November Newsletter

Nov 07, 2018 | Cairy Holtby


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November 2018

 

Now that the evenings are cooler, crisper and the sun sets sooner; you may find the time to catch up on some of your favorite indoor activities. Whatever it is that keeps you busy, rest assured that our team is continuously working to simplify your life so you can spend time on what you value most.

 

As markets have been on a recent slide, it’s important to remember that downturns are routine but they rarely feel that way. We have been trending more defensive in our investment selections and recommendations to align with the recent market volatility. My team and I will continue to monitor the markets and will make recommendations that make sense going forward.

 

Capital Gains/Loss Reporting 2018:

2018 is almost in the books with less than 60 days before the New Year. As such, we would like to offer a realized capital gains/loss report to help you (and your accountant) understand what has happened in the year so far. It may prompt a discussion if there should be any tax-loss selling before 2019, so please touch base with us for your personal report.

 

Financial & Estate Planning:

We’d also like to use this time of year to encourage you to sit down and let us help you with your financial and estate planning. We can go through this process in person, or over telephone and email. You can let us know what type of communication works best.

 

RESP Contributions for 2018:

Contributions must be made between January 1 and December 31 to be eligible for that year. There is no 60-day extension into the new year, as there is for RSPs.

 

Holtby & Associates Team Contact:

Cairy Holtby 250.712.2116 | cairy.holtby@rbc.com

Jones Schack 250.712.2117 | jones.schack@rbc.com

Natel Hull 250.712.2187 | natel.hull@rbc.com

Jillian Hughes 250.712.2195 | jillian.hughes@rbc.com

 

Please stay tuned to our website, www.cairyholtby.com

You will be able to find articles we post as well as the regular Global Insight Weekly and Monthly publications.

 

 

eDocuments

Keeping track of your investment portfolio just got a little easier with electronic documents (eDocuments). These online documents include exactly the same information as the paper documents you receive in the mail today…

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RBC Dominion Securities Inc.* and Royal Bank of Canada are separate corporate entities which are affiliated. *Member-Canadian Investor Protection Fund. RBC Dominion Securities Inc. is a member company of RBC Wealth Management, a business segment of Royal Bank of Canada. ®Registered trademarks of Royal Bank of Canada. Used under license. © RBC Dominion Securities Inc. 2018. All rights reserved.

 

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