December 2018

Year-end celebrations are already upon us: a unique time to relax, have fun, and spend great times with our loved ones. Our entire team wishes you very Happy Holidays full of joy and cheer.

We’d also like to take a moment to thank you very sincerely for trusting us in 2018. It’s a great pleasure and honour to serve you and to help you make your dreams come true.

We hope that you and those dear to you have all of your deepest wishes granted in the new year. May 2019 bring you health, serenity and prosperity!

Until next time,

Francis, Josée and Hossein

Retirement income after the death of a spouse

Image credit: Retraite Québec

On top of mourning, the loss of a spouse can lead to many financial surprises. Find out more about the impact on payments from the Quebec Pension Plan (QPP), supplemental pension plan, locked-in retirement account (LIRA) and life income fund (LIF).

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Shopping online: tips to avoid problems

Image credit: OPC

Are you planning on taking advantage of online sales to stock up on your Christmas gifts? Is your inbox full of interesting offers from merchants? Before shopping online, make sure you have all of the necessary information to avoid unpleasant surprises. Discover some advice to protect yourself.

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Francis Sabourin
Director, Wealth Management
Portfolio Manager
Tel.: 514.989.4844  •  Email
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Francis Sabourin
Wealth Management

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



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 GMP 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 GMP Insurance Services Limited in BC, AB, SK, MB, NWT, ON, QC, and PEI. Additional administrative support and policy management are provided by PPI Partners. Richardson GMP Limited, Member Canadian Investor Protection Fund. Richardson is a trade-mark of James Richardson & Sons, Limited. GMP is a registered trade-mark of GMP Securities L.P. Both used under license by Richardson GMP Limited.