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20 - WATERLUU CHRONICLE - Wrdiieulay. December l4. 20| I . _, _ , ”A ,__,.__ _” .3 râ€" , 3 , a»? 3.: .7 firm T12? ‘ . 5‘ F; + |i|)\|\i s5 1‘ [3 :453 U G: B EU E: as :3 Ex; Lu 4 ‘9: or; on) E if} i 5:2 L; p: -7 ...._ __._____1 __A- 3 I ' -' ' -HERBS-SPICES-GERMANA‘I-H'-l -‘ ”Ducrs I Sh b ’ ' ‘ 1 - . . . : are your arm give to receive i I 5 Computerized Food at Envrronmental Allergies, Nutritional Evaluation I a» = and Vector Stress Testing by Nicki - RN : GLigingr: fgood. Good‘fort ytolur C?mm:3ity' food for your charities. good for those who 2 I . hi 'e ive I ne rom yourc an a eac san ona ions. _ , , , , 1 i : 385 Frederick St. 3"" t 5 ad & 08 I“. 5197420691 : givslrlildcg Eaggéngrhyag‘ilnitg your bounty even more appcaling. \ i \1\ l \ _ j I . _ , . . . I (Fmdd‘ M3“) FIX 519-742 7551 ' Your hilantliro ll‘ ill is alwa 's im ortant. no matter the ' .' ’ : . v P s i p M ( ) \ H 2 : Kitchener, omu I m-BaQCBUIk-com I amount of your assets or the size of your income -â€" but to make ' 1 Inun-u--.--â€"-----------n-nun.n--.I--------------------------I ‘he be“ use of your contributions. to preserve your legacy and [0 ‘ m ‘ minimize taxes and/0r estate fees, a sound charitable giving plan 5' 3 : ,y 3 : i is the way to go. let's look at 3 f i 3'5 I , .. ,7, 0.. v, .M - ‘ . ’ ,». 1 . . 17;. ._ . . f '7' ~” "' "“71: our opliunS' Q A. r ‘ I a " e515“; {8‘ ' - , . ' ”fir ,; : ' 5 ' 1w. ’Qrawt‘z’ 515335.593 ‘1'» ' 15 fl ‘ . »- : an: ”as“: " . , _,, v. ' ‘ ~,: , ‘ a: eifif?‘ ‘5 “@212. 97:12 f§ Nam chart a r 1 '7 55>»: ’ . _ 5:151): « .4‘ , r. 5*”. . g4}.- ,1 ea was as" , 1 l V Hm” “mfifitggtfii .: I“? ’ 13; 2177-1 5 3,. £9. 5 z abencfldary V , ._ i 3 S 0» :§ 2: u, ”M fiwgécid i he M4 R T :3” 353"». ‘ a ' f" fi‘: 1 532535; E5 It's the simplest option. ln ’7 v 84 3’ :33}, 1 , z: . - 51:: is g g: 3 9; your will, leave a bequest of 3 . f1“ . ‘c- , “ 1 drug mone or ”ft in kind (secure 1 t W» . r 1 . K . a , v 81 i 3“ S 55%.. L ”5%33' $3.1 ; 7’ ‘ _ $3 35535 §§ ties or artwork. for example) 3 , S 3 -. j ‘ ’ We 5' f_ , : "€33?” 3 éfiégwf'; I 3 55;” 2 a ”‘5 5 to a recognized charity and 1 . . . . . A. .1 , a 1 .7 5" ‘ ' " " ‘ I“? H 1.; . 1: “if”; 7 a . iii-4v 571' a 5H?“ your estate will receive a I at ‘5 _, ’ ‘ - .. .. ' ‘ «. ‘ - * '5 " an?" i ‘ 4.1 :3..- ' , 5. - ~ - - . w . 7,. ,l_ , . 3;; - a”, 2 9% a _ fr'g 3-2 i: charitable donation tax - 6" .. ,_, y if“ V ‘. I a." ‘ F477)?" " _,. y"; 3371‘"? ._ g :3 ‘5 v.33 $5 " receipt that could reduce or W" ‘ " ”A“ "A "M » ‘ , : . i g g; §§§ eliminate the income tax on your final return and Egizgg; :3 possibly on the immediately preceding return, as fl 6 ’4” “53% “a: . 5 V, '.. 9 g a ,i ’3 ' ,r-fi M: y ' gggfiiggggg EstabllnhaDonorAdvisedl-‘imd ‘ ‘ ,_ 3 a s . $;:;. 353;; = l _ :â€" ii 3 5:35;; é . As the donor. you receive an immediate tax receipt 3 1‘5 mi rm tam-nu..." . a igigggfi for all contributions made to the fund and you also , 1 , , .. . . . . 3. , . . . . E 8 §N E retain the rights to select the charities that are to 1 3 ." ‘ i .’ A C {ii i J l "5' "‘ “”55"“ “0“” c’o'hm?'c‘ri£nlrlc my iggggga g g _ receive your fund's annual income. ‘ " S l l 1 ' E ‘ I ; ‘ sad we: 5, 51°53 2mg _ wfifir r, gigggggr Si, mmmmmm. Reminder”. j E : y .. A ' “ «filflfii‘mfin ”9:“; Baum 5“,“;an Hus NS" “an“! § 3 "‘ a g Si _ _ . i “3””? ”a”? "M” l:3” amt-iv 11mins our 3 :- This is an irrevocable trust that can hold assets 1 "on gum 2 3 V i is 55 gfiiis such as cash or mutual funds. All the interest and div- ‘1 1" f g idends are paid to you as taxable income. Upon your 1 high :3 death. the trust assets (known as the remainder) go ‘ , , , _ g! g! k g. E immediately to the charity you have designated. :53 _ §§§ é; When the trust is established, you receive a donaâ€" ! g: gig g3 .‘ .‘ tion receipt for the remainder interest of the trust. ‘ ’ a 3 3 z t 59;. A ; « E r ‘1 :3 .4 - , fl 7‘ 3 gizgjgggjg Donatealitetnsurancepolicywhileyoullve ‘ i I; ‘ ‘1 J I 5 {hf ‘ 335$ With this option. you ensure your charity will "“ w“ "'“" WW” "W E '2 3 F 9 f: 53‘, ~ receive the total death benefit under the policy while 1 .y . .:. “‘“T‘W . .. .NV. . H {5:215:51 . . ;,;' j or; LL“ HRH HUMP” ”I wit-agrilvgiimi 203/ SD HRH? ssiARfiutwRqu 5:1,“:elggf youtnioy crrtiintaxtrcdits ; ; _ r. 5 _ . .y 5' M. A. ' . stir-ism mar / WV a. 'u Hui-cm tau (1 x' i; 3 5:25: : § Donate Publlcly funded stocks or securities mi . . w s , w "T? . . 3 . :2 if) 3-9. a "M" k ' xvii; 15,7 ”0‘ . 5 W .7. " (‘2'; E: f 3 ; 12:7" 3 ; 3 You will my no (a )ital ruins tax on the donated A A u n. 1‘ t t . 3 3 l 1 l i" ""‘ ”" “ ' “W” "V" n“ " ”WV i ,- i i ‘s j; 2' R g securities and Will receive a tax receipt {or their full i l- '. 3 L a value, i a 5: :3: i i; g: . ‘ “ § 3 ; V: 5 5:3 ; Establish a Charitable life Annuity i .19.:JE"‘_3;3 1 : " 3, 2 I :51: r: f; You will continue to receive a lifetime income from I i ’ : 3 .1115 g; 5? the donated assets for yourself. or for you and your i I '~ 5 a ~ , .3 1,: it : 590"“- : . . T 55 £36 a {“52 Much of the annuity cash flow is tax free and you'll ‘ ‘ i '~ 2 I? 3 3 5 51 receive a charitable receipt for a portion of the donar {fig-f; 584$. lions based on the amount of annuity income you w 5 5 {3' I § i3 3% receive and your life expectancy. rum“... _ M :.121.‘~Ǥr£,q. ‘ a : : 1 -. ~ a mu“... 3' a. ; p , : mmmziaizmz" ; .1; ,2: 3:; 5.9: Est-bush a Prime round-non .. ‘ . » J , momma 2 . ,, i A mum: YKIGIOHINDMAII 9555“" 7351 i mm ' ‘Ni'm ”not "P" “m V W!» mm:- r 55531352“; If your donation is very substantial. this’option 5176 or ~: gram; 1 (I 3195 $0 (“at “W“ | g/ = '1‘} «i ‘.‘ 5.; :3 allows your name or family s name to be permanently m. y H... ., w. M M. W ‘ 4 i N“ “‘ '~' “‘ 3:; H mm "M nnuutm m; § 3. £3 E' :3 assocrated With the causes you ve chosen. at w I n auxin; “W":‘fi'fll "W" IW’ Mum mum "“‘5‘ ln‘ : 3g D5 » Ask your professional advisot for help in establish» M" u l " " 0 5,5 .3; V: I ing a planned giving strategy that makes the most of PM! 84 g 51%: E: 57 your bounty for your charities and for you, I.- 1- m l r: his ‘7”. 3§r5328;§é 3 t 5 I! a. L I 3 3 :3. <5 a g, :23 HYUl'lDFlI ”nun; . z a i; g' : 5 L 3 5 7 “ “' 5 WWW-'“Wm gagégggégj "its column isprotvuedbyMcFachnie Group 3| ; E q » ' 1' Private Wealth Management. : aâ€"Lm Jewâ€"x. WWWâ€"W 35:32:55: W.....R...5M.E..hm~.,cmm.W... ‘ ' “Atmnofid snowman Luring:- St N 3555531; 519‘886-2360,2fl.24107g0l0 ‘ 113:“:323 £331? :3 "2:: it: ['x‘xmnm. ’ " u'muiinivsmrsgmup,cont/mmult/riuwll mreachnie l l ”,