Deverall, Calma & Associates Financial Services Inc.

Advice That Makes Sense September 2018 Edition



What can affect your CPP/QPP income?
Returning to work  after a great summer makes some folks wonder when they can take a permanent vacation.

Deciding when to start collecting Canada Pension Plan (CPP) or Quebec Pension Plan (QPP) payments is an important part of preparing for your retirement. 
This calculator will help you understand the factors that can affect your CPP/QPP and help you estimate your monthly CPP/QPP income.
Duration: About 2 minutes

What's your plan?
You have already chosen to work with one of our great DCA advisors-- let us help you navigate retirement planning.

Running out of money before they die and not being able to pay for long term care top the list of financial fears of seniors, according to a national survey commissioned by Financial Planning Standards Council (FPSC) and  Credit Canada.

The two non-profit organizations continue their series on the financial health of Canadians by co-sponsoring the  Seniors and Money Report. The report is a Leger poll of 1,000 Canadians 60 and older that probes the issues aging Canadians face when it comes to debt, income, financial planning and work.

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: #2018-9 September/2018

Apple season is right around the corner

Whether you pick them yourself, pick them out at the farmer's market or pick them up at the grocery store-- there's nothing like a fresh apple. And when you end up with more than you can use, there's nothing like a homey apple crisp to finish off your Sunday dinner.
This recipe is a local classic from our friends at Martin's Family Fruit Farm.

Waterloo County Apple Crisp
Making the most of harvest season
It's farmers' market season in Canada, and these savvy shopping tips will help you score the freshest produce and the best deals.

Picture this...
The sun is out and you're surrounded by sweet, earthy scents and vibrant colours. Start with ripe, red tomatoes, deep blue grapes, the lush green and yellow of summer squash, and all manner of other mouthwatering, just-picked fare. Then add some texture with the aromas of fresh-baked bread, artisanal cheeses and spicy snacks.

These are the sights and scents of farmers' market season in Canada. And while the ambience is reason enough to take a stroll through the stalls, savvy shopping can help you make the most of your visit. Use these tips to score the freshest produce and the best deals, and store your haul so you can enjoy that goodness all year-round.

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

209 Frederick Street Suite 2A
Kitchener ON N2H 2M7