Spectrumly Speaking
November 2016  

November is Financial Literacy Awareness Month! 
  • Start with a budget - it is a powerful tool in your financial toolkit.
  • Take control of your financial situation; live within your means.
  • Know your rights and responsibilities when it comes to breaking your mortgage, interest on cash advances or giving out your PIN.
  • Have a savings plan - save for emergencies and opportunities as well as your future.
  • Review your debt - understand the differences between good and bad and how to manage both.
If you would like further resources, tools and information, please contact us.

Wishing you a fabulous November!

Karen, Richard, Jeff, Janet, Ingrid and Sheila 
2016 Year End Tax Strategies

Tax planning should be a year-round affair. But as year-end approaches, now is a particularly good time to review your
personal finances and take advantage of any tax planning opportunities that may be available to you before the December 31 deadline.

As we enter the final weeks of 2016, here are some tax tips you may wish to consider for:

* Investors      * Families with children     * Students
* Teachers and early educators     * Charitable donors     * Business owners

Are you in a common law relationship?

Some areas of the law treat a common law partnership the same as a married relationship and others do not.     
If you are in this type of union, it is important for you to know the possible consequences.


How to recovering from a financial setback 

Events that negatively affect finances can happen to anyone. Overcoming a challenging situation - whatever form it takes - requires determination, patience and good planning.

Monthly Features
Seminars, Market Watch, Office News & Tips
Thank you!

We sincerely wish to thank everyone that came out to one or more of our 2016 Holistic Planning Seminar Series this past year.  We covered the following planning areas:  Health & Wellness, Special Needs, Retirement Income and Estate planning.  

We hope you found the information we shared of value!

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.
Make Your Own Gifts

If you want to save money while giving generously, creating your own homemade gifts is a great way to accomplish both!

You can make food mixes, candles, bread, cookies, soap and all kinds of other things at home quite easily and inexpensively.

When it's time to give, include a handwritten card or note to give it your extra special personal touch!   
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Spectrum Financial Strategies
339 Huronia Road Barrie, ON L4N 8Z1

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