November  2017

I find this is a good time to review year end priorities and setting goals for next year.   
Do you plan to withdraw from your Tax Free Saving Account (TFSA),  trigger losses, donate to Charity or make RRSP contributions? 
I can help. We always look at the big picture.  
The checklist shares  some items to review as a business owners
Other useful links to help you organize for year end: 

Have everything at your fingerprint.  Important that after filing in your information, please keep this in a secure place that can be accessed by people you intend to share it with such as your executor or loved ones.

Take 5 minutes to assess your current financial health by answering a few questions about your spending, borrowing, saving and investing habits.  

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Purchase or refinance Real Estate now, before rules change in January
If you're looking to buy and will have more than 20 percent down, or if you are considering refinancing, then you might want to do so before January 1, 2018. Why?

Portfolio Managers explain the pros and cons of these potentially disruptive currencies and outlines the current view on the currencies as an asset class.   
Continue Reading  
Quick Tips: 

Have a large gain on some stocks?  Want to donate to your favourite charity?  Combine the 2 benefits.
You can donate the shares directly, and have the ability to waive the capital gain, and get your Charitable Donation tax credit.

Making a difference with Charitable Donations

Every year I donate to charities.  I donate both time and money, and it's an important part of my contribution to my community, and my country.  It's also a great way to meet some incredible people.  

As many of my clients feel very passionate about giving back, I wanted to remind each of you that it's so easy to give, and it's a great way to reduce your taxable income.  If you donate a non-registered investment, you can get the charitable tax credit, but also have the capital gain waived completely.  Now that's a win-win in my books.  Let us help you find a way to give back.  
Mackenzie Charitable Foundation is celebrating its 10 year anniversary. It provides an option to Canadians set up their own Foundation with as little as $25,000 you can make a difference for a lifetime.   
Also, please refer to my article on Charitable Giving for more details.
Favourite website 
(I can't believe I'm giving CRA credit)

Here's an effective video about Charitable Giving prepared by CRA.  (And it's very helpful too!)   

Want to learn more?  Need answers?

Thank you to all who participate
d; the volunteers who worked tireless hours helping the event come together, the attendees who filled the room this year, the amazing sponsors who come back each year and help contribute to Mackenzie Health Foundation.

Thank you again for your support
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.  

Downsizing Seminar Dates:
Markam Village Community Center  
Wednesday, November 22nd 11-1pm 

Aurora Family Leisure Complex  
Tuesday, November 28th 11-1pm 

Please email me to reserve your spot. Learn all the options, how to get the most for your house, to sell or to stay and prioritize your needs.
Quote of the Month:

"When one thought ends, right before the next thought begins, there is a tiny gap called 'now.' Over time we learn to expand that gap" - Spring Washam

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


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