What To Expect From Your Advisor?
Over the past few years, I have had many people referred to me to provide a financial plan that will help them determine where they are, and how they will manage in retirement.
My most important role as an advisor is ensuring you meet these goals. These are the steps to do that:
* Identifying where you are today
* Establishing what you need in the future
* Putting together annual savings targets to get you there
* Setting up an Investment Portfolio to
* Review and adjust each year as things change.
* Provide Coaching and Modifications to help you achieve these goals
Why do I share this? Most of the clients that have come to me have had an advisor. In some cases they had a solid investment portfolio, but without the coaching, without the annual savings, without the tax and estate planning strategies, they have not met their goal.
That means, as a financial advisor, they did about 25% of the job.
So, if you work with an advisor, and they are not providing these steps, maybe it's time to ask, or consider other options. It's not too late, and remember, it's always better to do today what should have been done yesterday. Emergencies, inflation, health challenges can throw off our great plans. Make sure you know where you stand when you can actually do something about it. Choice is really what the future is all about. Let's work together to make sure you have lots of choices to make.
Think some Cashflow Planning can help?
Travelling for March Break?
If you need Travel Insurance, we now offer a quick and easy solution. Just go to this link on our website and sign up right away.
. Any questions, please give us a call to help.
2017 Leading Women/Leading Girls Awards
. I am honored to be a recipient of this prestigious award.
The Leading Women/Leading Girls Building Communities Recognition Program acknowledges and celebrates women and girls who demonstrate exceptional leadership in working to improve the lives of others in their communities through volunteer work. Thank you for the opportunity.
McMichael Art Gallery
When the occasion to sponsor the Moonlight Gala 2017 came around I was thrilled about the opportunity. Firstly because of my passion of supporting the arts and secondly the chance to be part of the Group of Seven and the impact they had on Canadian Identity and diversity.
Portfolio Managers explain that those hoping for constructive action on U.S. President Donald Trump's pro-growth policies and less action on his protectionist ones have been disappointed. However, as long as democracy and free markets remain in place to foster technological growth and productivity enhancements, the U.S. will continue to be an attractive place to invest. Continue Reading
CI positions portfolios for global growth
For more recent podcasts from your favourite managers, please see janinepurves.com.
Tax Time is Upon Us:
- RRSP receipts are now mailed. Please ensure you have all receipts before completing your tax return.
- Have a "Non-Registered, Cash Account" then ensure you have all receipts before completing your tax return. Most T3's and T5's are issued by Feb. 28th, but certain products have until March 31s to issue these receipts.
- Many fund companies are now sending T5008's to reflect gains and losses incurred in Non-registered accounts.
- Fee-deductibility is a tremendous benefit for Non-registered accounts. While all compensation fees are now disclosed on the statements, only those under the Fee-Based Portfolio are potentially deductible. Please confirm details with your accountant.
Tax Help Needed?
Check out our tax organizers to keep you on track.
Need an accountant:
I am happy to provide a recommendation. I work with many, and can find a good fit for your needs. Just call the office to discuss your priorities.
ONLINE STATEMENTS & RECEIPTS NOW AVAILABLE:
Have you set yourself up on
? It's time, as we now have online statements and the ability to print your own receipts and more.
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, that's what I specialize in. Ensuring you have the retirement income you need and paying the least amount of tax along the way is how I help you to meet your personal financial objectives.
Thanks to you for helping us achieve a level of service and standard at our branch that is allowing us to help each of you to meet your goals, and better prepare your family for the future.
Please feel free to pass these e-mails on to contacts, friends & family who may find them helpful.
"From what we get, we can make a living; what we give, however, makes a life."
~ Arthur Ashe
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.
Services and products may be provided by an Assante Advisor or through affiliated or non-affiliated third parties.
Dates to Remember
March 9: Proud to Sponsor the Arts: Classic Albums Live U2 Joshua Tree, Richmond Hill Centre for the Performing Arts
March 15: 1st Personal Tax installment date.
March 22-29 Janine on Vacation. Janice and Andrek are here and happy to assist with any issues that arise.
Good Friday (Office Closed)
Proud to sponsor the Arts:
McMichael Gallery 50th Anniversary Moonlight Gala
Senior Financial Advisor
Assante Capital Management Ltd.
Ph (905) 707-5220
Fax (905) 707-1035
9130 Leslie St., Ste. 302
ON L4B 0B9
Visit our website at www.janinepurves.com