October  2015

Quick Tips:  RESP tips to help you benefit most from your education savings?
After many questions, we have a new article: 
RESP Do's and Don'tsRead on to ensure you are taking advantage of the key issues for RESP's.
The most important tip is to use an RESP because its the best vehicle to gather tax-deferred funds for post-secondary education while earning 20% on your contributions.

For specific details on RESPs, please refer to the HRDC website.  Click Here

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The past 2 quarters have brought more volatility to the market.  When I was updating my Monthly Minute I realized the same situation happened last September-October. The TSX dropped 10% over a 2 week period and made many people nervous about future growth.  The challenge of no income from safe investments can be difficult, and often triggers us to add more equity exposure.  But with that comes additional volatility.  So, for longer-term money its critical to ensure we maintain the balanced approach and re-balance to ensure you are on track.

Can you guess the number of days per month we have seen more than 1% increase or decrease in 2014?

a. 0 trading days
b. 4  trading days
c. 20 trading days 

Remember, Warren Buffet once said:  "Be fearful when others are greedy, and be greedy when others are fearful."  

To better learn what professional managers are doing, please read on......
The Joy of Aging 2015:
"The Answer May Be in Your Genes"
The 7th annual event to promote healthy aging for Women will be held on Nov. 1 at Bellvue Manor in Vaughan.
Featuring Tracy Moore, and
 Dr. El-Sohemy, as our Keynote Speaker.

Healthy breakfast, silent auction, gift bags and information booths.

Tickets are on sale now, and we're excited to offer the Early Bird pricing until Oct.13!

To purchase your ticket, or make a donation to Makenzie Health Foundation, please go to The Joy of Aging.
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Monday October 19th, 2015
Richmond Hill Centre For The Performing Arts

We are proud to be a presenting sponsor for this year's Richmond Hill Centre For The Performing Arts season.

In fact, if you are driving North on Yonge street ( north of Major Mackenzie), check out our banner.

Classic Album Live- Sgt. Pepper's Lonely Hearts Club Band

November 12, 2015

Richmond Hill Centre For the Performing Arts
We will be a presenting sponsor for the Classic Album Live- Sgt. Pepper's Lonely Hearts Club Band.

If interested and for more information, Click Here

Aphasia is often a result of a stroke and affects one's ability to speak.  The Aphasia Institute provided tremendous support to my family when my father suffered from a stroke 5 years ago. $1,200 was donated on behalf of my father to the institute. I want to thank family and friends for their support

They are recognized worldwide for their ability to help bring life back to stroke victims, and I want to express my thanks to the wonderful team at The Aphasia Institute. 

If you know somebody who suffered from a Stroke, please consider supporting this wonderful cause. For more information, click here.




Carl Richards helps us to make complicated ideas simple. He helps us to realize how we can make financial planning pertinent to you. 


What's your favourite website?  I need to hear from you!  I want to share websites that have great information, great tips, and really help people stay on track  Please send me your favourites.


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.  


Well-Advised Newsletter: We also send out a quarterly newsletter that touches on financial planning for retirement, insurance priorities and market conditions just to name a few. Click here to access the latest issue. If you would like to receive upcoming newsletters we would gladly add you to our list by kindly replying back to this email. As always, we try to keep you in the loop so you are up-to-date and informed.


Quote of the Month:

"Be nice to people as you journey through life. You never know when you may meet them again". Unknown
Wishing you a beautiful fall season.  May your walks in the woods be filled with colour and vision.

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.

Janine Purves  


Senior Financial Advisor

Assante Capital Management Ltd.


Ph (905) 707-5220

Fax (905) 707-1035


9130 Leslie Street

Suite 302,

Richmond Hill,

ON L4B 0B9


Visit our website at www.janinepurves.com