Financial Wisdom

February 2024

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Years of study, exams and experience have culminated in the attainment of my designation of Portfolio Manager.

As I look for further ways to enhance the efficiency of my practice and utilize my new designation, I will be introducing additional investment strategies using a Unified Managed Account (UMA) platform. This platform allows me to create a suite of investment mandates specific to a client's risk profile, account size and overall financial needs while reducing overall management cost to you by taking advantage of the scale the platform provides.


  • Access to a wider range of investment products at institutional level pricing
  • Access to additional professional asset managers hand selected by me.
  • Periodic rebalancing as per our agreed upon mandate

I will be reaching out to any clients I feel will benefit by this new offering. However, if this interests you, please reach out to my office to arrange a meeting.

2023 Tax Slips - please note that clients will receive tax slips from NBIN (January to July 2023) and CIIS (July to December 2023). All 2023 T4 slips should be in hand by the end of February 2024 and 2023 T3 and T5013 slips by the end of March, 2024.

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Personal Finance & Job Transfers

These days, having a career presents many more new rewards and challenges than it ever used to. What we used to take for granted – including our work location – can sometimes change dramatically as companies continue to change and adapt to new economic situations.

This can be great for a business and its bottom line, but really tough on the employees within it. Because we never know exactly what the future holds, you may find yourself facing a job transfer at some point along your career path.

Whether you have already completed a job transfer, are facing a potential transfer, or are in the process of transferring to a new city, there are many things to consider in relation to your overall financial plan.

New Place Equals New Expenses

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Maximizing Your Retirement

Bob and Lisa are wondering just how their retirement will turn out. After all that’s happened over the past few years, their RRSP accounts haven’t grown as much as they had expected. Even in the best of times, they weren’t saving as much as they could have been, at least for all their post-retirement desires.

The good news is that this is not a black-and-white topic. If you fail to save as much money as you want, then it just means that you’ll have a little less and life will go on. It doesn’t automatically turn your retirement into a disaster. Bob & Lisa are learning they just need to learn to live within some new boundaries.

Ellen retired a few years ago. Plunging interest rates have reduced her anticipated GIC income. Despite this, she counts herself lucky as...

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Develop success from failures. Discouragement and failure are two of the surest stepping stones to success.

Dale Carnegie

The information in this email newsletter is general information only and is not intended to constitute specific legal, accounting, financial or tax advice for any individual. Every effort has been made to ensure accuracy in these commentaries at the time of publication; however, accuracy cannot be guaranteed.

Fundeco Financial
50 Main St. E. P.O. Box 690, Beeton, ON L0G 1A0
Ph: (905) 729-0598