September 2018  

September is a month of new beginnings

So, with all the emphasis on Financial Education, how are we doing as Canadians?  The following link shares the most recent trends of Canadians when it comes to money.

The recent survey released from CPA indicates that more Canadians are saving than last year.  But more also have increased debt.  With uncertainty leading all our headlines, being in a stable financial position certainly helps to survive more uncertainties.

Last, 1 surprising statistic is that 47% are still uncomfortable speaking about money.  This critical subject should be shared.  That way we all learn more.  Making sure we improve our daily financial habits has the biggest impact over the long term.

See more about the Canadian Payroll Association here.

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Kids Back At School? Financial Steps To Stay on Track

September is also a time when school starts again.  Identifying Financial tips for youth and families

Ideas for families to consider best financial priorities.
RESP Not Enough? Consider Life Insurance To Pay For A Child's Education 
Upcoming Events

Sandwich Generation- Saturday September 22nd, 2018

Dealing with a host of issues while trying to help your aging parents?
Wondering how to manage all the financial, economic, social and physical challenges on their behalf?
Trying to juggle all of that while still looking after your kids and other family and business needs?

I will be the MC for the event. Make sure to get your tickets and get real life advice and strategies that will help you and your family survive - and thrive.

Portraits of Giving- September 12th   
The 9th Annual Portraits of Giving initiative presented by HJ Pfaff Audi and Merk Photography invites you to the Richmond Hill Centre for the Performing Arts for a reception with Richmond Hill Honourees Jason Kaptyn from the Sheraton Parkway North Toronto Hotel and Benson Kearley IFG SMAI Young Adult Honouree Iman Tajadod.  
Portraits of Giving celebrates individuals from across nine municipalities in York Region, who exemplify the importance of Social Responsibility and POG also shares educational information during the nine month tour to inspire York Region to keep giving back.  
At the reception a surprise cheque for $1000 will also be presented to the Richmond Hill Food Bank on behalf of the Portraits of Giving initiative to help Richmond Hill families. For more information, visit:  
I hope to see some of you at the theatre this year.

I am pleased to be sponsoring The Richmond Hill Centre For The Performing Arts for the 4th year.  We will be sponsors of the OnStage Series, for unique Canadian talent in a more intimate setting.  
Who says you have to go downtown for interesting lectures.
As the theatre grows, new features continue.  This year, take advantage of the new "Speaker Series", a series of professional lectures on critical topics.  For more information, or to purchase your tickets, click here.

Joy of Aging 2018 Early Bird Ticket sales ends September 14th

Sponsorship Opportunities are also available.

Joy of Aging 2018 is a special, fun and informative morning to celebrate Healthy aging, and this year, is the 10th anniversary. Join us to celebrate, and enjoy the new "fashion show".
All proceeds will go to the Mackenzie Health Foundation. T ickets, event details and sponsorship opportunities are all on the website-  There are many ways to be part of this great event that has 300+ annual attendees.  Know a business that would benefit?
Have a great group of ladies that deserve a morning out? Please share!


Portfolio Construction: It is all about Trump
Discussion on the trade tariffs imposed by U.S. President Donald Trump and the impact so far on affected countries.

The Big Picture:  All the glitters 
Wylie's latest edition of The Big Picture commentary explains that during times of heightened uncertainty, investors have sought the refuge of lower risk investments. One of these so-called safe-haven investments, gold, has a particularly long history of attracting attention during periods of political and social upheaval.
Defining Your Retirement
Are you ready for retirement?  By starting earlier, small changes can help.  Let's talk.
  Is retirement on your horizon? FollowMe Health can keep you covered when group coverage ends. Click Here to learn more  

On September 21st ( Thornhill), September 26th( Markham), October 18th (Richmond Hill), October 24th ( Aurora)  join me at  for a special presentation and workshop with realtor Sharon Parenteau discussing downsizing options and resources available for a comfortable transition.

To register please email or call (905) 707-5220
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:  
The expert in everything was once a beginner.  Unknown.
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 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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