Spectrumly Speaking
December  2019    

Image result for holiday greeting images
We hope this e-newsletter finds you well and you are able to take some time to enjoy the true splendor of the holiday season with family and friends.  Be vigilant to not get caught up in the stress of the hustle & bustle. The most beautiful things in the world cannot be seen or even touched, they must be felt with the heart.   
Wishing you an incredible 2020 filled with great health, true happiness and an abundance of love and laughter!
Karen, Richard, Janet and Sheila
Year End Reminders
The truth is, many of us won't start thinking about things like taxes and deductions until March or April comes around, but there are several important financial and tax-related deadlines that should be considered before we ring in the New Year.
Be the hit of the holiday season 
Give the gift of Education.

Instead of wrapping up yet another sweater, video game or poorly constructed  toy, think about a gift that will have a lasting impact.  

Have a look at Fidelity's RESP Gifting guide
Death vs Disability
A typical 30 year old has a four times greater chance of becoming disabled than he/she does of dying before age 65.  

Life insurance is designed to benefit your estate upon your death, but what can help us meet our needs while we are alive? 

Living benefit solutions help protect your wealth and give you the financial freedom to maintain your lifestyle or to obtain the care that you require in the event of an injury or illness.
Bank of Canada held Interest Rates 
last week and the economic outlook appears somewhat more upbeat.

Monthly Features
Seminars, Market Watch, Office News & Tips
Spectrum Christmas Hours
December 24      8:30 - 12:30
December 25, 26, 27    Closed
December 30      8:30 -   4:30
December 31      8:30 - 12:30

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Market Watch
Market Watch   

For those with more of an interest in what has happened in the markets this past week, click here for an in-depth update from TD.
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Spectrum Financial Strategies
339 Huronia Road Barrie, ON L4N 8Z1

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