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VPG Bulletin
November 2025

Hello everyone,
 
Let's get out the trumpets and calculators: Financial Literacy Month is here!
 
This is a great opportunity to learn more about money, how credit and debit cards work, and many other aspects of our lives.
 
Several virtual conferences (webinars) are being organized as part of this month, including one entitled “Planning for Retirement: As Much About Numbers as Dreams.” It will take place on November 26. The link to view the program and register is available by clicking here (in French only).
 
November is also the time to start your year-end tax planning. Whether you are an entrepreneur, executive, real estate investor, employee, or individual, there are actions to take and decisions to make in order to reduce your 2025 tax bill.
 
Among the factors to consider in your year-end tax planning are: ·  
  • Measures affecting investments; ·      
  • Capital gains and losses; ·      
  • Major residential renovations; ·      
  • Quebec's new parental union regime.

Movember provides another opportunity to expand your knowledge about mental health and male cancers.
 
Gentlemen, in November, we proudly wear mustaches and purchase bow ties sold by Procure, a charitable organization whose mission is to raise awareness and fund research.
 
See you soon!

Francis, Michael, Hossein, Jean-Marc, Kristopher, Stéphane and Mélissa

 

Don't let the romance scam break your heart
Image credit: Mohamed Hassan, Pixabay

Typically, the victim and the criminal will often meet virtually through a social networking or dating site. The criminal will then try to develop a relationship with his or her intended victim, sometimes spending several months making the victim feel they are in a romantic relationship.
 
Read more
 

The best places in the world to travel to in 2026, by "National Geographic" 
Image credit: Logga Wiggler, Pixabay

From a legendary Alpine range to a less-traveled but no less stunning alternative to the Mediterranean, here are the year’s must-visit destinations, handpicked by National Geographic’s editors, photographers, and adventurers.
 
Read more
 

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Francis Sabourin
Portfolio Manager
Investment Advisor
Tel.: 514.989.4844  •  Email
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Francis Sabourin
Wealth Management

1250 René-Lévesque Blvd. West
Suite 1500
Montréal, QC  H3B 4W8

www.FrancisSabourin.com


The opinions expressed in this report are the opinions of the author and readers should not assume they reflect the opinions or recommendations of Richardson Wealth Limited or its affiliates. Assumptions, opinions and estimates constitute the author’s judgment as of the date of this material and are subject to change without notice. We do not warrant the completeness or accuracy of this material, and it should not be relied upon as such. Before acting on any recommendation, you should consider whether it is suitable for your particular circumstances and, if necessary, seek professional advice. Past performance is not indicative of future results. Insurance services are offered through Richardson Wealth Insurance Services Limited in BC, AB, SK, MB, NWT, ON, QC, NB, NS, PEI and NL. Richardson Wealth is a trademark of James Richardson & Sons Limited, used under license.
Adresse : 1250, boul. René-Lévesque Ouest Bureau 1500 Montréal (Québec) H3B 4W8 Canada