June 2015

Summer Plans mean relaxing, enjoying some down time, and maybe even planning for the future.

This often helps us re-focus and re-think our priorities. 


Vacation planning is a lot like financial planning, taking a little time to ensure things are set up, will help you enjoy the journey, and the destination. 


I recommend this taking about 20 min. a month to ensure your financial future plans remain on track.  In fact, if we review a few key facts, we might determine that a few bad habits are easy to eliminate with just a little bit of focus.


Do you share the most common investor bad habits? To learn more, 8 Bad Habits 


How can we help you stay on track?  Most habits just take 60 days to change.  Let us help ensure you stay on track.


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Portfolio Construction. Active portolio management is not only about selecting the right investments, it is also knowing when to sell them. Continue reading Alfred Lam's article on fluctuating exchange rates, volatility and bonds.  Click Here
Big Picture  Oil's slippery slope. Richard Wylie discusses the  impact volatile oil prices has on the Canandian economy. We are impacted personally by oil prices when filling up gas, to macroeconomic scale where Canada is a leading energy exporter. Click here to continue reading
Market Commentaries and Webcasts to Keep You Informed:
Wealth Matters:  Financial updates, most recently on Travel Insurance and Global Real Estate.  Check into these informative tools.



Resolute holders Annual Meeting was held on June 10th with Tom Stanley. If you could not attend, please give us a call.  I am happy to review the position of the fund & the direction going forward.

1st Joy of Aging 2015 Committee Meeting will be on Wednesday June 24th at 5:00pm. If you are interested on joining the committee please contact us at




Proceeds from the 7th Annual Joy of Aging event will help fund the purchase and installation of Vital Sign machine at Mackenzie Richmond Hill Hospital. Vital Sign machines are used daily in virtually every area of the hospital. They are used to monitor patients' vital signs, including their heart beat, blood pressure, breathing rate and temperature. Vital Sign Monitors allow continuous patient monitoring and help physicians and nurses be more efficient. An increasing number of patient conditions and procedures require this level of monitoring.


Cottage Owners:


Share your strategies at planning for the future.  We have numerous articles and ideas on tax and planning strategies to help keep the cottage in the family.  Here's 1, and for more, please contact me.  6 tax mistake cottage owners should avoid.  Click here to view some ways to reduce your cottage tax bill.




This website provides a quick calculator to help identify your biggest risks.  It can look at Life, Disability and Critical Illness insurance protection and provide helpful tips. 


Quick Reminder:  Travelling Soon Anyone?  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. Travel Insurance. Any questions, please give us a call to help.




Sat. June 14th:  Walk, Talk & Roll:  in support of the Aphasia Institute .  This walk will raise funds for The Aphasia Institute, which provides incredible research and support for families and victims of Aphasia.  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.  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.




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.  



Quote of the month:


You don't need to be great to be happy.  Small lives well lived are equally as valuable. (Unknown)

 I hope you can find 1 small thing that will help make somebody else happy!  Then you'll both be smiling!


Have a great summer!


Janine Purves, CFP, CPCA


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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 St. 

Suite 302

Richmond Hill,

ON L4B 0B9


Visit our website at www.janinepurves.com