leave a legacy guide may 2012

Vol.1 No.1 May 2012 Philanthropy Issue - FREE

What is Leave a Legacy ....................4The Benefits of Naming a Charity inYour Will..............................................5Top Ten Things You Can Do ..............5A Need That Had to be Met ..............6Gifts of Securities ............................8Legacy of Hope ..................................10Canadian Legacy Builder ..................12The Charity Child ..............................13

Gifts of Property ..............................14Tax Friendly Legislation ....................15Why Your Will is Important ..............15Tax Benefits of RRSPs or RRIFs ......16Charitable Remainder Trusts ..........17Gift of Life Insurance ........................18No Need to be A Millionaire..............19Importance of Relationships ............20Membership Directory ......................22

TABLE OF CONTENTS

LEAVE A LEGACY™ WATERLOO-WELLINGTON

your guide tointelligent philanthropy

LEAVE A LEGACY TM

*Mutual funds offered by Sun Life Financial Investment Services (Canada) Inc.The advisors at Century Group Financial Solutions Inc. are contracted with Sun Life Financial Distributers (Canada) Inc. a member of the Sun Life Financial group of companies. © Sun Life Assurance Company of Canada, 2012.

Danijela Covic Mary NormanOffice Manager

Holly CaetanoManager - Business

Development

Kari HiltonLicensed Assistant

Arlene Paul*Wealth Administrator

John Beynon*CFP® CLU CH.F.C.

Matt Wilhelm*FLMI CFP® FMA

Christopher Annett* CHS

Peter Stern*BA FLMI CFP®

Robert Wilson* CHS

Chris Moore*BAS CFP®

Century Group Financial Solutions Inc.508 Riverbend Drive, Suite 102, Kitchener ON N2K 3S2Bus 519-747-0058 Toll free 1-866-950-LIFE (5433)centurygroupfinancialsolutions.com [email protected]

Angela ShulistOffice Assistant

Meaghan PitcherClient Care

Representative

Cathy Christoff*Wealth Administrator

Bea McBrideReception, Client

Service

Linda SerbuAdministrative/

Marketing Assistant

Michelle Karn Office Assistant

TODAY IS A GOOD DAYTO LEAVE A LASTING IMPRESSION

Charitable giving lets you give back. Know your options.

Heather Kersell*CFP® CLU CHS

Courtney Proudfoot*BA

Natalie Lacroix*

I N T E L L I G E N T G U I D E T O P H I L A N T H R O P Y • M A Y 2 0 1 2 | 3

This publication is a collaborative effort of the GoldenTriangle chapter of Advocis (The Financial AdvisorsAssociation of Canada) and Waterloo-Wellington LEAVE

A LEGACY™, a program of the Canadian Association of GiftPlanners (CAGP-ACPDP™), to provide valuable information tothe readers on planned gifting and charitable giving.Canadians are living in a time when an unprecedented

amount of wealth is being transferred from one generation tothe next. In the next two decades 3.5 million Canadians areexpected to die, leaving an estimated $1.5 trillion to theirfamilies and community. The disturbing part is that only 30% of

Canadians currently have an up-to-datelegal Will. If this trend continues,about two million Canadians willend life without a Will to protecttheir assets in the next twodecades. Without a Will, peoplelose the ability to controldistribution of their estate totheir chosen beneficiaries.

By leaving a gift to acharity or not-for-profitorganization in your Will orestate plan, you ensureyour assets continue tohelp others into thefuture. Without a Will,your property andfinances are settledaccording to federaland provincial laws,whichmay not coincidewith your wishes.There are many ways

to achieve your charitablegoals without taking awayfrom your family and lovedones. There are numerousoptions and types of plannedgifts. Different giving optionsallow you to give and stillprovide for family memberswhile receiving tax benefits atthe same time.

Advocis is the Financial Advisors Association of Canada andthe largest association of its kind in Canada with more than11,000 members. Advocis members have various specialtiesincluding comprehensive financial and retirement planning,finance and wealth management, business succession, estateand tax planning, risk management and employee benefitsplanning. Our members are focused on understanding thefinancial goals that are important to you and your family.With the trend of governments cutting funding, various

charities are in a position to need your support more than ever.This leaves you with some tough decisions. Make sure thatyour advisor or planner has the knowledge and experience tosupport you in making these decisions. Ask whether they aremembers of Advocis. Our association protects and promotesadvisors in the public interest and we are committed toprofessionalism amongst our members.LEAVE A LEGACY™ is a national public awareness program

that encourages Canadians from all walks of life to make giftsthrough a Will, life insurance or other gift planning instrumentto the charitable organizations of their choice. By doing so,citizens will ultimately help the not-for-profit and charitableorganizations sector continue to give back to their community.The Waterloo-Wellington LEAVE A LEGACY™ program works

hand in hand with professional advisors in Will and estateplanning as well as charities to encourage well planned andmanaged giving. Across Canada there are 22 local LEAVE ALEGACY™ committees that oversee the work of educating thepublic. This grassroots collaborative effort includes localcharitable organizations, professional estate and financialplanning organizations, financial institutions, communityfoundations, other funders and the media which haveembraced the underlying principles of philanthropy.The LEAVE A LEGACY™ program’s goal is to raise awareness

of the importance of thoughtful, well planned, tax preferredgifts and their impact on the quality of life for everyone in ourcommunities. A legacy gift can benefit all not-for-profit groupslarge or small.For more information and resources, please visit:

www.leavealegacy.ca and www.advocis.ca.

Darren Sweeney, CFP, CHSCertified Financial Planner® Professional2012 Advocis Golden Triangle Chapter President2012 LEAVE A LEGACY™ Waterloo-Wellington Chair

WeCanMake aDifferenceBettering Community with your Involvement

4 | w w w . e x c h a n g e m a g a z i n e . c o m

L E G A C Y I N A C T I O N

LEAVE A LEGACY™ is a national publicawareness program designed toeducate and encourage people to

leave a gift through their Will or any othergift planning instruments to a charity ornonprofit organization of their choice.LEAVE A LEGACY™ does not solicitgifts for any particular organization.LEAVE A LEGACY™ is a donor-oriented education campaign toraise awareness of the importanceof including a charitable gift inthe estate planning process.The Waterloo - Wellington

LEAVE A LEGACY™ Program is a region-wide program (Kitchener-Waterloo, Cambridgeand Guelph areas) that aims to build local awareness ofthe benefits of making planned gifts that better those in ourlocal community. The local program also aids in buildingpartnerships between donors, charities and not-for-profitorganizations and gift planning professionals such as estateplanners, financial advisors, insurance professionals,accountants and lawyers.A program of the Canadian Association of Gift Planners

(CAGP-ACPDP™), LEAVE A LEGACY™ is a collaborative effortof donors, charities, not-for-profits and professional advisors.The LEAVE A LEGACY™ program’s goal is to raise awarenessof the importance of thoughtful, well-planned, tax-preferredgifts and their impact on the quality of life for everyone in ourcommunities

WHY LEAVE A LEGACY?• To enrich people’s lives:Every day, people are helped and lives are enriched by the

work of registered charities and foundations, and other not-for-profit organizations in our communities. Meals for isolatedseniors, summer jobs for disadvantaged high school students,funding for mental health or cancer research or a liveperformance by a local arts organization are just some of theways not-for-profit organizations improve our lives.Canadians give for many different reasons: for some it is a

way to ensure their memory lives on, for many it’s a way to

ensure that their favourite charity is able to continue itsimportant work, while for others it represents a

way to facilitate the tax implications thatcome with the transfer of one’s

estate to surviving relatives.

• To provide support:Financial assistance is essential

to support and sustain charitablework. Many people generously sharetheir money, time and energy withlocal not-for-profit organizations. Andmany people are unaware that byleaving a gift in their Will or estate planto the charitable groups of their choice,they can continue to help people in need orpromote a favourite cause.We wish more funding were available for

medical research, for homeless shelters, or atreasured arts or music program. Charitable

organizations need financial assistance from people like you tocontinue their work. By making bequests and other “plannedgifts”, you can continue to help organizations that are makingan important difference in your community. What better wayto thank the people or organizations that have had an impacton your life, than to make a contribution from your estatethrough a bequest in your Will?

• To leave a memoryChoosing to leave a gift from the heart brings meaning,

dignity and purpose to a life well lived. Your gift is youropportunity to participate in the charitable and communitywork most meaningful to you, in a way that allows theseimportant causes to be well supported now and long after youhave gone. Personal philanthropy through a Will can be anadditional way to ensure that your memory lives on.Surprisingly, a gift can also be a very practical addition to a

financial or estate plan when tax issues are taken intoconsideration – even for those who think they may not havetax issues. In most cases, the tax burden left to relatives islifted significantly.Your professional advisor can teach you how leaving a

planned gift can actually benefit your family after you’re gone.

What isLeave aLegacy?Building awareness and partnerships


Together we can make a difference – the difference thesedays, is that you can impact the causes you care about byincluding them in your Will or estate plan.

• To contribute to the futurePersonal philanthropy can help contribute to the

sustainability of a not-for-profit organization or charity of yourchoice. In life, many of us require some kind of assistance,whether it’s physical, financial or spiritual. Perhaps a localorganization or charity has a special place in your heart.Maybe you were given a scholarship that made the dream ofcollege possible. You or a loved one may have been shownespecially compassionate care in the hospital during an illnessor injury. It is during life’s many trials when we are remindedthat more could be done to continue personal philanthropywhich support humane acts of kindness and help upholdprograms for personal enrichment. By leaving a gift that livesout your legacy, you are making a significant contribution tothe future sustainability of those charitable organizations thatyou value most.

1. Prepare a Will. By preparing a Will, you ensurethat your wishes for sharing your legacy with othersare guaranteed. Be sure to share this informationwith your loved ones, so they too can be part ofyour lasting gift.

2. Leave a gift in your Will to the charities that havetouched your life.

3. Leave a specific amount or a percentage of yourestate. By being specific, you ensure your wishesfor your gift will be met.

4. Consider gifting some of your assets, such asstocks, bonds, cash, real estate or art to yourcharities.

5. Name a charity as the beneficiary of your RRSP,RRIF or pension if possible.

6. Consider leaving a charity as the beneficiary of anexisting or paid up life insurance policy.

7. Invest in a new life insurance policy naming yourfavourite charity as the beneficiary.

8. Remember loved ones with memorial gifts.9. Encourage family and friends to leave legacy gifts in

their Wills.10.Ask your financial or estate planning advisor to help

you leave a lasting gift and to include charitablegiving as part of their counsel when working withclients.

TOP 10 THINGS YOUCAN DO TODAY TOLEAVE A LEGACY

TheBenefitsofNaming aCharity inYourWillP

utting a charity in your Will is the simplest way that youcan leave a charitable legacy. With a charitablebeneficiary, you will be remembered after your death for

the values that you held dear during your lifetime. You will feelgood now knowing that you will be making a significant andlasting difference to causes that you care about.Your charitable gift(s) can be in the form of a fixed amount

or it can be a percentage of what is left after tax andother costs have been paid. If yourbeneficiary is a registered charity,your estate will receivea charitable giftreceipt in theamount of yourgift which willoffset taxes owingon your estate. Thecharitable tax receiptcan be applied up to100% in the year ofdeath and in addition,carried back one year.You may feel concern

that heirs will receive less ifcharity is named in a Will.Your family and others whodepend on you should alwayscome first. However, becausetax is almost always owing in an estate, through income and/orcapital gain, a charitable receipt can offset tax owing and quitesimply re-direct some or all of the money in the estate thatwould go to tax. Your advisor(s) can help you to decide if this isbest for you.It is recommended when drawing up your Will, that you

consult a legal advisor who can ensure your final wishes aremet. As well, it is recommended that you consult with familymembers so they are involved in your legacy decisions. �

�

Deirdre and Graydon Large



Pictured from left to right Mike Bystriansky, Warehouse Manager; Darlene Ruiter, BoardPresident; Debrorah Cripps, Community Outreach Director; Pauline Cripps, Volunteer;Kevin Cahill, Volunteer/Sponsor, front, Marilyn Worobec, Executive Director

“If we didn’t have interested businesses

to support us, we couldn’t do it.”


Kevin Cahill, founder of Canadian Legacy Builder, is notonly a corporate donor to the Guelph Food Bank but alsohas been a volunteer for the past seven years. Why?

Because he knows the Guelph Food Bank is vitally importantto the lives of thousands of people.He is passionate about the Food Bank as his wife, Debbie,

was the beneficiary of the Christmas hampers through thefood bank in North Bay where she grew up. Debbie and hersister were the children of a single mom who needed thecompassionate, practical help of a food bank, and Kevin andDebbie constantly remember and remind their children tonever forget the difference that it made.Marilyn Worobec and her friends recognized a need for that

kind of compassionate, practical help in Guelph, and in 1987,they founded the Guelph Food Bank. Marilyn continues asExecutive Director of the food bank, today. The facility is aministry of the Spiritwind Christian Centre.It’s a remarkable story. The Guelph Food Bank has only two

and a half full-time staff members, but the organization logs100,000 volunteer hours each year, and provides much-needed food to 22,400 people. And that doesn’t includeassistance provided through other agencies. In all, the foodbank distributed over 1 million pounds of food last year.Marilyn and her colleagues, including community outreach

director Deb Cripps, are both humble and dedicated to theirwork. They are full of praise for their volunteers and theirfinancial supporters, including their original landlord, Guelphbusinessman John Barber, who initially rented them the foodbank facilities, in 1989, and nine years later, donated thefacilities themselves to the Guelph Food Bank. The buildingscover 94,000 square feet. However, the property also carrieda $1.5 million mortgage. The Food Bank occupies 16,000square feet; the rest of the property is rented out.The Guelph Food Bank has come a long way since it began

operations in Marilyn’s garage, but as she says, the need isgreat, and therefore the facility needed to be big enough tomeet the need. The need was the reason for being. In 1987,“there was nothing here in the city.” Marilyn began to contactother churches and businesses. The response was immediate:“They have been very supportive, all of them.” She notes, bythe way, that while the Food Bank is an outreach of her church– “we do not proselytize” – the help is given with no stringsattached. The Kinsmen Club donated money to cover the FoodBank’s first year’s rent. Deb notes that grocery stores

welcomed donation barrels.The Guelph Food Bank has been so successful at garnering

crucial community support that they now help 33 agenciesand small food banks throughout the geographic area.The need was clear in 1987; it is much clearer, today.

Marilyn says that “the demand has continued to go up.” Debadds that requests for assistance increased by eight per cent,last year alone. “We’ve been able to meet the need,” saysMarilyn, “through the strong support system that’s beendeveloping over the past 25 years.” The food bank functionswith no government funding, and no United Way funding.The support comes from hundreds of people like Kevin. “It

gives hope to people who have experienced a tough period inlife. It gives them the opportunity to more forward andrecover.” The Food Bank, he says, “fills an enormous need.” Hesays that he and his wife know that they are very fortunate tobe where they are in their lives. It is their passion to give backto the community that has been so great to them.Marilyn saysthis kind of support is critical for the Food Bank. “If we didn’thave interested businesses and people like Kevin being thereto support us, we couldn’t do it.”The Guelph Food Bank is committed to providing assistance

across the spectrum of community needs; they have launchedother programs, including a day care centre that hosts 85children, and employs a staff of 26.The success of the Guelph Food Bank has made the

organization a model for other communities. Food bankorganizers have come to learn from the Guelph Food Bankfrom Costa Rica, Brazil, Trinidad, El Salvador, Alabama,Louisiana and other international locales, and have returnedhome to found successful food banks in their communities.They have understood the essential motivation of the GuelphFood Bank: “We saw a need, and the need had to be met.”

ANeed that /Had tobeMet0Demand for Guelph Food Bank services is increasing by eight per cent annually

LEGACY PROFILE BROUGHT TO YOU BY:

BY PAUL KNOWLES

�

www.canadianlegacybuilder.com



Gifts of securities receive favorable tax treatment. In its2006 budget, the Canadian federal governmenteliminated capital gains tax on listed stocks when

transferred directly to registered charities. These can be in theform of publicly traded stocks in Canada andmajor internationalexchanges, mutual funds, bonds or futures. You will receive acharitable receipt for the market value of the securities, just asthough you had donated cash. When combined with thecharitable receipt for the value of the securities, this provides agreat deal of tax benefit to you, the donor, while giving support

to the work of acharity that you value.If instead of cash,

you transfer your sharesnow worth $20,000directly to the charity, youwill not have to pay tax onyour gain. You will alsoreceive a $20,000 charitablereceipt to apply against yourtaxes.

Fair market value of shares $100,000 $100,000

Cost of shares $20,000 $20,000

Capital gains realized $80,000 $80,000

Taxable capital gain $40,000 (50%) $0

Taxes payable (assume 46%) $18,400 $0

Tax credit* (assume Ontario resident) $46,000 $46,000

Net tax reduction $27,600 $46,000

Selling Shares on the DonatingMarket & Donating Cash Shares

This example is only for illustration purposes. The tax impact will depend on individual donors’ circumstances.*Donation tax credits may be carried forward for the next five years.

Gifts of Securities

Editorial Committee and Contributors:

• Darren Sweeney, Certified Financial Planner, Professional [email protected]

• Gillian Flanagan, KidsAbility Foundation, Development Officer [email protected]

• Lisa Talbot, KidsAbility Foundation, Executive Director [email protected]

• Dipali Batabyal, University of Waterloo, Development Officer [email protected]

• Sharon McKay-Todd, University of Waterloo, Associate Director, Planned Giving [email protected]

• Susan St. John, MS Society, Executive Director [email protected]

• Jesse MacDonald, Desjardins, Financial Security Life & Health Insurance Advisor [email protected]

• Jon Rohr, Exchange Magazine for Business, Publisher [email protected]

• Paul Knowles, Exchange Magazine for Business, Editor [email protected]

Some editorial material supplied by Niagara/Golden Horseshoe LEAVE A LEAGACY™ Program.PUBLISHED BY EXCHANGE BUSINESS COMMUNICATIONS INC.

�

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Ad sponsors:• The Memmott family in memoryof Roy McNichol

• The Moore and MacDonaldfamilies in memory of Jim Nickling

• Cathy Purdom, Mayfair Financial

• Peter Willwerth, Desjardins Financial,Security Independent Network

• John and Jan Uren

• Nancy Ackert, Mortgage Alliance



“We were impressed by

the support they give to

the families”

Bill and Heather Spall pictured above, pictured rightthe Arsenault family Mom Sandra with Carly on herlap, Carly’s sister Lauren and Hazel and Dad Jamie


Bill Spall has been a volunteer member of communityservice groups for his entire adult life. Heather Spall hada career as a school teacher. When this couple reached

their retirement years, they were aware of the needs in theircommunity, and eager to do what they could to make adifference. The Spalls wanted to be sure that any contributionthey made to a community organization really made adifference. And so, they chose KidsAbility.KidsAbility’s mission is to empower children and youth with

special needs to realize their full potential. The Spalls agreethat KidsAbility is accomplishing its goals. Heather hasvolunteered at KidsAbility for seven years, supporting teachershere. As a result of their commitment, the Spalls have chosento leave a legacy through their Will to ensure the future needsof the children and families served by KidsAbility are met.The Spalls were drawn to KidsAbility because “we were

impressed by the staff, by the support they give to the families,”says Heather. Bill adds, “and by the families themselves.”The Spalls are creating an endowment fund through a

charitable bequest in their Will because “we wanted to leavesomething to the community, to be as effective as possible.”When the gift is received from their estate, it will be managedby KidsAbility Foundation, with investment income annuallysupporting the important work of the agency.The Spall family is supportive of this fund. Bill says, “Our

kids are aware of what we are doing, and they’re on board.”“This kind of support is so critical,” says Lisa Talbot, Executive

Director of the KidsAbility Foundation. “With the support of ourlegacy donors, the future is bright for the children and youthwho receive life-changing services at KidsAbility.”KidsAbility relies on annual donations from individuals,

Rotary Clubs and other service groups, corporations,foundations, and other organizations. Nearly 10% of the $13million annual budget comes from those sources, and theneed is greater than the resources, according to Lisa.“Our donors are very instrumental in helping us provide the

best care we can,” she says.KidsAbility families truly believe they are experiencing “best

care”. For example, Sandra Blatt-Arsenault talks about herdaughter, Carly, a little girl with Down syndrome: “KidsAbility reallyhas been essential for Carly’s development. They are fantasticallydedicated people. They’re like family. They have helped teach usall the ways to assist Carly to become all she can be.”

And Deirdre Large speaks about her son, Graydon, who hasCongenital Muscular Dystrophy. Graydon first visitedKidsAbility when he was 11 months; he is now 11 years old.“His physical progress has been amazing,” says Deirdre. “He’salso speaking well.”Lisa says that so much good is being accomplished through

KidsAbility, but she admits that the need is greater still. “Theneed continues to grow as our communities grow.”KidsAbility has evolved over the past 55 years to meet the

changing needs of children and youth in Waterloo Region andWellington County. Today, KidsAbility supports children andyouth with developmental disabilities and delays related topremature birth, medical syndromes such as coordinationdisorders and autism; physical disabilities such as spina bifidaand cerebral palsy; and in Waterloo Region, communicationdifficulties in language, articulation, fluency and voice.KidsAbility’s impact doesn’t stop with the child. This is truly

a family-focused organization. Deirdre Large says her husband,Peter, and sons Graydon, Garrett and Griffin have all “beenguided by the people at KidsAbility the whole time.”Carly Arsenault’s family feels the same connection to

KidsAbility. The Cambridge family includes mom Sandra, fatherJamie Arsenault, Carly and sisters Lauren and Hazel. Sandrasays, “Carly utilizes KidsAbility on a weekly basis for speech,physiotherapy and occupational therapy.” KidsAbility teammembers have also worked with all family members so theyunderstand the best way to support Carly.The word support is really the key. The dedicated team at

KidsAbility supports children and their families; but they can onlydo so with the commitment and support of people like Bill andHeather Spall, who are finding creative and proactive ways tohelp KidsAbility make a lasting impact for future generations.

/ALegacyofHope0Building a brighter future for children with special needs

BY PAUL KNOWLES

JOHN GRIGGSPartner

Corporate and Commercial [email protected]

519.593.3231

EILEEN QUINNAssociateWills, Trusts and [email protected]

LEGACY PROFILE BROUGHT TO YOU BY:

�



ThereMust be aBetterWay

Kevin Cahill is passionate about his family, hiscommunity, and his vision, which is why he foundedCanadian Legacy Builder with the purpose of securing

lifestyles and family legacies for people who care.Kevin genuinely cares about helping people help others. And

his own efforts are in synch with his business objectives – hevolunteers at the Guelph Food Band, is Chair of the YoungProfessionals Network, and has been Area Director of GuelphBusiness Networking International, president of the RotaryClub of Guelph South, treasurer for the Canadian TherapeuticRiding Association, vice chair of the Guelph Chamber ofCommerce and treasurer for the AIDS Committee of Guelphand Wellington.Why? Because Kevin is a man who looks for solutions. Kevin

became involved in legacy planning because of a number ofpersonal learning experience. He began his career as afinancial planner, but legacy planning became the focus in2006 when, as treasurer of CANTRA, the organization receiveda bequest of $40,000. Due to the public process, as treasurerKevin was able to see the will and full statement of financialaccounts, and saw that while the organization was fortunate toreceive the donation, it could have been almost $80,000, ashalf the estate was lost to taxes and fees.Kevin realized there must be a better way, and he set out to

find it. “I wanted individuals to be able to make a biggerdifference to the people they love or the causes they careabout and not have their hard earned wealth lost or stolen tothe government or the legal system.”Canadian Legacy Builder was born in 2009 as a result of

another difficult but invaluable learning opportunity as Kevin’sfather lost his battle with cancer. When Kevin’s grandmotherpassed away in 1996 Kevin’s dad witnessed a very large estatelost, due to a variety of reasons. “Dad created a plan thatwould ensure that 100% of his assets pass quickly and tax freeto the people he loved and the causes he cared about, as hedid not want the same fate to happen to his family.”Kevin was the executor of his father’s estate and when his

dad passed away, the estate passed to the family quickly, anda substantial amount also went to his favorite charities – whilethe government received next to nothing.After this experience Kevin declared, “If Dad can make the

advance plans to make a massive difference, why can’teveryone!”

So Kevin created his own professional category to fill a verylarge need. “Financial advisors and financial planners,especially within a banking institution, are great at helpingpeople accumulate assets and either helping them grow theirassets, or lose them – which has become the norm in the pastfew years. But no one is answering the question ‘Whathappens next?’ after major life events. A legacy planner issomeone who specializes in securing our advocates’ lifestylewhile they are alive and creating a lasting legacy for the peopleand/or causes they care about after they leave this world.”Kevin wishes family harmony and perpetual family values as

goals for his clients which echo his commitments to his familyand his community. Everyone who has ever been loved bysomeone leaves a legacy of some kind. Kevin recalls beingwith a friend who lost both his parents in the same year andKevin witnessed his friend write a cheque for$196,000 to Revenue Canada; the memory ofhis parents became, ‘How can two educatedpeople let this happen?’“There is that old saying: no one plans to

fail, they just fail to plan. Most peoplethink that a Will is an estate and legacyplan, but it really is just one piece of thegreater puzzle.”Kevin says, “Our desire is to help

families start the conversation aboutwhat happens next, and work withthem through The Ancestor Builder™so that they can become greatancestors. And the best part is theonly cost is time.”Kevin says that the amount of the

estate is not important but planning toutilize that estate for the benefit offamily and the community is. “All thatis important is to have strong familyvalues with a desire to make adifference and leave the world betterthan how they found it.”For more information about becoming

a “great ancestor,” contact Kevin atwww.canadianlegacybuilder.ca. �

Kevin Cahill


When thinking about preparing a Will mostindividuals divide their estate among theirimmediate family. They want to be sure that

they can provide for the needs of their loved ones. Butwhat people may not consider are the possible taxconsequences to this decision.Ask yourself, “If you had a choice to give a portion

of your estate to the government in tax or leave a giftto a charity‚ which one would you prefer?” Theanswer is probably obvious, but it might still bedifficult to know how to make the gift a reality. Onecreative way to give to charity is to include aCharity Child in your Will planning.Some worry that the tax burden placed on their

estate will prevent their children from inheritingall that they should. Some feel it’s not theirproblem – “the children will work it out.”Including a Charity Child could be of realbenefit to those who are interested inproviding for their loved ones, leaving a legacyto their community and limiting their estateto the exposure of estate taxes. Here’s anexample:Through careful estate planning a family

with three children divides their estate into quarters, leavingthe last quarter to go to not-for-profits or charities that have

touched their lives. Upon the passing of both parents, the Willoutlines that each child will receive one quarter of

their parent’s estate. The fourthquarter is dedicatedto the CharityChild and directedto the causes thatare dearest to theirhearts.By placing a

charitable bequest inone’s Will, the estatewill benefit andreceive a charitable taxreceipt for the gift. Thiswill help to offset anytaxes payable to thegovernment. The childrenwill still receive theportion of the estategenerously left for them aswell. What is also veryimportant is the childrencan celebrate their parent’slegacy of making a differencein the community throughtheir philanthropic dreams.

The Charity ChildYour community as part of your family

�

Child 2

Child 1

Child 3

Charity Child

CHARITY CHILD CONCEPT



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Gifts ofProperty

You can choose to make a gift ofproperty outright; or you mayirrevocably assign ownership and

receive the tax benefits now whileenjoying the use of the property for yourlifetime. You will have the satisfaction ofknowing that the sale of the propertynow or eventually, will provide funds tosupport the work of your charity.Houses, cottages, commercial buildingsand land, jewelry, antiques, art andvehicles are examples of personalproperty that can be used to make asignificant contribution. Because allproperty has a cash value, the donor isentitled to a tax receipt for the fullmarket value of the property. �

HowtoLEAVEALEGACY• Leave a Gift in your Will• Gifts of Life Insurance• Gifts of RRSPs or RRIFs• Gifts of CharitableRemainder Trusts

• Gifts of Securities• Gifts of Property

There are many ways to leave agift to a not-for-profit or charitythat has touched your life.


“I no longer had any hope…youhave put the hope backinto my life.”

These words, as reflected bythis 14 year old girl, capture theessence of our work atLutherwood – putting hope backinto lives. Emily came to us as avery isolated youth who continuallylashed out in anger. Her family hadall but given up on her. She had nofriends. She wouldn’t get out of bed inthe morning for school. She struggledso significantly with depression andanxiety that she didn’t want to live.Once at Lutherwood, the changes came

slowly. But over time, with the unwaveringsupport of the staff team at Lutherwood,healing work began in Emily’s heart andmind. This past June, she was one of 10 youthwho graduated from grade 8 at Lutherwood, and is now

integrating back into her community school.Emily is not alone. One out of five children

struggle with some sort of mental healthissue.

At Lutherwood’s Children’s MentalHealth Centre in Waterloo we work tobring hope back into the lives of childrenand their families who have beendeeply burdened with mental healthissues. Ranked #1 in all of Ontario (byChildren’s Mental Health Ontario),the Children’s Mental HealthCentre is often the “last resort” intreatment options for these youthwho struggle to find their way.

But we can’t do it alone. We needfriends in the community who will partner with us

and will be a lasting champion of Children’s Mental Health.For more information on how you can leave a legacy pleasecontact Kim Lester, Manager, Donor Relations,[email protected] or 519-884-1470.

BeaLastingChampionofChildren1sMentalHealth

TAX FRIENDLYLEGISLATIONThe LEAVE A LEGACY™ goal of advancing philanthropy is

supported by federal government legislation. By implementinglegislation that allows Canadians to claim donations and otherbenefits in their taxes, the federal government encouragesan increase of gifts to charities from individuals andcorporations. Statistics Canada reports that, in 2010, 23% ofCanadians filling tax returns claimed a charitable donation.These claims totaled $8.3 billion.Significant tax incentives make gift planning even more

attractive, particularly for those gifts left in a Will. By makingit easier to leave a gift, the federal government through itsbeneficiary legislation helps to promote the LEAVE ALEGACY™ program message, and allows Canada to continueits rich history of giving.

WHY IS YOUR WILLIMPORTANTYour Will or testament guarantees that your property and

assets will be regulated according to your desires. Without aWill, there is no mechanism in place to make a bequest. Hereare some steps you should take to ensure that your wishesare granted:1. Make a detailed list of your assets (financial, real estate,vehicles, jewellery, collectibles, musical instruments, etc.).2. Make a list of organizations or causes you would like tosupport.3. Set up an appointment with your professional advisor (i.e.financial analyst, attorney, or planned giving officer) to discussyour options. Your professional advisor can help you decidewhich option(s) will work best for you and your family.

�

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Naming the charity of your choice thepartial or full beneficiary of your RRSPor RRIF is one of the most tax effective

ways to leave a legacy. This is because RRSPsand RRIFs are among the most highly taxedassets in your estate, hence the charitable taxreceipt offsets any taxes owingagainst your estate.At death, RRSPs and RRIFs

are treated as if they have beencashed all at once and are addedto income in the year of death. Forexample, this could mean that anincome of $35,000 in the year of death could

become an incomeof $135,000, if there

is $100,000 in RRSP orRRIF income added. The

income would be taxed atthe highest tax level, inmany cases, directingapproximately half theRRSP or RRIF totaxation. A charitablereceipt can be applied

up to 100% in the year ofdeath and in addition, can be

carried back one year. �

TheExemplaryTaxBenefits ofRRSPs&RRIFs

BLAZE A TRAIL IN LAURIER’S SECOND CENTURYLegacy donors give future generations a boost. University students are fuelled with hope for a bright future. Lead the way with a legacy of generosity through a charitable bequest in your will. Your encouragement will help carve a path of success for decades to come. To learn how easy it is, contact Cec Joyal, Development O� cer, Individual & Legacy Giving at [email protected] or call 519-884-0710 x3864.

WILFRID LAURIER UNIVERSITY Waterloo | Brantford | Kitchener | Toronto

wlu.ca/giving


A well-structured charitable legacydepends on expert planning.

.

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Scotia Private Client Group® is the leading provider of philanthropic donorsolutions in Canada. Whether it is a Private Foundation, personal fund orhelping structure gifts, we have the means and knowledge to help you make alasting impact for generations to come.

To learn more contact:Elizabeth Heald, Director & HeadScotia Private Client GroupKitchener-Waterloo, Cambridge, Guelph, and areaTelephone: 519-743-4233Toll free: [email protected]

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CharitableRemainderTrusts

ACharitable Remainder Trust provides you with incomefor life; then, after your lifetime, the assets pass to thecharity for charitable work. You receive immediate tax

relief in that a charitable receipt for the remainder of the fullmarket value is provided at the time that the trust isestablished. A trust can also be set up to provide income fora surviving spouse or other family member. In that case, theassets would pass to the charity only after both spouses havedied. A charitable remainder trust can be funded with cash,securities or real estate. Charitable remainder trusts areirrevocable gifts. The donor is most times entitled to acharitable receipt at the time that the trust is created, givingtax relief during the donor’s lifetime. The receipt amount is

based on the present value of the remainder interestdetermined by the remainder of the fair market value of theassets. The charitable tax receipt is often within a range of 20-60% of the value of the assets. �

Benefits include:• a steady income and immediate tax benefits• expert financial management• allows you to make a significant gift• avoids probate



One potential application of life insurance is through fullpaid up policies. If you have a fully paid up life insurancepolicy that has value but is no longer needed, you can

realize a charitable receipt in the fair market value of the policythat can be applied for current tax relief.Life insurance can be powerful ally in increasing the amount

of the value of an estate. Through a series of smaller paymentsduring your lifetime, you can make a large charitable gift at theend of life. This is accomplished through the magic ofleveraging.For new policies or those that are assigned before fully paid,

tax benefits are available as follows:a) If you name the charity as beneficiary and irrevocable

owner of the policy, you will receive an annual tax receipt for

the full value of your payments that can be applied against yourpresent taxes. The charity receives the money for its charitablepurposes on your death and there is no charitable receipt toyour estate.b) If you name the charity as beneficiary and continue to

own the policy, your estate will benefit from the charitablereceipt on the value received at death.A benefit to naming a charity directly on your policy is that

there is no need for the gift to pass through probate. It passesoutside your estate, thereby saving money in your estate andthe gift is not subject to contest.Life insurance can also be utilized as wealth replacement.

For instance, you can replace the full value of a gift to charityin your estate by taking out a life insurance policy that will pay

TheAmazingBenefits ofLeaving aGift ofLife Insurance

“For me, as both a graduate and a sta� member, Waterloo has become a very important part of my life. I’m thrilled to be able to advance the university’s cause. Creating an award, through a gift of life insurance, for students who contend with disabilities while they complete their degrees, is one way I can make a di�erence in the world.”

For additional information on how you can create a legacy at Waterloo, please contact

Sharon McKay-Todd at 519-888-4567, ext. 35413 or [email protected]

Planned Giving | O�ce of Developmentdevelopment.uwaterloo.ca/plannedgiving

A gi� of life insurance is just one way

you can help Waterloo continue

providing one-of-a kind educational

opportunities. The university’s gi�

planning experts are available to work

with you to explore these options and

help you achieve your legacy goals.

Creating a legacy

– Ildikó Dénes (BSc ’98)

6720


your estate that same value on yourdeath. The charitable tax receipt received by your

estate for the value of your charitable gift will reduce taxpayable in your estate. In this way you can: make a significantcharitable gift; reduce taxes payable in your estate; replacethe amount of your charitable gift to your estate.

Pictured Sharon, Jaxon, JasonGiles, Diane Milley and Mya Giles

Graduates of Conestoga share something very special besides their credential. They possess a treasure that is common to all, yet at the same time, unique to each – the Conestoga experience.

Your planned gift can help ensure that future generations of students will have an opportunity to share this experience as well. Students who might one day learn in many of the same classrooms and walk the same halls and discover themselves in many of the same ways as thousands of others before them.

Whether you are a graduate or a friend of Conestoga, your �nancial support is always appreciated. However much you give, in whatever way you choose to give it, your planned gift to Conestoga will help to secure the future of one of the �nest colleges in the country.

For more information on making a gift to Conestoga, please contact:

Tim Tribe, Director of Development519-748-5220 ext. [email protected] visit: www.conestogac.on.ca/giving/

YOU DON’T NEED TOBE A MILLIONAIRETO BEQUEATH ONEMILLION DOLLARS!Robert and Rachel, two lawyers in their forties, live in

Guelph. They have each lost a parent to cancer, andthey want to give a significant sum to research into thisterrible disease.By purchasing a joint, last-to-die life insurance policy

for a million dollars, the beneficiary of which would bethe registered foundation of their choice, they couldattain their goal by investing as little as $42,000.As both are non-smokers, the annual policy premium

would amount to about $8,000 per year over ten years.After deducting the 46% tax credit*, the annual net costis indeed $4,300.

* This example is built with federal and Ontario tax credits. In thisexample, the donors’ annual incomes place them in the highest tax bracket.

�



It’s really all about relationships. The relationship betweenpeople and their community. The relationships betweencharitable and not for profit organizations and the people

they serve, the communities they benefit, and donors whobelieve in what those organizations are doing. Without keyrelationships, all of the good being done by these crucialorganizations would come to a dead stop. We asked membersof the publication’s editorial advisory board to share theirinsights about relationships.

“Supporting one another”Lisa Talbot, Executive Director, KidsAbility Foundation, said,

“Numerous charitable organizations in Waterloo Region andWellington County are dedicated to improving the lives of ourneighbours, friends and loved ones each and every day. Thismay include providing a ‘hand up’ to a family who has fallen ondifficult financial times, providing supports to an individualdealing with a serious illness, helping a newcomer to settle.We live in a community that supports one another in timesof need. Choosing to leave a legacy to a local charitableorganization will help to ensure that the tradition of caringin our community continues today and for years to come.I can’t think of a better legacy to leave behind for thebenefit of future generations.”

“Personal succession plan”Susan St. John, Executive Director of the MS Society,

Waterloo District Chapter, reflected on the value of alegacy gift to the givers: “A succession plan is animportant facet of the transition of leadership. A legacygift is simply our personal succession plan, ensuring thatour values and ideals are implanted firmly in the communityin which our children and grandchildren will thrive. Athoughtfully directed legacy gift will help create a communitywhere people understand the future is only as secure as thetomorrows of its most frail and marginalized citizen.”

“Shared vision for future generations”Dipali Batabyal is Development Officer, Family Campaign

and Special Projects, Office of Development and AlumniAffairs, University of Waterloo. She sees legacy gifts as key tocommunity development: “Legacy gifts can be substantialdonations that have significant tax benefits to the individual’sestate while helping to mobilize community initiatives. Legacy

gifts often lead to sustainable projects bringing solutions forlong-standing issues in the community. Much development inour community has come from substantial donations from theaverage citizen who wanted to make a difference but may nothave known how. This magazine is our way to help individualsunderstand that there is a way forward through a shared visionfor the future generations of our great community.”

“The supportive link”Jesse MacDonald, of Desjardins Financial Security in

Kitchener, speaks of achieving“harmony”: “Business owners knowthat their success rests on theacceptance of their products and

The ImportanceofRelationshipsBY PAUL KNOWLES

Pictured from left Susan St. John, Darren Sweeney,Lisa Talbot and Gillian Flanagan


Do you have an estate?Your “estate” is the sum of all your assets. Wealthy people might have very large estates, but even those who are not

wealthy have the resources to make a charitable bequest. If every adult in Canada made a Will and included a bequestof just $100, billions of dollars would flow to charitable causes every year. Make your Will a priority.

Which charity?Think about the charitable organization or cause you would most like to help. Maybe you or someone you know has

benefited from the service of a particular organization. Maybe you’re an active volunteer or believe in the mission andvalues of a specific group. You may want to leave a gift in memory of a loved one or for particular use or program.

Do your homeworkTalk to the professionals of the organization or charity of your choice. They can tell you more about what they do, what

opportunities are available for giving or leaving your legacy and how your gift can allow them to continue their work inthe future.

Consult a professional advisorConsult the appropriate professional advisor in order to get the right expertise and advice. An advisor can help to

ensure the type and timing of your gift maximizes the advantages to you and the organization.

Talk to your family membersMake sure that your family members are aware of your intentions so they can support the achievement of your

charitable goals and philanthropic dreams.

GETTING STARTED...

services by their community. Community development createsthe supports for those in our community who need assistancenot available from their families and neighborhoods. In many

cases philanthropy provides the supportive linkbetween entrepreneurs and

professionals who are notphysically able to be onthe front lines to help outwhere they see a need.The business communityknows that a healthy,vibrant community isthe backbone of theirfuture success andgrowth. Communityagencies help the lessable participate inmaking our communitiesmore resilient andinclusive. What a strongand natural partnershipthese groups make tobalance needs and efficientdelivery of services.”

“Investment in your community”Sharon McKay-Todd, Associate Director, Planned Giving at

the University of Waterloo, points out, “Giving and planningfor tomorrow is an investment in your community. Leaving alegacy to support a charitable organization significantlycontributes to its sustainability and strengthens the fiber ofour community. Recipients who receive benefits are inspiredby the generosity of others. Those same individuals are verylikely to support that or similar organizations in the future. Youdon’t have to possess wealth to invest in future generations.A bequest for most people is an opportunity to leave asignificant gift through their will that might not have beenpossible in their lifetime and to benefit charities they feel aremaking an impact on our quality of life.”

“A lasting legacy”Gillian Flanagan, Development Officer at KidsAbility, stated:

“As we live in a time of unstable government funding, legacygiving provides an alternate structure of sustainability for ourintegral community service organizations, such as KidsAbility.Legacy giving truly is a win-win situation both for donors andcommunity organizations, as it provides a secure future forcommunity organizations and, simultaneously, enables donorsto leave behind a lasting legacy in the community they live.”�Pictured, from left, Dipali Batabyal, and

Sharon McKay-Todd


L E AV E A L E G A C Y ™ W A T E R L O O W E L L I N G T O N N O T - F O R - P R O F I T D I R E C T O R Y

ALZHEIMER SOCIETY OF KITCHENER-WATERLOODebra McGonegal, [email protected]

831 Frederick St Kitchener N2B 2B4 519-742-1422 x15www.alzheimerkw.com

BIG BROTHERS BIG SISTERS OF WATERLOO REGIONColleen Hicks, [email protected]

7-150 Pinebush Rd Cambridge N1R 8J8 519-624-7655 x210www.bbbswr.org

CAMBRIDGE & NORTH DUMFRIESCOMMUNITY FOUNDATIONThe Community Foundation is availableto anyone who would like to givesomething back to the community, andat the same time, create a legacy tosupport the causes they care about.Donations are pooled into an ever-growing, permanent endowment and

only the earnings generated through its investments are distributedas grants according to the donor’s direction. Donors can be confidentthat a gift to the Community Foundation is a gift that will give forever.

Jane Neath, [email protected] Thompson Drive, Unit 7, Cambridge, ON N1T 2E4 519.624.8972

(phone) 519.624.4032 (fax) www.cambridgefoundation.org

CANADIAN COUNCIL OF CHRISTIAN CHARITIES1-43 Howard Ave Elmira N3B 2C9 519-669-5137

www.cccc.org

Wayne Kroeker, [email protected]

Milly Siderius, [email protected]

COMMUNITY OF CHRISTKen McGowan, [email protected]

519-265-5349 www.cofchrist.org

COMPASSION CANADAJune Dryer, [email protected]

PO Box 5591 London N6A 5G8 519-476-2386 www.compassion.ca

CONRAD GREBEL UNIVERSITY COLLEGEFred Martin, [email protected]

140 Westmount Rd N Waterloo N2L 3G6 519-885-0220 x24381www.grebel.uwaterloo.ca

DOG GUIDES CANADAHeather Fowler, [email protected]

152 Wilson Ave Oakville L6K 3H1 519 648-3307 x222www.dogguides.com

GRAND RIVER HOSPITAL FOUNDATIONJane Jamieson, [email protected]

Box 9056, 835 King St W Kitchener N2G 1G3 519-749-4300x2504 www.grhf.org

GRAND RIVER CONSERVATION AUTHORITY FOUNDATIONLogan Walsh, [email protected]

400 Clyde Rd, Box 729 Cambridge N1R 5W6 519-621-2763www.grandriver.ca

HAMILTON CONSERVATION FOUNDATIONJoan Bell, [email protected]

Box 81067, 838 Mineral Springs Rd Ancaster L9G 4X1905-525-2181 www.conservationhamilton.ca

HOUSE OF FRIENDSHIPChristine Rier, [email protected]

51 Charles St E Kitchener N2G 4R3 519-742-8327www.houseoffriendship.org

INDEPENDENT LIVING CENTRE WATERLOO REGIONAndrew Posen, [email protected]

127 Victoria St S Kitchener N2G 2B4 519-571-6788 x7425www.ilcwr.org

KIDSABILITY FOUNDATION500 Hallmark Dr Waterloo N2K 3P5

www.kidsability.ca

Gillian Flanagan, [email protected] x1350

Lisa Talbot, [email protected] x1201

KITCHENER PUBLIC LIBRARYYou are the author of your legacy.Please include Kitchener PublicLibrary in your story. The countlessways KPL enriches the communityare priceless, but that doesn't meanthey don't come at a cost. As a

beneficiary of our services, you know that a legacy gift to your publiclibrary will be used to enhance the opportunities afforded to thenext generation. Leaving your mark on this community is easy, andwe can help. Working with our Development Manager, and yourfinancial advisor, planning your legacy will be easy and rewarding.

Paul Dickson, [email protected] Public Library, 85 Queen St N, Kitchener, ON,[email protected] 519-743-0271 x278 www.kpl.org

KITCHENER-WATERLOO SYMPHONY36 King St W Kitchener N2G 1A3 519-745-4711

www.kwsymphony.ca

Jana Gordon, [email protected]

Paul Pedersen, [email protected]

KITCHENER-WATERLOO ARTGALLERY (KW|AG)The Gallery’s mission is connectingpeople and ideas through art. Formore than 50 years, KW|AG has

presented, promoted and preserved the visual arts heritage of ourregion. Proud caretakers of a permanent collection of approximately4,000 works, the Gallery’s dynamic programming serve all ages andinterests. Free admission ensures equal access for all. The Gallery'sEndowment Fund is locally managed, and an additional endowmentfund is held at the Ontario Arts Foundation.

Caroline Oliver, [email protected] Queen St N Kitchener N2H 6P8 519-579-5860 x218

www.kwag.ca

LUTHERAN FOUNDATION CANADAAlfred Feth, [email protected]

275 Lawrence Ave Kitchener N2M 1Y3 519-528-6500 x2218www.lutheranfoundation.ca

LUTHERWOOD CHILD ANDFAMILY FOUNDATION

Kim Lester, Manager, DonorRelations, [email protected]

285 Benjamin Road Waterloo, ONN2J 3Z4 519-884-1470

www.lutherwood.ca


MENNONITE FOUNDATION OF CANADA50 Kent Ave Kitchener N2G 3R1 519-745-7821

www.mennofoundation.ca

Sherri Grosz, [email protected]

Mike Strathdee, [email protected]

MS SOCIETY, WATERLOO DISTRICTCHAPTERThe MS Society is responsible forbreakthroughs in research,excellence in services for peoplewith MS and their families, dynamicpublic education programs, andadvocacy to reshape government

policy. The support of your legacy gift will ensure, with unwaveringassurance that someone will be there to provide support, hope, andcaring for those struggling with MS … until there is a cure … andbeyond. Contact your local chapter to help

Susan St. John, [email protected] Belmont Ave. West, Kitchener 519-569-8789

www.mssociety.ca/waterloo

OWEN SOUND REGIONAL HOSPITAL FOUNDATIONWillard Vanderploeg, [email protected]

Box 1001, 1800 8th St E Owen Sound N4K 6H6 519-372-3925www.oshfoundation.ca

PROJECT PLOUGHSHARESMatthew Pupic, [email protected]

57 Erb St W Waterloo N2L 6C2 519-888-6541www.ploughshares.ca

REDEEMER UNIVERSITY COLLEGEJames VanderLaan, [email protected]

777 Garner Rd E Ancaster L9K 1J4 905-648-2131www.redeemer.ca

RENISON UNIVERSITY COLLEGECaroline Woerns [email protected]

240 Westmount Rd N Waterloo N2L 3G4 519-884-4404 x28605www.renison.uwaterloo.ca

ROCKWAY MENNONITE COLLEGIATEBernie Burnett, [email protected]

110 Doon Rd Kitchener N2G 3C8 519-743-8209 www.rockway.ca

ST. JEROME’S UNIVERSITYNadine Collins, [email protected]

290 Westmount Rd N Waterloo N2L 3G3 519-884-8111 x28255www.sju.ca

ST. MARY’S GENERAL HOSPITALFOUNDATION:Founded in 1924, St. Mary’sGeneral Hospital remains an islandof healing and hope to the peopleof Waterloo Region andsurrounding areas. Known for ourcommitment to excellent,

innovative, and patient-centred care, we are one of the country’sfinest hospitals and we take seriously the trust our community putsin us. In return, we are honoured to have the financial support of thepeople we serve so that we can continue our work.

911 Queen’s Blvd., Kitchener, ON N2M 1B2 | 519-749-6797St. Mary’s General Hospital Foundation

www.supportstmarys.ca

STRATFORD SHAKESPEARE FESTIVALClassical theatre changes lives. It enriches our experiencewith colour, depth, understanding and purpose. Theexperience of a single performance can last a lifetime.Planning a gift to benefit the Stratford Shakespeare Festival isa way you can support great classical theatre, not simply forthis season or next, but for all time.For assistance in planning your legacy or for moreinformation, please contact Kathryn McKie, Planned GivingManager, or visit our web-site.

Kathryn McKie, [email protected] Queen Street, P.O. Box 520 Stratford, ON N5A 6V2

(519) 271-4040 ext. 5640www.Stratfordshakespearefestival.com/legacy

THE KITCHENER & WATERLOO COMMUNITY FOUNDATIONRosemary Smith, [email protected]

B-29 King St E Kitchener N2G 2K4 519-725-1806 x 1www.kwcf.ca

UNIVERSITY OF GUELPHGail Kendall, [email protected]

50 Stone Rd E Guelph N1G 2W1 519-824-4120www.uoguelph.ca

UNIVERSITY OF WATERLOO200 University Ave W Waterloo N2L 3G1

www.uwaterloo.ca

Dipali Batabyal, [email protected] x37195

Roberta Garcia, [email protected] x38758

Sharon McKay-Todd, [email protected] x35413

Bonnie Oberle, [email protected] x35422

Joanne Stewart, [email protected]

Ingrid Town, [email protected] x37718

WALKERTON & DISTRICT HOSPITAL FOUNDATIONCheryl Hopkins, [email protected]

21 McGivern St W Walkerton N0G 2V0 519-881-0441www.walkertondistrictfoundation.ca

WILFRID LAURIER UNIVERSITYCec Joyal, [email protected]

75 University Ave W Waterloo N2L 3C5 519-884-0710 x3864www.wlu.ca

YWCA KITCHENER-WATERLOOSheryl Loeffler, [email protected]

153 Frederick St Kitchener N2H 2M2 519-576-8856 x106www.ywcakw.ca

On the cover:Girl jumping, Mya Giles, top inset picture Sharonand Jaxon Giles; middle inset Graydon Large;bottom inset Carly Arsenault

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