CDA Essentials 2018 • Volume 5 • Issue 4

TO AVOID NIGHTMARES” 4 GET PROFESSIONAL ADVICE There are so many factors to consider that impact your financial future. Relying on a professional financial planner with experience and qualifications can enable your financial success. A landmark study 1 has shown that individuals who work with a professional advisor may achieve significantly higher wealth in the long term—as much as 2.73 times more in household financial assets can be attributed to financial advice over a 15-year period. You have dedicated your career to oral health— we have dedicated ours to the financial health of dentists. Let us prepare a financial plan for you and your spouse based on your unique circumstances— a complimentary benefit of your dental association membership. 5 CHOOSE THE RIGHT INVESTMENTS With thousands of options available, rest assured that CDSPI’s family of 36 investment funds have been carefully selected and are available exclusively to the Canadian dental community. CDSPI funds have recorded superior returns when compared with their peers. In fact, 89% of CDSPI Funds have a Morningstar Rating of 4 or 5 stars, and 93% are in the top two quartiles for 10-year performance. 2 And they have lower fees—another member benefit for you. That’s why dentists have entrusted us with almost $1 billion 3 of their wealth. Let us help you make the right choices. CDSPI is a not-for-profit organization whose mission is to provide a broad and meaningful range of customized financial solutions to the dental community, covering every facet of their lives. These are just a few of the strategies you can use to help put your mind at rest as your head hits the pillow. We are always available to discuss additional tactics or answer any of your investment questions. Just send us an email (investment@cdspi.com) or give us a call 1.800.561.9401 . Or visit www.cdspi.com to learn more. 1. “The Gamma Factor and the Value of Financial Advice”, Claude Montmarquette”, Nathalie Viennot-Briot, 2016. 2. Based on analysis by Morningstar, Inc. of CDSPI funds with performance records of ten years or more, as of March 31, 2018. Past performance is not necessarily indicative of future results. For more details on the calculation of Morningstar ratings, please see www.morningstar.ca. 3. As of December 31, 2017. Information in this article is for informational purposes only and is not intended to provide financial, legal, accounting or tax advice. The good news is, it doesn’t have to. By following some core investment principles and relying on the advice of investment professionals, you can get the sound sleep you deserve. 39 Issue 4 | 2018 |