October 2025
Hello everyone,
Finally, we can reveal our BIG AND EXCITING NEWS!
We are super excited to announce that Mélissa Sabourin is joining the Francis Sabourin Wealth Management team as Business Development Assistant.
A recent graduate of HEC Montréal with a Bachelor of Business Administration (BBA) degree in finance, Mélissa completed an internship at Raymond James before becoming an administrative assistant and company ambassador.
Previously, she worked at Desjardins Insurance as an insurance agent, where she gained solid experience in customer relations and file management.
Alongside her work, she is pursuing her professional designations with a view to being able to advise and trade on the markets in the future.
A big fan of Formula 1 and hockey (especially during the playoffs!), Mélissa enjoys cooking and trying new recipes. To relax and recharge, nothing beats her trusty old bike, which already has several kilometers on the odometer!
Mélissa's arrival will enrich the team, now composed of seven people who have only one goal: to manage your wealth to ensure a future that matches your ambitions.
Needless to say, Papa Sabourin is happy and immensely proud that his daughter is finally joining the firm he created over the past few decades!
Join us in wishing her all the success she deserves!
You can reach her at 514-989-4839 or by email at Melissa.Sabourin@patrimoinerichardson.com.
Our quarterly review is online
On another note, our third quarter review is available in
English and in
French.
The least we can say is that it was very interesting (and profitable!) quarter: the markets exceeded expectations and several peaks were reached!
China stood out, even though some fundamentals remain uncertain for the time being.
The Trump effect is being felt among our neighbors to the south; all indicators are green, except for employment, which is struggling to keep up. Wage increases are minimal, which is slowing growth.
In Canada, data confirms that businesses are waiting to see what happens next and are keeping their reserves close to their chest.
What should we be watching in the near future? U.S. household consumption, which will be the key indicator for what happens next.
See you soon!
Francis, Michael, Hossein, Jean-Marc, Kristopher, Stéphane and Mélissa
TFSA dollar limit to hold steady in 2026
Image credit: Michal Jarmoluk, Pixabay
The total contribution room available next year for someone who has never contributed to a TFSA and has been eligible to do so since its introduction in 2009 will be $109,000 next year, up from $102,000 in 2025.
Read more
The Canadian snowbird's checklist - Everything you need to do before you go
Image credit: Damon Warren, Pixabay
If you’re an experienced snowbird, you already know that being away for an extended period of time in the winter requires considerable planning and organization to avoid issues and make sure your trip goes smoothly.
If you’re a new snowbird going away for the first time this coming winter, this checklist will be particularly helpful. And for you experienced snowbirds - you just might discover something new you hadn’t thought of!
Read more
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