legacy giving guide - 2013

your guide tointelligent philanthropy

Vol.2 No.2 May 2013 Philanthropy Issue

Why Leave a Legacy ..........................4Naming a Charity inYour Will has Many Benefits ............7Some Great Giving Options ..............8Benefits of Leaving aGift of Life Insurance ........................10Charitable Trusts ..............................11“What If I don’t Have a Will” ............11

Gifts of Property ..............................14

Giving is Supported by Legislation ..15

Why Your Will is Important ..............12

You Don’t Need A Million Dollars ....12

Building Better Business

by Generosity ....................................13

Charitable Directory ..........................14

LEAVE A LEGACY™ WATERLOO-WELLINGTON

GIVEGENEROUSLY

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 3 | 3

Leave a Legacy Chair Message Advocis President Message

This publication is a collaborative effort between the GoldenTriangle chapter of Advocis (The Financial Advisors Associationof Canada), the Waterloo-Wellington LEAVE A LEGACYTM , aprogram of the Canadian Association of Gift Planners (CAGP-ACPDPTM) and Exchange Magazine for Enterprise,Entrepreneurhip, Economic Development and Education, toprovide valuable information to the readers on planned giftingand charitable giving.Advocis is the Financial Advisors Association of Canada, and

the largest volunteer association of its’ kind in Canada.Nationally, Advocis has more than 11,000 members located in40 chapters; here in the Waterloo-Wellington area alone areclose to 400 active members to provide you with knowledgeand experience in making financial planning decisions.Advocis members have various specialties that include estateand retirement planning, wealth management, riskmanagement, and tax planning. Members are focused onunderstanding the financial goals that directly impactCanadians and their families, they adhere to an establishedprofessional code of conduct, standards of best practice, andcontinuing education programs - all while maintainingappropriate levels of professional liability insurance.

Should you choose to consider leaving a legacy, it isimportant to give inheritance planning the

attention it deserves. In dealing with theissue of how best to pass a lifetime ofaccumulated wealth on to the nextgeneration, a full discussion shouldtouch on the numerous strategiesavailable to Canadian families today.Leaving a legacy through charitablegifting involves taking the time tothink and plan intentionally abouthow a gift will be given, and forwhat purpose. It is certainly animportant consideration as tohow to deal with your capital, andhow you may wish to redistributeyour wealth into the community to

support the work that is importantto you.

When you leave a gift to a charity or not-for-profitorganization in your Will or estate plan, you areguaranteeing that your gift will play an important role in acause or organization you believe in, and you ensure yourassets will continue to help others into the future. Withouta Will, your property and finances are settled according tofederal and provincial laws, which may not coincide withyour wishes.With the trend of governments cutting funding, charities

need your support more than ever. This can leave you withsome tough decisions. LEAVE A LEGACYTM is a nationalpublic awareness program that encourages Canadians fromall walks of life to make gifts through a Will, life insuranceor other gift planning instrument to the charitableorganizations of their choice. By doing so, you help not-for-profit and charitable organizations sector continue to playtheir absolutely essential roles in your community.The Waterloo-Wellington LEAVE A LEGACYTM program

works hand in hand with professional advisors inWill and estate planning, as well as with charities,to encourage well planned and managed giving.Across Canada there are 23 local LEAVE ALEGACYTM committees that oversee the work ofeducating the public. This grassrootscollaborative effort includes localcharitable organizations, professionalestate and financial planningorganizations, financial institutions,community foundations, otherfunders and the media which haveembraced the underlying principlesof philanthropy.The LEAVE A LEGACYTM programs

goal is to raise awareness of theimportance of thoughtful, well planned,tax preferred gifts and their impact on thequality of life for everyone in ourcommunities. You can Make a Difference inthe Lives that Follow with just a little planningtoday.

Darren Sweeney,

CFP, CHS Certified

Financial Planner® Professional

2013 LEAVE A LEGACY™

Waterloo-Wellington Chair

Patricia Ziegler,

MBA, FLMI, CHS, EPC,

ACS, ARA, AIAA

2013 Advocis Golden Triangle Chapter

President

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

The objective of the LEAVE A LEGACY program is toheighten awareness of the importance of thoughtful,well-planned, tax-preferred gifts and to underline their

impact on the quality of life for everyone in our communities.

This entire special publication is intended to answer thequestion, “Why leave a legacy?” and here are some highlights:

To enrich people’s lives:Each day, people are helped and lives are enriched by the

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

Canadians give to charities and not-for-profits for manydifferent reasons. For some, it is a way to ensure their memorylives on. For many, it’s a means to ensure that their favouritecharity is able to continue its important work. And for others,it represents a solution to the tax implications that come withthe transfer of one’s estate to surviving relatives.

To provide support:Our important charitable and not-for-profit organizations

rely on our help; financial assistance is essential to supportand sustain charitable work. Many people generously sharetheir money, time and energy with local not-for-profitorganizations. And yet many people seem unaware that byleaving a gift in their Will or estate plan to the charitablegroups of their choice, they can continue to help people inneed or promote a favourite cause.

We wish more funding were available for medical research,for homeless shelters, or for a treasured arts or musicprogram. Charitable organizations need financial assistancefrom people just like you, to continue their work. By making

bequests and otherplanned gifts, youcan continue to helporganizations thatare making animportant difference inyour community. What betterway to thank the people or organizationsthat have had an impact on your life, than to makea contribution from your estate through a bequest in your Will?To leave a memory:Choosing to leave a gift from the heart adds meaning,

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

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

planned gift can actually benefit your family after you’re gone.Together we can make a difference – the difference, thesedays, is that you can impact the causes you care about byincluding them in your Will or estate plan.To contribute to the future:Personal philanthropy can ensure the sustainability of a not-

for-profit organization or charity of your choice. In life, many ofus require some kind of assistance, whether it’s physical,financial or spiritual. Perhaps a local organization or charityhas a special place in your heart. It may be that you were given

a scholarship that made the dream ofcollege possible. You or a loved one mayhave been shown especiallycompassionate care in the hospitalduring an illness or injury. It is duringlife’s many trials when we are remindedthat more could be done to continuepersonal philanthropy which supportshumane acts of kindness and helpuphold programs for personalenrichment. By leaving a gift that livesout your legacy, you are making asignificant contribution to the futuresustainability of those charitableorganizations that you value most.

WhyLeaveaLegacy?

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*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, 2013.

Mary NormanOffice Manager

Holly CaetanoManager - Business

Development

Kari Hilton*Licensed Assistant

Arlene Paul*Wealth Assistant

John Beynon*CFP® CLU CH.F.C.

Matt Wilhelm*FLMI CFP® FMA

Christopher Annett*CHS

Peter Stern*BA FLMI CFP®

Robert Wilson* CHS

Chris Moore* BAS CFP®

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

Tawnya SwartzentruberReception/Office Assistant

Cathy Christoff*Wealth Administrator

Meaghan Pitcher*Client Care

Representative

Sarah RamonReception, Client

Service

Linda SerbuAdministrative/

Marketing Assistant

Michelle Karn Office Assistant

Heather Kersell*CFP® CLU CHS FDS

Courtney Proudfoot* BA GBA

Julie Hoo* B.Comm

Natalie Lacroix*Sales Associate Advisor

Charitable giving leavesa lasting impression

A legacy plan can help give back. Know your options.

A Child’sBest Friend

1488 2nd Concession Road West Lynden, Ontario L0R 1T0519-721-1068 | www.autismdogservices.ca

I helped ADS bring Kendra and her service dog together. Iassist families and corporations support worthy causesthrough prudent and efficient estate and successionplanning. I help families multiply their contributions to makethis world a better place.

Jesse MacDonald, BA M.EdLife and Health Insurance Advisor

675 Queen St. South Box 230, Suite 615Kitchener, ON N2M 1A1TEL: 519-732-8980email: [email protected]

A child and his best friend

Ad sponsors:• Peter Willwerth, Desjardins Financial,Security Independent Network

•In memory of Kendra’s supporters;Grandpa Joe, Jim Nicklingand Doug Memmott.

Safety, Independence and Companionship

Kendra and Jasper


The simplest way for you to leave a charitable legacy is byputting a charity in your Will . Naming a charitablebeneficiary means that you will be remembered after your

death for the values that you emphasized during your lifetime.You will feel good, now, knowing that you will be making asignificant and lasting difference to causes you care about.There are some options for you: your charitable gift(s) can be

in the form of a fixed amount or can be a percentage of whatis left after tax and other costs have been paid. If yourbeneficiary is a registered charity, your estate will receive acharitable gift receipt in the amount of your gift, which willoffset taxes owing on your estate. The charitable tax receiptcan be applied up to 100% in the year of death and in addition,carried back one year.Some people express concern that heirs will receive less if

charity is named in a Will. In fact, when thinking aboutpreparing a Will, most individuals divide their estate amongtheir immediate family. They want to be sure that they canprovide for the needs of their loved ones. But what people maynot consider are the possible tax consequences of thisdecision.Your family and others who depend on you should always

come first. However, because tax is almost always owing in anestate, through income and/or capital gain, a charitablereceipt can offset tax owing and quite simply re-direct some orall of the money in the estate that would go to tax. Ask yourself,if you had a choice to give a portion of your estate to the

government in tax or leave a gift to acharity which one would you prefer? Theanswer is probably obvious, but it mightstill be difficult to know how to make thegift a reality.Your advisor(s) can help you to decide

if this is best for you. It is recommendedwhen drawing up your Will, you consult a legal advisor who canensure your final wishes are met. As well, it is recommendedthat you consult with family members so they are involved inyour legacy decisions.Here’s an example of a win-win scenario (often referred to as

“The Charity Child”, since the plan involves treating a charity orcharities as an additional heir):Through careful estate planning, a family with three children

divides their estate into quarters, leaving the last quarter to goto not-for-profits or charities that have touched their lives.Upon the passing of both parents, the Will outlines that eachchild will receive one quarter of their parents’ estate. The fourthquarter is dedicated to the Charity Child and directed to thecauses that are dearest to their hearts.By placing a charitable bequest in one’s Will, the estate will

benefit and receive a charitable tax receipt for the gift. This willhelp to offset any taxes payable to the government. Thechildren will still receive the portion of the estate generouslyleft for them as well. It is also also very important that thechildren cancelebrate theirparents’ legacy ofmaking a differencein the community,through theirphilanthropicdreams.

Editorial Committee and Contributors:• Darren Sweeney, Certified Financial Planner, [email protected]• Gillian Flanagan, KidsAbility Foundation, Development [email protected]

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

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

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

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

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Legacy planners encourage people planning their legacy tothink outside the traditional box. There are many optionswhen it comes to giving a gift that will make an ongoing

difference. For example:Gifts of Securities: Gifts of securities receive favorable tax

treatment. The Canadian federal government has eliminatedcapital gains tax on listed stocks when transferred directly toregistered charities. These can be in the form of publiclytraded stocks in Canada and major international exchanges,mutual funds, bonds or futures. You will receive a charitable

receipt for the market value of the securities, just as though youhad donated cash. When combined with the charitable receiptfor the value of the securities, this provides a great deal of taxbenefit to you, the donor, while giving support to the work of acharity that you value. One example: if instead of cash, you transfer your shares now

worth $20,000 directly to the charity, you will not have to pay taxon your gain. You will also receive a $20,000 charitable receipt toapply against your taxes. RRSPs & RRIFs: RRSPs and RRIFs can be “your other best

friend”. Naming the charity of your choice as the partial or full

beneficiary of your RRSP orRRIF is one of the most taxeffective ways to leave a legacy.This is because RRSPs and RRIFsare among the most highly taxedassets in your estate; hence, thecharitable tax receipt offsets anytaxes owing against your estate.

At death, RRSPsand RRIFs are treatedas if they have beencashed all at once and are added to income in the year of death.For example, this could mean that an income of $35,000 in theyear of death could become an income of $135,000, if there is$100,000 in RRSP or RRIF income added. The income would betaxed at the highest tax level, in many cases, directingapproximately half the RRSP or RRIF to taxation. A charitablereceipt can be applied up to 100% in the year of death and inaddition, can be carried back one year. Gifts of Property: Again, there are creative options – you can

choose to make a gift of property outright;or you may irrevocably assign ownershipand receive the tax benefits now whileenjoying the use of the property for yourlifetime. You will have the satisfaction ofknowing that the sale of the property nowor eventually, will provide funds to supportthe work of your charity. Houses, cottages,commercial buildings and land, jewelry,antiques, art and vehicles are examples ofpersonal property that can be used tomake a significant contribution. Becauseall property has a cash value, the donor isentitled to a tax receipt for the full marketvalue of the property.

This example is only for illustration purposes. The tax impact willdepend on individual donors’ circumstances. *Donation tax

credits may be carried forward for the next five years.

Some Great Giving Options

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

Cost of shares $20,000 $20,000

Capital gains realized $80,000 $80,000

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

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

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

Net tax reduction $27,600 $46,000

Selling Shares on the Donating Market & Donating Cash Shares

How toLEAVE ALEGACYThere are many ways to leave agift to a not-for-profit or charitythat has touched your life; one ofthese options is very likely to bethe idea method for you, and youcan learn more about them in thisspecial Leave a Legacy feature:

• Leave a Gift in your Will • Gifts of Life Insurance • Gifts of RRSPs or RRIFs • Gifts of Charitable Remainder Trusts

• Gifts of Securities • Gifts of Property

Golden Triangle

The Golden Triangle chapter is proud to be part of Advocis, the oldest and largest professional association of !nancial advisors and planners in Canada.

Advocis members provide advice and expertise in a number of areas, including:

Advocis members meet ongoing professional development requirements, put their clients’ interests !rst, and adhere to a code of professional conduct.

Advocis advisors and planners put professional standards !rst.To !nd an Advocis advisor or planner in your area, go to advocis.ca

oldest and largest voluntary membership association of !nancial advisors and planners in Canada, with more than 11,000 advisors and planners in 40 chapters.

Advocis®

PROFESSIONALSTANDARDS

The riangle chapter Golden Tthe oldest and largest pr

riangle chapter oud to be part of is pr!ofessional association of the oldest and largest pr

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the oldest and largest pradvisors and planners in Canada.

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nd an Advocis advisor or planner in your ar!o TTo advocis.ca

oldest and largest voluntary membership association of advisors and planners in Canada, with moradvisors and planners in 40 chapters.

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For more information,resources or to speak to anadvisor please visitwww.advocis.ca.


Benefits of Leaving a Gift of Life InsuranceO

ne creative and effective way of making a charitableimpact is through a gift of life insurance. There are avariety of beneficial options available. For example, one

potential application of life insurance is through fully paid uppolicies. If you have a fully paid up life insurance policy that

has value but is no longer needed, you can realize a charitablereceipt in the fair market value of the policy that can be appliedfor current tax relief. Life insurance can be powerful ally in increasing the value of

an estate. Through a series of smaller payments during yourlifetime, you can make a largecharitable gift at the end of life. This isaccomplished through the magic ofleveraging. For new policies, or those that are

assigned before fully paid, the followingtax benefits are available:

a) If you name the charity as beneficiaryand irrevocable owner of the policy, youwill receive an annual tax receipt for thefull value of your payments that can beapplied against your present taxes. Thecharity receives the money for itscharitable purposes on your death andthere is no charitable receipt to yourestate; or,

b) If you name the charity as beneficiaryand continue to own the policy, yourestate will benefit from the charitablereceipt on the value received at death.

A benefit to naming a charity directlyon your policy is that there is no needfor the gift to pass through probate. Itpasses outside your estate, therebysaving money in your estate, and thegift is not subject to contest. Life insurance can also be utilized as

wealth replacement. For instance, youcan replace the full value of a gift tocharity in your estate by taking out a lifeinsurance policy that will pay yourestate that same value on your death.The charitable tax receipt received byyour estate for the value of yourcharitable gift will reduce tax payable inyour estate. In this way you can: make asignificant charitable gift; reduce taxespayable in your estate; and replace theamount of your charitable gift to yourestate.

Your bequest can help future generations discover a new world of opportunities.

To find out how you can leave a legacy at Waterloo, contact Sharon McKay-Todd at 519-888-4567, ext. 35413 or [email protected]

The world is full of wonder.

OFFICE OF ADVANCEMENT 200 University Avenue West, Waterloo, ON, Canada N2L 3G1

JILLAINE YEE, A RECENT GRADUATE OF UNIVERSITY OF WATERLOO’S ENVIRONMENT AND RESOURCE STUDIES, SWAM WITH SHARKS DURING A CO-OP WORK TERM AT SCUBA WORLD IN QUEENSLAND, AUSTRALIA.

uwaterloo.ca/support/planned-giving

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WILFRID LAURIER UNIVERSITY Waterloo | Brantford | Kitchener | Toronto

wlu.ca/giving

Q: Why give? A: To help build

our future.LEGACY DONORS MAKE THE IMPOSSIBLE POSSIBLE.

Their lifelong commitment and generosity provide vital building blocks for future generations of Laurier students. Through a planned gift, such as a charitable bequest in your will or a gift of life insurance, you can help cement Laurier’s continued success for years to come. To learn how easy it is, contact Cec Joyal, Development O! cer, Individual & Legacy Giving at [email protected] or call 519.884.0710 x3864.

Thanks to a generous bequest from the estate of a Brantford chemist, students like Abdikarim Osman will benefi t from the newly opened William Nikolaus Martin labs.

CHARITABLE TRUSTS “WHAT IF I DON’T HAVE A WILL?”

ACharitable Remainder Trust can provide you with incomefor life; then, after your lifetime, the assets pass to thecharity for charitable work.

You receive immediate tax relief since a charitable receipt forthe remainder of the full market value is provided at the timethat the trust isestablished. A trust can

also be set upto provideincome for asurviving spouseor other family member. In that case, the assets would pass tothe charity only after both spouses have died. A charitable remainder trust can be funded with cash,

securities or real estate. Charitable remainder trusts areirrevocable gifts. The donor is most times entitled to a charitablereceipt at the time that the trust is created, giving tax reliefduring the donors lifetime. The receipt amount is based on thepresent value of the remainder interest determined by theremainder of the fair market value of the assets. The charitabletax receipt is often within a range of 20-60% of the value of theassets.

If you do not have a will, you are not alone. A 2012 surveyshowed that 56% of Canadian adults do not have a will, andthat means they have surrendered control of what happens to

their estate, and may leave their survivors liable for significantand immediate tax costs. In Ontario, if an individual dies intestate – the legal term for

being without a will – with net property valued over $200,000,and leaves a spouse and one child, the spouse receives apreferential share of $200,000 and the net residue is dividedequally between spouse and child.If there is a surviving spouse and more than one child, the

spouse receives the $200,000, as well as one third of the netresidue, the remainder divided among the children.If there is no spouse or children, property goes to the parents

of the deceased; if both parents are deceased, net assets aredistributed equally to surviving siblings, or their surviving children.These fixed rules may not represent your wishes; they preclude

any charitable donations from your estate, or any specialbequests you might want to leave to a specific person; and theycreate the possibility of significant and unnecessary tax hits.Not only do you need to have a will, you need to have the

financial advice and tax planning advice that will make that willthe effective document you want it to be.� �

Benefits include: • a steady income and immediate tax benefits

• expert financial management

• allows you to make a significant gift

• avoids probate


GIVING IS SUPPORTEDBY LEGISLATIONThe LEAVE A LEGACYTM goal of advancing philanthropy is

supported by legislation passed by the federal government.By implementing laws that allow Canadians to claim donationsand other benefits in their taxes, the government encouragesan increase of gifts to charities from individuals andcorporations. Statistics Canada reports that, in 2011, 23% ofCanadians filling tax returns claimed a charitable donation.These claims totaled $8.5 billion, a $.2 billion increase from2010. Significant tax incentives make gift planning even more

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

WHY YOUR WILL ISIMPORTANTYour Will or testament guarantees that your property and

assets will be regulated according to your personal intentions.Without a Will, there is no mechanism in place to make abequest. Here are some steps to take to ensure that yourwishes are followed:1. Make a detailed list of your assets (financial, real estate,

vehicles, jewellery, collectibles, musical instruments, etc.).2. Make a list of organizations or causes you would like to

support.3. Set up an appointment with your professional advisor (i.e.

financial analyst, attorney, or planned giving officer) to discussyour options. Your professional advisor can help you decidewhich option(s) will work best for you and your family tosafeguard your wishes.

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YOU DON’T NEED A MILLION DOLLARSMarshall and Monica, are teachers in their forties; they live in Cambridge, Ontario. Each had a parent who had Alzheimer’s,

and they would like to give a significant sum to research into this terrible disease. But how?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, over ten years.As both are non-smokers, the annual policy premium would be about $8,000 per year over ten years. After deducting the

46% tax credit*, the annual net cost is $4,300.* This example is built with federal and Ontario tax credits. In this example, the donors’ annual incomes place them in the highest tax bracket.


A Planned Gift for Pennieson the DollarC

oncerned people do a lot of homework to find cars withthe best fuel efficiency, the most cost-effective cellphone plans, and the best rate to fly south. But how

much homework do we do to minimize our income taxliabilities and maximize the way we support our cherishedcharities? Everyone has fond memories of the services provided by a

service club or community institution. As a rational feeling wemay want to show our appreciation through a planned gift tothis organization and our family. Couples, who have saved asignificant pool of registered funds over their lives, often wishto pass the funds along to their children on their deaths. Someparents don’t need the funds to support their lifestyle and takeonly minimums when RRIF withdrawal time comes around atage 71.Couples that do not plan well financially could face a huge

terminal tax bill on the passing of the surviving spouse. Or inthe unfortunate case where both partners die, they would alsobe leaving a tax bill to their heirs – most often their ownchildren. In this situation a spouse with a taxable income of$35,000 and $200,000 of registered funds will face a terminaltax bill of over $100,000. This of course, deprives the childrenand charity of part of their financial legacy.The children will get about $100,000 ($200,000 pre-tax)

which means the couple paid $1 in income tax for eachequivilent $1 that their children receive - a one for one.

But, what if the parents purchased a life insurance policywhile in good health? With some forward thought, this could beequal to the face value of the total registered funds that wouldhave been relized. If they further provide instructions in theirWill, to make charitable donations to deserving registeredcharities equal to the residual funds left in the RRIF, then allparties could be fairly financed.Continuing with this situation, if the parents were able to

qualify for a life insurance policy, one that paid on the death ofthe surviving spouse, and if this was done for between one totwo cents per dollar, that would be a good thing. Especially fora couple in their late fifties or early sixties. Then, when thecouple passed away, their executor would make charitabledonations as directed by the Will and further submit thecharitable donation receipts to the Canada Revenue Agency,which would then offset most of the terminal income taxespayable as a result of the death. As a result of prudent planning and the investment of a few

pennies per dollar the children received the entire $200,000legacy their parents intended to leave, they fulfilled theirpassion by supporting their chosen charities. and they wereable to minimize their terminal tax liability, which would bepayable by the estate - presumably their children.Everyone likes to spend time and shop around for good value

in consumer products like televisions and clothes. Why notinvest the same amount of time in some financially rewardingestate planning? �


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

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

CAMBRIDGE MEMORIAL HOSPITAL FOUNDATIONJennifer White, [email protected]

700 Coronation Boulevard, Cambridge, N1R 3G2 519-621-2333 ext244

www.cmh.org

CANADIAN COUNCIL OF CHRISTIAN CHARITIESWayne Kroeker, [email protected]

1 - 43 Howard Ave., Elmira, N3B 2C9 519-669-5137www.cccc.org

COMMUNITY OF CHRISTKen McGowan, [email protected]

390 Speedvale Ave E, Guelph, N1E 1N5 519-265-5349www.cofchrist.org

CONESTOGA COLLEGE INSTITUTE OF TECHNOLOGYTim Tribe, [email protected]

299 Doon Valley Drive, Kitchener, N2G 4M4 519-748-5220 x2409www.conestogac.on.ca

CONRAD GREBEL UNIVERSITY COLLEGEFred Martin, [email protected]

140 Westmount Road North, Waterloo, N2L 3G6 519-885-0220x24381

www.grebel.uwaterloo.ca

DOG GUIDESHeather Fowler, [email protected]

152 Wilson Ave, Oakville, N2L 3G6 519 648-3307 x222www.dogguides.com

GRAND RIVER HOSPITAL FOUNDATIONJane Jamieson, [email protected]

835 King Street West, KITCHENER, N2G 1G3 519-749-4205www.grhf.org

HUNTINGTON SOCIETY OF CANADAAndrea Cliche, [email protected]

151 Frederick St., Suite 400, Kitchener, N2H 2M2 519-749-8491www.huntingtonsociety.ca

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

only the earnings generated through its investments are distributed asgrants according to the donor's direction. Donors can be confidentthat a gift to the Community Foundation is a gift that will give forever.Contact Executive Director.

135 Thompson Drive, Unit 7, Cambridge, ON N1T 2E4 519-624-8972 www.cambridgefoundation.org

HOUSE OF FRIENDSHIP ofKitchener:Since 1939, House ofFriendship has been servingpeople living on low-income:we are there when needed,

speak up, and work together. Today, we are a leading provider ofshelter, supportive housing and emergency food assistance. We alsobuild strong families and communities through community centreprograms, and support healthy lives with innovative addictiontreatment programs for men and women. We envision a communitywhere all can belong and thrive. Until that time, your legacy gift willensure that together we can continue to extend the hand of friendshipto our neighbours in need. To inquire about The Friendship Fund orplanning your legacy, please contact:Christine Rier, [email protected]�519-742-8327 x12251 Charles Street East, PO Box 1837, Station C, Kitchener, ON N2G 4R3

www.houseoffriendship.org

INDEPENDENT LIVING CENTRE OFWATERLOO REGION: For 30 years, the Independent LivingCentre of Waterloo Region (ILCWR) hasprovided programs and services to helppeople with disabilities live full, fulfillingand independent lives in our community.All of our services are consumer-directed,and work toward removing barriers to thefull community participation of our

neighbours with disabilities. You can give the gift of independence byincluding ILCWR in your will, and helping Waterloo Region to becomea leader in accessibility and independence for people with disabilities.It is a future that benefits us all, and a gift that lasts beyond a lifetime.

201-127 Victoria St. South, Kitchener, ON N2G 2B4 519-571-6788 x7425 www.ilcwr.org

KIDSABILITY FOUNDATION:Established in 1957, KidsAbility isnow the recognized leader inWaterloo Region and Guelph-Wellington for empowering childrenand youth with a wide range ofcomplex special needs. Our

passionate and dedicated team provide life-changing therapy andsupport services to 5,400 local children and youth. KidsAbilityFoundation is dedicated to raising both financial support andaffirmative public awareness in assisting KidsAbility Centre for ChildDevelopment fulfill its mission.

Lisa Talbot, Executive Director | [email protected] x1201Gillian Flanagan, Development Officer | [email protected]

x1350 500 Hallmark Drive, Waterloo, ON N2K 3P5 |

519.886.8886 |www.kidsability.ca

WATERLOO WELLINGTON CHARITABLE ORGANIZATIONS ROUND TABLE 2013 DIRECTORY

KITCHENER-WATERLOO ARTGALLERY (KW|AG) The Gallery’s mission isconnecting people and ideasthrough art. For more than 50years, KW|AG has presented,promoted and preserved the visual

arts heritage of our region. Proud caretakers of a permanentcollection of approximately 4,000 works, the Gallery’s dynamicprogramming serve all ages and interests. Free admission ensuresequal access for all. The Gallery's Endowment Fund is locallymanaged, and an additional endowment fund is held at the OntarioArts Foundation.

Caroline Oliver, [email protected] 101 Queen St N Kitchener N2H 6P7 519-579-5860 x218

www.kwag.c


KITCHENER-WATERLOO HUMANE SOCIETYMarjorie Brown, [email protected]

250 Riverbend Drive, Kitchener, N2B 2E9 519-745-5615www.kwhumane.com

KITCHENER-WATERLOO SYMPHONYSandra Villaraga, [email protected]

36 King St W, Kitchener, N2G 1A3 519-745-4711www.kwsymphony.ca

LUTHERWOOD CHILD AND FAMILY FOUNDATIONKim Lester, [email protected]

285 Benjamin Road, Waterloo, N2V 2N8 519-884-1470 ext 113www.lutherwood.ca

ONTARIO FARMLAND TRUSTBruce Mackenzie, [email protected]

Alexander Hall, Room 301 University of Guelph, Guelph, N1G 2W1 519-824-4120 x52686

www.ontariofarmlandtrust.ca

PROJECT PLOUGHSHARESMatthew Pupic, [email protected]

57 Erb Street West, Waterloo, N2L 6C2 519-888-6541 x705www.ploughshares.ca

ROCKWAY MENNONITE COLLEGIATEBernie Burnett, [email protected]

110 Doon Road, Kitchener, N2G 3C5 519-743-8209www.rockway.ca

SAINT LUKES PLACEKaren Blackwell, [email protected]

1624 Franklin Blvd., Cambridge, N3C 3P4 519-658-5183 ext 251www.saintlukesplace.ca

STRATFORD SHAKESPEARE FESTIVALKathryn McKie, [email protected]

55 Queen Street, P.O. Box 520, Stratford, N5A 6V2 519271-0055x5640

www.stratfordshakespearefestival.com/legacy

THE GIDEONS INTERNATIONAL IN CANADAJusep Sim, [email protected]

501 Imperial Road North, Guelph, N1H 6T9 519-823-1040www.gideons.ca

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

29 King Street East, Suite B, Waterloo, N2L 1T2 519-725-1806 x 1www.kwcf.ca

UNIVERSITY OF GUELPHDave Durbin, [email protected]

50 Stone Road East, Guelph, N1G 2W1 519-824-4120 x52941www.uoguelph.ca

UNIVERSITY OF WATERLOOSharon McKay-Todd, [email protected] 519-888-4567 x35413

Joanne Stewart, [email protected] 519-888-4567Viola Poletes Montgomery, [email protected]

519-888-4567, ext. 38780200 University Ave W, Waterloo, N2L 3G1 www.uwaterloo.ca

WATERLOO REGION FAMILY NETWORKSue Simpson, [email protected]

745 Bridge St West, Unit 8, Waterloo, N2V 2G6 519-804-1786 x100www.wrfn.info

WILFRID LAURIER UNIVERSITYCecile Joyal, [email protected]

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

YWCA KITCHENER-WATERLOOSheryl Loeffler, [email protected]

153 Frederick St., kitchener, N2H 2M2 519-576-8856 x106www.ywcakw.on.ca

KW COUNSELLINGSERVICES: We believe that change isalways possible whenrelationships are enhanced.KW Counselling Services is a

multiservice agency providing individual, family, group, parenting andoutreach supports to the community. We reach our community’s mostvulnerable members and those who seek to create positive change intheir lives and those around them.

480 Charles St. E., Kitchener, ON N2G 4K5 | 519-884-0000 x211 www.kwcounselling.com

MENNONITE FOUNDATIONOF CANADA: Mennonite Foundation of Canada offerscomprehensive services to help you livegenerously. Our qualified consultants can help you connectfaith, values and generosity. Ask us aboutcharitable gifting accounts, will & estateplanning, and gifts of stock and securities. Call MFC today and see how rewarding it can be

to experience faithful, joyful giving. Sherri Grosz, [email protected]

50 Kent Avenue, Kitchener, ON N2G 3R1 / 519-745-7821 Website: www.mennofoundation.ca

ST. JEROME’S UNIVERSITY: St. Jerome’s University has offeredstudents access to high calibreCatholic Liberal Arts educationsince 1865. Including St. Jerome’sin your financial plan allows you to

make a significant gift in support of the formation of leaders for theservice of the community and the Church. It also provides a charitabletax deduction to your estate and doesn’t affect your current income.Leave a legacy of leadership, invest in the future.

290 Westmount Road N., Waterloo ON N2L 3G3 519-884-8111 x 28255 St. Jerome’s University www.sju.ca

ST. MARY’S GENERAL HOSPITALFOUNDATION: Founded in 1924, St. Mary’sGeneral Hospital remains an islandof healing and hope to the people ofWaterloo Region and surroundingareas. Known for our commitmentto excellent, innovative, and patient-

centred care, we are one of the country’s finest hospitals and we takeseriously the trust our community puts in us. In return, we arehonoured to have the financial support of the people we serve so thatwe can continue our work.

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

www.supportstmarys.ca

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legacy giving guide - 2013

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