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PLAN ◄► PROTECT ◄► PROSPER (2016). savings plan(s)before theend of thisyear need tomake changes toyour retirement 1945 appreciate your participation! to and we us valuable would isimportantfeedback and client survey fall. Your this Financial Advisors are paid. arepaid. Advisors Financial on how information more for Section’ our ‘Tools in and look www.potvinfinancial.com Visit they will bemore happythan have to conversation a youwith to answer all your questions. whyyou being are charged. Please ask your financial advisor about how they are paid and this issue with you. wantWe to make you sure understand howmuch you paying are and haveWe had open discussions about fees with many but clients, perhaps we haven't addressed ofportion this fee is paid to advisors. the theseof accounts. This a is fee that the investment company charges all investors anda small other financial institutions) payingis anongoing annual fee for managementthe andservicing segregated funds part as of portfolio(s)their (whether Potvinwith Financial, a local bank, or annually andbased on our client’s asset values. Any investor who chooses useto mutual or when wefirst take over an account, or we can receive on an mortgage Depending needs. specific onthe situation, we will bepaid an up provideWe financial services to clients who ask usto manage investment, their insurance and this issue. focus being placed upon the way financial advisors are we paid, thought we should address Transparency an is important element in our client Advisors areFinancial How Paid? We can help!! If you If– were born in 1945, you

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- advisor relationships. With current media - going which fee is paid to us Canada. At Potvin Potvin At Canada. in popularity much gaining are and options low cost are They portfolios. diversified within their including to consider investors are optionsThese for - front commission

Richard (Rick) Potvin, CPCA, EPC Kim Mercer Senior Advisor Manager [email protected] Mortgage Agent Financial Advisor [email protected] *Mutual Funds Provided through FundEX Investments Inc*

Kevin Potvin, CPCA, EPC Niki Boal President Licensed Assistant Financial Advisor Client Request Processing [email protected] [email protected] *Mutual Funds Provided through *Mutual Funds Provided through FundEX Investments Inc* FundEX Investments Inc*

Robyn Hardiman, CFP Daniela Di Saverio-Goguen Certified Financial Planner Receptionist Insurance Specialist Client Appointment Scheduling [email protected] [email protected]

Larry Griffith Carol Potvin Insurance Advisor Marketing RIBO Licensed Newsletter Designer [email protected] [email protected]

Dan Lanthier Robyn Oliverio, AMP Customer Service Mortgage Advisor Tax Advisor in Training [email protected] [email protected]

OFFICE HOURS Testimonials Monday—Friday: My mother has been with Potvin Financial Services for 8:00 a.m. to 4:30 p. m. over 30 years, and I made the wise choice to move all 117 Centrepointe Drive my investments over to them a few years ago. Suite 320, , ON, K2G 5X3 Tel: 613-224-6561 I’m not a big player in the financial world, but I’ve Fax: 613-224-3608 always been treated like a very special person. It’s www.potvinfinancial.com always a pleasure to stop by and talk to Kevin about “like” us on Facebook my investments, world politics and yes, even plants. Barry J., Ottawa

- 2 - Should you contribute to your RRSP or pay down your debt? This is a question that we are often asked by our clients. There are many variables to consider, but here are 5 points to consider when making your decision. 1. Type of debt you are carrying: If you are paying high interest credit card debt, you should pay it down as quickly as possible. But, not all debts are bad. For instance, making mortgage payments (usually at a low interest rate). 2. How much debt do you have? It’s emotionally draining to carry a large amount of debt. If you’re struggling every month to make basic payments, then you might want to eliminate your high interest debt first. 3. How old are you? If you are close to retirement, you should plan on going into your retirement mortgage– and debt-free. You don’t want to have higher interest rates affecting your retirement income and lifestyle. 4. What is your income? If you are in a high-income tax bracket, it may be more beneficial for you to reduce the amount of tax you pay with an RRSP. If you are in a lower tax bracket and have a lot of debt, consider paying if off first. 5. What type of RRSP? You don’t want to lose money by not taking advantage of the tax implications of your RRSP. For example, if you have a group RRSP and you get matching contributions from your employer, or can increase your Spousal RRSP to benefit from the income-splitting option. The bottom line really, is how much you are paying in debt and what is the possible amount you could be earning in your RRSP. To help you with this decision, or to look at debt management, call one of our advisors for an appointment.

Did you know that mortgage GIC RATES EFFECTIVE: June 15, 2016 insurance is just life insurance you bought through the bank? Year 1 2.080% In all probability, we can save you money and provide you Year 2 2.270% with better coverage. Ask us how today!!! Year 3 2.300% Year 4 2.350%

Give me books, fruit, French Year 5 2.450% wine and fine weather and a little All rates subject to change without notice. Short term rate available upon request. music out of doors, played by Based on a deposit amount of $10,000. someone I do not know.

- John Keats

- 3- YOUR ESTATE MATTERS — WHAT KIND OF A LEGACY DO YOU WANT TO LEAVE?

What does estate “planning” mean? Estate planning is the process of anticipating and arranging for the disbursement of your estate in the event of your death. It can be used to eliminate uncertainties over the administration of probate and to maximize the value of your estate by reducing taxes and other expenses. The ultimate goal of estate planning can be determined by your specific goals, and may be as simple or complex as your needs dictate. Guardians can be designated for minor children and incapacitated beneficiaries.

What is an estate “plan”? Depending on the complexity of your situation in life, it may involve one or several of the following items: - Will -Trusts - Life Insurance - Power of Attorney for property (POA) - Power of Attorney for personal care (POA) - Living will - Registered Organ donor - Funeral arrangements - Business succession plan -Tax planning

Individually, each of these topics is complex and you should work with your advisor and legal representative to make sure you are planning correctly for this later-stage in life. One of the most discussed items listed, is your will. Three most often quoted ‘estate planning mistakes’ include: 1) not having a will, 2) not keeping your will current, and 3) using a DIY (do-it-yourself) will.

Why is an estate plan important? A new CIBC Capital Markets reports: a) Baby boomers in Canada will inherit approximately $750 billion over the next decade (the country’s largest-ever transfer of wealth), and b) More than 2.5 million Canadians are older than 75 years of age (45% of which are widowed). Overall, there is 25% more elderly Canadians than a decade ago. These facts have created a lot of attention around the topic of estate planning.

Naming an executor to manage your estate when you are not around is no simple task. The executor role is complex because of the variety of skills required; time consuming because of the sheer volume of tasks to be managed; and challenging because the relationships involved can become strained, due to the combination of emotions and money. Your executor will have many tasks that your advisor can assist with, to ease their burden and help clarify the overall process.

On the flip side of that, being appointed as executor will take time, energy and attention to detail. Depending on the estate, it can be a very complex endeavour. Be aware of the risks involved and the recent changes that have occurred in the rules for probating an estate in Ontario.

You need to be organized! Don’t leave your executor in a risky position or searching for documents. Document all of your affairs, including your assets, insurance, contact numbers of professionals you deal with, etc If possible, introduce your executor to your financial advisor.

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We have some fantastic tools on our website – www.potvinfinancial.com – tools to help you organize your estate and make it easier for your executors to manage on your passing. There are also some excellent tools for executors to help them make sense of their role and all the responsibilities that go along with it. Here are some of the tools you can access on our website:

▪ A Practical Guide to Inheritance Planning ▪ Estate Risk Profile ▪ Letter of Direction for your Executors ▪ Important Estate Information Record manager/workbook ▪ Framework of Executor’s Tasks & Checklist ▪ Estate Planning for Disabled Beneficiaries ▪ Executor Guide, checklist and compensation guidelines

Arranging your investments with your estate in mind: In Ontario, your assets are subject to probate fees on death (death tax). The rate for the first $50,000 of assets is 0.50%, and over $50,000 it is $250 + 1.5%. In addition to probate fees, there may also be executor fees, legal fees, accounting fees and investment fees. Different types of investments offer different estate benefits. For example, segregated funds allow you to name direct beneficiaries, with the proceeds paid directly to the beneficiaries, thus avoiding the estate and the probate and other fees. There are many options and other considerations that should be reviewed carefully with your advisor.

NEW: Executor and Estate Liability Insurance (application available on pfs.com) – This product is meant to protect the executor and the estate from many of the potential legal liabilities that can arise from the managing of an estate, even if professionals are assisting the executor in his or her role. The time to apply for this coverage is when someone has passed and you are called to task as the executor. The insurance coverage is provided by ERAssure, a registered trademark of Kitchener, ON-based Estate Risk Protection Plan Inc.

Multi-generational planning—Are your parents and/or children in good order? Our advisors work with multi-generations of families to make sure proper planning is being done at every level to ensure maximum benefit to the whole family. We can ask your parents the difficult questions you may not be comfortable asking, to ensure their affairs are in good order now and when they pass. We can also work with your children, to ensure they understand the process of working with an estate and acting as an executor for the future.

Surviving spouses – Your personal property and financial assets can pass from one spouse to another upon death without any tax implications. It is when the surviving spouse has passed away and the assets are left to the children and other family members or friends, that a tax liability is created for the estate. Here are 5 pieces of advice for surviving spouses, brought to you by www.advisor.ca. This is not fun stuff and nobody likes to think about it, but we can help you deal with these important topics:

▪ Plan for the day a spouse will pass away – ideally both spouses are involved long before it happens ▪ Don’t make major money decisions right away – Keep cash available and avoid making any decisions for at least six months ▪ Make moving decisions carefully – Don’t make a move right away, consider all your options…carefully ▪ Don’t be an ATM for others – Widows sometimes fall prey to family, friends and acquaintances that approach them when they are emotionally vulnerable ▪ Once your spouse’s estate has been settled, ensure your finances reflect your new life situation – adjust your beneficiaries, update your will and POAs and make sure your investments are positioned for your comfort level

- 5 - You may have concerns and/or reservations in leaving some people large amounts of wealth on your passing. There are a number of situations where this may apply---blended families, children with poor spending habits, families who have dependants possessing varying degrees of capability, minors and financially dependent heirs. There are options for addressing these concerns. One simple option is the “Legacy Settlement”. With this option, you would specify in your will or within your investment contracts, how proceeds are to be disbursed on your passing - PLUS instructions to be followed with regards to how the funds are handled. The most common instruction is to direct the assets to an investment vehicle that restricts access to the funds but provides your beneficiary with a lifetime income payment.

There are many things to consider while you are alive and many things to plan for when you are gone. Work with your advisor to ensure your plan is on track.

OTTAWA WINS This iPhone App Could CANADA’S BEST PLACE TO LIVE 2016 Save Your Life For the second time in five years, Ottawa Should you ever find yourself in a medical has taken first place in MoneySense emergency, your Medical ID can be used to determine your identity and access your magazine’s annual Best Place to Live (Full medical history. Ranking) in Canada. The ranking is based Medical responders can open it on population, safety, affordability and from your locked screen by hitting livability quality. Emergency, then Medical ID. To set up your Medical ID, go to the tab in Other Ranking Winners: the Health app (above), then hit Edit. Be Safest City: Petawawa, ON, with 1,823 sure "Show when locked" is enabled, so that medical responders can view your incidents per 100,000 residents information. Highest median household income: Contact persons on your medical ID must Wood Buffalo (Fort McMurray) AB, at be in your contact list to register. $191,631 Most affordable city: What’s Stressing Canadians? Bathurst, NB, where homes are just 1.6X average 87% of Canadians wish they had made earnings better financial decisions earlier in life. Richest place: West Vancouver, BC, where the average household net 45% of Canadians are embarrassed worth is $3,510,201 about their lack of control over finances.

4 in 10 people in relationships with shared finances argue regularly over finances.

Source: Leger, conducted on behalf of FPSC, Financial Planning Report 2014

- 6 - SUMMER EVENTS IN AND AROUND OTTAWA, 2015

COUNTRY FAIRS MUSIC FESTIVALS Almonte Fair—July 15-17 TD Ottawa Jazz Festival—June 23-July 3 www.almontefair.com www.ottawajazzfestival.com

Perth Fair—Sept. 2-5 Escapade Music Festival—June 25-June 26 www.perthfair.com www.escapademusicfestival.com

Renfrew Fair-Sept. 7-11 Music and Beyond—July 4-17 www.renfrewfair.com www.musicandbeyond.ca

Russell Fair—Sept. 9-11 RBC Ottawa Bluesfest—July 7-17 www.russellfair.com www.ottawabluesfest.ca

Richmond Fair—Sept. 15-18 Fortissimo—July 21-23, 7:30 p.m. www.richmondfair.ca A military and musical spectacular created for the lawns of . www.army.forces.gc.ca CULTURAL EVENTS Italian Week—June 9-19 Ottawa Chamber Music Festival—July 21- www.italianweekottawa.org Aug. 3 www.ottawachamberfest.com

Community Cup—June 26 CityFolk Festival—Sept. 14-18 www.communitycup.ca www.cityfolkfestival.ca

Bytown Days—June 30-July 1 See our list of shows coming to the www.bytowndays.com on the reverse. Almonte Celtfest—July 8-10 www.ottawafestivals.ca

Summer Solstice Aboriginal Arts Ottawa has many museums and historical Festival—July 17-19 sites to see! For information on the: www.ottawafestivals.com Canadian Museum of History Lebanese Festival—July 20-24 www.ottawalebanesefestival.com Canada Science & Technology Museum Greek Fest—August 11-21 www.ottawagreekfest.com South Asian Fest—Aug. 11-13 Canadian Museum of Nature www.southasianfest.net Canadian Aviation & Space Museum National Gallery of Canada Ottawa Turkish Festival—Sept.5-11 - go to www.ottawatourism.ca www.ottawaturkishfestival.com Check out Ottawa’s camps, parks, Oktoberfest Ottawa—Oct. 1-3 pools and beaches at www.ottawa.ca. www.oktoberfestottawa.com

- 7 - FUN AND GAMES Ottawa Ribfest—June 22-26 Winchester Dairyfest—Aug. 5-7 www.sparksstreetmall.com www.winchesterdairyfest.com

Ottawa Dragon Boat Festival—June 23-26 Puppets Up (Almonte)—Aug. 5-7 www.dragonboat.net www.puppetsup.ca

Changing of the Guard on Parliament Hill— Fireworks Casino du Lac-Leamy—Aug.6-20 June 26-Aug.21. www.ottawatourism.com www.feux.qc.ca

Garden Herb Festival—June 26 Carp Perth Garlic Festival—Aug. 13-14 www.carpfarmersmarket.ca/herb-festival www.perthgarlicfestival.com

Canada Day Arts Festival—June 28-July 1 Capital Pride Festival—Aug. 15-21 www.ottawafestivals.ca/festival www.ottawacapitalpride.ca

Mosaika: Sound & Light Show—July 9- Gatineau Hot Air Balloon Festival—Sept. 1-5 Sep.10 www.mosaika-sl.ca (Parliament Hill) www.tourismgatineau.com

Osgoode Medieval Festival—July 8-10 Ottawa International Animation Festival— www.osgoodemedievalfestival.com Sept. 21-25. www.animationfestival.ca

HOPE Volleyball SummerFest—July 16 SPORTS www.hopehelps.com Ottawa Fury Soccer Team—Until Oct. 29 www.ottawafuryfc.com Bytown Days—July 30-Aug.1 www.ottawatourism.ca RedBlacks Football Team—July 8—Nov. 4 Play 9 home games. www.redblacks.ca

International Busker Festival—July 28-Aug.1 Ottawa Champions Baseball Team until Sept. 5 www.sparksstreetmall.com/busker Plays 54 games in the Can-Am League ww.ottawachampions.com Capital Ribfest—July 28-31 Festival Plaza www.capitalribfest.ca Join Lululemon for free yoga sessions on Parliament Hill on Wednesdays at 12 noon Glengarry Highland Games—July 29-30 (weather permitting). Until Sept. 28. Bring www.glengarryhighlandgames.com your own yoga mat and water.

CANADIAN TIRE CENTRE

Toruk Cirque du soleil—June 29- Family Channel’s Big Ticket July 3 Summer Concert—August 27

Tragically Hip—August 28 World Cup Hockey—September 10 Canada vs USA

- 8 - Corporate Class Mutual Funds ON-GOING SHREDDING *Changes Effective October 1, 2016* AT POTVIN FINANCIAL Our free shredding days for our The 2016 federal budget includes a proposal clients this spring was a HUGE to change one aspect of the tax treatment of mutual fund corporations, or corporate class success. We were surprised and funds. Currently, investors are able to switch pleased that so many clients took between different share classes on a tax- advantage of this service. And, it deferred basis. Under the proposed tax was so nice to see you and have a measures, switches between different share classes will be considered a disposition for tax chat when you dropped off your purposes, effective October 1, 2016. documents.

It is important to note that the change We believe the protection of your proposed in the budget will have no impact confidential information is of utmost when corporate class funds are held in a importance, and therefore, have registered plan. Even after it is implemented, decided to continue this free service Corporate Class Funds will continue to provide tax benefits for non-registered at any time— for our clients and their accounts. friends. You can conveniently bring your documents with you when we The tax-deferred switching within Corporate have your regular review meetings. Class remains available until the end of September 2016. This provides investors with You don’t have to call or make an time to rebalance their portfolios on a tax- appointment for drop off. Simply deferred basis. come into the office with your For more information about Corporate shredding and we will take care of Class, speak with your advisor. the rest.

SUMMER HEALTH

It is important to keep hydrated during the hot days of summer for children and adults. The best ONTARIO RETIREMENT choice for drinking is good old H2O. It is the most PENSION PLAN ( ORPP) hydrating and doesn’t contain sugar, additives or Ontario Premier Kathleen Wynne says the caffeine. For snacks that contribute to hydration, province of Ontario plans to phase in the here are the top 10 fruits and vegetables for water Ontario Retirement Pension Plan next year, content: with new premiums to be charged as of Strawberries 2018. Ontario’s stance presents a hurdle to Watermelon the remaining provinces, which aren’t keen Grapefruit to adopt the same retirement reforms. Cantaloupe There will be a meeting on June 20-21 Peach between both federal and provincial Lettuce officials in an attempt to overhaul the Cucumber existing CPP program (and possibly avoid Radish the OPP altogether), but Wynne says the Zucchini ORPP will come to fruition should no Celery agreements be made. Stay tuned!

- 9 - NEW TAX RULES FOR LIFE INSURANCE IN 2017

One of the benefits of permanent life insurance is that funds inside a policy can grow exempt from taxation. To remain exempt from taxation each year, the growth must not exceed certain limits, which are defined within Canada’s Income Tax Act. The current tax-exempt rules we use today have been in place since 1982.

Starting January 1, 2017, rules related to the taxation of life insurance in Canada will change. These new rules will have an impact on all life insurance plans issued after 2016, including prescribed annuities.

What is changing: Less ability to shelter large deposits Maximum lifetime accumulation with life insurance policies will be reduced It will take longer to quick pay permanent life insurance policies Negative impact on insurance proceeds paid through a corporate Capital Dividend Account Increased tax on prescribed annuities, resulting in lower annuity payments

If you are considering purchasing permanent insurance in the near future, it may be best to get your policy in place before January 1, 2017. Any policy or annuity issued before January 1, 2017 will be grandfathered and the old rules will apply.

MOM’S FAVOURITE SAYINGS:

1. What part of ‘no’ don’t you understand? 2. I don’t care who started it. 3. Wait ‘til your father gets home. 4. Your face is going to freeze like that. 5. No one said life was fair. DO WE HAVE A COPY OF YOUR WILL? 6. Go to your room. We would like to review your will with you 7. Beds are for sleeping not jumping on. to ensure that your instructions are 8. Eat your vegetables. aligned with any beneficiary designations 9. ‘I don’t know’ is not an answer. on accounts that we manage. 10. Because I said so, that’s why. In addition, the role and responsibilities of the estate trustee (formerly called executor) have changed greatly. It requires a number of skills, because of the sheer volume of tasks that need to be managed. To help your estate trustee deal with this important role, we can provide tools and guidance.

- 10 - The Insurance Corner INSURANCE NEEDS!!! CALL US TODAY FOR ALL YOUR      when not travelling together with their parents. covers children FREE OF CHARGE*, even “ Enjoy your summer vacation with a Blue Cross *Some apply conditions don’t. if you money your and refund a claim, make if out you pay will policies that is Illness Critical refunded). 75% thepreviously paid minus (premiums premiums your of remainder the refunded youwill be and cancelled be can the policy continue will you paid have the premiums of 75% of refund a receive you automatically a claim, younot made have if 25, at age that is policy to this benefit significant The most adult. is an child yourwhen policy the of the ownership transfer you can and arise issues health any before coverage this youget can rates, verylow in things. many accomplishes child your for coverage illness Critical Providing ▪ ▪ ▪ to: resources youwant financial Would happen? itif does what but ill, critically your becoming of child possibility the about think even want to not You may Summertime Blue Summertime concerns? financial Focus on your child’s recovery and not not other yourand recovery child’s on Focus available? care the Choose your child? with and be work timeoff Take World class 24/7 assistance services Repatriation and transportation expenses provider* Medical expenses paid directly to the Up $5,000,000 to emergencyin medical care everyone the in family number trips of during the summer, for One affordable price for an unlimited TRAVELINSURANCE

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320-117 Centrepointe Drive Ottawa, ON, K2G 5X3

LIFE INSURANCE NEWS!! In a sign of marijuana’s growing normalization in Canada, three major life insurance companies have decided to treat cannabis users as non-smokers, reversing a long- standing policy and offering many of them far cheaper premiums. Like their competitors, Sun Life, Empire Life and BMO Insurance have for years classified anyone who disclosed marijuana use—either recreationally or for medical purposes—as a smoker, saddling them with charges that could be triple those of a non-smoker. In recently released memos, the companies say the latest research on the drug’s health impacts convinced them to change that approach.

KEEP THESE NUMBERS HANDY IF YOU HAVE QUESTIONS REGARDING CPP, OAS, or GIS: The following contact numbers for the Government of Canada will give you information for the Canada Pension Plan (CPP), the Old Age Security (OAS) and/or the Guaranteed Income Supplement (GIS).

Call 1-800-277-9914 (English) 1-800-277-9915 (French) Or go to www.servicecanada.gc.ca

To contact QPP Call 1-800-463-5185 or go to www.rrq.gouv.qc.ca

For general information on Income Security Programs (disability benefits, survivor benefits, etc.) visit: www.hrdc-drhc.gc.ca/isp (English) www.hrdc-drhc.gc.ca/psr (French)

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the simplified prospectus before investing. Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently and past performance may not be repeated. Mutual Funds Provided Through FundEX Investments INC

This newsletter is published solely for the information, education and enjoyment of its readers. All information and opinions contained in this newsletter are obtained from various sources and are believed to be true and dependable, however accuracy of content is not guaranteed. Readers are strongly advised to consult your professional advisor before taking any action as the result of anything herein. Address correspondence and inquiries to Potvin Financial Services, 117 Centrepointe Drive, Suite 320, Ottawa, Ontario, K2G 5X3. Phone: 613-224- 6561 or Fax: 613-224-3608; Email: [email protected]; www.potvinfinancial.com

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