Spectrumly Speaking
September 2019    

Happy September!  

As usual, we cannot believe that summer is quickly coming to an end and we are busying ourselves with back to school preparations and thoughts of closing up the cottage, cleaning up gardens and putting away all that summer paraphernalia!   How does it seem to creep up faster year after year?

We are however entering into a beautiful season ~ Autumn ~  the vibrant fall colors, cooler days, pumpkin pie, warm apple cider and new TV  programs launch.  It is also a time for getting back into our regular activities, schedules and perhaps more serious conversations about planning for the future.  

Whether you are just starting out, planning for or educating children, saving for a home/cottage, preparing for retirement or financially assisting your parents or grown children, we can help.  Make sure we are aware of your upcoming priorities and how best we can help you to manage through them.

We look forward to working with you in the coming months and want to wish you and your family a wonderful Fall season!
 Karen, Richard, Janet and Sheila
Living Solo
The increased shift to one person households can largely be attributed to Canadians marrying later in life, divorcing more often and living longer.   Living on your own comes with unique challenges.  Here is a great article from Manulife Financial to help you manage your finances on a single income.

If you would like a budget worksheet to help you with your expenses and cash flow, please email us.             
Blended families, inheritance and intestacy

We all know the number of blended families is growing - in 2016, 1 out of 10 children in Canada were part of a step family.  Common law relationships are also more commonplace, which makes for a complex blended family situation and potentially, an estate mess.

What happens when the non-biological parent dies without a Will?  

 Here is one example of an actual case, that unfortunately, is very common ... 

6 Frequently Asked Questions  about Registered Education Savings Plans (RESP)

Here is a great article from RBC Bank answering the top questions we receive, concerning RESP programs.
Getting off the Sidelines - 4 Reasons to Invest Now and Stay Investing

Here is an easy to read snapshot from TD showing the universal benefits of investing. Great piece to share with young adults.
Monthly Features
Seminars, Market Watch, Office News & Tips

Stay tuned for upcoming 
Fall Seminar Dates 
in Barrie
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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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339 Huronia Road Barrie, ON L4N 8Z1

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