Summer 2017 

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Financial Tip

What legacy do you want to leave?  Time to start thinking about the many options that are available. 

Last month,  I started to build a few "financial tip" videos, to help people make better financial decisions.  The first I am happy to share here
Business Owners:  

With many tax changes now being discussed for
Entrepreneurs, it's critical to ensure we have the most effective strategy, and stay current with the changing laws.  Here is a recent link to a recent write up on the pending changes for CCPC (Canadian Controlled Private Corporations).

In  the meantime, 1 strategy to provide a way to allow tax-free withdrawals from your corporation to your heirs is shared thought the following video.
Check out this video presentation.  With regulatory changes coming soon, it's important to review your options now. 


Wealth Matters Webcast  
Mark your calendars for the next session of Wealth Matters on Wednesday, August 9  at 2 p.m. ET.

TFSA maxed out?  Maybe you don't qualify for one, but still want some of the same benefits.  Learn about alternative tax efficient vehicles led by Troy Rumpel, Vice-President, Estate Planning, Assante Estate and Insurance Services.  Learn how Canadian individuals and business owners alike can take advantage of these alternative structures that expand on the tax benefits achieved through a TFSA.

How can you make money with Fixed Income? Get an overview of Signature's global fixed income mandate within the context of the global bond market.

A Q&A period will also be available at the end of each portion of the presentation.
  • To participate via your Internet browser, click here.

  • To listen live via telephone, note the following details:
    Audience dial-in: 1 (800) 708-4540
    Confirmation number: 43768285
BBQ at The McMichael Gallery

Thanks to those clients  that enjoyed the McMichael family day.  It was a wonderful day to share the beauty of the McMichael Gallery, and the incredible grounds, and have a llitte fun with family art battles.  I thought this picture was fun, and wanted to share it.  If you would love an opportunity to experience the beauty  of the grounds and art of the Gallery, contact us for the Special Assante discount.

From mortgages to lines of credit, the rise in the 'overnight rate' will hit Canadian consumers. Click Here


Understanding the risks that high debt levels pose to both the housing market and the broader economy can help individuals avoid emotional responses if and when any changes occur.
Let's make sure you are on track for your financially independent future, contact us to review how Cashflow Planning can help you achieve your future.
I am pleased to be sponsoring The Richmond Hill Centre For The Performing Arts for the 3rd year.  This time, with 2 colleagues, we will be sponsors of the OnStage Series, for unique Canadian talent in a more intimate setting.
I hope to see some of you at the theatre this year.

Check out the  2017-2018 Shows

  I will be sponsoring the Newmarket Redmen Tyke MD Hockey Team for the
2017- 2018 Season.


This dedicated team really showcases hard work at a young age. Wishing them a successful season!
Check out one of the many 5000puckchallege completed by the team.

As part of his July commentary, Alfred Lam, Senior Vice-President and Chief Investment Officer, Multi-Asset Management, explains that investors have different views, which is why some may choose to buy shares of a company while at the same time others may choose to sell. While buyers and sellers, or the forces of demand and supply, determine a stock price in real time, the long-term value of a company is driven by its earnings and cash flows.

Traveling Soon Anyone? 

When you're travelling, even a minor accident or sickness can become a major expense and inconvenience.

Why purchase Travel Insurance?
  • Your Canadian health insurance is almost certainly not valid outside of Canada. 
  • Your provincial or territorial health plan may cover nothing or only a very small portion of the costs of medical care abroad, and never up front.
  • Foreign hospitals can be very expensive and may require immediate cash payment. You could face years of debt paying off the costs of treatment for an illness or accident you suffered abroad.
  • The Government of Canada will not pay your medical bills.

Just go to this link on our website and you sign up right away Travel Insurance coverage . Any questions, please give us a call to help.

Thank you to all that have contributed to the charitable cause!   I had fun on the Big Bike in June, in Richmond Hill.  My team was the largest fundraiser community team in York Region.

Thanks to a few special clients who participated in a recent video.  Check it out below. 


REFERRALS: Thank you for your referrals. We really appreciate you passing along our name.  If you know somebody who needs a 2nd opinion on their portfolio, or who really needs to focus on planning for the future and setting some objectives, I can help.  Ensuring you have the retirement income you need and paying the least amount of tax along the way is how I enable you to meet your personal financial objectives.  
Quote of the Month:  
"Cause a little bit of summer is what the whole year is about" 
John Mayer
Wishing you all a beautiful summer, to spend time to relax, rejuvenate and enjoy your family and friends.  
Janine Purves, CFP® , CPCA, CCS  

This material is provided for general information and is subject to change without notice. Every effort has been made to compile this material from reliable sources however no warranty can be made as to its accuracy or completeness. Before acting on any of the above, please make sure to see me for individual financial advice based on your personal circumstances. The opinions expressed are those of the author and not necessarily those of Assante Capital Management Ltd.

Insurance products and services are provided through Assante Estate and Insurance Services Inc. Assante Capital Management Ltd. is a member of the Canadian Investor Protection Fund and is registered with the Investment Industry Regulatory Organization of Canada.

Assante is an indirect, wholly-owned subsidiary of CI Financial Corp. ("CI"). The principal business of CI is the management, marketing, distribution and administration of mutual funds, segregated funds and other fee-earning investment products for Canadian investors through its wholly-owned subsidiary CI Investments Inc. If you invest in CI products, CI will, through its ownership of subsidiaries, earn ongoing asset management fees in accordance with applicable prospectus or other offering documents.

Commissions, trailing commissions, management fees and expenses, may all be associated with mutual fund investments.  Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.  Please read the prospectus and consult your Assante Advisor before investing.

Janine Purves  
Senior Financial Advisor
Assante Capital Management Ltd.
Ph (905) 707-5220
Fax (905) 707-1035
9130 Leslie St.,
Suite 302,
Richmond Hill,
ON L4B 0B9
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