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BusinessLink, Wednesday, October 22, 2008 7 July - September 2008 A & W Restaurant Action Auto Adams Rent-All Inc. APD Printing Inc. Appleby Systems Art of Flowers & More Ashgrove Welding Ltd. Barrager's Cleaners Bergsma's Paint & Wallpaper Ltd. Brilliant Gold Canadian Building Materials/JC Duff Canadian Tire Associate Store Can-Pro Horse Equipment Cattron Theimeg Canada Ltd. Dan Lawrie Insurance Brokers Ltd. Danny's Auto Collision Dawson Home Services Dreamscape Landscaping & Lawn Sprinklers Eagle Ridge Golf Club/ Property of ClubLink Eramosa Physiotherapy Associates Family Optical Felton Bookbinding Ltd. Fendley Florists Fishburn Building Sciences Group Inc. Floraglass Inc. Georgetown Volkswagen Glen Valley Furniture Restoration Inc. GMA LLP GW Farm and Home Services LTD. Habitat for Humanity Halton Restore Haltel Communications Inc. Halton Hills School Of Dance Halton Region - Income & Employment Services Halton Welding & Fabrication Halton Window & Door Company (The) Heal Thyself Clinic & Breast Thermography Centre Im Inspired Impact Heating & Air Conditioning Inc. Intlvac Inc. Joe Spiteri Geological & Mining Consultants John A Gibson Chartered Accountant JSB Solutions Inc. Knowledge Management Enterprises Kwik-Kopy Design and Print Centre Lawlor & Company Links2Care Markeck Manufacturers Inc. McKab Taxi Meldrum, Iain Dr. Mike Francis Insurance Agency, State Farm Mold-Masters (2007) Limited North Halton Golf & Country Club Ltd. Nurseland Farm Papillon's Purification Systems Inc. Pat's Prime Cuts and Deli Puma Golf Ramrock Electric Ricon Consulting Inc. Ronald K. Henry Royal Bank of Canada Sears Authorized Dealer, Georgetown Solinst Canada Ltd Stephen P. Saxe Ltd. Strictly Dance SUPER LUBE Swiss Electric Ltd Tarrah Skin Care - Shirley Katerberg TD Canada Trust The Knolcrest Centre Tiburon Business Services Topper's Pizza Touchpoint Home & Property Services Town of Halton Hills Transitions for Youth United Fire Safety Co. Ltd. Vehicle & Driver's Licence Office Water Magic Water Store Williams Mill Visual Arts Centre Send your questions for any of these professionals: Ask the Professionals Independent & Free Press, 280 Guelph St., Unit 29, Georgetown L7G 4B1 SUSAN S. POWELL Q:My husband and I haveseparated. We want to have a Separation Agreement but my husband does not want to pay a lawyer to prepare it. Can we do it on our own? A:In order to have a valid SeparationAgreement you need to have full financial disclosure from each other which is done by each of you preparing a Financial Statement and swearing in the presence of a commissioner (usually a lawyer) that the statement is true. You also both need to obtain independent legal advise from your own lawyer. The Separation Agreement must also be in writing and dated and signed by the parties in the presence of witnesses. If you are missing any of the criteria then the Separation Agreement is weakened and could possibly be overturned in the future by the court. It is best to make notes for your lawyer setting out what you and your husband agree upon and the lawyer will draft the Separation Agreement and ensure your rights are being protected and help you to negotiate any issues that you are unable to agree upon with your husband. Barbara Byckowski Investment Advisor, BBA, PFP, CFP Email: barbara.byckowski@rbc.com 905-450-1850 SUSAN S. POWELL BARRISTER & SOLICITOR FAMILY LAW 350 RUTHERFORD RD. S. (Plaza 2, Suite 320) on the Corner of Steeles & Rutherford 905-455-6677 Q:Im not sure if I should be lookingfor a second opinion on my investment portfolio. Under what circumstances should I consider a second opinion? A:Hopefully your advisor has been in touchover the last month to discuss the markets and review your portfolio. If you have not heard from your advisor, now may be the right time to ask for a second opinion. Overall, I would suggest that you need to determine if it is a trust problem you have with your advisor. Rob Carrick of the Globe and Mail put out a great article on May 29, 2008 which highlighted the attributes of a trustworthy adviser. According to Mr. Carrick your advisor should: * be comfortable speaking about fees and commissions evasiveness is a warning signal. * have good communications skills talks in everyday language and provide clear explanations without the jargon. * ask questions display curiosity and interest about you as a person. * make time for clients replies promptly to inquiries and doesnt make you feel like youre imposing on a busy person. If you would like a second opinion feel free to give me a call at 905-450-1850. RBC Dominion Securities Inc.* and Royal Bank of Canada are separate corporate entities which are affiliated. *Member CIPF, Registered trademark of Royal Bank of Canada, Used under licence, RBC Dominion Securities is a registered trademark of Royal Bank of Canada. Used under licence. Copyright 2008. All rights reserved. Barbara Btckowski is an Investment Advisor with RBC Dominion Securities Inc. Member CIPF This article is for information purposes only. Please consult with a personal advisor before taking any action based on information in this article. Barbara can be reached at 905-450-1850 . Ask The Professionals 61 Main St. N., Moore Park Plaza 905-877-1913 Newly Renovated New Menu Beer Mon. - Fri. 4 - 6 pmDom. Bottle$2.99 Jugs $9.99 Dom. Pint $3.99 Pint $3.99 Import Pint $4.99 Sundays 1/2 Price Wed., Thurs. The King Beats Sat. Oct. 4th Wings Steelback Live Entertainment (60s & 70s Rock)