What's In A Name?

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What's In A Name?

The financial services industry is a highly regulated one that includes many mandatory requirements. Compliance plays a large role in our day to day business. We are business owners, with overhead costs, etc. who are required to operate within these specific guidelines.

     As you are aware over the years our name on our letterhead has changed many times.   For Gary and Deb, we have been known as financial advisors with Regal Capital Planners; the owner Paul Rockel sold the firm to Cartier Partners, which subsequently became Dundee Private investors - owned by Ned Goodman.  When Mr. Goodman was ready to retire, he sold to Scotiabank.  Scotia named our firm HollisWealth, seeing as the first Scotiabank in Canada was on Hollis street in Halifax it made sense and the name stuck. 

     We had very much gotten used to HollisWealth as had you our clients.  In August of 2017 we were sold by Scotia to Industrial Alliance which has a few subsidiary firms underneath the main company - Investia Financial Services Inc.  being one of them. Recently Investia decided to drop the HollisWealth name to become more efficient as a company and low and behold we are now known as Investia. 

     Kelly took a similar path except he started his career with Hewmac, which was subsequently bought by Canadian First Financial Group (CFFG).   We have all ended up where we are today. 

     We are aware that so many changes can be very unnerving for our clients.  Logistically speaking over the years our letterhead has changed, our office signage has changed, our back - office systems have changed.  The constant in this change has been Kelly, Gary and Deb.  

     Change is inevitable in our industry.  We decided to do something about it more than two years ago to prepare for the next name change.  That time is now.   

     Welcome....Lifeview Financial - our trade name owned by Kelly, Gary and Deb. We spent almost two years creating this trade name. It was important for us to get it right. Choosing a name was very difficult as we wanted it to reflect us and our relationships with our clients.  From now on no matter what our Dealer’s name is, we will always be known as Lifeview Financial.  As a result of legal and regulatory requirements we also need to acknowledge our association with Investia.  On communications from our office to you will see both names and on any communication from our head office you will likely only see the Investia name. 

      Over the coming months we are going to introduce you more and more to Lifeview Financial - it is our baby!  Lifeview Financial is meant to revolve around our clients’ lives – where they are and where they want to go and our view on how to get there together.

     In summary, what’s in a name?  In our opinion it is primarily the people that matter most.  We are here to continue to provide our clients with exceptional service and to go above and beyond when and where we can. 

We hope this helps to clarify the ‘name’ issue and where we stand.  As always, we would appreciate your comments.  Rest assured - with more than 70 years plus of combined experience amongst us, we are here to help you and your family in achieving your financial goals and dreams at each of your life stages. 

Different Perspectives.... One Life View is our Lifeview Financial motto.

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Tuning Out The Noise

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Tuning Out The Noise

Tuning out the Noise

Recently while doing research with a potential new partner in Toronto we listened to this video that we would like to share with you.  It is very fitting in the current environment we are in.  We are constantly being bombarded by opinions through traditional and social media channels. 

 

The video, entitled “Tuning out the Noise” is very consistent with our views.  

Take a few minutes and listen - let us know your feedback in the comments below.  We hope you find it interesting.

At Dimensional, we believe that the right financial advisor plays a vital role in keeping investors focused on what really matters. To find an advisor in your area, visit https://us.dimensional.com/individuals

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Remembrance Day 2019

Remembrance Day 2019

November 11th... A Time To Remember

Recently we took some time to visit the Beaches of Normandy (France).  Remembrance Day has always held a dear place in our hearts.  We, (Kelly and I) went to experience and reflect where many Canadians lost their lives, to experience where ‘it all happened’ – Omaha Beach and Juno beach (the Juno Beach centre and its tours are run year round by Canadian students).

We went to pay our respect trying to comprehend what ‘they’ did for us those many years ago.  Hoping we might have had the courage and fortitude to match theirs, had we been there that day. We went to remind ourselves of the gifts society so often takes for granted these days.  

The grey day was solemn, sombre, and yet eerily peaceful at the same time – like you would expect it might have been many years ago before war touched it.  This ominous experience allowed us to be very introspective and reflect on each of our lives and those who have gone before us.   Walking these beaches (Kelly actually walked bare foot in the ocean staring up at the cliffs) it was easy to imagine how enormous a task capturing those shores would have been.  Later walking through the thousands of solemn crosses in cemeteries - the cost was obvious, no longer needing to be imagined.

Hours later that day, walking alone along the cliff tops, in between quiet raindrops, silent together in our own thoughts… the sky surprised us, clearing to the most beautiful late afternoon sky.  Beauty after the storm……….. our grey day of reflection turning suddenly to breathtaking beauty….. a spectacular double rainbow.  It definitely reminded us of the wonder of what we have.  How life changes from dark to brilliance in a blink of an eye. Their sacrifice bought our peace.  It brought to light how important it is to stop and take time to appreciate what we have.

A lifetime goes so fast……. we hope to remember to take the time to appreciate every moment.

When you see poppies or wear a poppy this Remembrance Day, remember that we have the lives we have today because so many people gave their lives unselfishly for us to experience the freedom we have in 2019.

Kelly & Deb

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 P.S. 75 years ago this year the allied forces stormed the Beaches of Normandy…..take time to remember….take time to teach a younger generation to remember.

2nd Place Essay Winner of The 2019 Helping Hands Scholarship

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2nd Place Essay Winner of The 2019 Helping Hands Scholarship

Elijah- 2nd Place Helping Hands Scholarship Winner

My Life Goals

By Elijah Zimmerman

“I am Elijah Zimmerman and I am of seventeen years of age as of July 26, 2001. I am the fourth and youngest child of Rosanne and Bernie Zimmerman. I grew up on the family farm outside of Emo Ontario and worked on it throughout my childhood and through elementary to high school. I am currently applied and accepted in a history program at The University of Trent. My community involvement has been mostly of advisement and counsel for other youths within the area, I enjoy history and am intrigued by the legal system and it is what I plan to study, and I plan to enter criminal law as a prosecutor or defence lawyer. My life goals for an education and career as a defence lawyer or a prosecutor are reasonable aspirations because of my abilities and experiences that favour those goals, but the Helping Hands Scholarship would also be instrumental in allowing me to pursue them.

I have a long history of community involvement. Even before high school I was involved in numerous fundraisers for my church, my school, and charities such as the Salvation Army and Development and Peace. Entering high school, I was a member of the Fort Frances Junior Band and Intermediate Band for three years, as well as an actor playing Wes for “Footloose The Musical.” Beyond local art, I was also a junior counselor for Discovery Camp for two years, amounting to well over one hundred hours volunteered there. Discovery Camp is a local bible camp that tries to initiate a sense of community, a sense of belonging, and tries to strengthen education about Christianity. Just this year I was involved in a school fundraiser for the school’s “Chem Free Grad” which provides a safe environment for highschool graduates a safe place to celebrate were they will not abuse drugs or alcohol. The fundraising was split into various events throughout the year and the one I worked on, the bake sale and barbeque, had the largest revenue in school history, raising in excess of fifteen thousand dollars. I also was academically inclined throughout high school and was in the Advanced Placement English program which carries with it the possibility of counting for a first year university credit. This culminated into the school approaching me and asking if I would like to join their tutoring program where I would be helping other students in their classes, to which I accepted. I spent about forty hours volunteering to tutor in my grade twelve year. My volunteering has mostly been about helping youths and helping them realize their own potential, and that is also the part of my volunteering that I am most proud of.

I have not always been interested in law, but I have almost always been interested in history. Even in kindergarten you could find me reading, or at least looking at the pictures in history books, specifically the second world war, a passion still present and securely with me today. I took grade twelve history in grade eleven, skipping grade eleven history. During my late middle school and early highschool grades, I was interested in programming and game design taking a few classes in it. But in grade eleven I changed my focus to law as I became interested in it and as it had a more promising future if I follow it. I became increasingly interested in law as I took a law class and I followed current cases as they were released to the public on my own. I started following the history of law from the Babylonian Code of Hammurabi, to Mosaic Law, Roman Law, and British Common Law which is the basis for our modern Canadian law. Along with this I looked over the contents, evidence, and the results of many older and newer cases in Canada and the United States, blending the pre-existing and long-lasting interest of History with the new interest of law. This allowed me to understand the law more intimately and I became increasingly interested in pursuing the many careers of law, from lawyer and lawmaker to police officer. I always sought justice for others throughout my life, which is most likely one reason why I took a quick liking to it. I would often come to the defence of classmates if they became the targets of teasing or harassment and would make a conscious effort to treat everyone with respect. Another reason I have taken a quick liking to the study of law is that I like to debate, whether it be philosophy or politics, I often engaged in debates with those around me if they had formed an opinion of their own on the matter. The idea of debating and finding the truth for a career thus became appealing to me for that reason as well. After I became so enthralled and moderately proficient in law, I decided I would pursue a career in being a lawyer. History is one of the most common undergraduate degrees among lawyers and is considered to promote critical and sequential reasoning which is why it is so common. My love of law and history is sure to propel my journey through post secondary school.

 

Even before I was interested in law, I always sought justice in the world. As a child I wanted to make sure everyone was treated fairly and I often took it upon myself to do so. I would be sure that everyone was included in activities and would often make friends with those described as more troublesome and help them through their difficulties and disadvantages in school. This led me to be highly revered in my classes and schools among both the teachers and students. This regard by my peers led to my winning of the student council class representative. Although the class representative role meant I had to give up many breaks for council meetings, for there was at least one a week, I took the position and my responsibility to my class seriously and was not deterred. Knowing that the other classmates were able to go on break while I participated in a meeting at an age most people would choose the break did not bother me for two reasons: Firstly, I had a duty to my class and school to represent my class to the student council. Secondly, I did not become disinterested in the face of it; I found as much pride and joy in my service as someone my age possibly could. I developed these values of justice, duty, and initiative throughout my childhood and they are something I brought through highschool and I bring with me as I leave. As a defence lawyer or prosecutor in criminal law, these values are important not just for the job and pay, but to make considerable contributions to society. I was always disheartened by societal injustice, by those left behind unfairly, and by those who escape punishment for their actions. Because of this I always attempted to make a more just community. I would form friendships with people in all groups and help people through school or life. I helped people get over problems and helped people mend relationships. In a few distinct cases I was able to talk with someone who was struggling with severe mental health, someone who thought that they could give up on life, thankfully they did not and I was able to refer them to resources that could help them. It is not always fun to help people, people in desperate situations can express many different emotions. Anger, sadness, depression, dread, and fear all come from those who need help. In criminal law, it is no different. There are people from all places and positions in society, in all sorts of situations and circumstances. But despite it being hard sometimes I try to help anyone I am able. In my career, I want to aid people, including people overlooked or dismissed by society; victims and the wrongly accused alike. A defence lawyer or a prosecutor is in a primary position to help these individuals. As a defence lawyer or a prosecutor, I can argue for justice, for those who cannot speak for themselves, and for a better society for all those who need it, regardless of race, religion, or any other label placed upon a person. That is what I hope to achieve in my career.

Therefore, I would appreciate and be thankful for the help offered by HollisWealth’s Helping Hands Scholarship in fuelling my life goals of achieving an undergraduate in history, going to law school, and becoming a defence lawyer or a prosecutor, which I intend to follow dutifully. I hope my community involvement with the youths, my investment into history and law, and my aspirations of being a prosecutor or defence lawyer are evident of that. My trip from Emo to Oshawa and into adulthood to study history and law is not going to be easy for me, but it is important.”

-Elijah Zimmerman

 

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1st Place Essay Winner of The 2019 Helping Hands Scholarship

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1st Place Essay Winner of The 2019 Helping Hands Scholarship

Carter- 1st Place Helping Hands Scholarship Winner

My Life Goals

By Carter Metcalf

     My name is Carter Metcalf, I am 18 years old. My parents, Nancy and Chad Metcalf are clients of Gary Elder. In August I will be attending the University of Ontario Institute of Technology, for Mechatronic Engineering.  I am starting one week early, as I have volunteered to be part of the University’s welcoming committee and move-in crew. I thought this was an excellent way to meet new people and start giving back to the university.

     I love that I grew up in Ontario, a province that has four seasons, amazing opportunities to explore, learn about nature and meet new people. I have dedicated as much time as possible to make it an even greater place to live. I accumulated 895 volunteer hours during my high school career, and I hope that I am setting a good example for my peers and particularly boys my age. I feel like young men get a bad rap, are overlooked or even undervalued and sometimes I think they struggle to see ways they can contribute.  I am not sure if society better recognizes this potential in girls, but I have worked very hard to dispel the stereotype that high school boys aren’t involved or interested in being involved. I have always wanted to please people and maybe more importantly I have wanted to feel good about the decisions I make. I believe that hard work, helping others and contributing to society through solving problems, is important.

     I work hard at school and have always achieved Honour Roll Status. In grade 8 I was voted valedictorian, both by my classmates and the school staff. In high school I continued to demonstrate active leadership and have been involved in many activities including being a grade 9 mentor, grade rep, member of band council and a member of the Relay for Life Committee. I played in three school bands and I was sectional leader. This was a huge time commitment, having a minimum of three practices a week with additional sectional practices over lunch. Outside of my nearly 900 volunteer hours, I coordinated two large band fundraisers that helped offset our costs to travel to New York and play at Carnegie Hall. I competed with the high school badminton team and play in the city league. I graduated with 5 extra high school credits (in my four years of high school) as I elected to take on-line courses and summer courses to allow time in my schedule to participate in music, technology courses, co-op and a year-long missions leadership program. I have two part time jobs during the school year. I taught Mytes skating twice a week and I am a swim teacher on the weekends and pick up shifts during the week when I am needed. I really enjoy working with the young kids in our community and helping them feel excited and proud of their accomplishments. I participated in Single A hockey but found that the coaching staff was often verbally degrading and demoralizing. In my final year of competitive hockey, the coach was demeaning to a few players and two of those players quit the sport altogether. I still loved the game of hockey and I wanted to play, so I continued with house league and I vowed I never wanted anyone person or child to feel that way, so I made sure I was the best Mytes skating coach I could be. I worked for seven years with the city’s Mytes skating program and I often coached the most shy and fragile players, helping them to feel confident and proud of their accomplishments. In the summer I run a swim program and last year we had a record number of registrations. This is a program that offers free swimming lessons to any child that registers, with the hope of preventing any drownings in the region. I was responsible for teaching, organizing, assessing and communicating with over 130 children and their families. It was an incredible amount of work and responsibility, but I really learned a lot and all the kids had a fabulous time. I have been rehired to run the program this summer and because of the program success, I was asked to run a similar program in another northern community.

     In grade 11, I participated in a year-long Missions Leadership Program, with focus on local, national and international missions’ activities. We travelled to Ecuador and helped build a school. It was an incredible experience that involved hours of work outside of the normal school day. I collected nine packed suitcases of new clothing, sundresses, baby layette sets and book bags. It was an amazing feeling being able to provide our mission group with these items and donate them on our trip. Recently, because of my school involvement, I was one of five students awarded a School Letter, which is awarded to students who have accumulated a minimum of 800 points. The points are awarded in categories and are weighted, based on grade averages, involvement in music, sports, clubs, mission work, councils and school events. I was the only male student to receive this honour and I hope that I will inspire other male students to get involved.

     Along with being busy with school, music, work and sports, I try and volunteer as much as possible. I have accumulated 895 volunteer hours during my time at high school. I have participated in parades, Rogers Home Town Hockey, Ontario Winter Games, Fundraisers for animal shelters, helping seniors, neighbourhood clean-ups and what I am most proud of, is that I established a network to divert useable goods from a casino warehouse to charities instead of going to the landfill. In April the casino and local newspaper highlighted this work.  In the past two years I have helped divert over 100,000 items from landfill. These items, deemed as scrap by the casino, are all reusable and often new. I pick up any items that can be directly used by a local charity and deliver them. This winter I delivered cases of surplus hot chocolate mix to the men’s shelter and Legion. I have set up a new dining hall in the men’s shelter with tables, giving them additional seating to service more clients. I take linens weekly to local animal shelters. This diversion program has even helped create a re-sale program that creates a revenue stream for a private no-kill cat shelter in our city. When unique items come available, I find creative ways to rehome or repurpose the item, while still helping charities. I am very proud of how many items have been kept out of our landfill and how many charities have been helped. One of the reasons I chose to attend the University I did, was so that I could come home more frequently and continue to support this program.  Another significant volunteer position I have is as the trail steward for a large provincially advertised walking trail and nature area. After I had volunteered for years helping with trail maintenance, I was asked by the board to take on this official role, which makes me accountable to the board for trail maintenance, trail promotion and fundraising.

     From a very early age I told my teachers that I wanted to be an inventor when I grew up. I liked the idea of creating something new and something useful. As I grew older and realized there wasn’t a university course for future inventors, I thought that engineers were inventors, and they did have a program for that. I have never strayed from that vision. I like the idea of being creative, solving problems and improving lives and the environment, with principles regulated by the rules and order of science. When I learned of the multidisciplinary degree that Mechatronic Engineering offered, I knew I had found my future program. I was excited and proud to be accepted to several university engineering programs, but I chose to accept my offer at the University of Ontario IT, recently rebranded as Ontario Tech U.  For many reasons this feels like a perfect school for me including the fact that I could still come home to help with my waste diversion program, contribute and participate in community wide events throughout the year and stay connected with my family and friends.  Ontario Tech U is one of only a few universities that offers Mechatronic Engineering, so I was excited to be able to take my program of choice at my university of choice.

          Throughout my schooling, I hope to secure several co-op placements, that will give me exposure to new fields and hopefully direct me to a final career destination.  I spent a day in the SNOlab in Sudbury and I would love to spend more time in mines and explore that possibility as a full-time career.  Either in my career or in a volunteer capacity, I want to be able to develop robotic type systems that can help save our planet. We need to get the plastic out of the lakes and oceans, out of landfill and out of consumer products. With my family’s involvement with the Canadian Guide Dogs for the Blind, several animal rescues and wildlife rehabilitation centres, I have developed a passion for giving back. In my career or continuing my volunteer work, I would like to be able to build affordable aids to assist disabled people, disabled pets and injured wildlife; contributing to their quality of life. I would love to design and build these affordable aids and donate them to people and rescues in need.  I want to make a difference and I want to help the planet before it is too late. I have grown up in a family that has instilled the principle of giving back more than you take, to being kind to others and to protect animals and the environment.  Our planet is on the verge of irreversible damage and while I do everything I can to minimize my footprint, I want to do more to help reverse the damage done and protect our future. I’d like to be able to raise a guide dog in my upper years of university, as the guiding association is always in need of students for this role. On a personal level, I would like to increase funding opportunities to students to help them with the costs associated with their schooling. I’d like to help Ontario Tech University become aligned with the Loran Scholar Foundation. I was selected as a semi-finalist for this prestigious award and spent a day in Toronto being interviewed multiple times by committee members. Unfortunately, my University of choice, was not affiliated with this incredible program and I was not selected as a finalist. I would love a future UOIT student to have this opportunity and have the support of the Loran Scholar community. I have been nominated for an Order of Orillia award, and am a finalist. This is a nonmonetary award, but highlights community members that have given back to their community. It is an honour to be nominated and considered for this award. If I am selected as a finalist, I hope that it inspires other teenagers to be involved in their community and to find ways to give back. 

     While some of my life goals feel well defined, I think others will come into focus as I further my education. I do know that I will continue to support and grow my charity work and hopefully I will inspire the next generation to get involved.

Carter Metcalf 

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