SPECTRUMLY SPEAKING
March 2023
Hello!

We hope this e*newsletter finds you and your family well. Happy Spring!!!

As the crocuses break ground and the robins can be spotted high in the trees, it is is an exciting and energizing time of year.

As you begin to prepare for the upcoming season, remember that it is a great time to clean up our finances, along with the garden beds. Be sure to reach out to us for assistance with setting up achievable goals, maximizing your savings and planning effectively for your family's future.
Stay healthy, stay safe, and stay in touch!

Karen, Richard, Janet & Jeni
Articles of Interest
Women & Finances

In light of Women's History Month, Fidelity has surveyed women to find out how they feel about their finances. It's no surprise that "Stress" is the number one word that women use to describe how they feel. It's also no surprise that women want to support and to be supported by other women when they need advice. We at Spectrum know all about women supporting women! 
Homeowner's Spring
Checklist

If you own a home, you know that regular maintenance is absolutely essential. A once-over in the Spring can alert you to any damage that may have occurred over winter, and save you money down the road. This checklist will make sure your maintenance is complete, so you can enjoy your home without the worry! 
Bank Failures

The current stresses on the market are making everyone uneasy; if you've been following the news lately, you've heard about the two banks who regulators had to take control of in the US.
How does a bank fail so thoroughly? It turns out, having a diversified portfolio is in everyone's best interest - including your banking institution! Learn more about what led up to the failures, and what the implications could be. 
The Benefits of Family
Health Teams

There's a concerning shortage of Family Doctors in Canada, but a new team based approach to health care can help patients get the care they need quicker and more efficiently.
Practitioners are joining together to create Family Health Teams. By bringing together interdisciplinary practitioners that can service any age, it means fewer unnecessary visits, saving time and resources!
Stay the Course

One of the best things we can do for our investments, is to invest regularly and over time! We all have biases that can affect our investing decisions, but the fact is, it's always best to stick with your plan. 
If you would like to set up a systematic contribution plan, give us a call! 
Click the infographic to bring up the full article from TD.
Spectrum Office Updates & Tips
March 28 - Federal Budget
Deputy Prime Minister and Finance Minister Chrystia Freeland advises that the budget will "exercise fiscal restraint" while also making "significant" investments in Canada's health-care system and building a clean economy.
Stay tuned . . . for our analysis and highlights of Budget 2023.
Income Tax Deadline - April 30th
If you haven't completed your income tax return yet, here is a handy Tax Checklist and Tips sheet for your use. Make sure you have everything gathered before filing so you do not have to submit an amendment.
Financial Markets
Week in Review
For those interested in a deeper look at what happened in the financial markets this past week, this is for you.