2019 | CORPORATE SOCIAL RESPONSIBILITY
A GUIDE TO BRITISH COLUMBIA’S PHILANTHROPIC OPPORTUNITY NON - PROFITS t FOUNDATIONS t CULTURAL ORGANIZATIONS
INSIDE
“In our changing world, our giving must evolve.” – WCPD’S PETER NICHOLSON ON FUTURE OF GIVING
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CONTENTS
2019 | CORPORATE SOCIAL RESPONSIBILITY
6 A GUIDE TO BRITISH COLUMBIA’S PHILANTHROPIC OPPORTUNITY NON - PROFITS • FOUNDATIONS • CULTURAL ORGANIZATIONS
INSIDE
“In our changing world, our giving must evolve.” – WCPD’S PETER NICHOLSON ON FUTURE OF GIVING
PRESIDENT: Alvin Brouwer EDITOR-IN-CHIEF, BUSINESS IN VANCOUVER; VICE-PRESIDENT, GLACIER MEDIA: Kirk LaPointe DESIGN: Petra Kaksonen PRODUCTION: Rob Benac DIRECTOR, SALES AND MARKETING : Pia Huynh SALES MANAGER: Laura Torrance ADVERTISING SALES: Betty Jin, Blair Johnston, Corinne Tkachuk, Chris Wilson ADMINISTRATOR: Katherine Butler Giving Guide is published by BIV Magazines, a division of BIV Media Group, 303 Fifth Avenue West, Vancouver, B.C. V5Y 1J6, 604-688-2398, fax 604-688-1963, biv.com. Copyright 2019 Business in Vancouver Magazines. All rights reserved. No part of this book may be reproduced in any form or incorporated into any information retrieval system without permission of BIV Magazines. The publishers are not responsible in whole or in part for any errors or omissions in this publication. ISSN 1205-5662
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FEATURES 4
NEED OF CARE Philanthropy grapples with major challenges 6 EYE ON THE FUTURE Innovations in giving 12 HELPING CLIENTS BE ‘SIGNIFICANT’ CEO helps redefine philanthropic leadership 20 IN A CHANGING WORLD, OUR GIVING MUST EVOLVE Working with Canada’s top donors
Publications Mail Agreement No.: 40069240. Registration No.: 8876. Return undeliverable Canadian addresses to Circulation Department: 303 Fifth Avenue West, Vancouver, B.C. V5Y 1J6 Email: subscribe@biv.com Cover photo: Shutterstock
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GIVING GUIDE 2019 PUBLISHED BY BUSINESS IN VANCOUVER
NEED OF CARE From 5,000 feet in the sky, we live in paradise. From the street, we live in some peril
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T
he complacency about our conditions comes about easily: halfcentury-best unemployment means jobs aplenty, historically low interest rates help spur palpable prosperity in our midst, and national poverty levels are in decline.
Trouble is, they aren’t the full picture. Our most recent measurement of median household incomes in Metro Vancouver ranked us 15th in the country. Our median household incomes of degree-holding residents ranked us 11th, suggesting a well-educated poor. Our most recent measurement of family incomes didn’t place us in the top 20. One in five British Columbian children live in poverty. T he rate is in slight decline but higher than the national average. We have more than 2,200 residents, nearly half of them youth, living on the streets or in emergency shelters – the highest total since 2002. Income inequality has grown. We may be the “supercar” capital of Canada with unaffordable housing, but the richest one-tenth of families earn 11 times more than the poorest one-tenth, a spread that is widening. Of course, the super-rich are in a different category entirely; one study suggests the 10 richest B.C. families are wealthier than the poorest 1.32 million residents of the province. Which gives great reason for the support of endeavours that reach out to the most disadvantaged. We cannot be smug about the positive conditions if we have lurking some great challenges. Anne Frank famously said, “No one has ever become poor by giving.” Winston Churchill echoed: “We make a living by what we get. We make a life by what we give.” And thus was quoted St. Francis of Assisi: “For it is in giving that we receive.” We are a progressive, compassionate, civil nation, and Canadians can rise to the occasion, but there are differing views on how well. A report this year, Canada Giving 2019 from the Charities Aid Foundation, indicates one in three lend their time, nearly two in three contribute funds, and nearly three in four engage in some form of charitable activity. Those are not numbers of an indifferent country. The median contribution in 2018 was not much changed from earlier: $105. About the same percentage, 29, supports charities aimed at the poor and aimed at children, three points ahead of religious organizations. What makes us do so? The report says it’s simple: Caring about the cause. That emotional connection is
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the impetus to spend our money and time in support. Statistics Canada, in its compilation of tax filing data, suggests there was a 7.7% increase to $9.6 billion in donations reported by Canadians in 2017, the most recent year for which information is available. British Columbians were the fastest-growing donors in terms of dollars, up 18.9% in 2017, after rising 7.1% a year earlier, so the message of need appears to be getting through. Among B.C. cities, Abbotsford-Mission ranked highest – even highest in the country – at $840. This is not news. The census metropolitan area has led Canada for 16 straight years. Vancouver, it should be noted, finished behind Lethbridge and Saskatoon to finish fourth at $480, up from $460 a year earlier. That being said, the most recent report from CanadaHelps, the 2018 Giving Report, paints a picture of a sector facing challenge and even crisis: donations in decline among all age groups and among the wealthiest, with the largest charities also receiving the strongest governmental aid and most missing out on opportunities for assistance. It leaves smaller operations dependent on individuals and corporations, even if that element of the sector is as large a contributor to the economy as small- and medium-sized businesses. StatsCan, too, suggests demography is not on the side of growth. Seniors, the largest donors, are aging out, and the next wave of the population – those 45 to 54 – is in decline as donors. Compounding some of the challenges is the sheer volume of charitable options. We can get what science calls “option paralysis” in absorbing so many entreaties to donate that the brain cannot choose. Our second annual Giving Guide is designed to help with that. It provides straightforward information on the local activities of those ready to help. It is a consumer’s guide to generosity. We hope you will value its contribution to your contribution, which will in turn help others among us pursue a stronger path. É Kirk LaPointe is editor-in-chief of Business in Vancouver and vice-president, editorial, of Glacier Media.
INCOME INEQUALITY HAS GROWN. WE MAY BE THE “SUPERCAR” CAPITAL OF CANADA WITH UNAFFORDABLE HOUSING, BUT THE RICHEST ONETENTH OF FAMILIES EARN 11 TIMES MORE THAN THE POOREST ONETENTH, A SPREAD THAT IS WIDENING. j Kirk LaPointe, Editor-in-chief of Business in Vancouver
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EYEON THE FUTURE
Digital campaigns, customized fundraising, flow-through shares and community engagement are some of the strategies being employed to reach the next generation of donors
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hen Mike den Haan arrived at Simon Fraser University (SFU) three years ago, he was presented with a unique and perhaps enviable challenge.
The freshly minted vice-president of advancement and alumni engagement arrived one month after SFU closed on an impressive $250 million capital campaign, one that actually exceeded its target and brought in $275 million. New buildings, student awards, faculty recruitment and research were all big expenditures earmarked for SFU. Indeed, the future is bright for one of British Columbia’s youngest yet fastest-growing universities. But from den Haan’s perspective, it presented an interesting challenge: how do you sustain donor engagement and interest in the cause? “As we look outwards, it was clear to me then, and even more clear to me now, that there are issues on the horizon as it relates to donor engagement,” de Haan says. “Generally speaking, there is a declining number of donors and a much more diverse donor community. Younger donors engage differently, and for us, it is about thinking, ‘How do we gear our programming and work with the community in different ways?’” It’s a billion-dollar question that is facing not just SFU, but indeed most if not all charitable institutions across Canada, and beyond. Foundations and fundraising executives, even those that have achieved successful capital campaigns, are working overtime to be “future ready” and reach a new generation of donors that think differently than their parents did.
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Interestingly, den Haan adds, philanthropic revenue is not declining. A smaller number of people are giving, but the gifts are getting bigger, making it all the more important to capitalize on those major donors. Even more interesting for SFU is the fact it was founded just 54 years ago, making it a much younger institution than some other universities. Perhaps that is why, according to den Haan, many of its large gifts have come from a relatively younger group of individuals who are under 50. That doesn’t mean SFU intends to rest on its laurels. “What is happening, I think, is people under 40 are changing the way they engage with causes and institutions. They are aligning themselves with cause-based themes as opposed to loyalty,” he explains. “They want to be more engaged with the impact, as opposed to seeing the institution as a mediator.” For den Haan, that means customizing donation campaigns to what inspires donors, whether it be the environment, human health or origins of the universe. In other words: like never before, you need to listen to what donors want, and customize yourself accordingly. One customized tool in the fundraising tool kit that donors are increasingly requesting is flow-through shares. This method of giving has become a commonly accepted strategy to help high-net-worth donors give up to three times more than they normally would, at no additional cost.
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GIVING GUIDE 2019 PUBLISHED BY BUSINESS IN VANCOUVER
“It is something we are seeing more and more,” den Haan says. “Our donors are engaging with us and their lawyers and accountants, and advisers, and we are seeing a growing number of flow-through share strategies. And we anticipate more. We also have quite a few donors related to the mining sector, and that’s a sector that is well aligned with flow-through shares.” Since 1954, the Canada Revenue Agency has offered a 100 per cent tax deduction on flow-through shares, which are stock issued by junior mining companies in Canada to fund drilling and exploration. To unlock the tax benefits, clients purchase flowthrough shares and then immediately sell them at a discount to an institutional buyer, or liquidity provider, for cash. This liquidity provider, not the donors, takes on the stock market risk – one of the key benefits. The donors give the cash proceeds of the sale to the charities of their choice and receive another 100 per cent tax deduction for this donation. In effect, donors are supporting Canada’s mining industry and charities by combining two distinct tax policies so they can reduce tax and give much more to a charity that touches their heart. Den Haan agrees that the interest in this method of giving is partly related to the fact that donors are more involved and accountable for their giving than ever before. They demand more from their gifts and want to know their donations are going straight to the source. The new donor also desires more of a digital strategy when it comes to engagement, rather than conventional direct mail campaigns, for example. It is a constant balancing act of looking to the future while also staying true to traditional donor values. Likewise, staying focused on the needs of legacy donors is understandable to the Vancouver Foundation. Craig Hikida, vice-president of donor services, says the foundation is now experiencing an older demographic of donors who are engaging in the conversation of creating legacies, as opposed to “making donations.” “We have the opportunity to work with our donors to establish donor-advised funds that will support their chosen causes today, and long into the future. Not only are we discussing present-day contributions, but [we are] helping to plan funds from estate gifts that will continue to be hard at work in the community in 50, 75 and over 100 years from now,” he explains. That type of planning may be more difficult, he adds, for younger donors. Every foundation and institution, based on its history, tends to have a unique approach to the future of giving. Hikida agrees with den Haan that “charities are relying on a decreasing number of people for donations.” The data supports these claims. In addition, SFU and the Vancouver Foundation are focused on their neighbours and developing a strong sense of community engagement. T he Va ncouver Fou ndation, for exa mple, has launched On the Table, which invites citizens to come together, share some food and have conversations about what matters most to them, Hikida says. “The insight we get is an exciting snapshot of what’s on the people’s minds across the province right now,” he says. “And this helps us to continue our work of
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SFU has launched new research programs and invests heavily in student mental health to ensure the student experience is as positive as possible • SIMON FRASER UNIVERSITY
helping create social good by releasing more money into the charitable sector.” A connection to the community is a major focus for SFU, as well, and it goes beyond innovative fundraising methods such as flow-through shares, or adjusting communication tactics for younger donors. “Community engagement is a big priority for this institution. As community needs change locally and nationally, our programming adjusts,” den Haan says. For example, SFU recently launched a new research program on the renewal of democracy, in light of the global trends south of the border and elsewhere. All of this comes back to listening to the community, paying attention to global trends and understanding how people want to be engaged. SFU also invests heavily in student mental health, ensuring the experience of those at the university is as positive as possible. No matter the foundation or charitable cause, community engagement customization toward philanthropists’ needs, both now and in the future, will be a significant indicator of success in a society where the number of donors continues to be in decline. É
PEOPLE UNDER 40 ARE CHANGING THE WAY THEY ENGAGE WITH CAUSES AND INSTITUTIONS. THEY ARE ALIGNING THEMSELVES WITH CAUSEBASED THEMES AS OPPOSED TO LOYALTY j Mike den Haan, Vice-president of advancement and alumni engagement, Simon Fraser University
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Investing in perpetuity How good intentions grow legs: the power of endowment WHAT WE DO
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hen he established Vancouver Foundation, Whitford VanDusen was already adept at orchestrating charitable giving on a large scale. But he wanted more than to pass money from one hand to another. He wanted to stretch, grow, and deploy every dollar as widely as he could. What model might multiply the charitable impact of donors? Could he serve as more than a gobetween for the good (often ebbing and flowing) intentions of donors? A financially savvy lumber magnate, VanDusen had already been contemplating the idea of a permanent endowment. But when Alice MacKay, a retired Whitford secretary, made a $1,000 VanDusen bequest, the concept was cemented. MacKay had specified that her bequest be invested intact and that the income be used to support women in poverty. This is how the endowment model at Vancouver Foundation was struck: two unlikely visionaries who shared the same goal of sustained giving to the community. In 1944, interest rates hovered at around three percent, leaving the Foundation
Alice MacKay (holding book)
with $30 for charitable action in MacKay’s name. VanDusen contemplated $30 from MacKay’s $1,000. What if that $1,000 were $101,000? And what if that $101,000 continued to grow? VanDusen saw the potential of a base of funding that grows impact by growing itself. He added his own $10,000 to the pot, and challenged a circle of influential peers to do the same. By 1948, Vancouver Foundation held $101,000 in trust. The idea resonated with the community and an ever-increasing number of donors began establishing their legacies at Vancouver Foundation. By 1960, holdings of almost $3 million generated $219,000 in income, which was granted to dozens of charities involved in all aspects of our community. By 1989, Vancouver Foundation’s total assets of $230 million funded 408 charitable efforts. Today, Vancouver
Foundation’s holdings have topped $1.2 billion. More importantly, it distributes upwards of $50 million per year to thousands of charities across the province. This is investing in perpetuity: using financial savvy to give charities the gift of steady income to support their missions. In many cases, the amount of income a fund has generated and shared throughout the community has far surpassed the original capital of the fund itself – The Arthritis Society BC & Yukon Division, which established its first of four funds in 1951 with an initial contribution of $4,000, has received over $2.5 million in distributed income – far exceeding the fund’s current capital value. When charities have a steady stream of income, they can focus on what they do best: a constant and heartfelt contemplation of the people they serve and the ways they can best offer help. Thanks to MacKay’s particular bequest – and VanDusen’s being so inspired by it – generations of caring people have been given the license to envision and build a better community.
Contact Donor Services at 604.688.2204 or info@vancouverfoundation.ca.
Start Your Own Donor Advised Fund A Donor Advised Fund is the most popular way to give at Vancouver Foundation. Similar to a private foundation, a Donor Advised Fund enables individuals and families to establish a charitable endowment fund, receive a donation tax receipt and then recommend grants over time. A named fund can be created with a gift of $10,000 (or $1,000 to start-up), and will be customized to meet your charitable objectives. Grants can be made to any registered Canadian charity and, on a year-to-year basis, you can choose how to offer your support.
Need More Information? Contact Donor Services at 604.688.2204 or info@vancouverfoundation.ca.
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KidSafe opens doors for Vancouver kids WHAT WE DO
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he KidSafe Project was founded in 1993 by a group of concerned citizens, teachers, and The Vancouver Sun in response to a local tragedy that saw a young child assaulted and abandoned when left home alone during school break. The community galvanized into action and formed KidSafe, with the mission to provide nurturing safe havens for vulnerable children when schools are closed. Today, KidSafe has grown into an organization that keeps school doors open across Vancouver for hundreds of children aged 5-12 during winter, spring and summer breaks. In our programs, every child receives safe shelter, daily nutritious meals, fun and enriching fieldtrips, support from caring adults, and educational programming. Every one of our kids has been referred to us by school staff as being extremely
vulnerable for diverse and complex reasons. What our kids may have experienced prior to arriving at KidSafe each morning varies greatly. While some may arrive singing on the bus and excited to be at KidSafe, others are exhausted after a sleepless night and feeling anxiety over situations far beyond what any child should have to face. What does remain constant, however, is that when these kids walk through our doors, they’re safe, and they are welcomed as the amazing people they are. Our kids are so much more than their circumstances, and in our programs, we have the profound privilege of watching them grow and thrive. “I just want to say that what you do is greatly appreciated. Now as an adult I look back and see how much of an impact KidSafe has had on me. It kept me off the streets and taught me how to socialize with others and express myself through words instead of violence. Programs like these save and change lives.”
HOW YOU CAN HELP KidSafe has been around for 26 years, but unfortunately, the need for our program is only increasing. Shifting demographics in the city mean that the situation is becoming ever more urgent. We are working hard to address the need as best we can because we’ve seen firsthand the difference our programs make. You can make a real, tangible difference to the childhood of a vulnerable child by generously making a one-time donation to KidSafe, becoming a KidSafe Clubhouse Monthly Donor, hosting a fundraising event or volunteering your time! Please get in touch through our website to get involved and to help ensure that Vancouver’s at-risk youth have safe and healthy childhood memories and opportunities that will last a lifetime.
www.kidsafe.ca 604-428-5155 info@kidsafe.ca
Providing nurturing safe havens for vulnerable children when schools are traditionally closed
Get involved at www.kidsafe.ca 604-428-5155
“I feel happy and special when I’m at KidSafe” Follow us at @kidsafeproject
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and /kidsafe
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Making life easier for your heirs WHAT WE DO
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ave you thought ahead as to what your family will have to deal with when you pass on? Does your family know what you want in terms of burial, dealing with the ongoing operations of your company, and who will receive an inheritance from your estate? These are just a few of the questions that we, as professionals, ask our clients when discussing their estate. It is not often that an individual or couple wants to think about what is going to happen when they are gone, but it is so important. If you were to look back at the issues that you might have had to deal with when your parents or grandparents died, that should be a trigger for you to put your affairs in order so your family will not be faced with the same concerns when you pass on. If you haven’t already prepared a will, this should be number one on your list. You
will need to determine who will be your executor, or executors. This person will be tasked with taking direction from your will which will dictate how you wish them to manage your estate. This is an important job, so make sure that the person will be up to the task. Put together a list of all your assets and liabilities and make sure everyone knows where it is. This list would include where your important documents are, such as a copy of the will, the Power of Attorney, and the Representation Agreement, if you have one. You should also note where your investments are held and who the contact person is; where you bank, the account numbers and the passwords for on-line access. If you have already made funeral arrangements, that should be noted as well. While you are still alive and well, consider having a Power of Attorney prepared so that if there comes a time when you are
unable to make decisions for yourself, this person can do so. You might also want to have a Representation Agreement prepared which will give direction to the designated individual (s) as to what medical interventions you wish to be taken on your behalf if you become incapacitated. If you have a business with a partner, make sure there is a shareholder agreement that outlines what happens if one of you dies. If it is a family owned company, who will run it when you are gone? There are so many steps that you can undertake when you are healthy, that will reduce the stress for your family when you die. Don’t wait until the last minute!
Abbe Chivers, CPA, CA Partner @ Manning Elliott LLP T: 604-714-3615 E: ac@manningelliott.com www.manningelliott.com
Your Trusted Estate Planning & Wealth u;v;u -ঞom Professionals Making life easier for you and your heirs Contact: Abbe Chivers, CPA, CA T: 604-714-3615 Ĺ -1Šl-mmbm];ѴѴbo ĺ1ol
ĺl-mmbm];ѴѴbo ĺ1ol
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Vancouver I Burnaby I Surrey I Abbotsford
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We belong in a great community. Help us build it. WHAT WE DO
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ince 1972, Greater Vancouver Community Services Society (GVCSS) has been helping the elderly and people with disabilities to remain independent in the community. The nonprofit organization provides home care, programs for adults with developmental disabilities, supportive housing, and other services. GVCSS’ CEO James Challman says, “We believe in building a great community by creating opportunities for inclusivity.” One of the ways they do this is through their Community Living program. GVCSS operates six homes for adults with profound mental and physical disabilities in the Lower Mainland. Each home provides a family-style environment for four to six residents. For many of GVCSS’ older residents, these are the only real homes they have ever known. Before GVCSS, they lived for decades in the institutionalized setting of the now-closed Woodlands School.
“John has been a resident at Doman House for 23 years, and has thrived in the caring atmosphere provided at the home by the staff. He came out of Woodlands showing a lot of anxiety, displayed by some self-abuse and was somewhat withdrawn. He has always been cared for by warm, experienced staff at GVCSS and in their care has improved dramatically. I am so pleased that John is a resident at Doman House.” – Margaret S., Mother of Community Living resident Where Woodlands was remote and austere, GVCSS’ Community Living program prioritizes inclusivity and comfort. Each home is located in a residential neighbourhood, close to parks and shops. Inside, soft furniture, framed photos, and personalized bedroom murals create a cozy atmosphere. Meals are shared, and special occasions like birthdays and Christmas are celebrated together. Within this safe and comfortable environment, residents are encouraged to live to their fullest potential. They participate in daily activities that support their independence and build skills:
swimming at a local pool, attending music therapy, and helping with the laundry and grocery shopping.
HOW YOU CAN HELP As a charitable organization, GVCSS is grateful to receive government funding to cover operating costs. However, they must seek support for these additional needs: Wheelchair Van Replacement Fund: GVCSS’ Doman Street home needs a new 9-passenger wheelchair-accessible van to safely transport residents to activities and appointments. Home Repair Fund: GVCSS’ two North Vancouver houses need home improvements that are not covered by operational funding. 100% of all donations go directly to improving the quality of life for the individuals GVCSS serves, some of our community’s most vulnerable members.
To make a donation or to learn more, please visit www.gvcss.bc.ca/donate. htm
great care. great community.
Help us build great community www.gvcss.bc.ca
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GIVING GUIDE 2019 PUBLISHED BY BUSINESS IN VANCOUVER
A DONOR’S STORY: GARRY ZLOTNIK
HELPING CLIENTS BE ‘SIGNIFICANT’ Through its foundation, ZLC Financial has distributed $110M to charities for its clients, with the flow-through share strategy allowing B.C. philanthropists to take their giving to the next level
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arry Zlotnik is a firm believer in an old adage: the more you give, the more you get.
While this saying might seem like a cliché, Zlotnik, chairman and CEO of ZLC Financial, has redefined what it actually means to be a philanthropic business leader in Vancouver. His passion for philanthropy extends well beyond the act of cutting a cheque. Yes, the ZLC Foundation has distributed a whopping $110 million to charities over the past 11 years. ZLC also dedicates more than half of its annual marketing budget to community support, scholarships and sponsorships. Since 1986, the firm has even run a golf tournament that has raised well over $1 million for B.C. charities. But what sets Zlotnik apart is a philanthropic spirit that’s deeply personal, which permeates ZLC Financial and becomes infectious among its clients. “It’s not about getting something in return,” says Zlotnik, who won the 2018 Manulife Leadership Award of Excellence, a national recognition given to one adviser in Canada who goes above and beyond for his or her clients and communities. “It is the pleasure of being able to make a difference in someone’s life and to help people less fortunate. I have been supporting Pancreatic Cancer Canada. I have some unfortunate ties to that where close friends have passed away, so it is a significant charity that I support on a personal level. In our office we have 25 advisers, and almost everyone is involved in a board of a charity or supporting a charitable organization. It is a key principle at our organization.” Founded in 1946, ZLC Financial assists its clients with a myriad of financial services. With a specialization in entrepreneurs, the firm assists with group insurance, personal estate planning, life insurance, tax advice, portfolio management for pensions and investments, among other services. However, philanthropy is what makes it stand out – as evidenced by the ZLC Foundation’s $110 million in charitable disbursement on behalf of its clients. And while that $110 million is a reflection of ZLC’s commitment
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to giving back, and the generosity of its clients, another cog in the wheel was the firm’s early adoption of flow-through shares to help its donors give more. “We find, especially as clients get older, that they want to make more of an impact. They want to be significant,” Zlotnik explains. “Flow-through shares are an opportunity for donors to do something really significant. So what we find is donors want product every year. It is positive for society in general, because they are giving more money away. They are giving away more than they normally would. Meanwhile, they are helping the mining industry in B.C. at the same time.” Zlotnik has recommended flow-through shares to his clients for about 11 years. But for the story on how it works, you really need to go back to the 1950s. Since 1954, the Canada Revenue Agency (CRA) has offered a 100 per cent tax deduction on flow-through shares – stock issued by junior mining companies in Canada to fund drilling and exploration. Most mining occurs in the North, an area with a sparse population and limited employment opportunities. Taking advantage of Canada’s vast, mineral-rich frontier makes sense on several levels. Apart from the obvious tax benefits to the government should an exploration drilling hit the jackpot, mining companies assist in the development of remote areas in Canada, while offering good jobs to those who live there. To unlock the tax benefits, clients purchase flow-through shares and then immediately sell them at a discount to an institutional buyer, or liquidity provider, for cash. This liquidity provider, not the donors, takes on the stock market risk – one of the key benefits. The donors give the cash proceeds of the sale to the charities of their choice and receive another 100 per cent tax deduction for this donation. In effect, donors are supporting Canada’s mining industry and charities by combining two distinct tax policies so they can
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FLOW-THROUGH SHARES ARE AN OPPORTUNITY FOR DONORS TO DO SOMETHING REALLY SIGNIFICANT j Garry Zlotnik, Chairman and CEO, ZLC Financial
reduce tax and give much more to a charity that touches their heart – typically three times more than usual. “I like to think about it as the ability to pay your taxes to your favourite charities,” says Peter Nicholson, president and founder of The Foundation (WCPD), a boutique financial services firm specializing in philanthropy, and one of ZLC Foundation’s most trusted philanthropic partners. “You get to be the prime minister for the day and decide where some of your tax dollars are going.” For more than a decade, the ZLC Foundation and The Foundation (WCPD) have worked hand in hand to educate donors on the benefits of flow-through shares. Zlotnik says he has seen education among donors grow tremendously over the years. In the beginning, more than a decade ago, there was a perception that it was “too good to be true.” But over the years, advanced tax rulings by CRA continued to provide comfort. Today, flow-through shares have become a popular and commonly accepted way to give. And for Zlotnik, it is indicative of his entire way of thinking about philanthropy – he wants maximum impact and more control over his giving. Giving is deeply personal. “I think this method is still growing,” Zlotnik says. “We are always bringing in new donors. I think business leaders who have a cause are seeking out these opportunities so they can give more; there is no question about that. Those that have a cause, we can certainly help them realize the opportunity and do it bigger than they could have done it otherwise.” What is this donor’s advice? Zlotnik advises that you first seek out a financial
Garry Zlotnik, chairman and CEO of ZLC Financial • ZLC FINANCIAL
adviser who has experience with charities. There are many ways to support charities of your choice, from private foundations to insurance, trusts and estate planning for when you are gone. “The beauty of flow-through shares is it’s something you can do when you are alive,” he explains. “I think, working with your adviser and accountant, you should be able to dip your toes into it and see the benefits.” É
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It Only Takes a Second to Change a Life Forever WHAT WE DO
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urn injuries only take a second to occur but change a life forever. Burns are the third leading cause of injury related hospital admission for children under five in British Columbia. These injuries require weeks of hospital treatment and years of follow ups with plastic surgeons and occupational therapists to ensure that the survivor heals well. The emotional and physical impact of burn injuries last a lifetime. The BC Professional Fire Fighters’ Burn Fund helps burn survivors live their lives to their fullest potential by supporting their recovery journeys every step of the way. From funding the cost of necessary compression garments (which are not covered by MSP), to offering a week-long summer camp, the Burn Fund is committed to supporting survivors. Established in 1978 by the BC Professional Fire Fighters’ Association, the Burn Fund is supported by more than 4,000 professional fire fighters from 53 communities in BC and the Yukon. These
fire fighters dedicate and donate their time and skills to support burn survivors. They also work to increase the public’s knowledge about fire and burn prevention.
HOW YOU CAN HELP While other organizations have the ultimate goal of finding a cure, prevention is the Burn Fund’s cure. The vision of the Burn Fund is to see burn injuries prevented wherever possible and when they occur, to assist survivors and their families for the best possible outcome. When you support the Burn Fund, you are supporting prevention campaigns, including the Too Hot for Tots! toddler program which offers workshops and resources to parents, nurses, and fire fighters on how to prevent burn and scald injuries in the home. By making a donation you are funding supportive programs for survivors of all ages. Since 1994, Burn Camp has hosted more than 1,800 children aged six to 18 for a summer camp designed to help these survivors feel like kids again. Volunteer
counselors comprised of nurses and fire fighters support the survivors while they enjoy activities including swimming, hiking, and white-water rafting. Little Lionhearts Family Camp is for children under six and their families who partake in a retreat to guide the healing process for not only the burn survivor, but for the entire family. THRIVE serves young adult burn survivors, giving them the tools necessary to navigate young adulthood following a traumatic injury. Finally, the Future is Mine adult program focuses on social outings and an annual summer retreat to promote connection and empowerment. The Burn Fund relies on generous donors to fund these programs so that they can be offered free of charge to BC families. With your support, the Burn Fund can continue to empower survivors and prevent burn injuries.
For more information, please visit Burnfund.org or contact Nicole Clark at communications@burnfund.org or by calling 604-436-5617.
Support burn survivors across the province by making
BE A HERO. LEAVE A LEGACY.
a donation to the BC Professional Fire Fighters’ Burn Fund. burnfund.org 604-436-5617
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SPONSORED CONTENT
Access and Inclusion for #EveryoneEverywhere WHAT WE DO
O
n any given day there’s a good chance you’ll find Nathan Shipley at the Grandview Heights Aquatic Centre. The 23-year-old frequents the centre not just because he wants to, but because he’s able to. The facility has numerous accessibility features, including a pool lift, an accessible change room, and adaptable workout equipment. This means that Nathan, who has cerebral palsy quadriplegia, doesn’t miss out on an active lifestyle. “It’s great because I can use the public pool, rather than be segregated in a physiotherapy pool,” says Nathan. Being in the water is therapeutic for people who have cerebral palsy as the water’s restorative properties promotes safe movement. Being able to do this in the same place as everyone else shows Nathan that his needs matter as much as anyone’s—that he matters. This is our vision at the Rick Hansen
Foundation (RHF): an inclusive world where people with disabilities are living to their full potential. For over 30 years, we have worked to remove barriers, raise awareness, change attitudes, and support research for Spinal Cord Injury. The Rick Hansen Foundation School Program (RHFSP) provides free resources to educators across the country to foster inclusion and compassion in the next generation. By educating youth, we ensure people like Nathan continue to feel included. Rick Hansen Foundation Accessibility Certification™ (RHFAC) rates buildings on their level of meaningful access, promoting the removal of barriers in the built environment. When barriers are removed, all people can contribute to the places where they live, work, learn, and play. “People with disabilities have something to contribute, we just need places to adapt and attitudes to change so we can contribute what we have to offer,” Nathan says.
The reality is that not everywhere is as accessible or welcoming as Nathan’s recreation centre. A lack of accessible washrooms, or a person’s misunderstanding of accessibility, can prevent someone from getting the job they want or enjoying time out with their family. It affects more people than you’d think— nearly half of all Canadians have or have had a permanent or temporary disability or live with someone who has. With Canada’s aging population, this number will continue to grow. By creating awareness and removing barriers, we provide greater independence and more opportunities for people of all abilities. The next generation will be educated to lead the movement, and we can inspire people to make real change that include people like Nathan. Together we can build a Canada for everyone, everywhere.
To donate, visit rickhansen.com/ donate
Let’s create a Canada that is accessible for all. Donate today at RickHansen.com/donate
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Every light is precious WHAT WE DO
A
t Canuck Place, we believe that every light brings joy, no matter how long it shines. This holiday season, we shine a light on the journey for Canuck Place children like baby Rosalind. Baby Rosalind was born on October 27th, 2018. She was born with Trisomy 18, a genetic condition also called Edwards Syndrome. Trisomy 18 affects each child differently, and for Roz, the most serious issues were in her brain and heart. Roz lived 29 days. She spent almost her entire life at Canuck Place with her parents and brothers. It will forever be a special home for the Doyle’s because for them, Canuck Place is Roz’s house. The hospice brought light to their darkest days, where they made loving and happy memories despite the circumstances. Roz passed away peacefully the evening of November 25th, 2018 surrounded by love. Canuck Place continues to care for the Doyle family with bereavement counselling and family support groups. You can Light a Life this holiday season at Canuck Place in honour of children like baby Roz. Give before December 31st, and your gift will be matched by John & Claire Nicola and Friends.
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Inspiring minds for over 50 years WHAT WE DO
I
Help inspire future generations to reach for the stars.
n 1967, B.C. forestry industrialist, H.R. MacMillan, gave an anonymous donation to build a space resource centre for the people of British Columbia. He would later be revealed as the generous donor when the doors opened on October 26, 1968. For over fifty years, the H.R. MacMillan Space Centre’s legacy has been a place that facilitates dialogue about human ingenuity in space. This non-profit community resource brings the wonders of space to Earth, while providing a personal sense of ongoing discovery. Their goal is to inspire sustained interest in the fields of planetary science, space technology and exploration, and astronomy. The Centre provides opportunities for visitors of all ages to learn about themselves and the world around them. By giving to the H.R. MacMillan Space Centre, you will be supporting activities that include exhibitions, community outreach, public and school programs, lectures, workshops, unique special events and so much more. Become part of an inspired and imaginative community connecting society, culture, and science to facilitate experiences that...help inspire future generations to reach for the stars.
Contact: dedicate@spacecentre.ca or (604) 738-7827 ext 221
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SPONSORED CONTENT
The Terry Fox Foundation WHAT WE DO
D
riven by Terry’s dream of a world without cancer, we invest in cancer research to cure cancer through The Terry Fox Research Institute (TFRI). The Terry Fox Research Institute is unique in its focus on longterm, team based, innovative research. With a commitment to collaboration, TFRI helps researchers share ideas and resources. Embraced by scientists and clinicians, this approach harnesses expertise across multiple fields, which drives better patient outcomes. Donations to The Terry Fox Foundation are invested in the most promising projects based on the projects excellence and potential for impact as determined through international scientific peer review. Please give a gift today and be part of our community of supporters, researchers and clinicians dedicated to Terry’s vision.
Learn more at www.terryfox.org or call Heather at 604-2398579.
TERRY FOX FOR CANCER RESEARCH
Make a donation to the Terry Fox Foundation today to support Terry Fox and his dream of finding a cure for cancer
TERRYFOX.ORG 1.888.836.9786
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Variety BC announces new fundraising campaign
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WHAT WE DO
S
ince 1966, Variety - the Children’s Charity has been making a difference in the lives of children with special needs across the province. With the average individual grant being $2500, Variety is looking to attract more funding towards their core support areas: Medical Equipment, Mobility Equipment, Specialized Therapies, Mental Wellness Counselling and Educational Programs & Bursaries. Just recently, Variety announced their new Families Helping Families campaign which will be aimed at raising much-needed funding to support even more families. “We’re extremely excited about Families Helping Families,” said Cally Wesson, CEO, Variety BC. “We’ll be launching the campaign with a focus on children with Type 1 Diabetes by providing families with Continuous Glucose Monitors … a device that is both lifechanging and lifesaving for kids living with T1D.” For information on how you can support Variety by becoming a Corporate Partner, contact James Bacon at 604.268.4031 or james.bacon@variety.bc.ca.
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SPONSORED CONTENT
Giving to the YWCA impacts lives for generations to come WHAT WE DO
Y
Help single mothers and their children tomorrow by making a legacy gift today.
WCA Metro Vancouver changed the lives of 46,106 people in 2018 through 59 different programs and services. Our programs include single mothers’ support groups, employment services, child care, housing, food programs, youth education, legal services and financial literacy. In 2022, we will celebrate 125 years of serving our community and working tirelessly to achieve women’s equality. In anticipation, we have launched The Next 125, a five-year campaign to raise $10 million so we can meet the growing needs of our region. Our plans for the future focus on supporting women to achieve economic security and independence through advocacy and housing. Your gift will go towards this vision. “It sounds cliché but as parents, we want to leave the world a better place for our son and his generation. I also want to honour the women who came before me who worked towards gender equality. A legacy gift is our way of doing this.” – Puspa Affandi, Legacy Circle member Support our work and help change the future by creating your own legacy.
To leave a legacy gift, contact JoAnne Fahr at 604 895 5829 | jfahr@ywcavan.org or Arden Sutherland at 604 895 5859 | asutherland@ywcavan.org
BUSINESS IN VANCOUVER
B
Events
usiness in Vancouver produces many events each year that recognize the achievements of top talent in our business community, discuss topics and issues relevant to you and provide opportunities to network and cultivate new business relationships. Some of our annual events include: r 'PSUZ VOEFS "XBSET r *OGMVFOUJBM 8PNFO JO #VTJOFTT "XBSET r #$ &YQPSU "XBSET r #$ $&0 "XBSET r #$ $'0 "XBSET r #VTJOFTT &YDFMMFODF 4FSJFT
For more information, visit www.biv.com/events
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SPONSORED CONTENT
How you can make a BIG difference WHAT WE DO
A
t Big Brothers of Greater Vancouver, we believe in the power of mentorship. With a positive role model, a child can gain a sense of belonging, a reassurance of their strengths, and more importantly –be inspired to reach their full potential. With an average wait time of 2 to 3 years, there are currently over 100 children across the Lower Mainland waiting to be matched with a mentor. The impact of a Big Brother friendship and guidance is both simple and profound: self-esteem and grades go up, bullying and unhealthy choices go down, and life-long connections are made. “The positive role modeling that my son is learning, not just being taught, but by experiencing it is just a huge thing. You can’t teach that, you have to experience it.” You can become a champion of life-long friendships by becoming a volunteer or corporate sponsor or partner of our various mentorship programs.
For more information how you can support a child or youth in your local community, please visit BigBrothersVancouver. com or email volunteer@bbgvf.com.
What’s more important than friendship? Join hundreds of volunteers across the Lower Mainland in supporting mentorship in your community. Learn more about corporate partnerships and volunteer opportunities at BigBrothersVancouver.com or call 604-876-2447 Ext 247
Imagine who they can become because of you
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“We can and we will make this work” WHAT WE DO
J
ordan, he has a rare neurological disorder called Lissencephaly (translated means smooth brain). This disorder causes a variety of issues which include, an overall global delay (speech, fine motor, cognitive function),Epilepsy,Cerebral Palsy,an inability to communicate in the traditional verbal ways, massive sleep issues,and the requirement for 24 hr 1:1 care for all of life’s most basic needs. Jordan’s first 3 months of life were spent in the hospital with a variety of surgeries. The Dr’s told his parents that he would not likely see his 2nd birthday, if he did the chances of him seeing his 5th were extremely low. Jordan’s parents were obviously devastated, confused, and scared. They loved taking expedition style trips to remote locations in their small boat. The doctor said “The best thing you can do for Jordan is strap him on your back and go on your adventures. Help him live all the life he can while he can.” Jordan’s parents have taken this approach to heart and have done their best to burst the natural bubble most parents would put around a terminal high-risk child. So far so good…Jordan turned 16 this year. Up until 18 months ago all of Jordan’s adventures were with his family. Then they met the team at Zajac Ranch who are committed to accommodate and provide the extra needs someone like Jordan has.
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“For you kind souls whose generosity helps make Zajac Ranch possible, a sincere thank you. From the heart we want you to know you are giving more than just smiles, laughs and memories… you are actually creating an environment that pushes these kids and fosters the desire to live life to it’s fullest.” – Jim, father of camper Jordan
be a part of it! Visit zajacranch.com
get involved 604.739.0444 | info@zajac.com
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GIVING GUIDE 2019 PUBLISHED BY BUSINESS IN VANCOUVER
IN A CHANGING WORLD, OUR GIVING MUST EVOLVE As an entrepreneur who lives and breathes philanthropy, I always find it interesting how Canadians view this essential part of our society
C
anadians tend to view themselves as a generous people. We’re known for our friendliness, our inclusiveness and our sense of social responsibility.
WHILE THE NEEDS OF SOCIETY ARE BIGGER THAN EVER, GIVING IN CANADA HAS ACTUALLY BEEN GOING DOWN WHEN YOU CONSIDER THE TOTAL NUMBER OF CANADIANS WHO DONATE EACH YEAR j Peter Nicholson, Founder and President of WCPD
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So it doesn’t surprise me that, in my day-to-day interactions with people, there’s a general view that philanthropy is growing. People are giving more. In the media, we often see huge gifts by well-known philanthropists. Gerry Schwartz and Heather Reisman, for example, recently announced a $100 million gift to the University of Toronto – the largest donation in the school’s history. Peter Gilgan, another noted philanthropist, also cut a cheque for $100 million this year to the Hospital for Sick Children. And internationally, when tragedy strikes, it seems as if the whole world is mobilizing to assist, as with the recent blaze at the Notre-Dame cathedral in Paris or the catastrophic hurricane that hit Abaco and Grand Bahama in the Bahamas this past September. By the way, other islands such as Exuma and Nassau were not harmed, so go visit them to help the country get back on its feet. These awful tragedies and reports in the media of large gifts can be deceiving – philanthropy is growing, and Canadians must be giving more, too. But the reality is quite different. While the needs of society are bigger than ever, giving in Canada has actually been going down when you consider the total number of Canadians who donate each year. According to the latest Giving Report, assembled annually by CanadaHelps using data from Statistics Canada, the number of Canadian tax filers giving back has eroded significantly over the years. In fact, from 2006 to 2015, the number of donors across every age group declined by between four and six per cent. “With both donation rates and donation amounts dropping, a dangerous trend for the charitable sector has emerged,” the report states.
I couldn’t agree more. There are many reasons why giving is in decline. I think it’s harder than ever for the lower and middle class to make ends meet. The cost of living continues to rise. Meanwhile, through technology and social media, our culture has never been more obsessed with consumerism. We all want that amazing holiday or the latest gadget. We all desire that Instagram lifestyle, and at the end of the day, there just isn’t enough on the table to give back. Also, many donors have become increasingly savvy and proactive in their giving. They want maximum impact, transparency and the knowledge that their hard-earned dollars are being invested and applied with the same care and attention given to their retirement savings. That’s where I come in, and what we do at The Foundation (WCPD). While giving might be down across the population, my work with Canada’s top donors shows that we are now in a golden age of philanthropy. Gerry Schwartz, Heather Reisman and Peter Gilgan are not alone. Canada’s wealthiest people want to give back more than ever and create the maximum possible impact, knowing that their gift will go straight to where it is needed most. Since 2006, our firm has been dedicated to helping high-net-worth clients give more through philanthropic tax planning, using flow-through shares. This tried-and-true method of giving is simple, combining two tax policies that are older than your RRSP: one to assist Canada’s resource sector to create jobs and produce the raw materials we need in society, and another to give Canadians a tax break for donations to charity (your conventional tax receipt). When you
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BY THE NUMBERS
9
Advanced CRA tax rulings on this exact structure, with flowthrough shares ––––––––––––––––
1954
The year CRA introduced flowthrough shares as a 100 per cent tax deduction – three years older than RRSPs ––––––––––––––––
Peter Nicholson, President of The Foundation (WCPD) says a decline in the number of donors makes maximizing major gifts even more important.
combine these two policies, our clients can, on average, give up to three times more to charity, at no additional cost. It is a method that has become so popular among Canada’s top donors that we often have a waiting list of philanthropists who want to use this structure. This golden age of philanthropy is further evidenced by the Giving Pledge. Founded by Warren Buffett and Bill Gates, this pledge encourages the world’s richest people to give away the majority of their wealth to philanthropic causes. As of today, more than 200 people have signed it, representing some $500 billion in donations. In my experience, as a member of Tiger 21, an investment club, I’ve seen this evolution in our meetings. Whereas in the past we would discuss our investments, and what we made, now there is a new question: what did you give? And what are your family’s philanthropic goals? Philanthropy has become a lifestyle. Gone are the days of just writing a cheque or leaving money aside when you die. Today’s philanthropists are active, interested in social causes and treating their donations like another business. Major donors are looking for philanthropic social impact (PSI). For some, if they have been fortunate to
make millions or billions of dollars, they are asking: what’s next? Rather than being paid in cash, they are paid in purpose, by making a difference in the world in a way that touches their heart. We live in a time of complex problems. Climate change is and will continue to be a major issue for Canada and the world. Meanwhile, income inequality is another issue – the division between rich and poor – which is growing every day. There are so many needs, charities and social causes out there – and they all deserve attention. In a world where most people are giving less, it is our job to support and encourage those most fortunate in society to not only give more, but also laser dollars to where it is needed most if we are to effectively tackle the big problems of the 21st century. É For decades, Peter Nicholson has been a recognized leader in Canadian tax-assisted investments, with a specialized focus on philanthropic tax planning and tax reduction. Through his work with countless donors, foundations, institutions and boards, he has helped generate in excess of $125 million for client donations. To learn more about The Foundation (WCPD) and how it can assist in your philanthropic goals, write peter.nicholson@wcpd.com.
3,500+
Number of personal tax return filings since 2006, using a flow-through tax receipt and a charity tax receipt ––––––––––––––––
$125M+
Amount of charitable giving facilitated by The Foundation (WCPD) ––––––––––––––––
5,000
Number of cheques issued by The Foundation (WCPD) to other charities, as directed by clients ––––––––––––––––
13
Years The Foundation (WCPD) has specialized in philanthropic tax planning
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TOGETHER, WE CAN GRANT MORE WISHES & CHANGE MORE LIVES.
Joining forces!
Wish Granting Orgs Join Forces WHAT WE DO
T
he Children’s Wish and Make-A-Wish Foundations of Canada recently announced that the two charities are unifying, with the goal of granting the wish of every eligible child across the country. The BC & Yukon chapters for both organizations are headquartered in Vancouver. “As a united organization, we’re going to make a greater difference in our local communities,” said Ross Hetherington, CEO Make-A-Wish BC & Yukon. “We’re going to increase our ability to grant wishes for children with life-threatening illnesses by 25 per cent more each year.” Children’s Wish BC & Yukon Provincial Director Hannah Smith agrees that the merger is great for business, and for families. “We are bringing together our collective best practices, relationships and strengths, enabling us to serve even more children and their families,” said Smith. “Here in BC & The Yukon, we have hundreds of kids facing a critical illness and complex medical needs each year. This is an important step toward our goal of ensuring every eligible child’s life-changing wish is granted.” The union is the result of extensive, collaborative and thoughtful planning involving expert advisors and leadership from both organizations. Together, the organizations aim to grant around 2,600 wishes in 2022; approximately 1,000 more wishes than were granted independently in 2018. Visit thepowerofonewish.ca for more information.
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SPONSORED CONTENT
ONLY arthritis research saves lives WHAT WE DO
A
rthritis is a lot more serious than most people think. Over 6 million Canadians of ALL ages have this often debilitating disease. Arthritis is not just about aches and pains associated with aging – in fact, it is the most costly chronic disease in Canada and causes life-threatening complications like heart attack, stroke, blood clots and hip fractures. “Arthritis is an invisible and often misunderstood disease,” said Dr. John Esdaile, Arthritis Research Canada’s Scientific Director. “Many don’t realize the serious impact it can have on a person’s quality of life.” Only through arthritis research can we save lives. As the largest clinical arthritis research institution in North America, Arthritis Research Canada’s scientific team is currently conducting over 75 studies aimed at arthritis prevention, early diagnosis, better treatment and improved quality of life for those who struggle with this disease. Research is making a difference and is only possible thanks to the generous support of our donors. From one-time gifts to monthly and legacy giving, donors help ensure people diagnosed with one or more of the 100 forms of arthritis can continue to thrive.
Contact: Patti Nakatsu, Director of Development 604.207.4002 | pnakatsu@arthritisresearch.ca arthritisresearch.ca/support-us
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Life-changing dogs for those in need
BC & ALBERTA GUIDE DOGS
WHAT WE DO
Contact us at www.bcandalbertaguidedogs.com or 1-877-940-4504 or info@bcguidedog.com.
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“
Darcy has more independence and freedom tethered to Bailey and no longer tries to run away.
“
W
hen you donate to BC & Alberta Guide Dogs, you help transform someone’s life with the gift of safety, independence and support. That is what a professionallytrained Guide Dog, Autism Service Dog, or PTSD Service Dog can do for someone who is blind/visually-impaired, a child with profound autism, or a military or RCMP Veteran living with an Operational Stress Injury. Meet Darcy and his Autism Service Dog, Bailey. Before Bailey joined their family, Darcy had to be held on to at all times for fear that he would run onto streets or disappear into crowds. “Bailey has changed our lives for the better. Now when we go on outings, Darcy has more independence and freedom tethered to Bailey and no longer tries to run away,” says Darcy’s mother. The Guide and Service Dogs are provided, along with aftercare support, at no cost to families for the working life of the dog. With each certified dog costing $35,000, this means that BC & Alberta Guide Dogs relies on its volunteers and donations to provide these essential services. From one-time gifts to monthly and legacy giving, your donation to BC & Alberta Guide Dogs helps us place life-changing dogs for those in need.
Transform someone’s life with the gift of independence and support Your donation helps breed, raise and professionally train life-changing Guide Dogs for individuals who are blind/visually-impaired, Autism Service Dogs for children with profound autism, and PTSD Service Dogs for military & RCMP Veterans living with an Operational Stress Injury.
1-877-940-4504
info@bcguidedog.com
bcandalbertaguidedogs.com
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I give to my community and with Vancouver Foundation, my giving lasts forever. 75 years ago, a single gift started Vancouver Foundation and that gift is still making a difference in the community today. We can help you create a fund that gives forever. Get started at vancouverfoundation.ca/create or call Kristin at 604.629.5186
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