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Assante Capital Management Ltd. Nov. 2016

Assante Wealth Management

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The McClelland Financial Group
DFA»

The Active-Passive Powerhouse

At The McClelland Financial Group, we believe in an investment philosophy deeply rooted in academic research.  Our goal is to provide our clients with an uneventful, worry-free investment experience.  We do this by entrusting our clients' money with Dimensional Fund Advisors.

A US based investment firm, Dimensional employs investment strategies validated from decades of academic research.  Their company is unconventional and unlike most of the large investment management companies in the US.  From their marketing process (or lack thereof) to their exclusive distribution channels, Dimensional is quickly gaining more market share for staying true to their roots and continually improving upon what they deliver to each client.

Read the following article by Jason Zweig for more details on Dimensional.

Please be in touch to learn more.

Carlo CansinoCarlo Cansino
Senior Financial Advisor

The McClelland Financial Group
of Assante Capital Management Ltd.

Tel. 905-771-5200

RESP»

FREE MONEY FOR YOUR CHILDREN

Chelsey ChartrenWith the end of the calendar year fast approaching, retailers are once again quick to remind you of the upcoming holidays.  They help you get into the spirit of the season but also give you a reason to empty your pockets, instead of fill them.

Well, I want to remind you to do the opposite.  The end of the calendar year can also present deadlines for savings opportunities, more specifically Registered Education Savings Plans ("RESP").  

20% of all contributions into an RESP (up to certain maximums) will generate a Canada Education Savings Grant ("CESG") payment.  Unused annual contribution room will carry over to the following year, and provide the opportunity for catch up.  For example:  The maximum contribution room per year is $2,500 ($500 CESG/year payable).  The maximum amount of CESG payable over the lifespan of an RESP is $7,200.  Therefore, best case scenario, the maximum CESG can be paid in the first 14.5 years.  

The government will only pay $1,000 in CESG per calendar year.  Therefore, the maximum that one can contribute into an RESP, to generate grant, is $5,000.  You can miss 9 calendar year's worth of contribution room and still have the opportunity to maximize the CESG (grant is payable until the end of the calendar year in which the beneficiary turns 17).  

If you have missed 9 years of contribution room now, then you'll want to make your contribution by the end of the calendar year to maintain the opportunity of maximizing your CESG.


Chelsey Chartren, Financial Advisor
The McClelland Financial Group of Assante Capital Management Ltd.
Tel. 905-771-5200

Fees»

Advantages of Fee-Based Advisors

FeesWorking with an advisor? If so, do you know how they get paid? What about how much you pay in fees? These are important questions to pose when considering a financial advisor.

Watch the attached video to hear Rob McClelland discuss the top 5 advantages for working with a fee-based advisor.

VIEW 3 MIN VIDEO HERE WITH ROB McCLELLAND


The McClelland Financial Group of Assante Capital Management Ltd.

Financial Planning »

Are your retirement goals a dream or a reality?

YouTubeCLICK HERE TO WATCH 2 MIN VIDEO

Creating a financial plan is the first step in securing a successful retirement. Similar to constructing a home, the end result is achieved when a blueprint is created and followed to completion. Your retirement is no different. Start with determining what you want retirement to look like, create the plan and then follow the steps to get there.

Speak with one of our
Certified Financial Planners today
by contacting Michelle Moniz at [email protected] or
calling 905 771 5200.

  Insurance Planning»

7 Things to Consider When Converting from Term to Perm

YouTubeCLICK HERE TO READ MORE...

We are well on our way to ushering in a new era in the insurance industry. After leaving life insurance tax laws largely untouched since 1982, the government has passed new rules to take effect on January 1, 2017. The changes are expected to reduce tax-favorable opportunities available to policy holders. Not surprisingly, insurance companies are busy re-evaluating their premiums and options as we speak.

Contact Carmen Cudmore,
Insurance Advisor at
905 771 5200.

Financial Advice »

The Value Of
Financial Advice

Why should you hire a financial planner? What makes The McClelland Financial Group stand out from the crowd? Co-owners of The McClelland Financial Group, Rob McClelland and Mike Connon, outline why our clients hire us, continue to work with us and the environment we create for them.

The Value Of Financial Advice

Not a client of
The McClelland
Financial Group?

  CP24 CHUM Christmas Wish »

ANNUAL TOY DRIVE

CHUM CHRISTMAS WISH CP24

In the spirit of giving,
donations of unwrapped toys for children, newborn to 18 years of age can be dropped of here.

For many kids, the holiday season means presents, parties and fun with family and friends. However, the reality is that many kids won't have a Christmas this year. Coming from families with little or no money, these kids are often lucky to receive a hot meal, let alone a brightly-wrapped gift. Toy drives are a great way to support a very worthy cause - bringing smiles to the faces of needy children during a magical time of year.

WE SUPPORT THE CP24 CHUM CHRISTMAS WISH

7787 Yonge Street, Thornhill, ON, L3T 7L2
www.tmfg.ca | [email protected]
For more info please call: (905) 771-5200

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Copyright © 2016 The McClelland Financial Group.

Assante Capital Management Ltd. is a member of the Canadian Investor Protection Fund and is registered with the Investment Industry Regulatory Organization of Canada. This material is provided for general information and is subject to change without notice. Every effort has been made to compile this material from reliable sources however no warranty can be made as to its accuracy or completeness. Before acting on any of the above, please make sure to see me for individual financial advice based on your personal circumstances. Insurance products and services are provided through Assante Estate and Insurance Services Inc.

Commissions, trailing commissions, management fees and expenses, may all be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Please read the Fund Facts and consult your Assante Advisor before investing.

*Please note that a live recording may be conducted at our workshops. Consent will be obtained, should you be captured in the video.

**All personal information will only be used in accordance with your consent, and in compliance with Assante's Privacy Policy.


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