The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

www.insideHALTON.com | OAKVILLE BEAVER | Thursday, July 4, 2013 | 10 Both partners should work together on financial planning and investment issues continued from p.9 and run out of money. This is definitely something both parties should discuss together with their investment adviser. The second area we recommend both partners address is the overall investment strategy. Use a more high-level approach as opposed to talking about specific investments. How much will you invest in stocks and bonds? What geographic diversification will you have in order to protect yourself from a decline in value of a specific type of investment or a specific part of the world? The investment strategy is contained in an Investment Policy Statement presented to you by your investment adviser. This is the architectural design of your investment portfolio similar to that of a house you plan to build. It is important to have an investment strategy because then you will understand what type of specific investments you should purchase to meet your financial goals. Achieving financial goals is an integral part of life. These are a reflection of family values and impact how you live your life. Both partners should work together on financial planning and investment issues. Ontario is striving to have gender equality at important senior levels of business where financial decisions are often made. Partners are encouraged to have gender equality with family financial decision-making matters where both the parties work together as often as possible to achieve financial objectives. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner McTavish Travel Collette Tours has launched a selection of tours in association with the prestigious Royal Horticultural Society called RHS Garden Holidays. Immerse yourself in the timeless beauty and incredible history of Northern Italy on this horticultural adventure. Join a member of the Cicogna Mozzoni family on a discovery of the stunning gardens of the Villa Cicogna Mozzoni. Travel via boat to experience the glorious gardens of both Isola Madre and Isola Bella, the treasures of the Borromeo family. Tour the extraordinary 18th century Villa Serbelloni and gardens. Cross the border into Switzerland where a local expert waits to lead you through the gardens of the Villa Heleneum. A cableway to the Alpinum Garden offers unmatched insight into unique alpine plants and spectacular views of the famed Lake Region. Experience the glory of Venice, the paradise of Como and the beauty of Lake Maggiore. Throughout your journey, delight in local wines, charming towns and enchanting gardens that make this part of the world special. The 10-day, Gardens and Villas of the Italian Lakes land-only rate includes 8 breakfasts and 4 dinners and is priced at CAD3,399 24AUG12, 07SEP12; CAD3,449 27JUL13 and CAD3,559 22SEP13, based on double occupancy. Make the tour air-inclusive, and receive free sedan service to/from Toronto GARDENS OF THE ITALIAN LAKES Pearson Airport, and save $200 per couple for early booking. Call us for details on this garden tour, or any of the Royal Horticultural Garden Holidays offered. www.collettevacations.ca Come to Bermuda and experience some colourful moments for yourself this summer. Kayak through sea caves, follow a rainbow fish around a coral reef, wakeboard on sea foam surf. Or simply dig your toes into the warm pink sand, stretch out and do absolutely nothing. Discover why summer in Bermuda is so much more colourful, and closer than you think ­ less than three hours from Toronto on Air Canada or WestJet. Book by 31JUL13 for travel until 31OCT13 and receive a guest room credit of USD300.00 at these participating hotels: Fairmont Hamilton Princess, Fairmont Southampton, Royal Palms Hotel, Grotto Bay Beach Hotel, The St. Georges Club, Rosedon Hotel, Newstead Belmont Hills Golf Resort & Spa, Pompano Beach Club, The Reefs, Pink Beach Club, Cambridge Beaches and Elbow Beach Hotel. Call us for reservations! www.gotobermuda.com BERMUDA SAVINGS Suite 300, Hopedale Mall · 1515 Rebecca Street, Oakville 905.827.1100 travel@mctavish.com www.mctavishtravel.com Ont Reg No 1437985 Brand name flooring. Low prices. Always in stock. Featuring SmartStrand® SilkTM Luxuriously soft. Exceptionally durable. MOHAWK® SMARTSTRAND® SILKTM CARPET PLUS $ .49 sq ft Free Basic Underpad Included* 3 PAY NO TAX!* We will pay the equivalent of the HST for you when you purchase our regular priced, in-stock flooring only. In order to receive this offer, you must present this ad at the time of purchase. Cannot be combined with any other offer; expires July 7, 2013. Valid at the Mississauga West (3050 Vega Blvd) End Of The Roll location only. BRING IN THIS AD AND... Hurry in! Offers valid July 4th ­ 7th LO TH C IS ON ATI LY ON ! Mississauga West | 3050 Vega Blvd (Dundas & Hwy 403) Now offering FREE Shop @ Home call 905.820.7655 *See store for details. In order to receive these offers, you must present this ad at the time of purchase. Cannot be combined with any other offer; expires July 7, 2013. Valid at the Mississauga West (3050 Vega Blvd) End Of The Roll location only. HARDWOOD CORK AREA RUGS LAMINATE VINYL CARPET