Monthly Minute
 September 2020 - news & updates
School is in Session
RESPs are a tax shelter and an education savings tool. Here is a breakdown of how they can work for your family.

What happens if a child decides not to pursue post-secondary education? Read tips to avoid RESP penalties here.

For separated parents, RESP savings is more complex, including each parent’s proportionate share of post-secondary expenses. Read more here.
Wonder why the markets do not seem to match the economy?
This may explain why.
Small Business
Businesses are expecting slower sales this year. How can owners maintain cash flow? Read more here.

Thinking of retiring from your corporation? Consider these tax efficient strategies.
Estate Planning
Without proper consideration and safeguards, guarantees can put wealth plans at risk. Read more to learn how to mitigate beneficiaries' personal guarantees.

It is important to prepare for the unknown. In this article, Franklin Templeton wealth expert talks about investors' rising risk focus and the importance of fluid planning.

Retirees: Should you pay off your mortgage? Read this article to weigh the options.

A retirement readiness checklist: broken down into easy, manageable steps.
The Wealth Tax
The tax system should evolve to meet the needs of a changing economy and social shift across the globe. Read this article to explore the debate of a "wealth tax".
The Supreme Court has upheld genetic non-discrimination and life insurance agents will need to adjust their questions. Read more here.

Considering a stay-cation in Canada? If you are travelling out of the province, you will need travel insurance.

Report: Auto insurers have saved billions during COVID-19 restriction period.
Go Paperless!
We all know the importance of social distancing and we all have a part to play.

Email is a crucial means of communication between clients and advisors. We are always looking for a convenient and secure solution for sharing our confidential communications and documents. Assante InvestorOnline is designed to provide you with a secure and private communication gateway, and around-the-clock access to important information about your account.

Secure communication: You can communicate directly with your advisor knowing that your information will be kept private and safe.

Easy to use: Easily navigate through your account balances, transaction history and reporting details at your convenience.

Go paperless: Receive important documents and statements digitally, to help preserve the environment and protect both our postal workers and you.

Register for Assante InvestorOnline here.
“We are all faced with a series of great opportunities brilliantly disguised as impossible situations."

-Charles Swindoll  

Assante Capital Management Ltd is a member of the Canadian Investor Protection Fund and Investment Industry Regulatory Organization of Canada.  
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 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.
Commissions, trailing commissions, management fees and expenses, may all be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Please read the prospectus and consult your Assante Advisor before investing.