Spectrumly Speaking
Fall 2018    

We hope you had a lovely Thanksgiving weekend and are looking forward to the Autumn season with its changing colors and cooler temperatures.  

As many of you will know, this has been a difficult week in the markets with most indices posting declines.  The Dow Jones, an American index posted it's 3rd largest one day point drop in its history.  The largest one day drop happened early this year in February, devastating investors and rattling the world.  It recovered within the same calendar year.  Markets fluctuate, that is what they do and we can be certain that they will continue to do so moving forward.  

We know it is extremely difficult to watch your hard earned savings decrease in value but we have to remember that we have worked on putting a solid, diversified, long-term investment plan in place.   We have enclosed an article below that we hope you will find helpful in situations like this.   

Please be sure to call us if you have any concerns or if your situation has changed and we need to look at making some adjustments to your overall plan.

We wish you, and your family, the best of the Fall season.         

   Karen, Richard, Jeff, 
J anet, Ingrid and Sheila
Dealing with Difficult Markets
When markets are volatile, it's natural to be worried about the impact on your portfolio. And when you're worried, you want to take action.

However, it's important to recognize that sometimes the best course of action may be to do nothing. If you have a sound investment plan, you may already be in the best possible position to weather the market storms.

Understanding the Difference between a Personal Advisor and "Robo-Advice"

With more focus on management and advisory fees, many people are looking at "DYI-Do It Yourself" Investment programs or "Robo-Advisors".  

There is no doubt that you should be able to reduce your investment cost but what are you giving up in exchange.  
Do you know someone going 
through a divorce?
Divorce can be one of the most stressful and emotional times an individual can go through, so it's crucial to make sure you don't let your feelings impact important financial decisions that you can't turn back from.
What is the "40-70 Guideline"?

If you are at least 40 or if your parents are at least 70, it's time to perhaps sit down and begin talking about some of the more sensitive issues around aging.

Are you Feeling the Holiday Stress begin to creep in?

The holidays are chaotic but they don't have to be. Follow these 10 tips and plan for a stress-free (and debt-free) holiday season.   
Monthly Features
Seminars, Market Watch, Office News & Tips
Introducing our Quebec 
Support Team: 
Sirignano Financial Services

If you live in Quebec or the Ottawa area, Richard will soon be introducing you to Danny Sirignano and his Support Team, as part of Richard's retirement plans.   

We had a successful "meet the team" luncheon in the Eastern townships last month and will be having another in Montreal sometime in November.  Stay tuned for your invitation!

The word "bankrupt" is from the Italian banca rotta, literally "broken bench." In the years of early banking, people who exchanged, stored, and lent money did their business in the public marketplace at a bench. If the man at the bench, or the "banker," ran out of money or was unfair, his bench would be broken.

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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