We hope this newsletter finds you and your family all well and gearing up for an exciting holiday and winter season. 

As 2012 slowly draws to a close, it is a good time to clean up any year-end items before the crisp New Year reigns in.   Please be sure to call on us ~ we would be happy to help you in any way we can.

Whether you are an avid skier/snowmobiler or prefer to nestle by a crackling fire with a good book, we wish you the very best! 

Before you settle into the hectic

holiday season, here are some

year-end tips for you to consider

putting in place.

                          Helpful Tips ... 

 

By 2061, when the full heft of the baby-boom generation have made their way through old age, some 80,000 are expected to celebrate their 100th birthday.  Centenarians are now the fastest growing demographic cohort in Canada today and their numbers are expected to double in the next 10 years.  According to the New England Centenarian Study, the likelihood of living to age 100 and beyond depends on: 

• Girl Power - more women turn age 100 than men
• Butting out - smokers need not apply
• Old and lean - staying slim helps
• Chilling out - Centenarians are better at handling stress
• Longevity genes - having a parent or grandparent who lived a long life.

  

• Meet your Spectrum Team 
• Direct access to your investment accounts & statements online - send us an email to obtain your ID and password.
• Helpful tools and calculators
• Articles of Interest