Spectrumly Speaking
November 2013

The last candy bar has been tricked, the costumes have been put away, the real monsters have  begun to emerge, (the "Mo" Movember mustaches!) and thoughts are beginning to turn to snow tires and the pending holidays.

There are less than 45 days until Christmas and the naughty and nice lists have begun.  Unfortunately however, 
Canadian households do not have the luxury of running deficit budgets year over year.  While governments have the ability to offset increases in spending by increasing tax revenues, households must make do and maximize the income that is available to them.  Be cautious not to take on too much additional debt this holiday season.  Spending quality time with family, friends and those less fortunate is more rewarding then spending extravagant dollars that may take us months to payoff and reduces the success of reaching our long term goals.

Wishing you and your families the very best,

Karen, Richard, Janet, Ingrid and Sheila

Our Thanksgiving Family Day
October 26, 2013
@ Chappell Farms  


Portfolio Management and Your Peace of Mind  

The US Government Shutdown and Debt Ceiling

The Perils of  

Joint Ownership 


Have you been told to register an asset jointly in order to save on probate costs? 

If not considered carefully, this could end up costing you way more than the $$ you saved in estate costs.

Reduce Debt or Build Savings

Effective retirement planning involves looking at both sides of your household balance sheet.

Here is a short video
to offer you some direction  

Lighten your Spirits

The days are shorter, the skies stormier, the roads slushier, and the pending
holiday commitments can add a lot of
stress to your life.
helpful tips

Spectrum Team

Following your Spectrum Team ...


Our email addresses slightly changed about a year ago and we have been re-routing the old to the new.  As this forwarding will be stopped in the coming months, we would like to ask you to go into your email address book and ensure that any email addresses you have for us at spectrum are as follows:


firstname@spectrumfinancial.ca (remove the .on)