ON N2H 2M7
519-741-1259