End of the Year Advice

This is Jeff Wareham, ScotiaMcLeod Wealth Advisor, with some thoughts
for investors outgrowing their mutual funds.

Year end is quickly approaching, and now is a great time to be
assessing the impact of this year's dreadful markets on financial and
tax planning. In particular, it may be a great time to talk to your
financial and tax advisors about the opportunity to use capital losses
against capital gains you may have paid in the past few years. Proper
planning may not eliminate the pain of the Bear Market of 2008, but it
may allow you to recoup taxes you have paid in past.
If you have not considered this option, or would like a second
opinion, please give me a call.

For a review your portfolio, or a complimentary copy of my CD, visit,
www.beyondfunds.ca or call me, Jeff Wareham, at 519 660 3260.
This program is for information purposes only. Fees, management fees,
and commissions may be associated with mutual fund investing.
Investors should consult their prospectus before investing. Views
expressed are those of the author, not Scotia Capital. ScotiaMcLeod is
a division of Scotia Capital Inc, member CIPF