Spectrum Financial Strategies / Worldsource Financial Management Inc

Because Special Needs Planning can be very complex, we’re introducing our brand-new website dedicated solely to this community!
Visit us and explore who we are, our approach and the various resources available.
We will guide you through the sometimes-overwhelming processes, and make sure your loved ones are taken care of!
SpectrumSpecialNeeds.ca https://ecs.page.link/aMuip

We have been facing some challenges with our original Facebook account, so we’ve created a brand new page For Spectrum Financial!

We’d love it if you would join us at our new FB home:

https://ecs.page.link/bPq4B

Do you know where your money goes each month? How does your spending fit into these suggested categories? We assist our clients with cash flow management.
Call us: 705-725-0562

If you haven't made your final contributions, there's still time!
Call us: 705-725-0562

Our November newsletter is now available!
Click below, or copy & paste the link into your browser for End of Year Tax Deadline, Money Barbie, Responsible Grandparenting & More!!
https://ecs.page.link/6oism

With recent volatility and inflation, many Canadians are seeing their retirement funds depleted. Optimism among pre-retirees is down 7% from just 5 years ago.
Having a financial plan, and having it reviewed and adjusted regularly can make a huge difference in feeling both financially prepared for, and psychologically prepared.
Click below, or copy & paste the link into your address bar, for more findings from Fidelity Investment Canada's latest retirement report.
https://ecs.page.link/cygdU

The team at Spectrum Financial want every little ghoul & goblin to have the best possible Halloween experience! This is a reminder that not all children communicate verbally, so here are some alternative methods you can look out for with your trick-or-treaters!
Have a Happy, Safe, and Inclusive Halloween!! 👻👻👻

Right now, you can get 5.25%* interest for four months when you open a new Manulife Bank Advantage Account. When your promotional rate ends, you’ll still have one of the strongest everyday high interest rates in Canada -currently 2.85%.
With no monthly fees, and full access for everyday banking, this is an ideal way to earn interest on your savings, while keeping your funds accessible.
Fill out this 5 minute application: https://ecs.page.link/bxrzc

Or, as always, call us to set up a time to talk about your individual situation, and how we can help.
705-725-0562

You can earn 5.00% on new deposits into a Canadian-dollar Business Advantage Account for the first 6 months. We can tell you more about this Business Account, complete the application with you, and put this high interest savings account to work for you and your business! 705-725-0562 or [email protected]

As life takes you through ups and downs; we'll be there with you to guide you through.
705-725-0562

Higher inflation is set to push the Tax Free Savings contribution amount to $7,000 next year.
If you would like more information on how a TFSA should fit into your overall planning, call or email us:
705.725.0562
[email protected]

For more information on the increase, click below, or copy & paste the link below to your browser bar:
https://ecs.page.link/m3SX2

“Gratitude is the inward feeling of kindness received. Thankfulness is the natural impulse to express that feeling. Thanksgiving is the following of that impulse.”
~ Henry Van D**e

We hope you are able to enjoy this long weekend with those you love, with gratitude, and thankfulness in all your hearts.

The report from the national inquiry into Missing and Murdered Indigenous Women, Girls and 2SLGBTQQIA+ People, published in 2019, includes 231 calls for action. In 2021, a National Plan of Action was published.
The path is laid: we need to walk it.
https://ecs.page.link/dpZJ8

We can help you build a solid investment plan that can withstand volatile weather.
Call us today ~ 705-725-0562

Enjoy our latest E-Newsletter - chock full of useful financial articles!
Click the link below, or copy & paste it into your browser:
https://ecs.page.link/mbBzJ

What do Bull vs. Bear Markets Mean to an Investor?
A bear market describes any stock index or individual stock that drops 20% or more from its recent highs. A bull market, on the other hand, typically rises 20% from recent bear market lows and reaches record benchmark highs.
Let Spectrum guide you through. 705-725-0562
https://ecs.page.link/yzmF2

Our team at Spectrum Financial would like to send a big "Thank You" to everyone participating in the Terry Fox Run this year! Because of you, this organization has raised MILLIONS towards cancer research! 🌞

Thinking of starting a business of your own? A business plan template is a great place to start -- but first, make sure your finances are in order!
Spectrum can help.

Business plan template for entrepreneurs: https://ecs.page.link/8YzEf

Wishing educators and students of all ages and abilities a smooth transition back into the classroom and a successful year!

Why do we have so many emotions towards money? Guilt, envy, fear? This article helps explain the why behind our feelings, and how they come about.
Spectrum can help you sort through your finances, and replace the negative with the positive!
https://ecs.page.link/ZvWSm

The Psychology of Money: What You Need To Know To Have A (Relatively) Fearless Financial Life Emotions and family history drive our individual relationships with money and personal finance. Learning about the influence of emotions, the impact of family stories and how to avoid avoidance helps you face financial realities and feel and be safer and calmer both psychologically and financially.

If your employer offers to match contributions to your group retirement plan, and you're not taking advantage, you're leaving free money on the table!

With an average debt per person of $15,578 at graduation, students will be happy that Canada has eliminated interest for Federal Student Loans and Apprentice Loans, but some provinces charge it. This is including loans that are presently being repaid.
https://ecs.page.link/mVGri

Whether you’re starting your career or preparing for retirement, getting married or going solo, your financial situation and needs are unique. But there are fundamental money principles anyone can follow to begin building financial success.
https://ecs.page.link/ZdyFi

Recently, millions of Canadian workers received the first of 3 annual payments of the Canada Workers Benefit. These payments are meant to top-up the incomes of low- and modest-income workers. There is no need to apply, the payment will be automatically made to your bank account. Click below, or copy and paste the link into your browser for income level eligibility
https://ecs.page.link/w7rm8

Happy Civic Holiday, BC Day, New Brunswick Day, Saskatchewan Day, Heritage Day, Natal Day Simcoe Day, John Galt Day, Colonel By Day, Terry Fox Day, Emancipation Day, or whatever you know this municipal holiday as!

No matter what you call it, or why you observe it, we hope you appreciate and enjoy the day with the people you love. ❤️

Call us for a no-obligation chat - 705-725-0562