Real Estate and Mortgage Matters April 1st, 2017
On Saturday morning, April 1st, 2017, Robert Roby of Family Tree Wealth Management, IPC Securities Corporation presented Eric and Geri Cosgrove, Royal LePage Performance Realty Ltd., and Chad and Patty Southwell, Southwell Mortgages to our workshop attendees.
Eric and Geri have distinguished themselves in serving the real estate needs of Ottawa families for over 20 years. They received recognition as finalists for the Professional Service of the Year Award by the Ottawa Chamber of Commerce for their innovative team approach in serving boomers and their parents. Eric and Geri bring a rich experience and expertise to helping clients make a move under sometimes difficult circumstances. Each member of their trusted circle of service provides mutual support to ensure the best of service to their clients. They embrace a careful, consultative approach and offer a one-stop-shopping to seniors who intend to either age in place, or to move on. In their presentation, they discussed the Ottawa real estate market, Ottawa the best place to live, Ottawa and retirement, employment, demographics, immigration, LRT impact on development and prices, new homes, resale, rentals and mortgages.
Chad & Patty Southwell, are an Ottawa based mortgage broker team with over 25 years of combined experience. They offer a one stop shop to over 45 major lenders with a mortgage that is tailored to a client’s needs, whether it’s residential, construction, secondary and commercial financing. Chad and Patty specialize in alternative financing for customers who do not fit the bank underwriting criteria. They work with their customers at assessing their needs and securing affordable mortgage refinancing. At this morning workshop, they discussed mortgage rates and why qualifying is so difficult now, the high-ratio rule, the conventional mortgage rule, and what’s the impact on rates.
Maximizing Your Income By Minimizing Taxes
At our Saturday morning's full house workshop of March 4th, 2017, Robert Roby of Family Tree Wealth Management, IPC Securities Corporation welcomed Denis Chainé, CPA, CA, from Logan, Katz,LLP, SRL. Denis' presentation kept everyone alert for over 2 hours. Denis discussed various income tax matters to help minimize taxes.
In his presentation, Denis touched very important topics including personal income tax rates (Ontario); taxation of various types of investment income, optimum vehicles to hold investments, RRSPs, TFSAs and unregistered; new tax bracket for high income earners; principal residence exemption; major changes in reporting and CRA administrative policies; income splitting; pension income; use of inter-spouse interest-bearing loans; donations and charitable giving; estate planning; disability tax credit; overview of eligible medical expenses; living in retirement establishments; tax credits available to seniors; Ontario Healthy Homes Renovation Tax Credit; estate planning, taxation at death, wills, probate tax, use of beneficiaries; and residency and cross border issues, snowbird, substantial presence test, filing requirements - Form 8840; foreign assets ownership (Florida Condo; US stocks; etc.), filing requirements - CDA - T1135, filing requirements - US - 1040 NR.
Denis' presentation was immensely appreciated by everyone.
Annual Christmas Event Visit to the Elves Christmas Village
On the afternoon of November 27th, young ones, not so young and older, arrived at the Stanley’s Olde Maple Lane Farm and hopped on the horse drawn wagon ride to reach the Elves Christmas Village. Once at the village, they visited Ginger’s Bakery and enjoyed a taste of freshly made cookies, Herme’s Dental Office, the Candy Cane Daycare and met with the Chief Elf Officer at the CEO Station who personally sees that all letters to Santa get to the big man himself. Everyone had fun learning how there are Elf Outposts all over the world where the elves are responsible for the sorting of mail, production of toys, gift wrapping, and kids tracking for their local area.
Back on the wagon ride, to get to the old Stone House Hall where everyone enjoyed a fun time with family and friends and a hot cup of cocoa and sweets.
Santa was nowhere in sight as he’s much too busy to spend time at the Elves Village at this time of the year, but I’m sure he will be seen in the sky on the night before Christmas. Go Dasher, Prancer, Dancer, Donner, Cupid, Comet, Blitzen, Vixen, and let’s not forget Rudolph.
Black Tie Bingo Fundraising Event
November 14, 2016 – Over 330 elegant bingo players gathered for the annual Black Tie Bingo! Fundraiser last Saturday. The third edition of this event was a huge success raising an impressive $63,000 for the Eldercare Foundation of Ottawa and the OutCare Foundation. Funds will be used to purchase important equipment to improve the quality of life of seniors living in non-profit long-term care and those who require palliative care. The Ottawa Conference and Event Centre was transformed into the most elegant bingo hall in the city. Presented by Family Tree Wealth Management, this formal yet fun event was a huge hit with guests enjoying the sweet sound of jazz while mingling at the reception and browsing the impressive selection of silent auction items before taking their seats for a scrumptious dinner. Download the full report on the Black Tie Bingo. (English | French).
(Robert, Diane and Vanessa Roby, with friends Sue Wong, Brian Lee and Bonnie Bowie)
(Honourable Sharon Carstairs, P.C., C.M., OutCare Foundation Chair with Lisa Davey, Executive Director, OutCare Foundation)
Seeing Your Success The Power of Visualization
Saturday, May 14th, 2016, Wayne Watson, CFE, CCP, CPNLP, author, coach, consultant,W2 Investigation Consulting Inc. explained to our exclusive group the keys of achieving their lives goals and objectives.
Wayne is the author of an eBook entitled “Dreams Fulfilled: Some Assembly Required” that is presently available on Amazon.ca. You can learn more about Wayne at www.waynewatsoncoach.com.
Kitchen and Bath Designer Workshop
by Award Winning Designer, Julia Enriquez
Julia Enriquez is an award winning (NKBA & GOHBA) Interior Designer with many years’ experience in kitchen and bathroom design in residential and commercial setting. At our popular October 1st workshop, Julia explained what to expect during the design process, whether for a new application or a renovation, how to set a budget, is this process for renovation for re-sale, or is it a long-term investment and what is the new look. Julia is passionate about her work and it shows through her professionalism and experience. A design professional, Julia described how she can tailor a client’s preferences from the countless options on the market down to the one based on a particular preference.
We had great reviews from this presentation and are looking forward to another one in 2017. Julia may be reached at Astro Design Centre, at email@example.com.
Outcare Golf Classic
The Roby Wealth Team and their friends enjoyed a fantastic day at the Hammond Golf Course and Country Club for a cause that each and everyone of us will perhaps need. The Outcare Foundation raises money for much needed palliative care and on this day raised over $54,000 which will help hospices help those whose families are going through difficult times.
Many of us will one day be in this position and I hope that you and your family will be able to access the phenomenal care and services, which are greatly underfunded.
Raising the Bar Event
What a blast! The Roby Team invited their clients to a client appreciation dinner at San Marco Hall on October 12th, 2015. Over 200 guests enjoyed a wonderful evening with dinner, dance and music. The purpose of this event was to thank their clients for their business and to introduce a new suite of services as part of their commitment to be the best advisory in the financial services industry.
2015-2016 Introduction to Hockey Program
Family Tree Wealth Management, are happy to help support kids playing with the Stittsville Senators’ Team / Rams, in the Introduction to Hockey Program, with Stittsville’s Minor Hockey Association. Kids are having a great time doing something they love, while building hockey skill.
Workshop on Saturday, October 28th, 2016
Challenges Facing Executors in a Complex World - Mr. Norm Bowley, Lawyer, Estate and Succession, LMR Low Murchison Radnoff LLP, on behalf of the clients of Family Tree Wealth Managementpresented timely and important information regarding the risks and duties of executors and trustees. Many attendees were shocked to learn the risks associated with being an executor and power of attorney.
Workshop On Saturday, June 25, 2016
More Than Skin Deep - Dr. Svetlana Bosiljcic-Stojanovic presented on behalf of The Family Tree Wealth Management, to an exclusive group clients, the exploration of non-surgical medical procedures. Many topics covered included, varicose and spider veins, facial injectables (Botox / Dysport / Fillers), facial rejuvenation / cosmetics, PRP, mesotherapy, laser therapy (rosacea, skin tightening), laser hair removal and medical esthetic services.
Workshop on Saturday, April 2, 2016
At our Saturday, April 2nd morning workshop, John Bennett & Joanne Lefebvre, Sales Representatives, Royal Lepage Realty Team, presented on behalf of Family Tree Wealth Management, the different views and analysis of the Ottawa Real Estate Market. Many topics covered included, what’s hot and what’s not, condos, singles, bungalows, towns; when is a good time to put your residence up for sale, what to expect, and the state of the real estate market in Ottawa.