Spectrumly Speaking
January 2015  

Hello and Happy New Year!!

We hope that you had a wonderful holiday season and that 2015 is off to a fabulous start for you and your family.

After the New Year celebrations, resolutions and meaningful promises to improve our satisfaction with life typically follows;  health, more diligent savings, stronger relationships, quality time with family and personal or business growth ... to name a few.   To enjoy success in any of these areas, you need to design a plan and set some realistic and measurable goals.   After all, A goal without a plan is just a wish.

We wish you true success in whatever you want most for this coming year.   If we can help you in any way to achieve your personal goals, please let us know.   Designing plans and nurturing them through to completion is our passion.

        Karen, Richard, Janet, Ingrid and Sheila
Market Outlook for 2015

What challenges do investment managers foresee for the  
coming year?

How will we be effected by oil prices, interest rates and currency swings
                     in Barrie, ON

April 1, 2015

Special Needs Planning & the RDSP

May 12, 2015
The Role of the Executor

**Watch your inbox in the coming weeks for your invitation
To Do Note
For those of you that made  
'Putting your Financial House in Order' a New Years Resolution, here are  
some helpful tips and reminders:
  • RRSP Contribution deadline for the 2014 tax year is March 2, 2015
  • Have you made your 2015 Tax Free Savings Account deposit yet for this year?
  • Need help with managing your cash flow?  We have a helpful tool on our website to help you.   Complete our Calculator, save your file and email it to us for evaluation/suggestions.
  • If writing/updating your Will and speaking with your family about your wishes is on your Resolution list, send us an email and request a copy of a 'Will Planning Workbook' and/or an 'Executors Reference Guide' to assist you in the process.

To Hedge or Not to Hedge,
that is the question ...

Here is an easy to understand piece on how your investments are affected by changes in currency as we have dramatically seen in this past year.

Failure Provides Deep Roots for Growth


Do you sometimes feel like you are banging your head against the wall and not getting ahead? 
Rethink Retirement Planning
Rethink Retirement Planning

Here is a very brief, simple, message on planning
for your future and retirement.

Will you be Traveling this Season?

Here are a few tips so that you can enjoy your holiday to the fullest!

Spectrum Team

Following your  

Spectrum Team ...  

We are very pleased to introduce you to,  Jeffrey Schreiter, CLU, CFP, CH.F.C.
the newest addition to our Spectrum team!                    


Jeff is taking on the role of Business and Personal Insurance Specialist and will be available to assist our Ontario clients with providing the comfort and security that comes from knowing that their lifestyle, income and loved ones are properly protected.

                            Welcome Jeff !!

"Jeffrey Schreiter is associated with Spectrum Financial Strategies only and is not registered in any capacity with Worldsource Financial Management Inc. (WFM). WFM is responsible for mutual fund-related business activities conducted by its Registrants, and is not responsible for the business activities of other related or unrelated individuals and/or organizations."

"The pessimist complains about the wind; the optimist expects it to change;
the realist adjusts the sails."
- William Arthur Ward