Leave A Legacy Guide May 2012

LEAVE A LEGACY TM

your guide to
intelligent philanthropy
LEAVE A LEGACY™ WATERLOO-WELLINGTON Vol.1 No.1 May 2012 Philanthropy Issue - FREE

TABLE OF CONTENTS
What is Leave a Legacy ....................4 Gifts of Property ..............................14
The Benefits of Naming a Charity in Tax Friendly Legislation ....................15
Your Will..............................................5 Why Your Will is Important ..............15
Top Ten Things You Can Do ..............5 Tax Benefits of RRSPs or RRIFs ......16
A Need That Had to be Met ..............6 Charitable Remainder Trusts ..........17
Gifts of Securities ............................8 Gift of Life Insurance ........................18
Legacy of Hope ..................................10 No Need to be A Millionaire..............19
Canadian Legacy Builder ..................12 Importance of Relationships ............20
The Charity Child ..............................13 Membership Directory ......................22

TODAY IS A GOOD DAY
TO LEAVE A LASTING IMPRESSION
Charitable giving lets you give back. Know your options.

John Beynon* Matt Wilhelm* Christopher Annett* Peter Stern* Robert Wilson* Chris Moore*
CFP® CLU CH.F.C. FLMI CFP® FMA CHS BA FLMI CFP® CHS BAS CFP®

Danijela Covic Heather Kersell* Courtney Proudfoot* Natalie Lacroix* Mary Norman Holly Caetano
CFP® CLU CHS BA Office Manager Manager - Business
Development

Kari Hilton Arlene Paul* Meaghan Pitcher Bea McBride Angela Shulist Michelle Karn
Licensed Assistant Wealth Administrator Client Care Reception, Client Office Assistant Office Assistant
Representative Service

Cathy Christoff* Linda Serbu
Wealth Administrator Administrative/
Marketing Assistant

Century Group Financial Solutions Inc.
508 Riverbend Drive, Suite 102, Kitchener ON N2K 3S2
Bus 519-747-0058 Toll free 1-866-950-LIFE (5433)
centurygroupfinancialsolutions.com centurygroup@sunlife.com
*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.

W Can Make a Difference
e
Bettering Community with your Involvement

his publication is a collaborative effort of the Golden Advocis is the Financial Advisors Association of Canada and

T Triangle chapter of Advocis (The Financial Advisors
Association of Canada) and Waterloo-Wellington LEAVE
A LEGACY™, a program of the Canadian Association of Gift
the largest association of its kind in Canada with more than
11,000 members. Advocis members have various specialties
including comprehensive financial and retirement planning,
finance and wealth management, business succession, estate
Planners (CAGP-ACPDP™), to provide valuable information to
the readers on planned gifting and charitable giving. and tax planning, risk management and employee benefits
planning. Our members are focused on understanding the
Canadians are living in a time when an unprecedented financial goals that are important to you and your family.
amount of wealth is being transferred from one generation to
the next. In the next two decades 3.5 million Canadians are With the trend of governments cutting funding, various
expected to die, leaving an estimated $1.5 trillion to their charities are in a position to need your support more than ever.
families and community. The disturbing part is that only 30% of This leaves you with some tough decisions. Make sure that
Canadians currently have an up-to-date your advisor or planner has the knowledge and experience to
legal Will. If this trend continues, support you in making these decisions. Ask whether they are
about two million Canadians will members of Advocis. Our association protects and promotes
end life without a Will to protect advisors in the public interest and we are committed to
their assets in the next two professionalism amongst our members.
decades. Without a Will, people LEAVE A LEGACY™ is a national public awareness program
lose the ability to control that encourages Canadians from all walks of life to make gifts
distribution of their estate to through a Will, life insurance or other gift planning instrument
their chosen beneficiaries. to the charitable organizations of their choice. By doing so,
By leaving a gift to a citizens will ultimately help the not-for-profit and charitable
charity or not-for-profit organizations sector continue to give back to their community.
organization in your Will or The Waterloo-Wellington LEAVE A LEGACY™ program works
estate plan, you ensure hand in hand with professional advisors in Will and estate
your assets continue to planning as well as charities to encourage well planned and
help others into the managed giving. Across Canada there are 22 local LEAVE A
future. Without a Will, LEGACY™ committees that oversee the work of educating the
your property and public. This grassroots collaborative effort includes local
finances are settled charitable organizations, professional estate and financial
according to federal planning organizations, financial institutions, community
and provincial laws, foundations, other funders and the media which have
which may not coincide embraced the underlying principles of philanthropy.
with your wishes. The LEAVE A LEGACY™ program’s goal is to raise awareness
There are many ways of the importance of thoughtful, well planned, tax preferred
to achieve your charitable gifts and their impact on the quality of life for everyone in our
goals without taking away communities. A legacy gift can benefit all not-for-profit groups
from your family and loved large or small.
ones. There are numerous For more information and resources, please visit:
options and types of planned www.leavealegacy.ca and www.advocis.ca.
gifts. Different giving options
allow you to give and still Darren Sweeney, CFP, CHS
provide for family members Certified Financial Planner® Professional
while receiving tax benefits at 2012 Advocis Golden Triangle Chapter President
the same time. 2012 LEAVE A LEGACY™ Waterloo-Wellington Chair

INTELLIGENT GUIDE TO PHILANTHROPY • MAY 2012 | 3

LEGACY IN ACTION

What is Leave a Legacy?
Building awareness and partnerships

EAVE A LEGACY™ is a national public ensure that their favourite charity is able to continue its

L awareness program designed to
educate and encourage people to
leave a gift through their Will or any other
important work, while for others it represents a
way to facilitate the tax implications that
come with the transfer of one’s
estate to surviving relatives.
gift planning instruments to a charity or
nonprofit organization of their choice.
LEAVE A LEGACY™ does not solicit • To provide support:
gifts for any particular organization. Financial assistance is essential
LEAVE A LEGACY™ is a donor- to support and sustain charitable
oriented education campaign to work. Many people generously share
raise awareness of the importance their money, time and energy with
of including a charitable gift in local not-for-profit organizations. And
many people are unaware that by
the estate planning process.
leaving a gift in their Will or estate plan
The Waterloo - Wellington to the charitable groups of their choice,
LEAVE A LEGACY™ Program is a region- they can continue to help people in need or
wide program (Kitchener-Waterloo, Cambridge promote a favourite cause.
and Guelph areas) that aims to build local awareness of
We wish more funding were available for
the benefits of making planned gifts that better those in our
medical research, for homeless shelters, or a
local community. The local program also aids in building
treasured arts or music program. Charitable
partnerships between donors, charities and not-for-profit
organizations need financial assistance from people like you to
organizations and gift planning professionals such as estate
continue their work. By making bequests and other “planned
planners, financial advisors, insurance professionals,
gifts”, you can continue to help organizations that are making
accountants and lawyers.
an important difference in your community. What better way
A program of the Canadian Association of Gift Planners to thank the people or organizations that have had an impact
(CAGP-ACPDP™), LEAVE A LEGACY™ is a collaborative effort on your life, than to make a contribution from your estate
of donors, charities, not-for-profits and professional advisors. through a bequest in your Will?
The LEAVE A LEGACY™ program’s goal is to raise awareness
of the importance of thoughtful, well-planned, tax-preferred
• To leave a memory
gifts and their impact on the quality of life for everyone in our
communities Choosing to leave a gift from the heart brings meaning,
dignity and purpose to a life well lived. Your gift is your
opportunity to participate in the charitable and community
WHY LEAVE A LEGACY? work most meaningful to you, in a way that allows these
• To enrich people’s lives: important causes to be well supported now and long after you
Every day, people are helped and lives are enriched by the have gone. Personal philanthropy through a Will can be an
work of registered charities and foundations, and other not- additional way to ensure that your memory lives on.
for-profit organizations in our communities. Meals for isolated Surprisingly, a gift can also be a very practical addition to a
seniors, summer jobs for disadvantaged high school students, financial or estate plan when tax issues are taken into
funding for mental health or cancer research or a live consideration – even for those who think they may not have
performance by a local arts organization are just some of the tax issues. In most cases, the tax burden left to relatives is
ways not-for-profit organizations improve our lives. lifted significantly.
Canadians give for many different reasons: for some it is a Your professional advisor can teach you how leaving a
way to ensure their memory lives on, for many it’s a way to planned gift can actually benefit your family after you’re gone.

4 | www.exchangemagazine.com

The Benefits
Together we can make a difference – the difference these

of Naming a
days, is that you can impact the causes you care about by
including them in your Will or estate plan.

Charity in
• To contribute to the future
Personal philanthropy can help contribute to the
sustainability of a not-for-profit organization or charity of your
choice. In life, many of us require some kind of assistance,

Y Will
our
whether it’s physical, financial or spiritual. Perhaps a local
organization or charity has a special place in your heart.
Maybe you were given a scholarship that made the dream of
college possible. You or a loved one may have been shown
especially compassionate care in the hospital during an illness
or injury. It is during life’s many trials when we are reminded
that more could be done to continue personal philanthropy
which support humane acts of kindness and help uphold
programs for personal enrichment. By leaving a gift that lives
out your legacy, you are making a significant contribution to utting a charity in your Will is the simplest way that you
the future sustainability of those charitable organizations that
you value most. P can leave a charitable legacy. With a charitable
beneficiary, you will be remembered after your death for
the values that you held dear during your lifetime. You will feel
good now knowing that you will be making a significant and
lasting difference to causes that you care about.
TOP 10 THINGS YOU Your charitable gift(s) can be in the form of a fixed amount
CAN DO TODAY TO or it can be a percentage of what is left after tax and
other costs have been paid. If your
LEAVE A LEGACY beneficiary is a registered charity,
your estate will receive
1. Prepare a Will. By preparing a Will, you ensure a charitable gift
that your wishes for sharing your legacy with others receipt in the
are guaranteed. Be sure to share this information amount of your
with your loved ones, so they too can be part of gift which will
your lasting gift. offset taxes owing
2. Leave a gift in your Will to the charities that have on your estate. The
touched your life. charitable tax receipt
3. Leave a specific amount or a percentage of your can be applied up to
estate. By being specific, you ensure your wishes 100% in the year of
for your gift will be met. death and in addition,
4. Consider gifting some of your assets, such as carried back one year.
stocks, bonds, cash, real estate or art to your You may feel concern
charities. that heirs will receive less if
5. Name a charity as the beneficiary of your RRSP, charity is named in a Will.
Your family and others who Large
RRIF or pension if possible. ydon
d Gra
depend on you should always re an
6. Consider leaving a charity as the beneficiary of an Deird
come first. However, because
existing or paid up life insurance policy.
tax is almost always owing in an estate, through income and/or
7. Invest in a new life insurance policy naming your capital gain, a charitable receipt can offset tax owing and quite
favourite charity as the beneficiary. simply re-direct some or all of the money in the estate that
8. Remember loved ones with memorial gifts. would go to tax. Your advisor(s) can help you to decide if this is
9. Encourage family and friends to leave legacy gifts in best for you.
their Wills. It is recommended when drawing up your Will, that you
10.Ask your financial or estate planning advisor to help consult a legal advisor who can ensure your final wishes are
you leave a lasting gift and to include charitable met. As well, it is recommended that you consult with family
giving as part of their counsel when working with members so they are involved in your legacy decisions.
clients.


LEGACY IN ACTION

“If we didn’t have interested businesses

to support us, we couldn’t do it.”
Pictured from left to right Mike Bystriansky, Warehouse Manager; Darlene Ruiter, Board
President; Debrorah Cripps, Community Outreach Director; Pauline Cripps, Volunteer;
Kevin Cahill, Volunteer/Sponsor, front, Marilyn Worobec, Executive Director


A Need that Had to be Met
Demand for Guelph Food Bank services is increasing by eight per cent annually
BY PAUL KNOWLES
evin Cahill, founder of Canadian Legacy Builder, is not welcomed donation barrels.

K only a corporate donor to the Guelph Food Bank but also
has been a volunteer for the past seven years. Why?
Because he knows the Guelph Food Bank is vitally important
The Guelph Food Bank has been so successful at garnering
crucial community support that they now help 33 agencies
and small food banks throughout the geographic area.
to the lives of thousands of people. The need was clear in 1987; it is much clearer, today.
He is passionate about the Food Bank as his wife, Debbie, Marilyn says that “the demand has continued to go up.” Deb
was the beneficiary of the Christmas hampers through the adds that requests for assistance increased by eight per cent,
food bank in North Bay where she grew up. Debbie and her last year alone. “We’ve been able to meet the need,” says
sister were the children of a single mom who needed the Marilyn, “through the strong support system that’s been
compassionate, practical help of a food bank, and Kevin and developing over the past 25 years.” The food bank functions
Debbie constantly remember and remind their children to with no government funding, and no United Way funding.
never forget the difference that it made. The support comes from hundreds of people like Kevin. “It
Marilyn Worobec and her friends recognized a need for that gives hope to people who have experienced a tough period in
kind of compassionate, practical help in Guelph, and in 1987, life. It gives them the opportunity to more forward and
they founded the Guelph Food Bank. Marilyn continues as recover.” The Food Bank, he says, “fills an enormous need.” He
Executive Director of the food bank, today. The facility is a says that he and his wife know that they are very fortunate to
ministry of the Spiritwind Christian Centre. be where they are in their lives. It is their passion to give back
It’s a remarkable story. The Guelph Food Bank has only two to the community that has been so great to them. Marilyn says
and a half full-time staff members, but the organization logs this kind of support is critical for the Food Bank. “If we didn’t
100,000 volunteer hours each year, and provides much- have interested businesses and people like Kevin being there
needed food to 22,400 people. And that doesn’t include to support us, we couldn’t do it.”
assistance provided through other agencies. In all, the food The Guelph Food Bank is committed to providing assistance
bank distributed over 1 million pounds of food last year. across the spectrum of community needs; they have launched
Marilyn and her colleagues, including community outreach other programs, including a day care centre that hosts 85
director Deb Cripps, are both humble and dedicated to their children, and employs a staff of 26.
work. They are full of praise for their volunteers and their The success of the Guelph Food Bank has made the
financial supporters, including their original landlord, Guelph organization a model for other communities. Food bank
businessman John Barber, who initially rented them the food organizers have come to learn from the Guelph Food Bank
bank facilities, in 1989, and nine years later, donated the from Costa Rica, Brazil, Trinidad, El Salvador, Alabama,
facilities themselves to the Guelph Food Bank. The buildings Louisiana and other international locales, and have returned
cover 94,000 square feet. However, the property also carried home to found successful food banks in their communities.
a $1.5 million mortgage. The Food Bank occupies 16,000 They have understood the essential motivation of the Guelph
square feet; the rest of the property is rented out. Food Bank: “We saw a need, and the need had to be met.”
The Guelph Food Bank has come a long way since it began
operations in Marilyn’s garage, but as she says, the need is LEGACY PROFILE BROUGHT TO YOU BY:

great, and therefore the facility needed to be big enough to
meet the need. The need was the reason for being. In 1987,
“there was nothing here in the city.” Marilyn began to contact
other churches and businesses. The response was immediate:
“They have been very supportive, all of them.” She notes, by
the way, that while the Food Bank is an outreach of her church
– “we do not proselytize” – the help is given with no strings
attached. The Kinsmen Club donated money to cover the Food
www.canadianlegacybuilder.com
Bank’s first year’s rent. Deb notes that grocery stores

LEGACY IN ACTION

Gifts of Securities
ifts of securities receive favorable tax treatment. In its to the work of a

G 2006 budget, the Canadian federal government
eliminated capital gains tax on listed stocks when
transferred directly to registered charities. These can be in the
charity that you value.
If instead of cash,
you transfer your shares
form of publicly traded stocks in Canada and major international now worth $20,000
directly to the charity, you
exchanges, mutual funds, bonds or futures. You will receive a
will not have to pay tax on
charitable receipt for the market value of the securities, just as your gain. You will also
though you had donated cash. When combined with the receive a $20,000 charitable
charitable receipt for the value of the securities, this provides a receipt to apply against your
great deal of tax benefit to you, the donor, while giving support taxes.

Selling Shares on the Donating
Market & Donating Cash Shares
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
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.

Editorial Committee and Contributors:
• Darren Sweeney, Certified Financial Planner, Professional darren@darrensweeney.ca
• Gillian Flanagan, KidsAbility Foundation, Development Officer gflanagan@kidsability.ca
• Lisa Talbot, KidsAbility Foundation, Executive Director ltalbot@kidsability.ca
• Dipali Batabyal, University of Waterloo, Development Officer dbatabya@uwaterloo.ca
• Sharon McKay-Todd, University of Waterloo, Associate Director, Planned Giving smckayto@uwaterloo.ca
• Susan St. John, MS Society, Executive Director susan.st.john@mssociety.ca
• Jesse MacDonald, Desjardins, Financial Security Life & Health Insurance Advisor jesse.macdonald@dfsin.ca
• Jon Rohr, Exchange Magazine for Business, Publisher jon.rohr@exchangemagazine.com
• Paul Knowles, Exchange Magazine for Business, Editor paul.knowles@exchangemagazine.com
Some editorial material supplied by Niagara/Golden Horseshoe LEAVE A LEAGACY™ Program.
PUBLISHED BY EXCHANGE BUSINESS COMMUNICATIONS INC.


Join a Winning Team
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LEGACY IN ACTION

“We were impressed by

the support they give to

the families”

Bill and Heather Spall pictured above, pictured right
the Arsenault family Mom Sandra with Carly on her
lap, Carly’s sister Lauren and Hazel and Dad Jamie

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

A Legacy of Hope
Building a brighter future for children with special needs
BY PAUL KNOWLES
ill Spall has been a volunteer member of community And Deirdre Large speaks about her son, Graydon, who has

B service groups for his entire adult life. Heather Spall had
a career as a school teacher. When this couple reached
their retirement years, they were aware of the needs in their
Congenital Muscular Dystrophy. Graydon first visited
KidsAbility when he was 11 months; he is now 11 years old.
“His physical progress has been amazing,” says Deirdre. “He’s
also speaking well.”
community, and eager to do what they could to make a
difference. The Spalls wanted to be sure that any contribution Lisa says that so much good is being accomplished through
they made to a community organization really made a KidsAbility, but she admits that the need is greater still. “The
difference. And so, they chose KidsAbility. need continues to grow as our communities grow.”
KidsAbility’s mission is to empower children and youth with KidsAbility has evolved over the past 55 years to meet the
special needs to realize their full potential. The Spalls agree changing needs of children and youth in Waterloo Region and
that KidsAbility is accomplishing its goals. Heather has Wellington County. Today, KidsAbility supports children and
volunteered at KidsAbility for seven years, supporting teachers youth with developmental disabilities and delays related to
here. As a result of their commitment, the Spalls have chosen premature birth, medical syndromes such as coordination
to leave a legacy through their Will to ensure the future needs disorders and autism; physical disabilities such as spina bifida
of the children and families served by KidsAbility are met. and cerebral palsy; and in Waterloo Region, communication
difficulties in language, articulation, fluency and voice.
The Spalls were drawn to KidsAbility because “we were
impressed by the staff, by the support they give to the families,” KidsAbility’s impact doesn’t stop with the child. This is truly
says Heather. Bill adds, “and by the families themselves.” a family-focused organization. Deirdre Large says her husband,
Peter, and sons Graydon, Garrett and Griffin have all “been
The Spalls are creating an endowment fund through a
guided by the people at KidsAbility the whole time.”
charitable bequest in their Will because “we wanted to leave
something to the community, to be as effective as possible.” Carly Arsenault’s family feels the same connection to
When the gift is received from their estate, it will be managed KidsAbility. The Cambridge family includes mom Sandra, father
by KidsAbility Foundation, with investment income annually Jamie Arsenault, Carly and sisters Lauren and Hazel. Sandra
supporting the important work of the agency. says, “Carly utilizes KidsAbility on a weekly basis for speech,
physiotherapy and occupational therapy.” KidsAbility team
The Spall family is supportive of this fund. Bill says, “Our
members have also worked with all family members so they
kids are aware of what we are doing, and they’re on board.”
understand the best way to support Carly.
“This kind of support is so critical,” says Lisa Talbot, Executive
The word support is really the key. The dedicated team at
Director of the KidsAbility Foundation. “With the support of our
KidsAbility supports children and their families; but they can only
legacy donors, the future is bright for the children and youth
do so with the commitment and support of people like Bill and
who receive life-changing services at KidsAbility.”
Heather Spall, who are finding creative and proactive ways to
KidsAbility relies on annual donations from individuals, help KidsAbility make a lasting impact for future generations.
Rotary Clubs and other service groups, corporations,
foundations, and other organizations. Nearly 10% of the $13 LEGACY PROFILE BROUGHT TO YOU BY:
million annual budget comes from those sources, and the
need 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 her JOHN GRIGGS EILEEN QUINN
daughter, Carly, a little girl with Down syndrome: “KidsAbility really Partner Associate
has been essential for Carly’s development. They are fantastically Corporate and Commercial Law Wills, Trusts and Estates
dedicated people. They’re like family. They have helped teach us jgriggs@millerthomson.com equinn@millerthomson.com
all the ways to assist Carly to become all she can be.” 519.593.3231 519.593.2399

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 | 11

There Must be a
LEGACY IN ACTION

Better Way
evin Cahill is passionate about his family, his So Kevin created his own professional category to fill a very

K community, and his vision, which is why he founded
Canadian Legacy Builder with the purpose of securing
lifestyles and family legacies for people who care.
large need. “Financial advisors and financial planners,
especially within a banking institution, are great at helping
people accumulate assets and either helping them grow their
assets, or lose them – which has become the norm in the past
Kevin genuinely cares about helping people help others. And
few years. But no one is answering the question ‘What
his own efforts are in synch with his business objectives – he
happens next?’ after major life events. A legacy planner is
volunteers at the Guelph Food Band, is Chair of the Young
someone who specializes in securing our advocates’ lifestyle
Professionals Network, and has been Area Director of Guelph
while they are alive and creating a lasting legacy for the people
Business Networking International, president of the Rotary
and/or causes they care about after they leave this world.”
Club of Guelph South, treasurer for the Canadian Therapeutic
Riding Association, vice chair of the Guelph Chamber of Kevin wishes family harmony and perpetual family values as
Commerce and treasurer for the AIDS Committee of Guelph goals for his clients which echo his commitments to his family
and Wellington. and his community. Everyone who has ever been loved by
someone leaves a legacy of some kind. Kevin recalls being
Why? Because Kevin is a man who looks for solutions. Kevin
with a friend who lost both his parents in the same year and
became involved in legacy planning because of a number of
Kevin witnessed his friend write a cheque for
personal learning experience. He began his career as a
$196,000 to Revenue Canada; the memory of
financial planner, but legacy planning became the focus in
his parents became, ‘How can two educated
2006 when, as treasurer of CANTRA, the organization received
people let this happen?’
a bequest of $40,000. Due to the public process, as treasurer
Kevin was able to see the will and full statement of financial “There is that old saying: no one plans to
accounts, and saw that while the organization was fortunate to fail, they just fail to plan. Most people
receive the donation, it could have been almost $80,000, as think that a Will is an estate and legacy
half the estate was lost to taxes and fees. plan, but it really is just one piece of the
greater puzzle.”
Kevin realized there must be a better way, and he set out to
find it. “I wanted individuals to be able to make a bigger Kevin says, “Our desire is to help
difference to the people they love or the causes they care families start the conversation about
about and not have their hard earned wealth lost or stolen to what happens next, and work with
the government or the legal system.” them through The Ancestor Builder™
so that they can become great
Canadian Legacy Builder was born in 2009 as a result of
ancestors. And the best part is the
another difficult but invaluable learning opportunity as Kevin’s
only cost is time.”
father lost his battle with cancer. When Kevin’s grandmother
passed away in 1996 Kevin’s dad witnessed a very large estate Kevin says that the amount of the
lost, due to a variety of reasons. “Dad created a plan that estate is not important but planning to
would ensure that 100% of his assets pass quickly and tax free utilize that estate for the benefit of
to the people he loved and the causes he cared about, as he family and the community is. “All that
did not want the same fate to happen to his family.” is important is to have strong family
values with a desire to make a
Kevin was the executor of his father’s estate and when his
difference and leave the world better
dad passed away, the estate passed to the family quickly, and
than how they found it.”
a substantial amount also went to his favorite charities – while
the government received next to nothing. For more information about becoming
a “great ancestor,” contact Kevin at
After this experience Kevin declared, “If Dad can make the
www.canadianlegacybuilder.ca.
advance plans to make a massive difference, why can’t
everyone!”
Kevin Cahill


The Charity Child
Your community as part of your family

hen thinking about preparing a Will most touched their lives. Upon the passing of both parents, the Will

W individuals divide their estate among their
immediate family. They want to be sure that
they can provide for the needs of their loved ones. But
outlines that each child will receive one quarter of
their parent’s estate. The fourth
quarter is dedicated
to the Charity
what people may not consider are the possible tax
Child and directed
consequences to this decision.
to the causes that
Ask yourself, “If you had a choice to give a portion are dearest to their
of your estate to the government in tax or leave a gift hearts.
to a charity‚ which one would you prefer?” The
By placing a
answer is probably obvious, but it might still be
charitable bequest in
difficult to know how to make the gift a reality. One
one’s Will, the estate
creative way to give to charity is to include a
will benefit and
Charity Child in your Will planning.
receive a charitable tax
Some worry that the tax burden placed on their receipt for the gift. This
estate will prevent their children from inheriting will help to offset any
all that they should. Some feel it’s not their taxes payable to the
problem – “the children will work it out.” government. The children
Including a Charity Child could be of real will still receive the
benefit to those who are interested in portion of the estate
providing for their loved ones, leaving a legacy generously left for them as
to their community and limiting their estate well. What is also very
to the exposure of estate taxes. Here’s an important is the children
example: can celebrate their parent’s
Through careful estate planning a family legacy of making a difference
with three children divides their estate into quarters, leaving in the community through
the last quarter to go to not-for-profits or charities that have their philanthropic dreams.

CHARITY CHILD CONCEPT
Charity Child

Child 1

Child 3

Child 2


Gifts of
LEGACY IN ACTION

Property
ou can choose to make a gift of

Y property outright; or you may
irrevocably assign ownership and
receive the tax benefits now while
enjoying the use of the property for your
lifetime. You will have the satisfaction of
knowing that the sale of the property

Putting Profe nal
g Professional
fession now or eventually, will provide funds to
support the work of your charity.
Houses, cottages, commercial buildings
Standar
Standards First
rds and land, jewelry, antiques, art and
vehicles are examples of personal
property that can be used to make a
Advocis’ Go
Golden Triangle ch
olden chapter is
hapter significant contribution. Because all
property has a cash value, the donor is
proud to be part of Advocis,
e Advocis, entitled to a tax receipt for the full
Ca
Canada’s largest voluntary profe
’s l rgest voluntary professional association of
larg tary professional association
iati market value of the property.
financial advi rs a planners.
financial advisors and
a vis sisors rs.

How to
Advocis members provide financial advice, pr
product service
roduct
and employee benefits planning to Canadians in a number
ben
nefits Canadians
of areas, including:

LEAVE A
Advocis members m professional development
meet ongoing profe
fessional LEGACY
• Leave a Gift in your Will
the • Gifts of Life Insurance
• Gifts of RRSPs or RRIFs
To find an Advocis advisor/planner in your community,
Advocis advisor/
r/planner r y, • Gifts of Charitable
contact: www.advocis.ca or call 1.800.563.5
www.advvocis.ca 1.800.563.5822
5822 Remainder Trusts
Advocis, Th Fi
The Financial Advisors Association of Canada, is the oldest and
Canada,
Ca ,
• Gifts of Securities
largest voluntary membership association of financial advi
larg vo
rgest ry membership advisors and planners
isors • Gifts of Property
in Canada, with more th 11,000 advisors and planners in 41 chapters from
a, than
han n fr
coast to coast.
There are many ways to leave a
gift to a not-for-profit or charity
that has touched your life.


Be a Lasting Champion of
Childrens Mental Health
I no longer had any hope…you integrating back into her community school.

“ have put the hope back
into my life.”
These words, as reflected by
Emily is not alone. One out of five children
struggle with some sort of mental health
issue.
this 14 year old girl, capture the At Lutherwood’s Children’s Mental
essence of our work at Health Centre in Waterloo we work to
Lutherwood – putting hope back bring hope back into the lives of children
into lives. Emily came to us as a and their families who have been
very isolated youth who continually deeply burdened with mental health
lashed out in anger. Her family had issues. Ranked #1 in all of Ontario (by
all but given up on her. She had no Children’s Mental Health Ontario),
friends. She wouldn’t get out of bed in the Children’s Mental Health
the morning for school. She struggled Centre is often the “last resort” in
so significantly with depression and treatment options for these youth
anxiety that she didn’t want to live. who struggle to find their way.
Once at Lutherwood, the changes came But we can’t do it alone. We need
slowly. But over time, with the unwavering friends in the community who will partner with us
support of the staff team at Lutherwood, and will be a lasting champion of Children’s Mental Health.
healing work began in Emily’s heart and For more information on how you can leave a legacy please
mind. This past June, she was one of 10 youth contact Kim Lester, Manager, Donor Relations,
who graduated from grade 8 at Lutherwood, and is now klester@lutherwood.ca or 519-884-1470.

TAX FRIENDLY WHY IS YOUR WILL
LEGISLATION IMPORTANT
The LEAVE A LEGACY™ goal of advancing philanthropy is Your Will or testament guarantees that your property and
supported by federal government legislation. By implementing assets will be regulated according to your desires. Without a
legislation that allows Canadians to claim donations and other Will, there is no mechanism in place to make a bequest. Here
benefits in their taxes, the federal government encourages are some steps you should take to ensure that your wishes
an increase of gifts to charities from individuals and are granted:
corporations. Statistics Canada reports that, in 2010, 23% of 1. Make a detailed list of your assets (financial, real estate,
Canadians filling tax returns claimed a charitable donation. vehicles, jewellery, collectibles, musical instruments, etc.).
These claims totaled $8.3 billion. 2. Make a list of organizations or causes you would like to
Significant tax incentives make gift planning even more support.
attractive, particularly for those gifts left in a Will. By making 3. Set up an appointment with your professional advisor (i.e.
it easier to leave a gift, the federal government through its financial analyst, attorney, or planned giving officer) to discuss
beneficiary legislation helps to promote the LEAVE A your options. Your professional advisor can help you decide
LEGACY™ program message, and allows Canada to continue which option(s) will work best for you and your family.
its rich history of giving.


The Exemplary Tax
LEGACY IN ACTION

Benefits of RRSPs & RRIFs
aming the charity of your choice the become an income

N partial or full beneficiary of your RRSP
or RRIF is one of the most tax effective
ways to leave a legacy. This is because RRSPs
of $135,000, if there
is $100,000 in RRSP or
RRIF income added. The
income would be taxed at
and RRIFs are among the most highly taxed
the highest tax level, in
assets in your estate, hence the charitable tax
many cases, directing
receipt offsets any taxes owing
approximately half the
against your estate. RRSP or RRIF to
At death, RRSPs and RRIFs taxation. A charitable
are treated as if they have been receipt can be applied
cashed all at once and are added up to 100% in the year of
to income in the year of death. For death and in addition, can be
example, this could mean that an carried back one year.
income of $35,000 in the year of death could

BLAZE A TRAIL
IN LAURIER’S
SECOND CENTURY
Legacy 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 Officer, Individual & Legacy Giving
at cjoyal@wlu.ca or call 519-884-0710 x3864.

wlu.ca/giving

WILFRID LAURIER UNIVERSITY
Waterloo | Brantford | Kitchener | Toronto


Charitable Remainder Trusts
Charitable Remainder Trust provides you with income based on the present value of the remainder interest

A for life; then, after your lifetime, the assets pass to the
charity for charitable work. You receive immediate tax
relief in that a charitable receipt for the remainder of the full
determined by the remainder of the fair market value of the
assets. The charitable tax receipt is often within a range of 20-
60% of the value of the assets.
market value is provided at the time that the trust is
established. A trust can also be set up to provide income for
a surviving spouse or other family member. In that case, the Benefits include:
assets would pass to the charity only after both spouses have • a steady income and immediate tax benefits
died. A charitable remainder trust can be funded with cash, • expert financial management
securities or real estate. Charitable remainder trusts are
• allows you to make a significant gift
irrevocable gifts. The donor is most times entitled to a
• avoids probate
charitable receipt at the time that the trust is created, giving
tax relief during the donor’s lifetime. The receipt amount is

A well-structured charitable legacy
well-st
tructured c
depends on expert planning.
s t planning.
e Clien
nt .
Scotia Private Client Group is the leading provider of philanthr
g philanthropic donor
ropic ®

solutions in Canada. Whether it is a Private Foundation, personal fund or
Canad da. Private nal
helping structure gifts, we have the means and knowledge to help you make a
g means h
lasting impact for generations to come.

To learn more contact:
contact:
Elizabeth Heald, Director & Head
Eli b th H ld Di t irector H d
Scotia Private Client Group
Clien
nt
Kitchener-Waterloo, Cambridge, Guelph, and area
Kitchener-Waterloo, Guelph,
Telephone: 519-74
519-743-4233
43-4233
Toll free: 1-866-24
1-866-240-7340
40-7340
elizabeth.heald@sc
elizabeth.heald@scotiaprivateclient.com
cotiaprivateclient.com
® Registered
Registered trademarks of The Bank of Nova Scotia.TM Trademark of The Bank of Nova Scotia.
Sc
cotia. Trademark


The Amazing Benefits of
LEGACY IN ACTION

Leaving a Gift of Life Insurance
ne potential application of life insurance is through full the full value of your payments that can be applied against your

O paid up policies. If you have a fully paid up life insurance
policy that has value but is no longer needed, you can
realize a charitable receipt in the fair market value of the policy
present taxes. The charity receives the money for its charitable
purposes on your death and there is no charitable receipt to
your estate.
that can be applied for current tax relief. b) If you name the charity as beneficiary and continue to
Life insurance can be powerful ally in increasing the amount own the policy, your estate will benefit from the charitable
of the value of an estate. Through a series of smaller payments receipt on the value received at death.
during your lifetime, you can make a large charitable gift at the A benefit to naming a charity directly on your policy is that
end of life. This is accomplished through the magic of there is no need for the gift to pass through probate. It passes
leveraging. outside your estate, thereby saving money in your estate and
For new policies or those that are assigned before fully paid, the gift is not subject to contest.
tax benefits are available as follows: Life insurance can also be utilized as wealth replacement.
a) If you name the charity as beneficiary and irrevocable For instance, you can replace the full value of a gift to charity
owner of the policy, you will receive an annual tax receipt for in your estate by taking out a life insurance policy that will pay

Creating a legacy
A gift of life insurance is just one way
you can help Waterloo continue
providing one-of-a kind educational
opportunities. The university’s gift
planning experts are available to work
with you to explore these options and
help you achieve your legacy goals.

For additional information on how you can “For me, as both a graduate and a staff member,
create a legacy at Waterloo, please contact
Waterloo has become a very important part of
Sharon McKay-Todd at 519-888-4567, ext. 35413
my life. I’m thrilled to be able to advance the
or smckayto@uwaterloo.ca
university’s cause. Creating an award, through
Planned Giving | Office of Development a gift of life insurance, for students who contend
development.uwaterloo.ca/plannedgiving
with disabilities while they complete their degrees,
is one way I can make a difference in the world.”
– Ildikó Dénes (BSc ’98)
6720


Pictured Sharon, Jaxon, Jason
YOU DON’T NEED TO
Giles, Diane Milley and Mya Giles
BE A MILLIONAIRE
TO BEQUEATH ONE
MILLION DOLLARS!
Robert and Rachel, two lawyers in their forties, live in
Guelph. They have each lost a parent to cancer, and
they want to give a significant sum to research into this
terrible disease.
By purchasing a joint, last-to-die life insurance policy
for a million dollars, the beneficiary of which would be
the registered foundation of their choice, they could
attain their goal by investing as little as $42,000.
As both are non-smokers, the annual policy premium
your estate that same value on your would amount to about $8,000 per year over ten years.
death. The charitable tax receipt received by your After deducting the 46% tax credit*, the annual net cost
estate for the value of your charitable gift will reduce tax is indeed $4,300.
* This example is built with federal and Ontario tax credits. In this
payable in your estate. In this way you can: make a significant example, the donors’ annual incomes place them in the highest tax bracket.
charitable gift; reduce taxes payable in your estate; replace
the amount of your charitable gift to your estate.

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 financial
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 finest colleges in the country.

For more information on making
a gift to Conestoga, please contact:
Tim Tribe, Director of Development
519-748-5220 ext. 2409
ttribe@conestogac.on.ca
or visit: www.conestogac.on.ca/giving/


The Importance of
LEGACY IN ACTION

Relationships
BY PAUL KNOWLES
t’s really all about relationships. The relationship between gifts often lead to sustainable projects bringing solutions for

I people and their community. The relationships between
charitable and not for profit organizations and the people
they serve, the communities they benefit, and donors who
long-standing issues in the community. Much development in
our community has come from substantial donations from the
average citizen who wanted to make a difference but may not
have known how. This magazine is our way to help individuals
believe in what those organizations are doing. Without key
understand that there is a way forward through a shared vision
relationships, all of the good being done by these crucial
for the future generations of our great community.”
organizations would come to a dead stop. We asked members
of the publication’s editorial advisory board to share their
“The supportive link”
insights about relationships. Jesse MacDonald, of Desjardins Financial Security in
Kitchener, speaks of achieving
“Supporting one another” “harmony”: “Business owners know
Lisa Talbot, Executive Director, KidsAbility Foundation, said, that their success rests on the
“Numerous charitable organizations in Waterloo Region and acceptance of their products and
Wellington County are dedicated to improving the lives of our
neighbours, friends and loved ones each and every day. This
may include providing a ‘hand up’ to a family who has fallen on
difficult financial times, providing supports to an individual
dealing with a serious illness, helping a newcomer to settle.
We live in a community that supports one another in times
of need. Choosing to leave a legacy to a local charitable
organization will help to ensure that the tradition of caring
in our community continues today and for years to come.
I can’t think of a better legacy to leave behind for the
benefit of future generations.”

“Personal succession plan”
Susan St. John, Executive Director of the MS Society,
Waterloo District Chapter, reflected on the value of a
legacy gift to the givers: “A succession plan is an
important facet of the transition of leadership. A legacy
gift is simply our personal succession plan, ensuring that
our values and ideals are implanted firmly in the community
in which our children and grandchildren will thrive. A
thoughtfully directed legacy gift will help create a community
where people understand the future is only as secure as the
tomorrows 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 Alumni
Affairs, University of Waterloo. She sees legacy gifts as key to
community development: “Legacy gifts can be substantial
donations that have significant tax benefits to the individual’s
estate while helping to mobilize community initiatives. Legacy
Pictured from left Susan St. John, Darren Sweeney,
20 | w w w . e x c h a n g e m a g a z i n e . c o m Lisa Talbot and Gillian Flanagan

services by their community. Community development creates “Investment in your community”
the supports for those in our community who need assistance Sharon McKay-Todd, Associate Director, Planned Giving at
not available from their families and neighborhoods. In many the University of Waterloo, points out, “Giving and planning
cases philanthropy provides the supportive link for tomorrow is an investment in your community. Leaving a
between entrepreneurs and legacy to support a charitable organization significantly
professionals who are not
contributes to its sustainability and strengthens the fiber of
physically able to be on
our community. Recipients who receive benefits are inspired
the front lines to help out
where they see a need. by the generosity of others. Those same individuals are very
The business community likely to support that or similar organizations in the future. You
knows that a healthy, don’t have to possess wealth to invest in future generations.
vibrant community is A bequest for most people is an opportunity to leave a
the backbone of their significant gift through their will that might not have been
future success and possible in their lifetime and to benefit charities they feel are
growth. Community making an impact on our quality of life.”
agencies help the less
able participate in
“A lasting legacy”
making our communities
Gillian Flanagan, Development Officer at KidsAbility, stated:
more resilient and
inclusive. What a strong “As we live in a time of unstable government funding, legacy
and natural partnership giving provides an alternate structure of sustainability for our
these groups make to integral community service organizations, such as KidsAbility.
balance needs and efficient Legacy giving truly is a win-win situation both for donors and
delivery of services.” community organizations, as it provides a secure future for
community organizations and, simultaneously, enables donors
Pictured, from left, Dipali Batabyal, and
Sharon McKay-Todd to leave behind a lasting legacy in the community they live.”

GETTING STARTED...
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 bequest
of 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 and
values 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 homework
Talk 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 in
the future.

Consult a professional advisor
Consult 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 members
Make sure that your family members are aware of your intentions so they can support the achievement of your
charitable goals and philanthropic dreams.


L E AV E A L E G A C Y ™ WA 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-WATERLOO HOUSE OF FRIENDSHIP
Debra McGonegal, dmcgonegal@alzheimerkw.com Christine Rier, christiner@houseoffriendship.org
831 Frederick St Kitchener N2B 2B4 519-742-1422 x15 51 Charles St E Kitchener N2G 4R3 519-742-8327
www.alzheimerkw.com www.houseoffriendship.org

BIG BROTHERS BIG SISTERS OF WATERLOO REGION INDEPENDENT LIVING CENTRE WATERLOO REGION
Colleen Hicks, colleen.hicks@bbbswr.org Andrew Posen, andrew@ilcwr.org
7-150 Pinebush Rd Cambridge N1R 8J8 519-624-7655 x210 127 Victoria St S Kitchener N2G 2B4 519-571-6788 x7425
www.bbbswr.org www.ilcwr.org

CAMBRIDGE & NORTH DUMFRIES KIDSABILITY FOUNDATION
COMMUNITY FOUNDATION 500 Hallmark Dr Waterloo N2K 3P5
The Community Foundation is available www.kidsability.ca
to anyone who would like to give
something back to the community, and Gillian Flanagan, gflanagan@kidsability.ca
at the same time, create a legacy to 519-886-8886 x1350
support the causes they care about. Lisa Talbot, ltalbot@kidsability.ca
Donations are pooled into an ever- 519-886-8886 x1201
growing, permanent endowment and
only the earnings generated through its investments are distributed
as grants according to the donor’s direction. Donors can be confident KITCHENER PUBLIC LIBRARY
that a gift to the Community Foundation is a gift that will give forever. You are the author of your legacy.
Jane Neath, foundation@in.on.ca Please include Kitchener Public
135 Thompson Drive, Unit 7, Cambridge, ON N1T 2E4 519.624.8972 Library in your story. The countless
(phone) 519.624.4032 (fax) www.cambridgefoundation.org ways KPL enriches the community
are priceless, but that doesn't mean
they don't come at a cost. As a
CANADIAN COUNCIL OF CHRISTIAN CHARITIES beneficiary of our services, you know that a legacy gift to your public
1-43 Howard Ave Elmira N3B 2C9 519-669-5137 library will be used to enhance the opportunities afforded to the
www.cccc.org next generation. Leaving your mark on this community is easy, and
we can help. Working with our Development Manager, and your
Wayne Kroeker, wayne.kroeker@cccc.org financial advisor, planning your legacy will be easy and rewarding.
Paul Dickson, Paul.Dickson@kpl.org
Milly Siderius, milly.siderius@cccc.org Kitchener Public Library, 85 Queen St N, Kitchener, ON,
campaign@kpl.org 519-743-0271 x278 www.kpl.org
COMMUNITY OF CHRIST
Ken McGowan, mcgowankj@rogers.com KITCHENER-WATERLOO SYMPHONY
519-265-5349 www.cofchrist.org 36 King St W Kitchener N2G 1A3 519-745-4711
www.kwsymphony.ca
COMPASSION CANADA
Jana Gordon, jgordon@kwsymphony.on.ca
June Dryer, jdryer@compassion.ca
PO Box 5591 London N6A 5G8 519-476-2386 www.compassion.ca Paul Pedersen, ppedersen@kwsymphony.on.ca

CONRAD GREBEL UNIVERSITY COLLEGE KITCHENER-WATERLOO ART
Fred Martin, fwmartin@uwaterloo.ca GALLERY (KW|AG)
140 Westmount Rd N Waterloo N2L 3G6 519-885-0220 x24381 The Gallery’s mission is connecting
www.grebel.uwaterloo.ca people and ideas through art. For
more than 50 years, KW|AG has
DOG GUIDES CANADA presented, promoted and preserved the visual arts heritage of our
region. Proud caretakers of a permanent collection of approximately
Heather Fowler, hfowler@dogguides.com 4,000 works, the Gallery’s dynamic programming serve all ages and
152 Wilson Ave Oakville L6K 3H1 519 648-3307 x222 interests. Free admission ensures equal access for all. The Gallery's
www.dogguides.com Endowment Fund is locally managed, and an additional endowment
fund is held at the Ontario Arts Foundation.
GRAND RIVER HOSPITAL FOUNDATION Caroline Oliver, coliver@kwag.on.ca
Jane Jamieson, jane.jamieson@grhosp.on.ca 101 Queen St N Kitchener N2H 6P8 519-579-5860 x218
Box 9056, 835 King St W Kitchener N2G 1G3 519-749-4300 www.kwag.ca
x2504 www.grhf.org
LUTHERAN FOUNDATION CANADA
GRAND RIVER CONSERVATION AUTHORITY FOUNDATION Alfred Feth, afeth@lcceastdistrict.ca
Logan Walsh, lwalsh@grandriver.ca 275 Lawrence Ave Kitchener N2M 1Y3 519-528-6500 x2218
400 Clyde Rd, Box 729 Cambridge N1R 5W6 519-621-2763 www.lutheranfoundation.ca
www.grandriver.ca
LUTHERWOOD CHILD AND
HAMILTON CONSERVATION FOUNDATION FAMILY FOUNDATION
Joan Bell, jbell@conservationhamilton.ca Kim Lester, Manager, Donor
Box 81067, 838 Mineral Springs Rd Ancaster L9G 4X1 Relations, klester@lutherwood.ca
905-525-2181 www.conservationhamilton.ca 285 Benjamin Road Waterloo, ON
N2J 3Z4 519-884-1470
www.lutherwood.ca


Leave A Legacy Guide May 2012

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