WE CAN HELP YOU FROM START TO FINISH Concept Kitchen & Bath specializes in design, supply and installation of mid to high-end kitchens and bathrooms including custom cabinetry. We also offer a wide array of products such as boutique and designer fixtures that specifically cater to your renovation needs. Be sure to stop by our showroom and speak with our knowledgeable staff regarding your renovation needs.
1515 NORTH SERVICE ROAD, UNIT A BURLINGTON, ON • 905 335 0808
concept k an d b.c om SUN Noon to 5:00p • MON to WED 10:00a to 7:00p • THURS to FRI 10:00a to 8:00p • SAT 9:30a to 6:00p
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Bringing the BEST Service & Quality to You!
VISIT OUR SHOWROOM
We carry a full line of floor and wall products
Ceramic Tiles • Laminate Flooring • Hardwood Floors • Mannington Vinyl Luxury Vinyl Flooring • Carpet Remnants • Peerless Carpets • Shaw Carpets Serving Our Community Since 1980
845 Main Street East, Milton
905.878.4280 www.floorsbycomfi.com
20/20
Winter Specials
Affordable Quality & Service
20%OFF Window Installation 20%OFF Triple Glass on Window 20%OFF Window Exterior Colour 20%OFF Storm Doors 20%OFF Door Installation 20%OFF Any Door Glass 20%OFF Woodgrain Fiberglass 20%OFF Smooth Fiberglass Doors 20%OFF Door Locks This offer not valid with any other offer.
905-333-9658 1-877-778-7703
brantwindows@brantwindows.com Energy Star Certified Windows & Door Lifetime Warranty
5205 Harvester Road, Unit 3, Burlington, ON L7L 6B5
brantwindows.com COMMUNITYCAPTURED.CA •
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HALTON
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CAPTURED CALENDAR OF EVENTS
COMMUNITY Q&A:
WENDY SCHAU TOP 5: SPRING BREAK PLANS SCHOOL LIFE
BURLINGTON'S ROBBIE BURNS ROAD RACE FOSTER A FUTURE GUIDE DOG COLDEST NIGHT OF THE YEAR LAUNCH PARTY THE PRINCESS BALL THE WINE LADIES
PRESIDENT
James BAKER
james@thnmedia.com C R E AT I V E D I R E C T O R
Jason STACEY
jason@thnmedia.com ADVERTISING SALES
David JOUBARNE
david@thnmedia.com
Karen KINCH
Karen@thnmedia.com C R E AT I V E P R O D U C T I O N
Dereck ADDIE
dereck@thnmedia.com
Tim FRANKIW
tim@thnmedia.com
Casey ELOGIO
casey@thnmedia.com WEB DESIGNER
Vaughn JOSEPH vaughn@thnmedia.com COMMUNITY AMBASSADOR
Susan GIBBINS susan@thnmedia.com A D M I N I S T R AT I O N
Diana LYNAS
diana@thnmedia.com PHOTOGRAPHERS
Susan GIBBINS Leslie STYLES David JOUBARNE PRINTING
Best Choice Printing Community Captured Magazine is published and delivered 12 times per year to selected Homes and Businesses in Burlington, Oakville & Milton by Canada Post, agreement #41362062. Also available for pick up in key retail locations, including our advertisers establishments throughout the community.
THN MEDIA 2187 Dunwin Drive Mississauga, Ontario L5L 1X2
Phone: 905.278.1111 Toll Free: 855.355.8502 Fax: 905.608.9042 communitycaptured.ca
STAY CONNECTED! /communitycapturedmagazine DISCLAIMER: Every effort has been made to publish this magazine as accurately as possible; however errors and omissions can occur. THN Publications Inc., their employees, agents, representatives and vendors are not liable for any damages relating to errors or omissions in the editorials or advertising which may appear herein except where a specific charge has been made. In such cases THN Publications Inc. shall have limited liability only to the charge for such advertising or editorials.
4 •4 C•O MC OMMU MN IUTNYICTAYPCTAUPRTEUDR.ECDA. C A
Call Today for your FREE CONSULTATION
SPECIALIZING IN:
Full & Partial Dentures Services Dentures Over Implants Same Day Relines & Repairs Immediate Dentures & Soft Liners All Insurance Plans Accepted Serving Burlington & Surrounding Area “Smiling again! The quality of work went over and above my expectations! Peter pays attention to small detail!” - S. Fellicetti/Burlington
OPEN Monday - Friday, Evenings Available
905-333-8181
www.burlingtondentureclinic.com | 546 Brant Street, Downtown Burlington, Across from No Frills - Free Parking in Back
JOIN ME FOR A SKATE ON
FAMILY DAY Family Day Fun Skate Aldershot Arena 494 Townsend Ave, Burlington
Monday, February 19 12:30-2:30pm Enjoy a complimentary cup of hot chocolate! All are welcome at this free community event.
Eleanor McMahon, MPP Burlington 472 Brock Avenue, Suite 104, Burlington, ON L7S 1N1 905-639-7924 | emcmahon.mpp.co@liberal.ola.org eleanormcmahon.onmpp.ca COMMUNITYCAPTURED.CA •
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01: Winter & Asher at the new Frog Exhibit at The Royal Botanical Gardens Centre. 02: Lucy & Shara, winners of Sutton Group Quantum Realty’s Cash Giveaway. 03: Cathy & Nadia at the new Frog Exhibit at The Royal Botanical Gardens Centre. 04: Sania & Madeleine at The Coldest Night of The Year Luanch Party. 05: Kathie at The Slocan Ramblers Workshop. 06: The Slocan Ramblers at their workshop.
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AD DRIAN H AIGH E NTU R E C E NTR E
Get answers to your denture questions • Protecting your health for years to come
MOVING FEBRUARY 26th TO SERVE YOU BETTER! COME VISIT US AT OUR NEW LOCATION AT 1433 ONTARIO STREET IN BURLINGTON
FREEMAN PROFESSIONAL BUILDING LOCATED IN THE HEART OF DOWNTOWN BURLINGTON
At the Adrian Haigh Denture Centre, we treat the person, not the symptom. We want to resolve the underlying issues that could be affecting the comfort, look and overall health of your mouth. At the first hint of discomfort, you should seek the advice of our denturist. Even a simple phone call can help you avoid days or even weeks of pain. And if your issue is interrupting your day-to-day activities, please call us immediately for an appointment.
DENTURES • DENTAL IMPLANTS • SOFT LINERS MOUTH GUARDS • TEETH WHITENING
CALL TODAY AND ASK US ABOUT OUR NEW LOCATION
1433 ONTARIO STREET, BURLINGTON 905.637.2357
WWW.BURLINGTONDENTURES.COM
FEBRUARY 19 Family Day – Check Town of Milton Website ∧ milton.ca
F EBR UAR Y
FEBRUARY 19 Family Skate Day at Aldershot Arena eleanormcmahon.onmpp.ca
FEBRUARY 19-21 Burlington Comedy Festival ∧ burlingtoncomedy.com
FEBRUARY 24 Coldest Night of the Year ∧ cnoy.org
FEBRUARY 24 The Ruby Gala in Halton ∧ haltonwomensplace.com
FEBRUARY 26-28 Milton Film Festival ∧ miltonfilmfest.com
MARCH 3-APRIL 1 Bronte Creek’s Annual Maple Syrup Festival visitoakville.com/events
MARCH 8 International Women’s Day Luncheon at Burlington Holiday Inn ∧ haltonwomensplace.com
MARCH 9
MARCH
MARCH 12-16 March Break - Check City of Milton Website ∧ milton.ca
MARCH 12-16 March Break - Check City of Burlington Website calendar.burlington.ca
MARCH 15 Wannabe - FirstOntario Arts Centre Milton firstontarioartscentremilton.ca
MARCH 30 Good Friday Walk at Donovan Bailey Trail ∧ oakville.ca/events
MARCH 31 Easter Eggstravaganza 2018 at Bronte Heritage Waterfront Park oakville.ca/events
APRIL 1 Easter Festival at Springridge Farm ∧ springridgefarm.com
APRIL 8 Taking it to the Streets Kids Workshop at the Burlington Library bpl.on.ca
APRIL
COMMUNITY EVENTS
Italian Canadian Comedy Night in support of Halton Women’s Place ∧ iccm.ca
APRIL 13 Milton Chamber of Commerce Community Awards miltonchamber.ca
APRIL 15 Lego Club Mystery at the Ireland House Museum burlington.ca
GO TO COMMUNITYCAPTURED.CA For more upcoming events!
01
GETTING INTO
THE FROGS SPIRIT @ THE RBG CENTRE
The new exhibit "Frogs: A Chorus of Colours,” presented by CHCH, opened on January 20th, at The Royal Botanical Gardens Centre. This ribbiting presentation features over 100 frogs from all over the world. During opening weekend, visitors of all ages learned that frogs can live almost anywhere and come in an impressive display of colours, shapes and sizes. Various snakes, fish and turtles were also exhibited. Come and check out the Frogs until April 15th! 01: Jade & Jordan with mom Lisa. COMMUNITYCAPTURED.CA •
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PROFILE
WITH WENDY SCHAU WHO ARE YOU? NAME: Wendy Schau BIRTHPLACE: Worcester, England WHERE DO YOU LIVE: Milton CAREER: Teacher with the Halton District School Board for 34 years & Local Councillor, Ward 4, Town of Milton 2003-2010
TELL US ABOUT YOUR FAMILY: I’m blessed with a wonderful family. I’ve been married for 45 happy years to my husband, Bruce. We have three grown-up children and three grandchildren. They all live close by, either in Milton or Oakville, which is great!
WHAT’S YOUR FAVOURITE VACATION SPOT? England, because I have several relatives there who I love to visit and the countryside is so beautiful. Italy is a close second, though.
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WHAT IS ONE THING THAT VERY FEW PEOPLE WOULD KNOW ABOUT YOU? That I was once a Raging Granny. For a few years in the late’90s, I belonged to a protest group where we would dress up as comical old ladies and sing satirical songs, in opposition to the cutbacks in health and education that were happening then.
WHO OR WHAT INSPIRES YOU? What inspires me are all the great people in our community who give their time and energy to make and keep Milton the fine place to live that it is. Too many to name.
WHAT BRINGS YOU THE GREATEST JOY OR SATISFACTION? My family comes first and after that my volunteer work with Milton Transitional Housing. It’s so terrific to see individuals and families who have come to us in housing crisis, rebuild their lives and move on to safe, affordable homes of their own.
WHAT ARE YOUR GREATEST ACHIEVEMENTS?
WHAT IS YOUR ALL TIME FAVOURITE MOVIE?
All the things I would call my greatest achievements were done along with other people, so they are shared, not just mine. First on my list is chairing the committee that oversaw the building of the Milton Centre for the Arts and leading the fundraising campaign in support of it. I was honoured to be named Citizen of the Year for 2011. Second would be my housing work, helping facilitate the first Habitat for Humanity build in Milton and serving on the board of Milton Transitional Housing as it prevents homelessness for local people.
Love Actually is my favourite movie.
WHAT MAKES YOU LAUGH? Schitt’s Creek is a TV show that always makes me laugh.
IF YOU COULD POSSESS ONE SUPER-HUMAN POWER, WHAT WOULD IT BE? The ability to fly. I went up in a hot-air balloon once and I would like to be able to float over the landscape like that whenever I wanted.
IF THE WHOLE COMMUNITY WERE LISTENING, WHAT WOULD YOU SAY TO THEM? Pay attention to what is happening in our community and help out where you can. Even though the need is not as apparent as in bigger places like Toronto, there are still people in our community who are having a hard time and need the help of organizations like Milton Transitional Housing.
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CC TOP 5
Top 5
SPRING BREAK PLANS 0I STAY HOME Staying home can be equally relaxing and rewarding. Binge watch the hottest Netflix show from your bed or get out and explore what your city has to offer.
02 TRAVEL FAR THAILAND
Use this time to explore everything the world has to offer. Travel to a new country completely outside your comfort zone. Places such as Dubai, Thailand, Indonesia and Vietnam have been rated extremely high in overall experience.
03 TRAVEL SOUTH Going south is the way to go if you need a bit of sun therapy. All-inclusive resorts mean you don’t have to worry about anything and can completely relax. The Dominican, Mexico, Cuba and Hawaii have some of the best resorts.
04 ROAD TRIP Grab your friends, your dog and lots of snacks, you’re going to need them on a road trip. Quebec City, the Icefields in Alberta, Prince Edward Island are all worth the stunning drive.
05 TRAVEL CANADA We often forget how beautiful Canada is, so pack your camera and go out and enjoy it. Stay close by visiting Ontario provincial parks or experience another province. You won’t be disappointed. LAKE MORAINE, BANFF NATIONAL PARK
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School Life
GARY ALLAN
HIGH SCHOOL December and January have been marked with the energetic completion of lots of course work and focusing on the completion of credits before the end of the semester. In December, our Alternative students went on a field trip to see the new Star Wars movie and the teachers have created several engaging activities to connect the movie to curriculum expectations. Our self paced adult online program has focused on goal setting and possibly completing credits before the end of the semester. College and University applications are now in, and students are anxiously awaiting news of their acceptances.
As February gets started, we are looking at getting a new group of students started on their way to complete credits and continuing with current students. Many of these students are preparing for post secondary, while others are working towards completing their diploma, or upgrading their skills for the workplace. Gary Allan provides opportunities for students of all ages to complete credits towards the attainment of their goals and to further them along their chosen pathway. Anyone interested in more information about our programs, or how to register should visit our school: Website: www.garyallan.ca Facebook: facebook.com/GaryAllanSchool Follow us on Twitter: twitter.com/garyallanschool
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NEW YEAR’S
LEVEE Article by: Leslie Styles
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On January 7th, MPP Eleanor McMahon and MP Karina Gould co-hosted the 3rd Annual New Year’s Levee at the Burlington Art Gallery. At this reception, Burlington citizens had the opportunity to enter the gallery free of charge, appreciate local artists at work and visit the crafts room and gift shop. McMahon and Gould were very accessible to answer individual questions and wished everyone a happy 2018!
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01: MPP Eleanor McMahon with Artists Vanessa & Donna. 02: Talented Artist Vanessa. 03: Layla, Gabe & Lawrence. 04: Linda & Julia.
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MOVIE REVIEW
elf named Leilah (Naoomi Rapace) who intends to use its powers to resurrect the Dark Lord, who will cause death and destruction and enslave anyone who survives. Now it's up to Ward and Jakoby to figure out what to do with the ancient relic, which isn’t easy when there's no one they can trust.
BY BRANDON REID etflix's newest and most expensive movie to date, Bright, takes place in an alternate Los Angeles where orcs, elves, fairies and humans all co-exist and have co-existed since the beginning of time. Now if this makes you think that this will be an in-depth epic like Lord of the Rings or The Hobbit, your expectations will be crushed. Think more contained old school buddy-cop film mixed with fairytale situations and that's exactly what Bright is. But be warned, this isn't your kids fairytale. There's coarse language, blood, violence, brief nudity and did I mention coarse language? Directed by David Ayer (End of Watch, Suicide Squad) with a screenplay by Max Landis (Chronicle, Victor Frankenstein) Bright follows Officer Scott Ward (Will Smith) and his partner, Nick Jakoby (Joel Edgerton) who is the first orc police officer and hated by both orcs and humans, as they embark on a routine patrol only to run into a quiet, scared elf named Tikka (Lucy Fry) who is in possession of a magic wand; an ancient relic that is very rare and can only be touched by a select few that are called “brights.” If someone other than a bright touches the wand, they pretty much go boom. We soon find out that the wand belongs to a more powerful dark
CAPTURINGBETTERPH TOS SMARTPHONE/POINT AND SHOOT/ DIGITAL SLR. NO MATTER WHAT DEVICE YOU USE TO TAKE PHOTOS, WHAT LOOKS FINE ON THE DEVICE MAY LEAVE YOU DISAPPOINTED WHEN YOU WANT TO MAKE THAT SPECIAL IMAGE
The effects are well done, the action is solid, the humour between Will Smith and Joel Edgerton is fantastic and the story leaves enough unanswered questions to leave you wanting more (did somebody say sequel?). Not the best movie of 2017 by any means but if you were as disappointed with Suicide Squad as I was, David Ayer totally redeems himself with Bright.
BRANDON REID - A punk rocking, movie reviewing, podcasting pizza lover who spends most of his time nerding out in one way or another. He wishes he was Batman on a daily basis and enjoys losing himself in a good sci-fi/horror novel, movie or video game. e: redonyoupod@gmail.com • theredonyoupod.podbean.com
By Peeter Poldre, Photographer Always learning and striving to CAPTURE the next great photo!
FRAMING IN CAMERA
raming a subject in the camera is the deliberate effort by the photographer to include a “frame” for the subject. The photographer includes a frame by backing up or zooming out, but framing can also be done at the editing stage if the image has sufficient size and resolution to allow cropping. A frame brings attention to the subject and adds context. Frames can be naturally occurring (1) or man-made, such as arches or doorways (2). The frame itself can be in silhouette (3). Not all frames have to completely surround the subject (4). Tree branches are common frames for landscapes (5). Unusual frames can provide context for portraits (6).
INTO AN ENLARGEMENT, A POSTER OR A SCREEN-SAVER. EACH MONTH,
THIS COLUMN WILL AIM TO PROVIDE
UNDERSTANDABLE, PRACTICAL,
LARGELY NON-TECHNICAL ADVICE TO
HELP YOU MAKE BETTER PHOTOS.
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SYNCHRO
CAPERS Article by: Leslie Styles
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On January 27th & 28th, Oakville’s Sixteen Mile Sports Complex was filled with synchronized skaters. The Synchro Capers Invitational Competition, hosted by Oakville’s EDGE and Skate Ontario, had over 100 teams attending from all over the province. The community was invited to witness this exciting event as teams performed impressive feats in unison to music. Oakville’s EDGE teams and Burlington’s Nexxice teams, known for their smoothness and skillful artistry on ice, proudly strutted their stuff.
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01: Burlington Intermediates patiently waiting for their results. 02: Dorchester Dragonflies. 03: Oakville’s EDGE Beginner 2 Category. 04: Oakville EDGE Intermediate Team.
HOLIDAY TRADITIONS
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@ ROYAL BOTANICAL GARDENS Article by: Leslie Styles
Until January 7th, the Royal Botanical Gardens were all about trains. The Botanical Train was located indoors in the RBG Centre. There was a model train display built using seven tons of cedar strips, 3000 pounds of rock and a track that was 250 feet long. Miniature Canadian landmarks were featured throughout. The life size RBG Express was an outdoor ride-along train ride through a section of Hendrie Park. The Escarpment Train Exhibit illustrated three various eras of railroad history; steam engines of the late 1800s, streamliners of the 1930s and modern diesels of the 1960s up to the present.
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01: Andrew & Shehnila with Zach. 02: Drivers Joey & Marilyn. 03: Clive, Rich & Lisa with Charlotte & Chloe. 04: Ulrich & Krista.
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BURLINGTON’S
ROBBIE BURNS
ROAD RACE Article by: Leslie Styles
Sunny skies prevailed for Burlington Runners Club’s 39th Robbie Burns Road Race, on January 28th. Nearly 800 participated, running or walking the 8km loop, that began and ended at Central High School. Proceeds benefitted Canadian Tire’s Jumpstart program. Many wore kilts and Scottish gear in order to be eligible for the Best Costume award. Champions of this year’s race were Blair Morgan and Victoria Coates. The awards ceremony took place post-race, at the school.
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01:Lora, Stephanie, Bryan & Shierel. 02: Cameron & Bill. 03: Allison, Patti & Sue. 04: Chris. 05: Celine & Doug. 06: David & Eileen. 07: Tiana, Jo, Trish, Sharon, Stephanie & Izzie.
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FOSTER A FUTURE
DOG GUIDE L Article by: Sue London
ions Foundation of Canada Dog Guides was founded in 1983 by Lions clubs from across Canada. It offers six programs to meet diverse needs: Canine Vision Dog Guides, Hearing Ear Dog Guides, Service Dog Guides, Seizure Response Dog Guides, Autism Assistance Dog Guides and Diabetic Alert Dog Guides. To date, the foundation has matched Dog Guides with more than 2,500 Canadians. A Dog Guide costs approximately $25,000 to raise and train but none of that cost is passed on to qualifying applicants. There are a few beginning steps to becoming a dog guide in the Foster Puppy Program: • Puppies are bred at the Lions Foundation’s facility in Breslau, Ontario. At approximately eight weeks of age, puppies are placed in foster homes until they return for formal training, which is usually around one year of age.
• Foster families house-train the puppies, teach them manners, basic obedience, and socialize them to things like offices, shopping malls and public transportation. • Foster families attend puppy classes in Oakville and Breslau every four to six weeks throughout the one year commitment.
• After graduation, follow-up visits and communication between the graduate and the training staff is maintained to ensure on-going success.
• Veterinary care is provided at the Lions Foundation’s in-house clinic. Food is donated and the Lions Foundation provides veterinary care.
• A working Dog Guide is permitted in all public places. The dogs have been trained to travel on all forms of public transportation.
• The puppies are screened for both physical soundness as well as temperament before entering the training program.
• The Dog Guide’s attention must be on its handler at all times therefore people are not permitted to pet a Dog Guide while it is in harness.
• After a dog completes the four to six-month training program, a successful applicant comes to stay at the Oakville training facility for one to four weeks, to work with their new Dog Guide and establish the bond that is necessary for the team to succeed.
There are a shortage of foster parents. Can you help out? For more information, please visit dogguides.com/foster.html and walkfordogguides.com
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COLDEST NIGHT OF THE YEAR
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LAUNCH PARTY On January 20th, Milton Transitional Housing hosted Milton’s CNOY Launch Party at the Milton Sports Centre. This free family favourite event had snacks, face painting, all sorts of snowflakes crafts and indoor snowball games. It was a chance to learn what the walk is, why we do it and how you and your family can become involved. Many people registered for the walk as well as some signed up to volunteer. This popular event is in support of ending homelessness. Don’t miss this year’s walk on February 24th.
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01: Margot, Indira, Liz & Audrey. 02: Eric & Hannah. 03: Madeleine with the snowman. 04: Kamy & Wendy. 05: Sarah & Katherine. 06: Indira & Mackenzie decorating a snowman. 07: Nancy, Mackenzie & Barb.
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THE PRINCESS
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On Saturday January 27th, The Princess Ball was held at Le Treport Wedding and Convention Centre. It was a magical afternoon for the whole family, as little Princesses and Princes dressed up and attended a real royal ball. There was a selfie booth, all sorts of craft tables, face painting, special royal treats, a magic show, story time and the Fairy Tale Princesses sang and danceed with everyone. The afternoon provided an opportunity to make a difference for those living with Cystic Fibrosis.
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01: Bonnie Crombie with Crown Princess Sophie & her mom Katie & Jeff Beach with his family Colleen, Eleanor & Lily. 02: Chioma Osamusail, Miss Tourism Metropolitan ‘16 with volunteers. 03: Crown Princess Sophie with her mom Katie. 04: Oakville Academy Dance Performers. 05: Prince Li Rong. 06: Little Princess Madelynn with her Fairy Tale Friends. 07: Princess Matilda with her mom Deborah.
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Dear The Wine Ladies,
ASK
At a recent dinner party I attended the hostess noticed a small amount of sediment that looked like tiny pieces of glass at the bottom of one of the white wine bottles from Germany. I was a little hesitant to drink the wine but one of the guests assured us the wine was fine and there was no cause to worry. What were those little pebble-like stones and are they really harmless? - Jackie
THE WINE LADIES Q&A acid is the major component of this sediment. The presence of tartaric acid, along with malic acid, are very important in winemaking as they help provide good structure, fruit flavors, crispness on the palate and an increased lifespan of the wine.
Dear Jackie,
Those pebble-like stones you are describing are commonly referred to as ‘WINE DIAMONDS’ or weinstein, which literally translates to “wine stones’ in German speaking countries. What exactly are they and how did they end up at the bottom of the bottle? These wine diamonds are actually harmless crystalline deposits that naturally separate from wines during fermentation and aging. Potassium acid tartrate, the potassium salt of tartaric
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The majority of winemakers today recognize that the consumer is alarmed or put off by the presence of these crystalline deposits even though they are harmless. Rather than educating the public, many wineries employ a process called ‘Cold Stabilization’ prior to bottling. This involves chilling the wine to just below zero degrees, causing the potassium bitartrate to crystallize. The wine is then filtered and bottled. Having the wine undergo this process prior to leaving the winery assures a clean filtered wine with no sediment. In cases where the wines do not undergo cold stabilization at the winery, this precipitation of the tartrates could happen during cold weather transport or cold storage conditions in one’s cellar.
thewineladies.com
DIFFERENT KINDS OF
RRSPS
The concept is simple. If you put some of your income into a Registered Retirement Savings Plan (RRSP), it grows tax-free until you take it out. The purpose of an RRSP is to encourage you to save for your retirement by decreasing your taxable income and deferring tax payments on your investments until retirement. Below are the common types of retirement savings plans that are available. Individual RRSP The Individual RRSP is the most common type of RRSP and is registered in the name of the contributor. The contributor makes payments to the plan and then this amount is deducted from their personal income at tax time to reduce their taxable income. When funds are withdrawn from this plan - actually, it would be transferred to a Registered Retirement Income Fund (RRIF) first - the money is taxable. The contributor owns the funds accumulating in the plan. Spousal RRSP The Spousal RRSP is designed to assist couples with unequal savings or income. Commonly known as income splitting, it shifts some household retirement savings from the spouse with the higher income and tax rate to the spouse with the lower income and tax rate. The higher tax bracket partner (contributor) puts money in a plan under the lower tax bracket partner’s (annuitant) name. The contributor receives the tax deduction, but the money belongs to the annuitant who controls the investment decisions.
YOUR DREAMS. YOUR LIFE. SIMPLIFIED.
Accompanying you through every stage of your life. A house, a baby, a career change, retirement: your financial needs change over time. At every stage we help you protect your financial health and assets. Planning for the possibility of death can alleviate many worries and protect what really counts: the well being and future plans for your loved ones.
Let me show you how. Contact me for a personalised consultation.
Group RRSP Group RRSPs are offered through many employers and are a group of personal RRSPs that are administered by the employer’s financial institution on behalf of its employees. The employer arranges to have payroll deductions for employees in the Group RRSP. The advantage here is that their tax income is immediately reduced rather than waiting at tax time. An employer can also contribute to the plan on behalf of the employee. If you have any questions about retirement plans or investment strategies, please feel free to contact me at (905) 276-9456 ext 3009. *This article is for general information purposes only and should not be construed as insurance, investment or tax advice. The information contained herein is based on sources and materials believed to be reliable, but are not guaranteed.
BECAUSE TOGETHER, EVERYTHING IS POSSIBLE.
JOHN BARRETT, CFP® Life and Health Insurance Advisor Investment Fund Advisor* 5070 Dixie Road, Mississauga, ON L4W 1C9 Phone: 905-276-9456 | Fax: 905-276-4964 Toll free: 1 866-306-2676 john.barrett@dfsin.ca | dfsin.ca
*
® Registered trademark owned by Desjardins Financial Security Life Assurance Company
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