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simply e xquisite custom crafted cabinetry
2102 speers rd, oakville, ontario, l6l 2x8 p: (905) 842-3095 | f: (905) 842-6407 www.topnotchcabinets.com
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Great design comes from surrounding yourself with the things you love. wendy reimer
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Providing a full suite of interior design services. to arrange for an appointment, please contact: phone 905 • 842 • 0449
www.reimerdesign.com
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exCepTiOnAl ServiCe BY
exCepTiOnAl peOple
Helping YOur FuTure TAke FligHT
Clients Are The Heart Of Our Business. We can help you pursue opportunities, navigate challenges, create value and leave a legacy. Tax and Estate Planning | Assurance | Advisory | Wealth Stewardship
www.hendersonpartnersllp.ca | 224 Kerr Street | Oakville | 905-829-3701
Fern Hill A School Like No Other Fern Hill School, an independent co-educational school for students in Preschool to Grade 8, is regarded as one of the pre-eminent elementary schools in Canada. • • • •
Exceptional academics Personalized and enriched curriculum Secure facilities French from PS – Grade 8
• • • •
Outstanding visual arts, band and vocal music Athletics and outdoor education Mandarin Language study Leadership and Community Service programmes
COME ViSit US! Open HOuse
Saturday, October 29, 2011 | 10 a.m. - 2 p.m. Burlington Campus | 801 North Service Road Burlington, ON | 905.634.8652 Oakville Campus | 3300 Ninth Line Road Oakville, ON | 905.257.0022 admissions@fernhillschool.com
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www.fernhillschool.com
Bumble and bumble
A t e l i e r
s a l o n
t h e h a i r y o u w a n t... t h e p r o d u c t s y o u d e s e r v e... t h e s e r v i c e y o u e x p e c t...
located in beautiful downtown oakville 905.845.1911
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301 robinson street www.ateliersalon.ca
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ACURA OF OAKVILLE PRESENTS:
AN OFFER 25 YEARS IN THE MAKING.
0.25% LEASE RATE †
25 MONTH LEASE
25 MONTH COMPLIMENTARY MAINTENANCE ‡
ON ALL 2012 ACURA MODELS 2012 TL
2012 MDX
STARTING FROM $41,520*
STARTING FROM $54,720*
2012 MDX available October, 2011.
2012 RL
STARTING FROM $66,720*
2012 TSX
STARTING FROM $33,920*
2012 RL available December, 2011.
2012 TSX available starting October, 2011.
2012 ZDX
2012 RDX
STARTING RTING FROM $57,020*
STARTING FROM $42,520*
2012 ZDX available February, 2012.
Carmen Scaglione General Manager
ACURA OF OAKVILLE 905-825-8777
www.acuraofoakville.com
1525 North Service Road West, Oakville ON L6M 2W2
2010 A.C.E. Award
(Acura Client Excellence) awarded to Acura of Oakville by you, our valued customers
Selling price and payment include freight/PDI, EHF tires and filters, A/C tax, and OMVIC fee, and exclude taxes. 2012 TL and RDX available now. 2012 TSX, TSX V-6 Tech, MDX, RL, and ZDX available Oct 1, 2011; Dec 10, 2011; Oct 25, 2011; Dec 10, 2011; Feb 1, 2012 respectively. All models available for preorder now. *Selling price is $41,520 on a new 2012 Acura TL (Model UA8F2CJ) // $54,720 on a new 2012 Acura MDX (Model YD2H2CJN) // $66,720 on a new 2012 Acura RL Elite (Model KB2F3CKX) // $33,920 on a new 2012 Acura TSX (Model CU2E4CJ) // $57,020 on a new 2012 Acura ZDX (Model YB1H4CKN) // $42,520 on a new 2012 Acura RDX (Model TB1H2CJN). Prices include $1,895 freight and PDI, EHF tires ($29), EHF filters ($1), air conditioning tax ($100) and OMVIC fee ($5). License, insurance, registration, and taxes (including HST and tax for fuel conservation, if applicable) are extra. †Representative example: limited time lease offer 2012 Acura RDX (Model TB1H2CJN) available through Honda Financial Services Inc. on approved credit. Representative lease example: 0.25% nominal lease rate for 25 months. Monthly payment is $478 with $3,875 down payment, and with $1,895 freight and PDI, EHF tires ($29), EHF filters ($1), air conditioning tax ($100) and OMVIC fee ($5) included. First monthly payment, $0 security deposit and $75 tax for fuel conservation due at lease inception, if applicable. Total lease obligation is $15,900. 20,000/year-km allowance; charge of $0.15/km for excess kilometres. Offers only valid for Ontario residents at Ontario Acura retailers. Retailer may sell/lease for less. Vehicles are for illustration purposes only. Offers subject to change without notice. See your Acura retailer for full details. ‡Complimentary scheduled maintenance available on all 2012 Acura Models sold between Sept 1, 2011 and Feb 29, 2012 for 25 months from date of purchase or 50,000 km; whichever occurs first. See your Acura retailer for a complete list of exclusions and maintenance items. Offer ends Feb 29, 2012 and is subject to change or cancellation without notice. Retailer order/trade may be necessary. While quantities last. Visit acura.ca or your Acura retailer for details. © 2011 Acura, a division of Honda Canada.
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Spend your time enjoying the holidays!
Discounts made available for early installations! • Sales and installation of quality outdoor LED lights • Garlands, wreaths and bows • Take down packing and storing House mounted lights will be installed with durable clips instead of nails or staples. Lights can be creatively installed along roofs, windows, doors, lawn borders and on trees. Happy Holiday Decor has decorators who are thoroughly trained, specializing in matching your style and preferences to perfectly capture your love of the season.
www.happyholidaydecor.com
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905.637.1067
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SIEMKO WEALTH MANAGEMENT GROUP OF RBC DOMINION SECURITIES
We can help you build more than just an investment portfolio When you’ve reached a certain level of wealth, there’s more to consider than just investments. With 32 years of experience working with families, retirees, business owners, and professionals, not to mention the resources of Canada’s leading wealth management firm behind us, the Siemko Wealth Management Group of RBC Dominion Securities can help you achieve all your financial goals: Build & preserve wealth for your family’s long-term security Create tax-efficient income Transition your wealth tax-efficiently to your loved ones Create a lasting legacy that preserves family harmony Call us today: a complimentary consultation can help you better understand if you can benefit from our total wealth management approach.
Dennis Siemko Investment Advisor Siemko Wealth Management Group of RBC Dominion Securities
905-469-7100 dennis.siemko@rbc.com www.siemkowealth.com
Professional Wealth Management Since 1901
RBC Dominion Securities Inc.* and Royal Bank of Canada are separate corporate entities which are affiliated. *Member-Canadian Investor Protection Fund. ®Registered trademark of Royal Bank of Canada. Used under licence. RBC Dominion Securities is a registered trademark of Royal Bank of Canada. Used under licence. ©Copyright 2011. All rights reserved.
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Catering 2 Private Rooms Extensive Wine List
RESTAURANT 134 LAKESHORE RD E • 905-844-0676
TWO GREAT RESTAURANTS IN DOWNTOWN OAKVILLE Oakville’s first Tapas Restaurant Outdoor Patio
Tammy
R E S T A U R A N T
305 LAKESHORE RD E • 905-337-3777
Open 7 Days a Week
& George Couto
Open 7 Days a Week
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Concierge, cafe, spa and simulated golf. Luxury hotel? No you’ve just arrived at Mercedes-Benz Burlington.
Experience Mercedes-Benz Burlington.
When you first arrive at Mercedes-Benz Burlington, be prepared to say “Wow!”. The architecture displays smooth, flowing curves. Floor-to-ceiling glass walls let sunlight in while a unique reflecting pond displays our vehicles in dramatic fashion, as it cools the building. Inside we offer: • Expansive showroom space for 45 new vehicles as well as 25 pre-owned – the largest selection in southwestern Ontario • 17 service bays • 6,000 sq. ft. drive-in client reception area • Customer café and lounge with wireless Internet • Quantum Auto Spa - the detailing centre that “spoils” your car with the finest service and cleaning materials available. Our service technicians are some of the best, with the highest Customer Satisfaction Index in southern Ontario. Environmental innovations include water-efficient landscaping and a rooftop-mounted white reflective membrane designed to reduce solar heat gain and lower energy consumption. LEED-inspired design; our dealership demonstrates that commitment. I invite you to come inside, for an experience only Mercedes-Benz Burlington can provide. Ken Szekely President & C.E.O.
Mercedes-Benz Burlington 441 North Service Road, Burlington (exit Hwy. 403 & Waterdown Rd.) 905.632.4222 Toll Free: 1.877.353.5557 Visit us at MercedesBenzBurlington.ca
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Introducing Dennis Siemko & Siemko Wealth M Knowledge, Experience
Dennis Siemko Investment Advisor
Dennis Siemko has read the book, seen the movie, and owns the t-shirt. He’s guided his clients though the highs and lows of the markets for over 30 years – that’s five recessions, including the most recent financial crisis. “My experiences help keep clients focused on the long term when they see extreme fluctuations in the global markets, like we just saw in August,” says Dennis from his Oakville office. “Not much in the markets surprises me anymore.” he laughs. What still surprises him, however, is the confusion as to what a wealth management practice offers. Most equate wealth management to another term for financial planning, when it is really much more than that. Dennis has prepared the following piece that should help clarify the matter.
WEALTH MANAGEMENT
P
t
At a certain point in your life, things started to get a little more complex. Buying your first home, investing for your retirement, making sure you have the what-ifs covered. Now you’re at a stage where your retirement plans are maxed out, ealth Man you’ve built a large investment portfolio, and you may own nal W ag o i em s multiple properties and – let’s not forget – you have a s en fe o r much higher tax burden. To coordinate everything, Investing you may have created a financial plan in the Financial Tax past, but it no longer fulfills your needs. Wealth Planning Planning management is a comprehensive approach to managing your financial concerns and Charitable Retirement Giving Wealth Planning achieving your goals in life. It includes advice Management on your investments and retirement plans – but it extends well beyond that to include advice Estate Education Planning on protecting your lifestyle, minimizing your Credit & tax exposures, maximizing your income and Insurance Lending Planning organizing your estate. Think of it as a long-term planning service that brings together all your tax, retirement, estate, investment and insurance needs.
Professional Wealth Management Since 1901
RBC Dominion Securities Inc.* and Royal Bank of Canada are separate corporate entities which are affiliated. *Member-Canadian Investor Protection Fund. Insurance products are offered through RB sentatives of RBC Wealth Management Financial Services Inc. ®Registered trademark of Royal Bank of Canada. Used under licence. RBC Dominion Securities is a registered trademark of Royal Bank
RBC DOMINION SECURITIES
Management Group of RBC Dominion Securities e, Expertise and Service OUR WEALTH MANAGEMENT The wealth management services provided by Siemko Wealth Management Group of RBC Dominion Securities are comprehensive. It’s an important distinction because some investment advisors will claim to offer ‘wealth management’ but a closer look shows they are mostly limited to selling certain investment products. With a more complex financial situation you need more than that. Our multi-disciplinary and on-going approach involves experts in different areas, including investment advisors, insurance specialists, estate planners, and legal advisors which ensures you can effectively manage the options, obstacles and challenges your wealth brings.
We’ve welcomed this opportunity to be presented alongside the other partners in this magazine. We hope you found this piece helpful. Should you have any questions, please contact us. SIEMKO WEALTH MANAGEMENT GROUP OF RBC DOMINION SECURITIES 905-469-7100 | dennis.siemko@rbc.com | www.siemkowealth.com
BC Wealth Management Financial Services Inc., a subsidiary of RBC Dominion Securities Inc. When providing life insurance products in all provinces except Quebec, Investment Advisors are acting as Insurance Repreof Canada. Used under licence. ©Copyright 2011. All rights reserved.
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Investing in the beauty
of a well-appointed home
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Reimer Design has remained a boutique firm over the past 20 years to ensure that clients can benefit from the personal attention of an experienced designer devoted to their needs. Drawing on both classical and contemporary design styles, Wendy Reimer’s work can simply be described as “beautiful”. An accredited professional, Wendy provides a seamless process to create custom spaces that are elegant and welcoming. • Reimer Design offers an extensive range of services including consultation, conceptual design and spatial planning, selection of furnishings, accessories and art – as well as custom design and production of cabinetry, furniture and window treatments. Close collaboration with contractors, builders, architects and artisans ensures that the final outcome reflects the original objective of the client in every detail. A list of client endorsements can be accessed through the Reimer Design website. | www.reimerdesign.com
to arrange for an appointment, please contact: phone 905 • 842 • 0449
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Twelve Trees of Christmas NOVEMBER 19 TO DECEMBER 11, 2011 A TORONTO HOLIDAY TRADITION! Spectacular trees designed by Toronto’s top designers and architects
THE TSARS’ CABINET THE LUXURY AND ROMANCE OF THE ROMANOVS OCT 13 TO JAN 8, 2012
Presented by: Presented By:
Tour Organized By:
Annual Media Sponsor:
The Tsars’ Cabinet is developed from the Kathleen Durdin Collection and is organized by the Muscarelle Museum of Art at the College of William & Mary, Williamsburg, Virginia, in collaboration with International Arts & Artists, Washington, D.C. Photo: Tsar Nicholas II and Alexandra with their four daughters, Peterhof, c. 1901. Photo by Rafail Sergeevich Levitsky. Reproduced Courtesy of the Di Rocco Wieler Collection.
111 Queen’s Park 416.586.8080 gardinermuseum.com
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p r e v i e w t o d ay
The
final release
by appointment
Twelve eleganT waTerfronT Condominium residenCes
It’s Simply About Time TO M A K E A N A P P O I N T M E N T, P L E AS E CA L L ( 9 0 5 ) 8 42-1 5 02 O R E M A I L SA L ES @ E d g E M E R E .CA CO N ST Ru CT I O N N Ow u N d E RwAy | 1 5 02 L A K ES H O R E ROA d E AST, OA KV I L L E , CA N A dA L 6 J 1 M 1 | w w w. E d g E M E R E .CA
A Registered Cooperating Broker RE/MAX Aboutowne Realty Corp., Brokerage The Invidiata Team. 83 Reynolds Street, Oakville, ON L6J 3K3 905-339-3444 www.invidiata.com
project of the year Prices, sizes and specifications are subject to change without notice. E. & O.E. Photography is representational.
WATERFRONT PROPERTIES
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ESTATE RESIDENTIAL
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Elizabeth Interiors 32,000 sq. ft. Showroom 409 Brant St., Burlington 905.333.6670 1.800.846.7845
rev3.indd 1
style. Thomasville Burlington 18,000 sq. ft. Showroom 2269 Fairview St., Burlington 905.631.6000
www.elizabethinteriors.com
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HOCKEY IS ON!
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Win Henstock Gallery
wildlife
The finest in untamed art and accessories in the heart of beautiful Downtown Oakville. Expand your collection. Give the perfect gift. Or add a finishing touch.
The Bronze Frog Gallery 162 Lakeshore Road East Downtown Oakville ON L6J 1H4 Phone: 905.849.6338 Toll Free: 1.866.990.0092
www.bronzefroggallery.com
Let Our Experience Guide Your Next Insurance Decision. Coverage that suits your lifestyle. A policy that gives you choices. Service that consistently earns high marks. And no surprises if you have to report a claim. For over a century, the hallmarks of Chubb Insurance have been innovation, quality protection and unparalleled service. When you couple Chubb’s benefits with the unique approach of our VIP Concierge Service, you have what we believe to be the finest combination of service and protection available today! For the homeowner who wants exceptional value, there is really only one choice - Dan Lawrie Insurance Brokers and Chubb Insurance. Your partners in offering the ultimate in VIP Service and Advice. For your personal, complimentary review, call Bob Lawrie - Vice President at Dan Lawrie Insurance Brokers today.
Proud Cornerstone Broker. A prestigious designation recognized as a best-in-class Chubb Broker.
OAKVILLE (905) 815-0045 | BURLINGTON (905) 681-2766 | TOLL FREE (800) 661-1518 www. d a n l a w r i e . c o m
LAST CHANCE AT PRE-CONSTRUCTION PRICING
WEST BUILDING
CONSTRUCTION STARTING THIS FALL! Receive $10,000 in Upgrades or 1 Year Free Maintenance* When you purchase the suite of the month. BRONTE RD
HWY. 403/QEW
BURLOAK DR
DUNDAS ST. W. APPLEBY LINE
RESORT LAKESIDE CONDOMINIUMS IN OAK VILLE Last Chance at Pre- Construction Pricing From the low $40 0’s to over $1 million
LAKESHORE RD
bluwatercondos.com or 416.987.8800
LAKE ONTARIO
SaLES CENTrE HoUrS: Mon-Thurs 12-7pm Sat & Sun 12 - 6pm Friday Closed
3500 Lakeshore Rd W. Oakville
*See sales representative for details. Limited time offer. Exclusive Listing Brokerage, The Invidiata Team. Brokers Protected. Prices and specifications subject to change without notice. E. & O.E
W ELCOME
TO THE MOST MAGICAL FAIRY TALE OF ALL: Y OURS
Whether you escape to the Caribbean, Mexico or even Alaska, Disney Cruise Line has something magical for every member of your crew— with separate areas and activities for kids, teens, adults and families.
For more information or to plan your magical voyage, please contact us at: 10 McEwan Drive West, Bolton, ON 1 (855) FDMAGIC (336-2442) www.fairytaledestinations.com Ships’ Registry: The Bahamas ©Disney