December 2025 MWFS Newsletter

Submitted by on Fri, 12/05/2025 - 13:44
 
 
 
 
 
 
 
 
 
 

Hello,

 

 

As we approach the end of another year, we take a moment to reflect with gratitude, celebrate the season, and look forward to the possibilities ahead in 2026. This month’s edition features several timely financial topics to help you stay informed and confident as you close out 2025.

 

In this edition:

  • Market Update - At a Glance

  • Tips to Prevent Financial Fraud

  • 5 Things You Can Do with a TFSA

  • RRIF vs. LIF: What’s the Difference?

  • Guaranteed Life Insurance

  • Advisor’s Corner

  • Community Spotlight

  • Your Investment Dashboard

  • Season’s Greetings

 

 

If any of these articles spark questions, or if you’d like guidance tailored to your personal circumstances, please reach out to your MWFS Account Manager. We are always here to help. 

 

If you have ideas or topic suggestions for our January 2026 edition, we welcome your input, Email Us.

 
 

Market Update - At a Glance

 

As 2025 comes to a close, inflation is easing, rates are stabilizing, and both stock and bond markets have strengthened. Here’s what this means for savers, investors, and retirees: Market Update

 

 
 

Tips to Prevent Financial Fraud

 

 

Fraud can happen to anyone, but seniors are particularly targeted by increasingly sophisticated scams. Staying informed and alert is one of the best ways to protect yourself.

 

Beneva shares practical insights to help you spot warning signs and protect your financial wellbeing.

 
 
Read More
 
 
 
 

5 Things You Can Do With a TFSA

 

 

Another common year-end consideration is your Tax-Free Savings Account (TFSA). As year-end approaches, many clients review their TFSA contribution room. You can contribute now or wait until January 2026 to access new contribution room and catch up on unused room from previous years.

 

Not sure how best to use a TFSA? Sun Life offers helpful ideas and strategies for making the most of this versatile savings vehicle.

 
 
Read More
 
 
 
 

RRIF vs. LIF: Understanding the Difference

 

 

Whether you already have a RRIF or LIF, or you’re converting your RRSP or LIRA as you near age 71, understanding these accounts can help you plan your retirement income more confidently.

 

Canada Life explains how RRIFs and LIFs work, including similarities, differences, taxation, and withdrawal requirements.

 
 
Read More
 
 
 
 

Guaranteed Life Insurance

 

 

Looking for coverage options later in life or with a health condition?

Guaranteed Life Insurance may be worth considering.

 

Life insurance needs evolve over time. If you’re older, managing a health condition, or simply want coverage for final expenses, you may wonder whether options remain available.

 

RBC Insurance provides a helpful overview of who this type of coverage is designed for and how it works.

 
 
Read More
 
 
 
 
 
 
 
 
 
 

       Refer to our comprehensive Tax Tips for 2025 Year-End

 
 

Advisor’s Corner

Where your questions meet clear financial advice

 

Q: 2025 has gone by so quickly. WIth the year almost over, I’m not sure I’ve covered everything I should in terms of my financial and tax planning. Do you have any last-minute suggestions?

 

A: December is a busy month filled with festive activities, but it’s also a great time to review your financial picture before the year ends. A few areas to consider:

 

 

Investments
• Have you made your TFSA, FHSA, RDSP, or RRSP contributions?
• Unsure about market risk? Consider reviewing your risk tolerance for 2026.
• If a strategic withdrawal is needed, your Account Manager can facilitate.

 

Insurance
• Double-check your beneficiary information to ensure it’s up to date.
• Contact us if you need to update policy details or have questions.

 

Tax Planning
• Consider tax-loss selling where appropriate.
• Review medical expenses and charitable/political donations before year-end.
• Do you have a December GIC maturing? Rolling it into January may defer taxable interest.

 

Savings & Cash Flow
• Is your emergency fund earning high interest?
• Not sure whether your savings are working as hard as they could? We can help review your options.

 

Small adjustments can make meaningful differences over time. Your MWFS Account Manager is available to walk through your personal financial situation and provide tailored recommendations.

 

Community Spotlight

 

 

This December, MWFS was proud to participate in Giving Tuesday in support of the Surrey Food Bank and Canadian Red Cross. We believe in giving back to the communities where our clients and team members live and work. If you’d like to learn more about our community initiatives, please visit our Community Involvement page: Community Involvement | MWFS

 

Your Investment Dashboard

 
 
 

LOGIN

Click here to access your reports using your Client Online Access Credentials.

 

 

Your investment reports are now at your fingertips. Login to your secure client portal to access:

  • Monthly Reports: Posted within the first 6 business days of each month.

  • Quarterly & Bi-Annual Reports.

 

All reports are stored in the Documents section of the client portal for easy reference.

 

Need Help?

  • Call Lorena at (604) 581-9121, our toll-free number 1-800-397-0116, or

    Email Us, to set up or retrieve access.

    We will gladly assist you with finding any documents you need.

 
 
 
 

Season’s Greetings

 
 
 

 

Your MWFS Team (left to right): Karen, Kevin, Kaitlin, Lorena, Tracey & Rob

 

 

We appreciate your trust and partnership throughout 2025. Wishing you a wonderful Christmas season and a bright beginning to 2026. Thank you for reading—your engagement helps us continue delivering meaningful financial insights.

 

Warm regards,

Macnaughton & Ward Financial Services Ltd.

Helping you make informed financial decisions, today and for the future.

 

 
 
 

Visiting Us? Reserve Your Parking in Advanc  

 

Planning to drop by our office? We’re happy to offer complimentary parking for your visit — no need to pay at the meter.

 

Simply call us at 604-581-9121 before you leave home to reserve your space. Provide your license plate number and we’ll register it for the duration of your appointment.

 

It’s quick, easy and ensures a stress-free visit. We look forward to seeing you!

 
 
 

Travel Plans? Don’t Forget Travel Insurance!

 

Heading out on a winter getaway? Travel insurance is a must — especially when the unexpected happens.  We offer travel insurance coverage through a selection of trusted providers, including Allianz Global Assistance, TuGo, and Manulife Insurance — giving you access to competitive options tailored to your travel needs.

  • Already have health and dental coverage? You might have some travel protection built in — but it may need a top-up.

  • Don’t have a plan? We can help you find the right one.

 

Travel | MWFS

Why Buy Travel Medical Insurance | MWFS
Understanding Health and Dental Plans | MWFS

 

 

 

 

Macnaughton and Ward Financial Services Ltd. (“MWFS”) is a subsidiary of Global Pacific Financial Services Ltd., a Managing General Agency distributor representing Canadian financial institutions and life insurance companies. Our distinguished partners have a comprehensive range of insurance and financial products, strengths and benefits to best suit the needs of customers. With advice and guidance from your MWFS Account Manager, you can be confident in achieving lifetime financial security.