Spectrumly Speaking
April 2018    

We hope our electronic newsletter finds you and your family well and enjoying the long awaited sunshine and spring temps!!

As most of us have just completed our tax returns, it is a perfect time to review your personal situation to see if there can be any adjustments made that would put you in a more favorable position for the 2018 tax year.   We would be happy to review your income tax return with you ~ just let us know. 

Wishing you a wonderful spring season!

Karen, Richard, Jeff, Janet, Ingrid and Sheila
(Click on picture above to watch video)

We are excited to share details on an great
opportunity through Manulife Bank  

Open a NEW High Interest Savings Account (their Advantage Account) and earn a promotional rate of 2.4% (1.15% above their posted rate, currently 1.25%) on all deposits through to August 19th, 2018.

This account also features:
  • A combined chequing and savings account to simplify everyday banking
  • A high rate of interest to help boost savings - higher than interest rates offered by other Canadian banks and credit unions.  Currently 1.25%
  • FREE unlimited everyday banking when the account balance is at least $1,000
  • Access to cash at over 3,700 ABMs that make up THE EXCHANGE® Network across Canada.
  • Mobile app and photo capture to upload cheques.
If you are a new customer to Manulife Bank and you are opening a personal (not joint), non-registered account, you can do so online using the easy link below.  If you wish to take advantage of this offer in another type of account or you are an existing customer, please call us and we will organize this for you. We can facilitate access to Manulife Bank products through our referral arrangement.
Role Reversal

Mom and dad took care of you, soon the roles may be reversed.   It is important to have open conversations ahead of time and to have a good understanding of what options
are available and the potential costs.

Can you really afford that  
dream house?  

Here is a great article on some important financial considerations to take into account when buying a home.

Common Law ??  Get a Will !!

A common law relationship is recognized and handled differently depending on what service or situation you are dealing with.  One area that many people do not realize however is that Common Law couples in Ontario do NOT have any inheritance rights.

Monthly Features
Seminars, Market Watch, Office News & Tips
Karen and her family would like to sincerely thank everyone for your kind messages & words of comfort.

Karen is easing back into work and truly appreciates your patience and support during this difficult time.
Please remember to send us copies of:
  • Your Notice of Assessment - typically 4 pages mailed to you after completion of your 2017 tax return
  • For RDSP folks, the letter from CRA indicating the maximum grant dollars available for this year.  This letter was mailed earlier in the year.
Both of these items give us valuable information and is important for us to review, take note of and track on your behalf.       Thank you!  
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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