Spectrumly Speaking
January 2014 


We hope this newsletter finds you well and enjoying a fantastic start to 2014.  

One of our goals this year is to continue to provide you with helpful articles and information on financial matters as well as other topics of general interest.   It is always a challenge to find publications we are permitted to use but also spanning topics that would appeal to our younger as well as our more mature clients and friends.      


We hope you enjoy reading our e-Newsletter as much as we enjoy publishing it.  If you find any articles or links that you feel could benefit another, please feel free to share and let them know of our services.  If there is a subject matter that you would like to read some information on, please feel free to send us a quick email and we will try to include it in a future issue. 

Wishing you and your family a 2014 filled with much love, laughter, good health and true happiness. 

Karen, Richard, Janet, Ingrid and Sheila

Should you Borrow to Contribute  
to an RRSP ??

This is a fantastic strategy to build your retirement pool, but it is not for everyone.

Are you, or someone you know, receiving the Disability Tax Credit from the Federal Government ?

If so, you will have recently received a letter from Ottawa advising that you may be eligible to participate in the Registered Disability Saving Program.  

Call Karen to learn about this incredible savings opportunity and whether you can and
should participate.

Should you make an RRSP contribution or is a Tax Free Deposit better for you?

You need to have a proper evaluation done  because every situation is different, but 
here is snapshot of some things we

Missed Opportunity ?? 
Here is an interesting short story
I came across and knew Richard would thoroughly enjoy and thought you might as well !! 

Read on .....
Travel Tips 

Whatever your destination, enjoying your trip depends on staying healthy.  


Spectrum Team

Following your
Spectrum Team ...



RRSP / Tax Season Notes:


  • March 3, 2014 is the deadline for making an RRSP contributions for the 2013 tax year.  We can now make a direct purchase into your investment account by electronically taking the money from your bank account (as opposed to you sending in a cheque) as long as we are able to obtain your signature on a purchase form via email or fax.  Ask us how!


  • You will be receiving your Year end investment statements from us as well as the individual investment companies over the next few weeks.  After reviewing and calling us if you have any questions, It is always good to put these with your income tax information and give them to your tax preparer.  They may contain needed information such as confirming RRSP deposits, deductible investment fees and/or capital gain information.


  • Did you know that  you no longer need to wait for a new web  access code to file your income tax return electronically?  Click here for details