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

in si de ha lto n. co m O ak vi lle B ea ve r | T hu rs da y, A ug us t 30 ,2 01 8 | 10 oakville.caCanada's best place to live (MoneySense 2018) Open House: Final Streetscape Elements The Town of Oakville, through its transportation master planning process, identified the need to rebuild and widen Kerr Street between Speers Road and north of the QEW, including building an underpass at the Lakeshore West GO line. This project required the selection of streetscape elements such as light poles, benches, railings, pavers, and landscaping on Kerr Street -- from the rail crossing south to Speers Road. After extensive public consultation, both in-person and online, we have a suite of preferred streetscape elements to show you. Drop in! Thursday, September 13, 6:30-8 p.m. 263 Kerr Street (currently the Oakville Senior Citizens' Recreation Centre building) Drop by anytime. There will be no formal presentation. The streetscape elements will be displayed on information boards and town staff will be on hand to answer any questions. We heard you This meeting is a follow up to the open house held on June 26 and the online streetscape design survey that has been open since June 27. Online feedback still open You have until August 31 to tell us what you think online. Go to oakville.ca and search Kerr Street Underpass Project. Kerr Street Underpass Project Drop in! September 13 Coming soon! New tow truck licensing by-law Learn more and have your say: Special Council Meeting Tuesday, September 11 at 7 p.m.Tuesday, September 11 at 7 p.m.T Town Hall, South Atrium 1225 Trafalgar Road The Town of Oakville is implementing a tow truck licensing by-law this year that will regulate towing prices and ensure that only licensed tow truck companies, drivers and vehicle storage yards operate in Oakville. If you are a tow truck driver or owner or operate a vehicle storage yard, you will be required to obtain a licence in 2018 and renew it annually to operate in Oakville. A draft by-law is being presented to Council at the meeting on September 11. Why tow truck licensing? Tow truck companies provide an essential service in our community. Licensing will help ensure that residents have safe, consistent and reliable options after a collision or breakdown or when their vehicle is towed from private property. Have your say If you wish to speak at the Council meeting, you must register as a delegate with the Clerk's department by noon the day of the meeting at 905-815-6015 or by email townclerk@oakville.ca. Accessibility If you have any accessibility needs, please contact Margaret Boswell at margaret.boswell@oakville.ca or 905-845-6601, ext. 3350 (TTY 905-338-4200) one week before the meeting. Questions? For more information, visit oakville.ca or contact ServiceOakville at service@oakville.ca or 905-845-6601. Does your financial ad- viser lack effective com- munication skills? The formula for suc- cess in receiving any pro- fessional advice is thefessional advice is thef quality of that advice and how it is communicated to you. Good advice poorly communicated will leave you lacking. A recent Ipsos poll con- ducted for Manulife pro- vided two interesting sta- tistics on financial ad- vice. First, one in three Ca- nadians have a financial adviser. We would naturally as-We would naturally as-W sume those clients are be- ing well served. Appar- ently, that is not always the case. Which brings me to the second point. Of those who have a financial ad- viser, approximately half of them only understand most of what their adviser is saying. There are some things they don't under- stand. From my own observa- tions and feedback from many investors over time, I can say that advisers use too much industry jargon. Words and acronyms they fully understand, but un-fully understand, but un-f fortunately, their clientsfortunately, their clientsf do not. In some instances, a client, not wanting to ap- pear unknowledgeable, may be too embarrassed to ask for clarification. If, for example, the cli- ent does not understand the importance of saving for their children's post-for their children's post-f secondary education, or planning for retirement, then those two important life objectives might not be realized. In a perfect world an adviser would have per- fect communicationfect communicationf skills. We know from the study and experience that this is not always the case. So, the challenge to re- ceiving good financial ad- vice is to have good finan- cial communication. Good communication is the responsibility of both parties. Advisers need to re- member who they are speaking with and to speak clearly and in ev- eryday language. They need to pause during a conversation and ask, without judgment, if they are being understood. Then ask the client to put in their own words what has just been discussed. The client also plays an important part. If a client does not fully understand what is being said, they should ask the adviser to clarify. Receiving good finan- cial advice plays an im- portant role in helping you achieve your most im- portant life goals. Good communication between a client and their adviser is critical. Peter Watson, of Peter Watson InvestmentsWatson InvestmentsW MBA, CFP, RFP, CIM, FCSI, offers a weekly fi- nancial planning column, Dollars & Sense. He can be contacted through www.peterwatsoninvest- ments.com. THE IMPORTANCE OF ADVISER COMMUNICATION SKILLS OPINION GOOD COMMUNICATION BETWEEN A CLIENT AND ADVISER IS CRITICAL, SAYS WATSON PETER WATSON Column SIGN UP FOR OUR WEEKLY NEWSLETTER AT INSIDEHALTON.COM VISIT US ONLINE @ WWW.INSIDEHALTON.COM