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Francis Forum
The Francis Forum Provides Perspective
The Francis Forum is a quarterly newsletter written to help provide you with important analysis and perspective on the financial markets. Each quarter we take time to provide you with advice, links to important resources, and in-depth analysis on topics that can affect you and your family’s economic well being. Topics can include changes to Canadian tax law, the Canadian budget, retirement planning strategies and many other interesting topics. We also pass on information on upcoming seminars, community events, and some other interesting articles related to achieving a good work life balance.
Navigating the Financial Markets in the Second Half of 2023: What to Watch Out For
As we dive into the second half of 2023, it’s an exciting and crucial time for investors like you and me. We find ourselves at the crossroads of economic recovery, policy shifts, technological breakthroughs, and geopolitical events that have the potential to shape the financial markets in significant ways. In this article, let’s embark on a personal journey as we explore the key factors to keep an eye on from a financial market perspective in the latter half of 2023.
Getting a Head Start for Your First Semester at University
Starting university is a major life transition – even the most academically well-prepared students (like you!) may find that adjusting to the new learning environment, course workload, freedom and responsibilities of university life may involve some challenges.
To support your transition, here are a few steps to help you prepare for your very first semester at university.
Get organized: The first step to manage your stress throughout the school year is to be in control of your academic responsibilities. If you receive your syllabi before the first day of class, read through it carefully taking note of important deadlines and exam dates.
Life insurance, an Untapped Treasure in High-Net-Worth Financial Planning
Life insurance is not just a “death benefit.” It’s an important tool that can help save money and transfer wealth, particularly for individuals with high net worth.
Throughout my 30-year career, I have observed some common misconceptions about life insurance products. For many, life insurance is simply a reliable, long-term way to make sure their loved ones are financially secure after they pass. While this is true, for wealthier individuals, there’s much more that life insurance can do.
Renewing in a Higher-Rate Environment
I’ve been getting a lot of questions lately about mortgage renewals – not surprising, given the steady rise of mortgage rates over the last couple of years. People with mortgages renewing in 2023 and even 2024 are justifiably concerned about what their new mortgage will cost, what impact it will have on their cash flow, and whether or not they will even be able to pass the stress test with today’s rates!
The Admin Corner: The Client Request Process – EFT (Electronic Funds Transfer) & Wire Requests
Our primary goal is to ensure Electronic Funds Transfers (EFTs) and Wire orders are initiated, executed, and approved in a secure manner while meeting the needs of our clients. We want to ensure that you receive your fund requests when you need it; for example, buying a new car or any other purchase.
Please be reminded of the following process to ensure no delays are encountered for funding requests.
News
CTV Money Mondays – Duane’s Live Appearance
Don’t miss watching CTV Morning – Money Mondays recording from August 21, 2023, where I talk about Back to School Finance Reset.
Re-Embracing The 40 Year Mortgage
Don’t miss watching Ottawa’s CTV Morning Live Segment where I talk about the topic of Re-Embracing The 40 Year Mortgage
We are thrilled to receive the 2023 Faces Magazine Award for Wealth Management Firm of The Year!
Capital Wealth Partners Wins Wealth Managemtn Firm of the Year for 2023!
2020 Global Market Outlook
Q2 Update: Cycle, further interrupted The COVID-19 virus has stalled the mini-cycle rebound and made a global recession likely. The duration of the virus pandemic is unpredictable, but policy stimulus, pent-up demand and a lack of major imbalances argue for a solid upswing when the virus threat clears. Continue Reading
Seminars
Each month, clients are welcome to join us for a variety of compelling Seminars that can help you gain a better understanding of the multiple facets of the financial world as well as in other non-financial topics. We bring in established accredited professionals in a professional and impartial environment and allow you the ability to ask questions. Topics range from tax planning and retirement planning, to travel options and seasonal gardening. The topics and speakers are selected based on where your interests lie, and we are always open to suggestions.
Tax Planning
Insurance Planning
Pension Planning
Other Seminars
Social Events
We feel it is important that we provide opportunities for you to interact with the team throughout the year, and enjoy some time together with friends and family. As such we organize several activities throughout the year. To see the events which we typically organize, see the list to the right.
Typically we organize events throughout the year, at least one per quarter:
Family Movie Events
Annual Euchrefest
Let’s Take a Swing at Cancer
Children’s Christmas Event
15th ANNUAL EUCHREFEST 2021
After missing our first year in 14 due to the challenges of Covid-19, we are back! Duane and his team cordially invite you to enjoy an informal virtual evening of Euchre in a tournament format.
For all of you Euchre enthusiasts, this will be a fun night of cards with a chance to win fabulous prizes!!
All are welcome, whether you know the game or not, but if you are a beginner, brush up, because the competition is fierce.
Please contact Natalie Nunn at 728-0101 ext. 228 or via e-mail or by online form below on or before Friday, May 14th, 2021.
“Let’s take a Swing at Cancer” Golf Tournament
We are excited to once again bring you the “Let’s take a Swing at Cancer” Golf Tournament in support of the Ottawa Regional Cancer Foundation.
This year the tournament will take place at the Greyhawk Golf Club on Tuesday, June 6th, 2023 with check-in and lunch beginning at 11:30 a.m.
Visit the website to register.
About The Tournament
In 2004, the Herman Hansen Memorial Golf Tournament was founded in memory of Ed’s father Herman Hansen, who was diagnosed with colon cancer in 2001 and then sadly passed away in August 2003. It is our goal to raise money and awareness in support of the ongoing work of the Ottawa Regional Cancer Foundation.
After 18 years the tournament and “Drive” events have raised just over $360,000 and we are back again this year to raise even more!
This year’s tournament is brought to you by Gifford Carr Insurance Group, Ed Hansen of Hansen Lawn and Gardens Inc., Steven Lacroix of A. Lacroix Heavy Equipment Rentals, Jim Hill of Travel with Jim and Steve, Duane Francis of Mandeville Private Client Inc. and Eric Gill of Pro Printers.
About The Cancer Foundation
The Ottawa Regional Cancer Foundation is dedicated to increasing cancer survivorship in Eastern Ontario by working to fill the gaps in services for cancer patients and their families. The Cancer Foundation partners with local organizations and hospitals to ensure residents have the best care close to home, shorter wait times for diagnosis and treatment, access to research and the latest new therapies and overall improved quality of life. For more information on the ORCF please visit: www.ottawacancer.ca