June 2008 Issue
•  CI insurance...it works
•  How we help you plan
•  What our clients say about us
•  Home ownership is key to wealth
•  Our exceptional mortgage rates
Ted Rechtshaffen
President & CEO
Phone: (416) 733-3292
Email: tedr@tridelta.ca
Web: www.tridelta.ca
Mortgage Highlights
5 Year Closed: 5.25%
5 Year Variable: 4.00%
Rates are subject to change and
credit approval.
Strong Investment Returns
1 Yr 3 Yr 5 Yr 7 Yr
Balanced: 4.1 10.5 12.0 9.1
Large Cap Eq: 3.3 12.9 14.4 10.8
Small Cap Eq: 1.0 12.3 14.9 9.7
To find out more about investing through TriDelta, please contact us.
Best Insurance Rates
At TriDelta we offer Life Insurance, Critical Illness Insurance and Disability Insurance from virtually every provider in Canada. We also have the expertise to answer all of your questions and to build a plan that is right for your needs.

As with all clients, we ensure that your insurance solutions are not a stand alone but are integrated into your overall financial plan.

To check out our rates, click here.
Add your friend to our newsletter mailing
If you know anyone who would be interested in receiving our newsletters, please forward us their email address - and we will add them to our list.
We are bombarded by multiple messages and statistics every day, most of which are largely meaningless on their own, but collectively provide the all important clues of what we can expect in the months and years to come.

At TriDelta we are structured in such a way that we have definite opinions on trends, know how to exploit opportunities and apply this in a way that benefits you directly by building your wealth.

Our monthly newsletters provide an array of interesting articles, opportunities, professional opinion, developments and occasionally some humor. We hope you enjoy them and thank you for your valuable feedback.

Kind regards,
Ted Rechtshaffen
Critical Illness Insurance
If the unthinkable happened, could you survive the financial devastation? A TriDelta client finds out first hand.
A few years ago I was referred to a client by an accounting firm that we have worked with for a long time. This client; let's call her Julie, was a successful entrepreneur. She was single, in her mid fifties, healthy and had no insurance.

At our second meeting I explained to Julie that although she was
doing well in her business, Julie had a large financial void looming. She could be in serious trouble if she was ever unable to work for an extended period of time as a result of a critical illness such as heart attack, cancer, or stroke. At first Julie thought that she had a good cash flow and would be fine. However, I asked Julie to imagine what would happen to her financial picture if her income stopped for one year. Moreover, what would happen if she needed expensive medications, homecare or medical treatments outside of Ontario? I explained to her that based on her financial situation, there was a real need to establish Critical Illness (CI) insurance to protect her against these risks. Julie had never heard of Critical Illness insurance before I explained it.
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Ten Client Needs
How TriDelta Financial Partners helps clients
Through our partnerships with some of the best investment counselors in Canada, we ensure that our clients are able to have personalized portfolios built and managed to meet their needs. While we work with a wide range of clients, most of our clients have at least $250,000 in investments being managed by our investment partners.
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What our clients are saying about us
What I like about TriDelta is the holistic approach to wealth management, tax planning, and retirement planning. I think that this is a winning formula for a person like me.
Harold, Toronto
You are amazing! You must be one-of-a-kind! Thanks for all you are doing for me. I will not think about it any more and I will leave it in your capable hands!
Joyce, Oakville
Home ownership is growing worldwide for good reason
Stats Canada released its latest data on home ownership in Canada, which confirmed that never before have so many Canadians owned homes. The low interest rate and unemployment environment combined with recent developments that allow people to buy houses with lower down
payments and the ability to mortgage over longer periods resulted in 68.4% home ownership in 2006 up from 65.8 per cent in 2001.

Home ownership is a common goal in many countries. Interestingly Canadian ownership is much the same as the United States, which is 68.9%, England 67%, Australia 70% and Russia 71%. Japan is quite a bit lower at 60% and Germany only 42%, one of the lowest amongst industrialized countries. Spain Greece, Italy and China, yes China surprisingly tops this list of countries all recording ownership rates in excess of 80%. Extended family occupation and the ability to buy state owned housing in the case of China and Russia have skewed the trends higher for these countries.
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