November 2019

Times they are A'Changing

At my recent conference, the focus on technology and its impact on our world, and our lifestyles was undeniable.  Read the most recent article on the impact in our industry.

One of the newly introduced enhancement is Assante Connect. The platform for Assante integrates a digital interface with professional advice.

Financial and Business Planning

Trusted Contact Person Vs. Power of Attorney What is the difference? It my recent meetings I have reviewed the importance of having a trusted contact person in addition to Power of Attorney and how they compliment each other.

When life changes, so do financial plans. 

Proud to have an accessible practice and helping others to achieve this goal.
Tips toward establishing an accessible practice                                                                                                                                                                                                                                                                                                      

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Market Update

Negative Interest Rates, What does that mean?

Real Estate 

If you own a property make sure you understand what CRA expects when you sell it.  

Richmond Hill Centre For The Performing Arts Season kicked off October 3th. I'm excited to be a sponsor this year, helping to bring great art and entertainment to our community.  Enjoy an evening out with a great line up of performers for the 2019-2020 year including Burton Cummings and many more

Estate Planning: Hands Down this is the area I get asked about most often!  
So, we are hosting a series of Estate Planning Seminars from October to April. 


Here are the remaining seminars:

NOV. 7th The Role of Executor:  The Good, The Bad & The Ugly. With so much riding on the role of the executor and additional administration, it's critical to have the right person in the job. Sorry you just missed it. If interested please send an email to

NOV. 20th Downsizing Done Right:  Understanding all the steps of downsizing, both from a financial, lifestyle choices, tax implications and real estate choices.  Comprehensive session providing a hands on Workbook that gives you all the tips needed to move forward.  Register Here

JANUARY 15th Keeping the Cottage in the Family :  Katy Basi presents all the key items to help ensure that vacation home can be maintained through the generations.  What to watch for, and how to protect the asset and the family relationships. Register Here

April 8th  Creating Your Family Legacy:
Understanding how to enhance your family values through better tax planning, will planning and charitable giving.  Register Here
Need help initiating the Estate planning discussion within the family?  We offer a Family Wealth Planning session that helps to facilitate those difficult discussions, but also ensures key priorities that need to be shared are discussed.  Ask us how we can help.

Joy of Aging 2019 marked the 11th anniversary supporting the Centre for victims of Domestic Abuse & Sexual Assault for the Mackenzie Health Foundation.  The special morning, was enjoyed by many that learned from Dr. Elaine Chin about how to care for our skin, and enjoyed tips on Women and Wealth, as well as a fashion show featuring "mother's and daughters" of people in our community that support the hospital.  Thanks for celebrating with us, we raised approximately $34,000 this year to bring our total raised for the foundation to $376,000!

Would you like to make a difference for those suffering from Domestic Abuse, please feel free to donate.  Every dollar helps! To support Mackenzie Health Foundation and the Domestic Abuse and Sexual Assault Centre, please click here. Thank you

Quote of the Month:  
"If we all just try to be normal, we will never know how amazing we can be."
Maya Angelou

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.  
Janine Purves, CFP® , CPCA, CCS  
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.

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
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