November Newsletter

It’s still too early to see what is going to come out of the Federal election results in financial terms so let’s take a look at what is happening in the rest of the world:

EU transitioning from a Greece crisis to a Migrant crisis:


The financial and logistic repercussions of what is now termed the “migrant crisis” in Europe is adding to the strains on already frayed EU relations. The Slovenian Prime Minister is predicting the end of the EU if they cannot agree to a common plan to handle this unprecedented human migration.

Many economists are warning that this situation could create financial ramifications on a global scale envisioning a broader movement of populations desperate to move out of “have not” regions into areas where they hope to find a better life.

Your fund managers are pro-actively monitoring this situation and building it into the variety of factors that determine their portfolio weightings.

US Interest rate Hike – Yes, No, Maybe?


Based on comments made at the October meeting held by Federal Reserve Board the odd’s makers are betting on a U.S. interest rate hike in December.

This long anticipated event has been taken off the table so many times it is literally on the “I’ll believe it when I see it” list. Markets appear to be about as bored as everyone else by this latest prediction as the hike in rates is anticipated to be no more than ¼%.

Fund Review

Despite a very choppy 3rd quarter of 2015 your fund returns continue to be positive – in excess of just over 4% year to date.

Fund Manager Weekly Reviews

For those of you interested in listening to a 5 minute weekly Economic review by Sebastien McMahon, the lead manager for the IA Diversified fund, please click the following link (and/or save it in your browser) – you will find it time well spent.

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Direct Settlement

I would like to share with you an illustration from a slide that is an integral part of my Estate Planning seminars.

This slide illustrates how Smart Estate Strategies enhance your Legacy and provide Direct Settlement to your Beneficiaries.

I hope you enjoy this illustration which can be accessed through the link below:

Smart Estate Strategy »

(603 kb .PDF file)

Contact Us

To set up a no nonsense confidential review to determine if our Smart Estate or other proven financial strategies will work for you, contact us at 1-800-665-7707 or Email

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Protecting Your Retirement

I would like to offer you the opportunity to participate in an exercise that may help you identify and protect your current or future retirement lifestyle from a significant financial risk.

The Exercise

This question is part of my Estate Planning Seminar, and will help you identify how extended family can pose a financial risk to your retirement lifestyle.

I have two questions I am going to ask you – take 30 seconds on each question. You may find it helpful to put a mark down each time you think of an individual or family.

Click on the link below to access this thought provoking exercise, you are not required to submit your answers or provide any personal information.

Protect Your Retirement »
(410 kb .PDF file)

Contact Us

To set up a no nonsense confidential review to determine if our Smart Estate or other proven financial strategies will work for you, contact us at 1-800-665-7707 or Email

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Leave a Legacy and Enhance Your Wealth

Estate Planning and Wealth Enhancement should not be mutually exclusive.

Through our Transgenerational Programme you would purchase and own a Life Insurance Policy that insures the lives of your children or Grandchildren to:

  • Provide an immediate enhancement of your Legacy.
  • Create a growing Tax Sheltered Savings Account that you can access at any time.
  • Provide financial support to the families of your adult Children should they die prematurely.
  • Establish a structure that will permit a tax free transition of Funds to your Estate.

The link below will take you to a case study based on an actual situation illustrating how Transgenerational Insurance enhanced and protected three generations of one family.

Transgenerational Case Study »
(374 kb .PDF file)



To set up a no nonsense confidential review to determine if our Smart Estate or other proven financial strategies will work for you, contact us at 1-800-665-7707 or Email

10 Ways to Ensure You Don’t Outlive Your Money

Don’t know if your savings will last?

Traditional financial plans say you can withdraw 4% of your initial portfolio value every year (with inflation adjustments). But low interest rates or a long bear market may force you to adapt. If you’re concerned about outliving your savings, plan to be flexible with withdrawals. “People get anchored to a specific amount, but you need to review it and make corrections occasionally,” says Steve Lowrie of Lowrie Financial in Toronto.

Being flexible about your retirement date helps too. Do the math and you’ll be amazed at the difference if you work a year or two longer: you get an extra year of income and an extra year with no withdrawals from the portfolio. Working part-time in retirement will also help your savings last.

You should never take more investment risk that you can stomach, but your portfolio will likely last longer if you allocate more to stocks. A mix of 50% stocks and 50% bonds might be suitable for disciplined retirees.

See more and read the whole article here:

From Dan Bortolotti

Call our office at 1-800-665-7707.
Our Advisors are available for a complimentary review of your situation to help you determine if our Cost Recovery Programme, or any of our other proven financial strategies, are right for you.
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