December Newsletter

Dec 12, 2018 | Cairy Holtby



December 2018


It’s hard to believe a whole year has flown by. With Christmas and New Year’s right around the corner, we hope you are beginning holiday traditions and getting together with loved ones. We’d to take a moment to thank you for your continued support and we wish you all the best this winter season and a Happy New Year!


RSP / TFSA Deadline 2018:

The RRSP contribution deadline for the 2018 tax year is Friday, March 1st. If you plan on making an online RRSP contribution, online payments take two business days to process and will need to be sent by February 27 (during business hours) in order to be received for the March 1 deadline. The annual contribution limit this year is $26,230.

TFSA contributions are now up to $6,000 in 2019 and still $5,500 for 2016 & 2017, totaling the maximum contribution limit to $63,500.


Capital Gains/Loss Reporting 2018:

We would like to remind you we offer a realized capital gains/loss report to help you (and your accountant) understand what has happened in the past year. 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.


eDelivery of Tax Forms:

Starting January 2019, clients will have the ability to download their tax documents electronically via DS Online. This includes tax forms, slips, receipts or other documentation (including T3, T5, RRSP contribution receipts, etc.) that RBC DS is required to send clients under applicable tax legislation. To enroll in eTax, clients are required to provide us with expressed consent in writing or switch themselves via DS Online


Holtby & Associates Team Announcement:

Jillian Hughes has moved on to pursue her passion for traveling. We are sorry to say goodbye, and we wish her all the best with her future plans in Australia & New Zealand. Natel Hull and Jones Schack will continue to provide client services.


Cairy attended a Due Diligence conference with Dynamic & CI Funds in November. She came with some very good information regarding these funds.


 Office Holiday Hours:

Cairy will be away on holiday from Dec 24th until Dec 28th, Natel and Jones will be available in the office with reduced hours (shown below) to answer any of your questions.


Monday, Dec 24th Christmas Eve: 8 am – 1 pm

Tuesday, Dec 25th Christmas Day: Closed

Wednesday, Dec 26th Boxing Day: Closed

Monday, December 31st New Year’s Eve: 8 am – 1 pm

Tuesday, Jan 1st: Closed


Team Contact:

Cairy Holtby 250.712.2116 |

Jones Schack 250.712.2117 |

Natel Hull 250.712.2187 |


Please stay tuned to our website,

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



Artificial intelligence: Investing in the age of transformation

The explosion of AI technology is creating real opportunities for investment strategy as these transformative innovations are here to stay.

Read more





Fixed income portfolios: Build defense by dialing back risk

Don’t wait for fear to do the work of reason — start to de-risk fixed income portfolios now.

Read more





Have you planned your digital legacy?

Complications from digitalization are anticipated to grow over time as more people stop keeping important information in an easily accessible place.

Read more


Interesting Reads


Seeing the “alpha” in wealth planning


Source: RBC Wealth Management



Why the wealthy barber won’t act as executor for even his closest friends


Source: RBC Wealth Management


Baking secrets from the Canadian Living test kitchen


Source: Canadian Living

9 Ways to get (and stay) motivated this winter


Source: Canadian Living


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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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