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CORNERS Vol u m e 0 5 • Is s u e 03 • W I NTER 2 0 1 3

IN TH IS IS S UE ‘Tis The Season


Craft Show


Toys For Tots


Business Award


Stars of South Mississauga 08

Ch ri stmas i s just around t he co r ner

Community Corner


Ask Marsha


R3 Evolution


Michael’s Back Door


Ask the Jeweller




New Additions



By R oxanne M cKenzie, Ch air, Clarkso n Villag e BIA

There I‘ve said it, Christmas! I should also say Happy Hanukkah, Eid al-Adha, Yule or even Happy Kwanzaa as it is never our intent to exclude anyone. After all we are often referred to as a family friendly Village.

The Most Successful Sign in Mississauga!

But Christmas is a saying we have been using from the earlier days of settlement here in Clarkson, and our roots run deep. Did you know we are the oldest Village in Mississauga? We encourage you to celebrate your holiday with us and hope you will visit our quaint little Village when looking for those special gifts to share with your friends and family. Many of our businesses have been established for many years and have a wide array of special items from antiques to car accessories. Visit our website for a list of all the businesses that are ready to cater to all of your holiday needs or look on the back of the Clarkson Corners newspaper. You can even access our website on your mobile device; simply visit www. for our Business Directory. Christmas is a special time of year and what better way to share the holiday spirit than to lend a helping hand. How you ask? By shopping local! Many of our business owners are also local residents and by supporting them you are supporting your neighbour. Together we are not only building a stronger Village, we are building a stronger community. Considering visiting us on Saturday, December 14th or Wednesday, December 18th and take in the sounds of the Baker Street Victorian Carollers. They will be strolling the Village between 1pm and 4pm.

continued on page 4


CLARKSON | LORNE PARK 1697 Lakeshore Road West CLARKSON 905-855-2200

PORT CREDIT 125 Lakeshore Road East PORT CREDIT 905-278-3500

‘Tis the season For local residents, there is nothing like the holiday season in the Villages of Clarkson. The holiday spirit was awakened during the tree lighting on November 28th and is brought to a full tempo on Christmas Day. The holiday spirit continues on throughout the holiday season as the Village bustles with activity and local shops are decorated with holiday themed displays. Enjoy holiday shopping in a relaxed and unhurried atmosphere. Get to know the local business owners and let them assist you with their wealth of knowledge. Take the time to familiarize yourself with the many local shops and restaurants in your community. Looking for a quiet evening from shopping? Stroll along the Rattray Marsh Conservation Area or visit one of the local museums.

Clarkson’s Corners

Clarkson’s Community Newspaper Volume 05 | Issue 04 For advertising information, please contact Toby Gardiner at 416-875-1409 or by e-mail at

Editorial Contributors: Lindsay Howe and J. Knox

From RJ Entertainment Publishing, we once again thank all our readers and advertisers for all that you do. We wish everyone happy holidays and a prosperous New Year. And remember to continue to shop local! Thanks to everyone for supporting our advertisers throughout the year, and for reading our community newspapers. The phone calls and emails that we receive in support of our papers are encouraging and reinforce the fact that our local newspapers fulfill a need within the Villages.

Toby Gardiner | Publisher

Follow us on Twitter @RJentpub and like us on Facebook @RJEntertainmentPublishing. Read all our publications on-line @ Clarkson’s Corners is printed on 100% recycled fibre. Please recycle.



Craft Show Assists Students at Home and Abroad

Christmas Just Around The Corner continued from front cover

By J. Knox Lorne Park Public School (LPPS) held their 3rd Annual Craft Show on Saturday, November 16th bringing to the community beautifully crafted items for purchase from 53 local artisans, crafters and small business.

Perhaps as you are out and about you would consider dropping off a pair of mittens at Lakeshore Floor - Carpet One, located at 1034 Clarkson Rd. N. to help fill their Mitten Tree for The Compass. Or perhaps consider toiletries for the ladies at Armagh House which can be dropped off at RONA located at 1692 Lakeshore Rd. W.

”The Craft Show is a great event for the community to attend and get a head start on their holiday shopping, at the same time support their local school. Money raised at the event is put towards enrichments and curriculum support for the children at LPPS”, says Arati Nair, one of 25 parent volunteers on the LPPS school council.

We hope you will consider shopping local this holiday season; we have plenty of FREE parking. The BIA has big plans for 2014, visit our website often or follow us on Twitter and Facebook to get all the latest information: ClarksonBIA You can also keep up to date by listening to “Peel Today”, Monday – Friday 7am – 11am by visiting

A portion of funds raised through a suggested $1 donation at the door, silent auction and bake sale will go toward the purchase of iPads for the students, guest speakers who will address subjects such as of bullying with students and for workshops on Facebook and cyber safety for parents.

On behalf of all the businesses here in the Clarkson Village we want to wish you all the joys of this holiday season and hope to see you soon.

School council member and event organizer Jillian Rawlin says that the craft show is one of the largest fundraising events held by the school. “Giving back to the community is a big component to what we do at our fundraisers and we are always looking to find charities where we can contribute to. Free The Children is the charity we are supporting through today’s event” says Jillian. Inspired by last year’s successful ‘We Create Change’ LPPS fundraising challenge, a group of grade 5 students made and sold bracelets at this year’s craft show with all proceeds going to Free The Children. The We Create Change challenge raised $500 in pennies. The Free The Children organization was able to use that money to bring clean water to 2,500 people for life.


Toronto Maple Leaf Alumni verses LPHA Coaches

Sleigh Bells Ring!

By Michael Doyle, President, Lorne Park Hockey Association

Some children will not receive or have toys to play with this year. The Lorne Park Hockey Association is asking you to help them put a smile on a child’s face this Holiday Season with the gift of a toy. For the fourth year, The Lorne Park Hockey Association Coaches Team will battle their heroes of the past, Darryl Sittler & the Toronto Maple Leafs Alumni, in a game full of fun and surprises to help raise donations for the Peel Regional Police Toys for Tots Program. This exciting game will take place on Friday, December 13th at 7 pm at Iceland Arena 705 Matheson Blvd. East. Doors will open at 6:30 pm. The ticket price is a new, unwrapped toy or just $10! Tickets are available for purchase at the door.

Tired of holiday line-ups? Tired of shopping? Tired of fake Santa’s in all the commercials urging you to buy, buy, buy? You need to give your spirits a lift, to renew your faith in the goodness of humanity and the joy of the season. And there’s no better way to do it than to come to the Mississauga Symphony’s annual “Holiday Spectacular” on December 14th at 4:00 at the Living Arts Centre!

Mayor McCallion, Johnny Bower, City Councillors, MPPs & MPs will be there to drop the opening faceoff along with some surprise guests in attendance. A Shoot for a Car Contest will take place. Four lucky ticket holders will have the chance to win a brand new car from Whiteoaks Ford-Lincoln, many other prizes and give-a-ways.

Maestro Denis Mastromonaco and the orchestra will whirl you and your family on a journey to the North Pole as we play all your Christmas favourites, from Tchaikovsky’s “Nutcracker” to Leroy Anderson’s “Christmas Festival” and “Sleigh Ride”. You can sing along to beloved carols, beat in time to Johann Strauss’s “Radetsky March”, and dance in the aisles to Rimsky-Korsakov’s “Dance of the Buffoons”. As always, we ask you not to applaud, but to ring sleigh bells and car keys and anything else that jingles merrily! (Bells will be on sale in the lobby, if you forget yours at home.) Our special guests will be the Halton Mississauga Youth Orchestra. The skills of these wonderful young performers might inspire your children to ask for music lessons so that they too can aspire to play on the stage of Hammerson Hall one day. To further that inspiration, our annual Long & McQuade Petting Zoo will be in the lobby before and after the concert. Your children can try to blow or bow the instruments that call out to them. Parents are welcome to try as well – it is never too late to learn to play an instrument! If you want to purchase some unique gifts, multi-talented orchestra players will once again be selling their arts and crafts in the lobby – everything from jewellery to weaving, photographs to paintings, woodwork pieces to little stocking stuffers. So join us for a concert of happy holiday sounds that will gladden your hearts, reminding you of the magic of the season.


MISSISSAUGA SOUTH BUSINESS EXCELLENCE AWARD 2013 On October 16th 2014, UV Couture Inc. won their first award for business excellence at the second annual Stars of Mississauga South Awards presented by Minister of Finance Charles Sousa who partnered with the Port Credit and Clarkson BIA’s. The event was also attended by the Mississauga Mayor Hazel McCallion. The evening was a tremendous success, bringing together small businesses from all across Mississauga South, celebrating their strong work ethic and dedication to the local community. This year there were eight different categories, with well over 100 nominees who were honoured. UV Couture are of course very proud and honoured to have been granted this award and would like to thank Toby Gardiner, President of RJ Entertainment Publishing for sponsoring this nomination. “This is an amazing accomplishment in our first year of business, and we are extremely honoured to receive such a prestigious award” said Heather McCartney, President UV Couture Inc.

Charles Sousa, MPP Mississauga South

Happy Holidays Constituency Office: 120 Lakeshore Road West, Unit 1 & 2 Mississauga, Ontario L5H 1E8 T: 905-274-8228 | F: 905-274-8552 6


Star Of Mississauga South Awards Ceremony Honours Local Entrepreneurs In a ceremony on Thursday, October 16th at Lakeshore Convention Center, Mississauga South MPP Charles Sousa, the Port Credit BIA and the Clarkson BIA awarded outstanding local small businesses. Winners of the second annual Star of Mississauga South Awards were recognized for their accomplishments and contributions to the community. Ward 1 Councillor Jim Tovey and Ward 2 Councillor Pat Mullin were also on hand for the celebrations. Members of the public nominated their favourite local small business. Nominations were reviewed by an independent community panel, including Mississauga Board of Trade, City of Mississauga Business Enterprise Centre, and the General Manager of the Streetsville BIA. Congratulations to the Star of Mississauga South Winners in the following categories: Go Green Business Excellence – Karma Fine Furniture Consignment; Community Impact Excellence – Aielli Ristorante; Service Excellence – The Pilates Body Studio; Hospitality Excellence – Michael’s Back Door Restaurant; Rising ‘Star’ – Sweet Angel Chocolates; Networking Excellence/ MBOT Business Connector – Parsons Interior/ Jackie Connolly; Home-Based Business Excellence- UV Couture Inc. ; Business Person of the Year - Theresa Baird.


To resolutions that last … Happy New Year! Whether you’ve got one, or 99, we wish you the drive and resolve to get to a better state. Get State Farm®. CALL ME TODAY.

Alice R Fahey Ins Agcy Inc Alice Fahey, Agent 1715 Lakeshore Rd W Unit 103 Mississauga, ON L5J 1J4 Bus: 905-403-1500


State Farm, Canadian Head Office, Aurora, Ontario

Holiday open House Tuesday, December 10th 1:00pm - 3:00pm Enjoy a performace by the Mentor College Choir at 1pm & a cookie baking demo at 2pm. RSVP to Lisa by December 9th as seats are limited!

Want to take a vacation from winter without needing a passport? Try a Winter Guest Stay at your neighbourhood Chartwell retirement residence! Chartwell’s Winter Guest Stay program is designed to offer short-term accommodation with the level of support you need. This includes a relaxed environment, nutritious dining, and on-site activities and services. Come explore peace of mind retirement living without a commitment, and leave the shovelling to someone else this winter. We have a furnished suite waiting for you.


29 Mississauga Rd. North Mississauga (Port Credit)

Call 905-891-2422



COMMUNITY CORNER Clarkson Community Centre Room Dedication The City of Mississauga honoured Margaret Marland, former Ward 2 Councillor of the City of Mississauga by dedicating a room at the Clarkson Community Centre on November 5th. For more than 28 years, Margaret served as Ward 2 City Councillor, elected Member of Provincial Parliament for Mississauga South as Deputy House Leader, Chair of Caucus and Cabinet Minister without Portfolio. She also holds the distinction of being the first female Member of Provincial Parliament elected in Peel and the first female Member of Parliament and Cabinet Minister elected in Mississauga.

Halloween Fun Fest The Halloween Fun Fest attracted more than 500 excited costumed participants. Despite the gloomy weather, business owners dressed up to hand out treats to the children who had come from the goodies and the many activities from crafts, to cookie decorating, pony rides and reptile exhibit.

Holiday Social at Lorne Park Library Drop by for an afternoon filled with seasonal entertainment and delightful refreshments on Friday, December 13th. This event will take place from 2 – 4 pm at Lorne Park Library, 1474 Truscott Dr. Museums of Mississauga Upcoming Special Events Reservations are required and can be made by calling the Museums, Monday to Friday 8:30 a.m. to 4:30 p.m. at 905-615-4860, ext. 2110. Inquiries can be made via email at Please note payment is required at time of booking to reserve your spot. Afternoon Tea • December 15 Time: 2:30 to 4:30 p.m. Gift Certificates are also available for purchase Come and spend an afternoon. Enjoying a tour of the Bradley Museum followed by a traditional afternoon tea in our cozy log cabin. $15.00 (plus tax)


Mississauga Santa Claus Parade supports Toy For Tots campaign

Ask Marsha from Comfort Keepers

Dear Marsha, During a recent visit with my mother I noticed that she was not acting as sharply as she has in the past. Her dishes were piled up in the sink, her laundry basket was overflowing and I also heard from our family doctor that she had missed her last appointment. I would like to assist my mom with these tasks but my schedule is full. How do I begin the conversation of talking to my mom about having one of your caregiver’s assist with her needs? Ann from Mississauga

The Mississauga Santa Claus Parade was excited to announce that they were working with its lead sponsor, Enersource Corporation to collect toys for the Toys for Tots Campaign along with Peel Regional Police.

Dear Ann, Ideally, the best time to start this conversation with your mother is when you can bring a calm, compassionate perspective to the matter. Be sure to offer her the advantages of having a caregiver such as: keeping a clean and organized home and always being on time for appointments. You may have to give your mother specific reasons for your concerns and declare honestly that worrying about her is adding stress to your own life. Once both of you reach an understanding after hearing each other’s point of view, you can begin to discuss strategies. Often, homecare is a wise choice for many seniors and the most appealing approach to start. Many seniors want to remain in their own homes and maintain a familiar lifestyle for as long as possible. Marsha- Comfort Keepers During the Mississauga Santa Claus parade spectators were asked to bring a new, unwrapped toy that were collected at two designated booths during the parade. A cheque for $1000 was also presented during a small ceremony at Enersource.

Dear Marsha, My siblings and I have discussed the possibility of having a caregiver come and look after our father. Our father is receptive to the assistance because he has found it difficult to prepare meals and take care of the house since our mother suddenly passed away. However, we are all concerned about having a stranger come into his home amidst his valuable possessions and handle some of his personal belongings. How can we be certain that nothing will go missing? “Skeptical” In Port Credit

The Toys For Tots campaign runs until December 24th and new, unwrapped toys can be dropped off at any Peel Regional Police Division.

Dear Skeptical In Port Credit, Please be assured that when you choose Comfort Keeper’s to assist your father all of our caregivers are carefully screened, bonded, insured and covered by Worker’s Compensation for our clients’ protection. From in depth background checks to comprehensive training, we strive to offer the best possible Comfort Keepers for any specific individual or situation. Each caregiver must undergo a rigorous process including: national & local criminal background checks; driver’s checks; personal & professional reference checks. We strive to hire the very best caregivers to become Comfort Keepers because we only hire people we would want caring for our own loved ones. Marsha- Comfort Keepers We invite you to submit any questions you may have concerning ‘taking care of a loved one or senior issues’ to If you need more information on our services, please call us at 905-813-3074. Marsha Schofield, B.A. Gerontology and the Business Development Manager for Comfort Keepers East & Central.


port credit

erin mills

port mcnicoll

All the work has be done in this lovely 3 bedroom renovated detached home. It’s a great place to watch the children grow up. Bonus finished lower suite with kichen, living, bedroom and bathroom.

Stairless, waterfront living. Stunning views of the Lake from almost all rooms in this unit. Gourmet kitchen with stainless steel appliances, pot lights and hardwood floors. If you love the water and entertaining, you will love living in this unit.

If houses could talk, this one would tell you it’s perfect for you. 3 bedroom, 3 bathroom home on a quiet court. Renovated ktichen, hardwood floors, crown moulding and a cozy fireplace are some of the great perks. $4500/mth



The choice is yours! Choose from a stunning custom built home or a vacant lot with Riparian Rights into the harbour on beautiful Georgian Bay. $1,629,000 $545,000 $699,000

Revolutionizing the Fitness Industry at R3 Evolution By: Nicole M. Forten The Holiday’s are fast approaching and after all the gift wrapping, holiday parties, and family feasts, it might just be the right time to start thinking about your New Years resolutions.

I know the New Year is still a couple of weeks away, but Mississauga’s newest fitness boutique studio, R3 Evolution is here to help you get a head start on your 2014 fitness goals. Introducing R3 Evolution, a boutique style fitness studio offering one-of-a-kind fitness classes. Led by founder Crystal Mallari and her team of motivational fitness instructors, R3 Evolution is revolutionizing the fitness industry with its premier small group exercise classes and small group personal training. Classes are designed to strengthen the body as well as the mind and spirit. Classes for women include: Bellyfit, Intensati, Pilates Fusion, Detox Flow Yoga and Core Yin Yoga. Men can join in on the fun with Zumba or test their strength and speed in Kickboxing, Boxing Boot Camp, Tabata Boot Camp and HIIT Circuit. Kids can get fit too with Kids Karate available every Tuesday and Thursday evening. Fitness classes are led by a team of fully certified, knowledgeable, and enthusiastic fitness professionals, who give their fullest attention to each individual. The studio’s small group structure help participants ensure proper form, technique and maximum results that can only be achieved in a small group setting. So how can R3 Evolution help you change your mindset from an “impossible” outlook toward health and fitness to an “I’M POSSIBLE!” attitude? R3 Evolution is more than your average “big box gym”. R3 Evolution is equipped with Personal Training, Nutrition Coaching and Life Coaching. All of which are tools available to help inspire and encourage you to revolutionize your health! Crystal is a Certified Personal Trainer; Adler trained Life Coach, Precision Nutrition Coach and Certified Group Fitness Instructor. With almost 10 years in the fitness industry, she knows first hand how discipline and consistency will guarantee achieving your personal fitness goals. After giving birth to her son, Crystal’s body fat was at an obese 33%. Through a combination of clean eating, resistance training and cardio, Crystal has lowered her body fat percentage to an athletic 18%. Crystal’s personal journey is inspirational. Visit R3Evolution on Facebook or or call 905 -608-2839 and start your health journey today! R3Evolution is located at 3065 Ridgeway Drive, Unit #50 in Mississauga.

“Become ‘awe-inspiring’. Be in awe of you. Awe is the sense of wonder and amazement that occurs when someone is inspired by great knowledge, beauty, sublimity, or might. It’s the experience of confronting something greater than you. Discovering your real self.” – Crystal Mallari & R3 Evolution


from your Mississauga South Ontario Progressive Conservative Candidate Effie Triantafilopoulos Email:



Authorized by the CFO of Mississauga South PC Riding Association

Season’s Greetings & Happy New Year


Michael’s Back Door raises Mo

For the month of November, inspired by friends stricken with cancer, the gentlemen at Michael’s Back Door grew mustaches in an effort to raise money and awareness to men’s health issues.

Thank you for our 2013 Stars of South Mississauga Business Excellence Award Nomination!

The restaurant created a special Movember Menu with proceeds going to Movember Charities supporting research, awareness and survivorship of men’s cancer and mental health across Canada and the globe. The response was very positive and all who participated have agreed they had fun growing the moustaches. The month long event was capped off by a special evening on Friday, November 29th. Over the years, Michael’s Back Door has always found a way to give back to the community. The popular event, Taste of Clarkson will run from January 6th – February 9th 2014. A fabulous three course dinner is available for only $29.95. Lunch is $21.95 for three courses and $16.95 for two courses. Make your reservations now.

jeff jones | 905.271.0929 | a w a r d

w i n ni ng

gr a phi c

Michael’s Back Door is located at 1715 Lakeshore Road West. For more information and to reserve a table, call 905-822-5751 or visit

de si g n



Darcy Michaels Mike Bullard


Frank Spadone


Chris Gibbs



Box Office: Ric’s Recollections, 257 Lakeshore Road E / Impressionable Gifts & Décor, 74 Lakeshore Rd. E


Ask the jewellery expert 1. What colour and types of gold are most popular? Up to the start of the 1990s, it was yellow gold that was the most popular colour, some with gold where usually diamonds were set. By the early 1990s platinum corporations started doing more and more advertising. Back then platinum was a much more expensive metal than gold, so the trend started to go into white gold. More and more white gold came into jewellery because it had the closest look to platinum. 2. What are popular trends in ring design? The popular trends in ring designs are the halo style with small diamonds and center diamonds micro style setting where you see more of diamonds very closely set next to each other. This has been a popular trend for some time. Yellow diamonds are more and more in demand as fancy colour, because next to white diamonds they are comparable in price than other fancy colour diamonds. Also, modern mixed with antique looking styles with lots of small diamonds are more and more popular, in my thinking, pearls will be coming in to the trend by next year. 3. Is custom design more expensive than buying off the shelf? Yes, custom designs will cost more because is not a mass production and it is special made. There is the time of designing and the extra work and we should not forget the talent that is needed. 4. Does Canada produce quality diamonds? Yes, Canada at the moment is the third largest diamond producing country in the world. Soon will be the second, once more mines are in operation that exist in North West Territories, Ontario and Quebec. 5. What does “VS-2 clarity, I colour, or better� mean? Diamond quality is introduced by the measurements on the inclusions. VVS means very, very slight inclusion, VS means very slight inclusion, SI means slight inclusion, I means inclusion and sometimes you can see the inclusion with naked eye. 6. Is it safe to shop on-line for jewellery? It is always better to find a local jeweller who is knowledgeable that can help you with your questions and show you the diamond physically with the colour, cut and clarity or even all the other jewelley that can be plain gold or coloured gemstones. 7. How should I clean my jewellery? Usually it is better to take your jewellery in to a jewellery store where they do the work in the premises, like a goldsmith or they have workshop. They can clean and polish your jewellery like new, which very few stores can provide that service. You can also buy a jewellery cleaning solution that can remove some dirt. 8. How do I find out ring size? The best way to find out is to go to your local jewellery store where they have ring sizer that measures the size of the finger. 9. How much should I spend on an engagement ring? An engagement ring can start anywhere from $900 for a smaller size diamonds that can be about quarter (0.25 Ct) and then the sky is the limit! It depends on the size, the colour, the quality and the cut. 10. Will white gold turn yellow or fade? White gold is made by using pure 24 Kt gold and a formula of alloy that will turn the colour in to white. There is also a Rhodium Plating done, which is the finishing touch of the white gold. This is a liquid solution that gives extra, bright white shine in jewellery. This plating will fade away if people are hard on their rings especially because of the markings that take place as we do our daily work, again more on rings, but it can be polished and rhodium plated again. Remember every piece of jewellery last forever and has a story behind. A diamond engagement rings and wedding bands are the beginning of the foundation that starts a life of a family together. There is a lot of sentimental value in jewellery that passes on from one generation to another generation. With the memories of their loved ones, this is why we should respect and appreciate the diamonds and gold jewellery with gemstones so that it lasts and shines forever and gives you the joy of the memories.


For all you questions, jewellery needs, or restyling of your jewellery, Vanig and the staff at Lorne Park Jewellers will be more than pleased to help you. Lorne Park Jewellers is located at 1107 Lorne Park Road. Call 905.891.0001 or visit

In support of Sponsor A Child A Special Evening “Light Hearted Roast” In Honor of our Beloved



THURSDAY, APRIL 10, 2014, 5:30 PM

(Doors Open for Cocktails & Networking)

LO CATIO N: Le Treport Banquet & Convention Hall, 1075 The Queensway East, Mississauga LIST OF PANEL INCLUDES: The Honourable Charles Sousa - MPP/Minister of Finance Cheif Jennifer Evans - Peel Regional Police Jake Dheer - Station Manager, Rogers Communications Inc. Ron Lenyk - CEO, The Living Arts Centre Ted Woloshyn - Toronto Star Columnist & Host, News Talk Radio 1010 TI C KETS: $93.00 Per Person or $930.00 for a Table of Ten

For tickets call the 905-891-0002 Reserved tables of 10 available.

Plus HST

Ticket Includes: 4 Course Dinner Door Prize Entertainment P R E S E NTE D BY

The Gratifying Harvest Journal Efficient Wealth Management has created a new coaching program called The Gratifying Harvest. The program helps you enjoy your future by carefully harvesting cash flow from your lifetime of savings or preparing you to do so. We thought a column devoted to this pleasing idea would be great. Spending Is Life! In our last Value for Money Investing, we wrote about the concept of Gamma. Gamma attempts to quantify the increase in investment returns from making “intelligent financial planning decisions” during retirement. One of the key “decisions” is having a dynamic withdrawal strategy. In simple terms, this is an adjustable plan for using the wealth represented by your investments. A common rule of thumb (and I just hate rules of thumb) is to use a withdrawal rate of 4% of the portfolio at start of retirement (a static approach). You then adjust this initial amount for inflation. A dynamic strategy would adjust based on market performance or expected investor longevity. Annually, you adjust your withdrawals to maintain portfolio survivability and changing mortality data.

We want our clients’ money to last as long as needed to support enjoying their lives to the fullest. Spending patterns are unique to all families and will never match the timing of the portfolio performance. Your trip to China may well coincide with the year after the poorest results experienced by the portfolio. Do you delay the trip until the portfolio rebounds, or do you go and then adjust for it in the future? Will you be more active in your 50`s and 60`s or should you delay your dreams until your 80`s when the funds will be more certainly be available? The pattern of your life may well dictate that you need to use your retirement funds more in your 50`s than in your 70`s, to say support early retirement. Government benefits kick in during your 60`s. Many of our clients have a declining withdrawal plan that starts high and finish low due to this. They are active as early seniors, but less active and less travelled as they age.

The above observations about using a dynamic withdrawal strategy are correct and we embrace them, but as set out, apply to research bunnies interested in dying having spent the later part of their life slaves to the different quantity of money (theoretically) available each year. The Gratifying Harvest notion. Our clients are people, not research bunnies. Thus their lifestyle needs, each and every year, will drive the future resultant portfolio survivability, not the other way around. The changing mortality data is for the population as a whole and my clients, being unique, will not die on that prescribed day. In other words, we need our money to last until we are done with it, which might not be when we die. We also need to use our money both unevenly and in a pattern very different than that prescribed by the research, to enjoy our life. So, in practice, we do annually examine the portfolio performance and our client`s withdrawals to retest portfolio survivability and changing mortality requirements.

So your portfolio survivability per the mortality tables is dependent on uneven performance patterns that require adjustment to the withdrawals being made. In contrast, your lifestyle needs dictate a withdrawal pattern that is unique to your family, uneven, ever changing and sometimes unforeseen. Our challenge is to assist clients in matching THEIR needs to THEIR portfolio to obtain the optimal balance between portfolio longevity, portfolio performance and enjoying life. Our clients are just like you. Middle class families, with hard earned and hard saved retirement assets, which are essential to the enjoyment of their lives each year. As an investment professional, I should be pleased to report, that in the last year their portfolio results were great and most achieved X% in their portfolios. But that is not important.

Advice For A Fee

tirement liabilityere

Increase your income through intelligent financial planning decisions.

The real proud moments came from their lives. We had clients visit China, cruise waterways in Russia, explore Africa, relax in the Greek Islands, and so many more places. Second homes were purchased in Florida, Mexico, and further afield. Clients moved to sunnier locales. Weddings were paid for. Children received help with home purchases. Universities were entered and left. Golf games improved. Sailboats, airplanes, RVs and fancy cars bought (no trains that I know of ). Life has been lived and FUNded. Merry Christmas and Happy Holidays from all of us at Efficient Wealth Management Inc.

Gordon is the Vice President – Financial Planning at Efficient Wealth Management Inc., a leader in cost efficient financial planning. He has taught at local colleges in both Financial Services and Accounting areas. He is also a frequent guest on television and has written numerous articles on investing and financial planning. See our ad “the Harvest is under way!” in this issue.

Gratifying Harvest is a dynamic withdrawal strategy Total wealth framework before Asset Allocation We encourage guaranteed income products  We design for the retirement liability Tax‐efficient portfolios

We are money coaches. We created a new coaching program called The Gratifying Harvest. The program helps you enjoy your future by carefully harvesting cash flow from your lifetime of savings or preparing you to do so. The Gratifying Harvest is an advanced program that takes everything to a much higher level and is only available from Efficient Wealth Management.


New Additions By Cheryl Chadwick

Two of the top Ultra All-Inclusive Resort chains have some new properties opening for your enjoyment. Expanding through the Caribbean, welcome to Sandals LaSource Grenada Resort & Spa where paradise comes to life. What was already picture perfect is being transformed into “The most alluring destination in the Caribbean”. An exotic, unspoiled hideaway, Sandals LaSource Grenada will offer guests a romantic, authentic Caribbean vacation while providing the Luxury Included amenities and exceptional service that has come to be associated with the Sandals Resorts experience. 3 Villages comprise 235 rooms and suites, 75 of which are professional butler suites and also the Ultra Luxurious Millionaire, Rondoval and Skypool suites. On property you will enjoy 3 pools plus 2 river pools, a state of the art fitness centre and spa and a choice of 9 restaurants including a Sandals first – a steakhouse. Known as the “Island of Spice”, Grenada is a mesmerizing island with some of the world’s most incredible natural wonders from stunning beaches and waterfalls to lush rainforests and pristine mountain lakes. Spice up your next vacation and experience it for yourself. At last, the long awaited Sandals Barbados Luxury Hotel & Spa has opened its doors. Barbados is home of exotic locales, a rich history and an extensive variety of sports and activities. With a spectacular landscape that offers outings and entertainment for nature lovers, club goers and adventurers alike, Barbados is a choice Caribbean destination. Features at Sandals Barbados include: unlimited premium drinks, gourmet dining, scuba, watersports, roundtrip airport transfers and accommodation in your choice of 5 room and suite categories. Escape to this gem and melt into the white sand beaches and turquoise waters by day and later partake in the lively nightlife of the St. Lawrence Gap. Sandals has promised to give Barbados a resort to be proud of. Try it out for your next getaway.

resort. Rock out at the beach or the fabulous pool area with swim up bar or indulge in a glorious spa day. The Hard Rock Cancun reflects a Mexican setting with a cosmopolitan flair and truly has something for everyone. Explore the lifestyle of a rock n’ roll star and escape to the legendary beaches of Riviera Nayarit, Mexico. Hard Rock Hotel Vallarta is a luxury all-inclusive resort 20 minutes from Nuevo Vallarta where you’re free to relax, eat, love and explore. With a spectacular beachfront setting and a fusion of traditional and modern design, this resort is the essence of coastal luxury and tranquility. Play, eat, retreat, bliss or celebrate. It’s all here for the taking. Come and enjoy.

Hard Rock Hotels are hitting the global map. Hard Rock is evolving into the most exciting, sophisticated and energetic entertainment and hospitality brand in the world. From exhilarating music to authentic memorabilia, innovative signature restaurants and brilliant public spaces, Hard Rock is redefining what a luxury destination experience can be.

And now, the new addition…. The Hard Rock Hotel Riviera Maya, where Paradise comes to Play! This is a 1264 room hotel and is where luxury meets satisfaction. Stunning tropical views, a private white sand beach and exclusive saltwater snorkeling areas make this something special. It’s all capped off with an inviting traditional design and legendary Hard Rock hospitality.

Thrilling gaming action in the biggest and best casino around, tantalizing culinary options, 15 pools, 9 restaurants , a Nicklaus designed golf course, and an astonishing spa all lovingly cradled by the most gorgeous beaches in the Caribbean…you’ve just uncovered the Hard Rock Hotel & Casino Punta Cana. It’s time to see the show!

Live large at the main hotel or hit Heaven – an elevated and exclusive retreat for adult guests only featuring a private adult beach, fabulous amenities, and fine dining at its best. Kick it into high gear and experience 9 restaurants, 9 bars & lounges, 6 pools and a waterslide. Regroup at the Yoga temple or pump it up in the Body Rock Fitness club. Enjoy tennis, bikes, kayaks and a climbing wall. All rooms come with a hammock and private balcony or terrace. Rock on!!!

Take a short flight to the luxury beachfront playground with glamorous amenities rock star style. You’ve found the unique Hard Rock Hotel Cancun. There are no limits when it comes to luxury dining, entertainment and activities while staying at this

We look forward to helping you select the next addition to your vacation hit list. Stop by for a brochure and let’s get planning. From all of us at Chadwick’s Travel to all of you, thank you for your business. Enjoy a Merry Christmas and a New Year filled with rewarding travels.


Clarkson 1213 e  
Clarkson 1213 e