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15 | T h u rs d a y , D e c e m b e r 1, 2 0 1 6 | OAKVILLE BEAVER | w w w .in s id e H A L T O N .c o m How to choose an investment adviser Dollars & Peter Watson Guest Contributor SALES PERIOD | DEC 1 - 7, 2016 SATURDAY & SUNDAY DECEMBER 3 & 4 10am - 4pm FREE KIDS CRAFT WORKSHOP FREE LETTERS TO SANTA CHRISTMAS TOY DRIVE CHRISTMAS WORKSHOPS DEMO STATIONS PHOTO BOOTH For event info visit terragreenhouses.com Sense W IN T E R E L E G A N C E A R R A N G E M E N T S In P l a n t e r Choose any of our $39.99 arrangements and insert into a $49.99 planter for a dramatic holiday look. Reg. $89Bffi C hoosing a financial adviser is often a daunting task. At the Evidence-Based Investing Conference held in New York City in November, I had the opportunity to listen to one of the leaders in the investment industry, Bill McNabb, chairman and CEO of Vanguard. Vanguard is one of the largest investment companies in the world and manages in excess of $3 trillion. About one third of the funds they manage are invested in actively man aged funds. One of Vanguard' s challenges is to select investment man agers for its funds. Individual investors can learn from Van guards process and apply the same logic to selecting their own personal financial adviser. McNabb outlined Vanguard' s five-step selection criteria and I will comment on how it applies to finding the right financial adviser. · One - people Ultimately it is the people you deal with who have the ability to deliver your financial objectives, so this is the logi cal starting point. Regardless of whether a mutual fund investment manager or a personal financial adviser is being hired, it boils down to people. There has to be a good fit, which includes a mix of personality, skills, and professional qualifications. Chooseany colour of our 8" poinsettias, planter Included. Create the perfect festive accent for your home. JO LLY & BRIGHT ARRANGEM ENTS Visit TERRA'S CHRISTMAS TREE LOT | Fresh planter arrangements made daily. Choose from Choose from Fraser Fir, Balsam Fir, Spruce, Pine, Nordmann Fir, Noble Fir. our fabulous pre-made designs. Personalize your planters with these outdoor accents or let our talented design team create a custom planter just for you! $19",( From Reg. $49.98 MADE DAILY FRESH INDOOR \ EVERGREEN ARRANGEMENTS A L L OUTDOOR PLAN TER ACCENTS ·ted styles. · Two - process The process is important because it leads to the selection of specific investments to purchase. Success is determined by the returns of those investments. A logical, consistent process provides the best chance of achieving consistently successful outcomes. When looking for a financial adviser know your priorities and objectives to make sure their investing philosophy matches your needs. · Three - portfolio The selection process of choosing specific investments re sults in the total portfolio. Understanding the strategy of the entire portfolio is essen tial because a diversified portfolio combines the objectives of achieving a good long-term investment return, while at the same time managing risk. Individual investors manage the risk-return challenge by determining what percent of their portfolio will be made up SA V E T IM E ' S H O P T E R R A O N L IN E ' Order your outdoor greens planter online and pickup in-store or we will deliver. VISIT 6" Poinsettia' or terragreenhouses.com FOR DETAILS ' $8.99/each 3$ 2 1 Oval Birch 'Arrangement Double 4" i Poinsettia with Greens Reg. $24.99 Reg. $34.99 see Do on p.16 OPEN 7 DAYS A WEEK Sat - Wed 9 am - 6 pm | Thurs-Fri 9 am - 8 pm C O R R E C T IO N In th e M ic h a e ls ad s ta r tin g o n N o v e m b e r 2 5 , 2 0 1 6 , "A L L E n try w a y & 6 ft. a n d ta lle r tr e e s " w as s ta te d in e rro r. T h e A l b e r t a tr e e ( S K U 1 0 4 8 8 8 7 3 ) is e x c lu d e d fro m t h e offer. W e apologize fo r a n y in c o n v e n ie n c e this m a y have caused. HAMILTON 340 Hwy 20 R.R. 1 East of Upper Centennial (905) 692-6900 | BURLINGTON Hwy 5 East of Brant St. (905) 332-3222 MILTON Britannia Rd. West of Trafalgar (905) 876-4000 WATERDOWN Hwy 6 & 5th Concession East (905) 689-1999 VAUGHAN Keele St. North of Kirby Side Rd. (905) 832-6955 All items while quantities last, subject to availability. Category offers exclude "TERRA Essentials". w w w .faceb o o k.co m /Y o u rT E R R A /w w w .te rrag reen h o u ses.co m W h e r e c o lo u r liv e s !