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Market Watch
The markets saw a YTD low in mid June, and saw a soft recovery throughout July. The Bank of Canada raised the overnight lending rate by 1%, the largest single increase since 1998. Urgency has increased to help combat inflation. We are likely to continue to see high inflation numbers through the rest of the year, and more rate hikes are likely into the fall. The housing market has slowed considerably, and will likely continue to do so as a result of the increased interest rates.

Monitoring for peak inflation is the main focus for most right now, and many believe we are close if not already there.

We should have a clearer lens at the next Bank of Canada meeting in September.

Brad Wilson
Your can't stop the waves, but you can learn to surf.
- Jon Kabat-Zinn

With summer time, you may find yourself cleaning up old files and paperwork, please be cautious in how you dispose of documents with sensitive information. ie. account numbers/date of birth/social insurance numbers. You are always welcome to drop off these documents to us. We use a shredding service to destroy this type of paperwork.

Contact Jaimee for more information.
The Link Between
Personal Values and your Finances
Everyone has personal values - ideologies that they hold dear. We form our values in a variety of ways: through experience, our belief systems, our education, and by interacting with people.

These values in turn influence the myriad of decisions, big and small, we make every day. However, considering how much our personal values influence us, many people forget to match their financial plans with their values.

Yes, there are a few people that ask for socially responsible funds to reduce their carbon footprint or avoid a negative social impact, but it is rare to have a client come in and examine if their financial plan really takes into consideration the things that they hold dear.

Let’s look at a few examples of values that should be considered when creating a financial plan:

Family – If family is a key value to you: What does family mean to you? What goals do you have when it comes to family? Perhaps that means getting your child(ren) through school. Or, it means having the ability to spend quality time with those you love.

Adventure – If adventure is a key value to you: What do you mean by ‘adventure’? Maybe you have a hobby you wish to maintain. Or perhaps, you love to travel. Many adventures require money and therefore you will need a plan.

Stability – If stability is a key value to you: You are likely averse to anything uncertain or unforeseen. You thrive in the known. How can this be built into your plan? Or how can a backup plan be built for when the unexpected happens.

Values are as varied as people - Growth, friendship, creativity, kindness, spirituality, success, and health are more examples of elements that should be considered when developing your financial plan. You want to ensure that your plan fits you and assists you to accomplish your goals.

Tricia Giffith, President and CEO of The Progressive Corporation, said, “With the right people, culture, and values, you can accomplish great things.” So, don’t be afraid to sit down with your financial advisor and dig into what matters to you. Build a plan that ensures that your plan reflects and supports what you truly want in life.

To learn more on how to align your investments with your values contact us at KLT Wealth Management.

Courtney Beach, QAFP



Monthly Recipe:

Easy Fruit Sorbet Recipes

In a nutshell, you can make sorbet without an ice cream maker in 3 simple steps…

Cut up the fruit.
Freeze the fruit.
Blend the frozen fruit.

It’s really that simple. You can add in other flavors to boost the actual fruit, like lime or lemon juice as well as some raw honey if your fruit isn’t quite sweet enough on its own.

To make this even easier, purchase a bag of pre-frozen fruit.

Unfortunately, a lot of the store-bought fruit sorbets contain A LOT of added sugars. Instead, you can make your own healthy sorbet using much less sweetener and, if using any, you can add in raw honey to avoid refined sugars. If your fruit is super sweet to begin with, you don’t even need to add in any sweetener, which is awesome and makes for one healthy, guilt-free frozen dessert.

4 medium peaches, sliced (approx. 3 1/2 cups)
1 tbsp. raw honey
1 tsp. lemon juice
1/4 cup warm water, as needed

- Slice the ripe peaches and remove the pit.
- Lay out the fresh peach slices over a rimmed baking sheet lined with parchment paper.
- Freeze the peach slices until completely solid, which should take at least 3-4 hours, or overnight.
- Place the frozen peach slices into the bowl of a food processor or heavy duty blender, along with a little raw honey, and freshly squeezed lemon juice.
- Blend until smooth.
- You may need to add a little warm water and press down with a spatula to help the process along.
- Eat immediately for a softer texture, or transfer into a freezer-safe container and freeze for 3-4 hours or until firm.

Use any fruit - Watermelon, lemon, blueberry, mango, raspberry, strawberry, orange etc...

Enjoy and stay cool this summer.


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Our mailing address is:
148 Peel Street Unit 1B, New Hamburg, ON N3A 1E3

Quintessence Wealth (Q Wealth) is a partnership that is registered as a portfolio manager, exempt market dealer and investment fund manager. The portfolio manager registration allows Q Wealth to provide investment advice to its clients. The exempt market dealer registration allows Q Wealth to engage in trading activity. These services are provided by Q Wealth through registered advising representatives and dealing representatives, respectively.

Q Wealth is a partnership that is owned by its partners, including KLT Wealth Management. As a client of Q Wealth, you may receive services from both Q Wealth and KLT Wealth Management. Note that individuals from KLT Wealth Management will only provide investment advice and trading advice if they are registered as advising representatives and dealing representatives of Q Wealth, and in providing such services, they will be doing so on behalf of Q Wealth only. KLT Wealth Management may however provide wealth management services such as financial planning, estate and retirement planning, insurance, group benefits and others.

Q Wealth Partners is a registered trade name of Quintessence Wealth, a registered Portfolio Manager in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, and Saskatchewan, an Investment Fund Manager in Newfoundland and Labrador, Ontario, and Quebec, and an Exempt Market Dealer in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Quebec, and Saskatchewan. The Ontario Securities Commission (OSC) is the principal regulator for Quintessence Wealth. Please visit for more information.