Ray A. Ravoi, CFP & Natalie Ravoi, MA Financial Security Advisor

Ray A. Ravoi, CFP & Natalie Ravoi, MA Financial Security Advisor

Ray A. Ravoi
Certified Financial Planner

Natalie Ravoi, MA
Financial Security Advisor Offering Life, Health, Group Insurance & Investments.

accesd.mouv.desjardins.com

Education Savings Calculator | Desjardins

What are your goals when it comes to your children's education? Are you saving enough? Try out this quick and easy Education Savings Calculator...

accesd.mouv.desjardins.com

It's March Break - let's talk about the kids!
Did you know...
The federal government will match your deposits by 20 percent
up to $500 a year in a Registered Education Savings Plan. (You have until the end of the year in which your child turns 17.) This is the base amount; you may qualify for other government contributions. Don't leave money on the table!

A friendly Reminder!...

smartasset.com

4 Key Investing Tips for Millennials | SmartAsset.com

Investing doesn’t have to be scary, when done properly; it can be exhilarating to see your account grow! Here are a few investment tips for beginners.
https://smartasset.com/investing/4-key-investing-tips-for-millennials

smartasset.com Investing can be intimidating for anyone, but especially for young people who came of age during a recession. Here's how millennials can get into investing.

[02/21/17]   March 1
Last day to make an RRSP contribution and claim a deduction for 2016.

Saving for a trip to Greece, or a week in Florida or a long weekend in Las Vegas is possible in your Tax-Free Savings Account. What are you saving for? Contact us and let's get saving.

cbc.ca

Financial literacy to be incorporated into Ontario curriculum

cbc.ca Prakash Amarasooriya launched a petition to get Ontario to incorporate basic financial skills into Grade 10 course.

Desjardins Heart&Stroke Family Walk : Team Ravoi - Heart and Stroke Foundation of Canada / Fondation des maladies du coeur et de l'AVC

The big day is almost here!
On Sunday September 25th we will be walking in the annual Desjardins Heart & Stroke Family Walk. In the last year alone, the Heart and Stroke Foundation has helped create 165,000 survivors.

If you would like to help and make a donation please visit our team page by clicking the link below. We thank you in advance!
http://support.heartandstroke.ca/goto/teamravoi

Have a wonderful day!
Ray and Natalie

support.heartandstroke.ca Come out with your family to enjoy a walk in Hamilton's scenic Waterfront Trails starting at Pier 4 Park on Sunday, September 25 from 10:00am-12:00pm! (Registration at 9:30am) Food, refreshments, entertainment and activities for the whole family to enjoy! All proceeds in support of the Heart and Str...

blogues.desjardins.com

Teaching your child the value of money - Co-opme Desjardins

blogues.desjardins.com

www.cbc.ca

Canada Child Benefit program means more cash for some parents starting today

New Canada Child Benefit program payments start today.

http://www.cbc.ca/beta/news/business/canada-child-benefit-social-safety-net-baby-bonus-childcare-justin-trudeau-social-assistance-1.3685290

www.cbc.ca Most Canadian parents with children under the age of 18 will see more money starting today, as the Liberal government's new Canada Child Benefit payments start flowing to families.

www.esdc.gc.ca

Canada Child Benefit

www.esdc.gc.ca There is no need to apply if you already get child benefits, but you and your spouse or common law partner have to file a 2015 tax return. If you are eligible, you will automatically start receiving the new Canada Child Benefit as of July 2016.

blogues.desjardins.com

Your Money-saving Secrets: The "best" best-practices - Co-opme publication

blogues.desjardins.com

blogues.desjardins.com

5 shocking truths about saving money - Co-opme publication

Small savings add up.

blogues.desjardins.com

www.dfsinvestmentinsurance.ca

Ray Ravoi SFL - SFL Investments

Did you know that Ray is a Certified Financial Planner who has been helping families achieve their financial goals for over 33 years? Ray Ravoi: "Knowledge you can trust".
http://www.dfsinvestmentinsurance.ca/en/representative/Pages/RayRavoi.aspx

www.dfsinvestmentinsurance.ca My mission is to provide sound advice and help you achieve your financial security goals by listening to your priorities and aspirations. I help you identify your short and long-term needs and develop a suitable financial security plan, keeping in mind the values that motivate my commitment to you:

www.theglobeandmail.com

This tax season is the last kick at the can for these savings

www.theglobeandmail.com Change in marginal tax rate means higher-income earners will benefit from reporting more income in 2015, less in 2016

Whenever anything important happens in your life, we'll be there to support you.

blogues.desjardins.com

Reaching your financial goals little by little - Co-opme publication

Are you saving for a new baby, a new home, or wanting to pay down debt? Helping you reach your financial goals is what we do. It doesn't have to be complex. Let's get started!

blogues.desjardins.com

www.fidelity.com

6 tax mistakes that could increase your chance of an audit

www.fidelity.com Learn credit score basics plus four other useful facts that our contributors want you to know.

blogues.desjardins.com

First home: are you prepared financially? - Co-opme publication

blogues.desjardins.com

[04/07/16]   Education is an investment of time and money - and it won’t likely be getting any more affordable. Consider the benefits of a Registered Education Savings Plan.

on.glbn.ca

Here’s how much the new Canada Child Benefit will give you each month

The new Canada Child Benefit program comes into effect July 1. It rolls three former benefit plans into a single monthly payment. Here are some details...

on.glbn.ca Hailed as “the most significant social policy innovation in a generation," the new payment scheme formally introduced in the budget kicks in this July.

blogues.desjardins.com

Protecting your assets at all stages of life - Co-opme publication

Having a plan to protect your assets is essential. It will be one of your priorities at key moments in your life such as, getting married, buying a house or having your first child. Let's get together and review.

blogues.desjardins.com

blogues.desjardins.com

Investors: Don't overlook mutual funds - Co-opme publication

Diversification is key to a good investment strategy.

blogues.desjardins.com

The federal government will match your deposits by 20 percent up to $500 a year in a Registered Education Savings Plan. (You have until the end of the year in which the child turns 17.) This is the base amount; you may qualify for other government contributions! Don’t leave money on the table.

Actualis

Have you signed up for our Actualis newsletter?

It provides you with interesting information relevant to your financial situation. In it you will find a variety of articles summarizing current industry news and trends, in addition to useful tips to help you define your real needs and better understand the financial solutions available to you.

http://actualisbulletin.ca/T/WF/1209/txpYfI/Optin/en-CA/Form.ofsys?idUser=12644

actualisbulletin.ca My Actualis newsletter provides you with interesting information relevant to your financial situation. In it you will find a variety of articles summarizing current industry news and trends, in addition to useful tips to help you define your real needs and better understand the financial solutions a…

www.theglobeandmail.com

Many Canadians entering retirement with inadequate savings, study says

How do you envision your retirement? Let's put a plan in place to turn those dreams into reality.

www.theglobeandmail.com Study finds older workers lack a sufficient nest egg to supplement CPP and stay out of poverty once they leave the work force

How is your income taxed?

How is your income taxed? Here is a great little clip explaining just that.

What is the best way to divide your savings among your different accounts, you ask? We can help determine what's best for YOU.

www.ctvnews.ca

Tax time, 2016: A look at seven changes this year

Tax season is upon us and there are a number of changes to keep in mind for your return this year. Here's a look at the changes:

http://www.ctvnews.ca/mobile/5things/tax-time-2016-a-look-at-seven-changes-this-year-1.2803706

www.ctvnews.ca With tax season upon us, CTVNews.ca has highlighted some of the major changes that can impact how much you owe, or what kind of return may be in store this year.

[03/04/16]   "Did you know that 57% of those who reached their RRSP savings goals used periodic contributions? To avoid the rush next year, why not automate your RRSP or TFSA deposits." (Desjardins Group). Contact us for more information and to set this up!

Saving for a trip to Greece, or a week in Florida or a long weekend in Las Vegas is possible in your Tax-free Savings Account. What are you saving for? Contact us and let's get saving.

Your life, your dreams! Let us create for you a solid finanical plan, to get you exactly where you want to be.

[02/22/16]   Remember, February 29th is the deadline to top up your RRSP!

www.desjardins.com

Comparing TFSAs and RRSPs | Desjardins

How do TFSAs and RRSPs compare? This is a question we get often.
https://www.desjardins.com/ca/co-opme/action-plans-tips/savings-investment/comparing-tfsas-rrsps/

www.desjardins.com See our table comparing TFSAs and RRSPs to understand the difference betwen these two savings products.

's cover photo

blogues.desjardins.com

Weathering financial storms with emergency savings - Co-opme publication

Being financially prepared for an emergency is essential. Are you?...we can help. Something to think about as we approach the new year!

blogues.desjardins.com

www.theglobeandmail.com

Liberals detail how they will roll back TFSA contribution limits

The contribution limit on tax-free savings accounts will drop back to $5,500 from $10,000 effective January 1, 2016. However, the limit for 2015 will remain untouched.

www.theglobeandmail.com While the drop was expected, many investors were left wondering if unused contribution room would be allowed to be carried forward into 2016

blogues.desjardins.com

Tips to find your zen - Co-opme publication

Find a little zen this holiday season...

blogues.desjardins.com

www.financialpost.com

The best way to teach your kids about money? Give them some

Teaching your children about money: It's very important to start the financial conversation at home! The RESP is an excellent tool to educated your children about money management and investments. Explain to your children what an RESP is and how it works!

www.financialpost.com Tricia Barry started Money School Canada because she believes schools and parents need help engaging students on financial concepts. Get them started when the stakes are low, she says

www.fidelity.com

Tax Deductions to Consider - Fidelity

When it comes to taxes, planning ahead and keeping good records is key! Tips for deducting more at tax time:

www.fidelity.com One of the biggest secrets to getting the most from tax deductions and credits isn't that you may be able to deduct the cost of kitty litter for providing foster care to a cat. It's plain old planning and recordkeeping.

www.desjardinswalk.com

Fit for Heart - 2016 Desjardins Heart&Stroke Family Walk - Home

Join us this Sunday September 27th for our annual Desjardins Heart & Stroke Family walk!! 10am-12pm @ Hamilton’s scenic Waterfront Trails, Pier 4 Park! (Registration at 9:30)

Food, refreshments, entertainment and activities for the whole family to enjoy!

All proceeds in support of Heart & Stroke Foundation.

http://www.desjardinswalk.com/faf/home/default.asp?ievent=1146323

www.desjardinswalk.com Welcome to the Desjardins Heart&Stroke™ Family Walk. Come out with your family to enjoy a walk in Hamilton’s scenic Waterfront Trails starting at Pier 4 Park on Sunday, September 27 from 10:00am-12:00pm! (Registration at 9:30) Food, refreshments, entertainment and activities for the whole family to…

business.financialpost.com

How to cut your monthly grocery bill in half, from a woman who lived on $14,000 a year

Some tips to control your monthly grocery bill!

business.financialpost.com Danielle Wagasky was shocked to find out that she was spending $800 on groceries a month for her family of four, so she decided to get smart about her shopping

theglobeandmail.com

Your income in retirement: How much will the government provide?

Your income retirement: How much will the government provide?

theglobeandmail.com The rules around government benefits have changed recently and knowing how much you’re likely to receive and when can be confusing

We are continuously educating ourselves to serve our clients best. It was an insightful afternoon at the Fidelity Investments Event held at the Art Gallery of Hamilton.

newgenerationoffer.com

Desjardins Insurance offers you a gift for the newest member of the clan!

SPECIAL OFFER: We are thrilled to offer you a FREE one year Insurance Starter Kit for your child!

The kit includes valuable benefits that will help get your child's financial future off to a great start:
Life Insurance
Accident Insurance
Travel Insurance
Medical and Legal assistance services

It's FREE & there are no obligations. If you have a child 5 years of age or under, this is for you. Please message or email us - we want you to take advantage of this Special Offer (natalie.ravoi@dfsin.ca).

It's never too early to start planning your child's financial future!
*Please share this special offer with your family and friends.

~Natalie & Ray

newgenerationoffer.com Get a FREE insurance starter kit for your child for one year!

ca.shine.yahoo.com

This or that? How to make healthy choices at a summer barbecue

A few tips to make healthy choices this BBQ season!

ca.shine.yahoo.com We asked nutrition and wellness expert Rose Reisman to chime in on our best (and worst) options at backyard shindigs this summer.

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Click here to claim your Sponsored Listing.

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120 King St W # 1010
Hamilton, ON
L8P 4V2
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