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in si de ha lto n. co m O ak vi lle B ea ve r | T hu rs da y, A pr il 11 ,2 01 9 | 12 oakville.ca Join us Friday, April 12 • Sixteen Mile Sports Complex, 3070 Neyagawa Boulevard from 3:30 to 5:30 p.m. • Trafalgar Park Community Centre, 133 Rebecca Street from 9:30 to 11:30 a.m. Skate and helmet rentals are available during FirstOntario skates. $6.22 skates l $3.11 helmet l $7.35 combo rental Capacity restrictions apply. Visit oakville.ca for details. Sponsored by FREE P.A. Day Skate Last call for nominations! 18TH A N N U A L Time is running out to tell us about your favourite Community Champion. We're looking for Oakville's shining stars whose volunteer efforts are bringing us one step closer to becoming the most livable town in Canada! Thank you to everyone who has already submitted a nomination. Nominations will be accepted in the following categories: • Access Award, sponsored by Access Abilities • Arts Award, sponsored by The Oakville Beaver • Group Volunteer Award, sponsored by the FirstOntario Credit Union • Heritage Award, sponsored by Genworth Financial Canada • Individual Volunteer Award, sponsored by the Oakville Community Foundation • Senior Award, sponsored by Chartwell Waterford Retirement Residence • Youth Award, sponsored by RBC Royal Bank Nomination forms are available at oakville.ca. The nomination deadline is Wednesday, April 17 at 4 p.m. For more information or to request a paper nomination form call 905-845-6601, ext. 3976 or email csa@oakville.ca. Public notice of pesticide use Commencing on April 22, 2019 weather permitting, and ending October 11, 2019, the Town of Oakville intends to control weeds in medians and shrub beds along the following roadsides and parks: Lakeshore Road, Church Street, Robinson Street, Dunn Street, Reynolds Street, Navy Street, Thomas Street, Allan Street, Trafalgar Road, Randall Street, Kerr Street, Bronte Road, East Street, Nelson Street, Jones Street, Marine Drive, Upper Middle Road, Third Line, Dorval Drive, Neyagawa Boulevard, Cornwall Road, Dundas Street, Bridge Road, Rebecca Street, within the Town of Oakville, using the pesticide Finalsan Pro Commercial Concentrate containing active ingredient Soap (ammonium salt of fatty acids) Registration No. 30012 under the Pest Control Products Act (Canada). For further information contact ServiceOakville at 905-845-6601 (TTY 905-338-4200). Collect calls will be accepted from individuals calling long distance. Female investors have become a major force in the personal investing busi- ness. Financial planners need to take note. According to a report re- leased in March by CIBC World Markets Inc., femaleWorld Markets Inc., femaleW investors control $2.2 tril- lion of personal financial assets. That number is ex- pected to grow to $4 trillion within the next decade. The report is titled "The Changing Landscape of Women's Wealth." The co-Women's Wealth." The co-W authors said for the wealth management profession this won't be business as usual. According to CIBC re- search there are both simi- larities and differences in the way men and women in- vest. Both men and women prefer an investment ap- proach that focuses on their personal financial planning needs, as opposed to a sole focus on invest- ments. Two thirds of men prefer this approach and with women that figure is close to 80 per cent. However, there is a sig- nificant difference be- tween men and women when it comes to work-life balance. Women are more likelyWomen are more likelyW to reduce their working hours or leave the work- force entirely in order toforce entirely in order tof care for children, a spouse or aging parents. That ca- reer decision has financial implications. The reduction or elimi- nation of an income affects women's ability to save for retirement. The signifi- cance of this is enhanced as women usually live longer than men. A longer life means a longer time to be financial- ly independent during re- tirement. Due to this, wom- en should be saving more, not less, than men. Women who aren't maximizing their earning potential are not able to maximize their savings. In my opinion, financial planning for a couple should focus on the age of the woman. Women are of- ten younger than their male partners and if you consider gender longevity, many women could survive their husbands by 10 years. If a couple begins to run out of money in the last de- cade of the man's life, it could be the widow who lives her last years in finan- cial difficulty. Financial planners should stay away from gen- der bias, but instead take into consideration the dif- fering financial situationsfering financial situationsf between men and women. Women's financial plan-Women's financial plan-W ning and investing should account for all the realities of their lives. Peter Watson, of Peter Watson Investments MBA, CFP®, R.F.P., CIM, FCSI offers a weekly financial planning column, Dollars & Sense. He can be contact- ed through www.peterwat- soninvestments.com. FEMALE INVESTORS A MAJOR FORCE IN FINANCIAL INDUSTRY OPINION WOMEN'S WEALTH LANDSCAPE CHANGING, WRITES PETER WATSON PETER WATSON Column