Spectrumly Speaking
April 2016  

Welcome April Showers!

We hope you are enjoying your spring thus far and are looking forward to the sunshine and warmer temperatures that will eventually come our way!

This month's E-Newsletter is packed full of interesting articles and tidbits we think you'll find both helpful and interesting.  Our series of free learning events continues on June 7th, with Karen's "Special Needs Planning" presentation.

All of the best to you and your families.  Here is hoping that we see some of those May flowers after all!

Karen, Richard, Jeff, Janet, Ingrid, Sheila and Alicia
Nine things that can derail your 
retirement plan 

Even the best-laid retirement strategies can be sent off course by unexpected curve balls.  Here are the most common obstacles to look out for when building your own retirement plan.


 Make the Most of your Tax Refund

Before you spend any tax refund you receive, be sure to   consider these five great ways to get the most out of the
                                        money you are getting back.

Paying your executor
Should you pay your executor and if so, how much should you pay?

Read Barrie lawyer Cesia Green's Blog...

New Parents and Grandparents:
Dependents make all the difference 

Every day new parents and new grandparents are born!   It's a magical, busy, exhausting time for all involved.

It can also be a very stressful time for families once the realities of parenthood (and grandparenthood) sink in. Much has changed in the 25-30 years since the parents were babies themselves and the grandparents were actively involved with newborns themselves.

Monthly Features
Seminars, Market Watch, Office News & Tips
Announcing Our 2016 Line Up of the
"Holistic Planning Seminar Series"

If you are in the Barrie area, check out our upcoming seminars.
Our Special Needs Planning Seminar will be held on June 7th, 2016.  Feel free to bring along a friend, co-worker or family member that you feel may benefit from the information we are sharing.

Market Watch

Market Watc h 

For those with more of an interest in what has happened in the markets this past month, Click here for an update.

Spectrum Team

Messages from your  

Spectrum Office Team ...

  • Thank you to all of you who responded to our "Satisfaction Survey".  If you have not yet done so, please take a minute to complete it today!  We need your feedback to continually improve and enhance the services we provide.
  • We are very grateful to those who came out and made our "Health Planning Seminar" a tremendous success - Thank you!
Tip of the Month - Make a Shopping List

One of the easiest ways to save money is to only shop when you have a list.  When you are without one, you typically end up making impulse buys and unplanned purchases.

Creating a list before you go to the grocery store is especially important.  Not only can it help you buy items that fit with your meal plan, it can also help avoid buying food you might waste.

Always create a list and more importantly -
stick to it!

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Spectrum Financial Strategies
339 Huronia Road Barrie, ON L4N 8Z1

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