Scott Zimmer - Terra Geothermal Inc.
Thank you for helping us. You and the team at The Peacock Sheridan Group were able to share a level of planning that is definitely innovative. Thanks again. Scott.
Chris & Leah Zimmermann - Big Slick Custom Made
When we first started talking to Dustin 3 years ago, we were just getting our family going and thought we had our planning in check. Dustin was able to share some innovative ideas that did not sacrifice our monthly spending and enabled us to protect our needs and start saving for the future. Now that we can spend less time focusing on our financial affairs we can direct our energy towards our business, which in turn increases our bottom line. Chris & Leah Zimmermann.
Rob Dion and Lee Ivans - The Dion Ivans Group
Being in a partnership in today's business world poses some financial challenges if the proper planning is not properly addressed. Dustin was able to have an open discussion with us regarding the "what if's" of a partnership. He was able to illustrate our potential challenges in an easy to follow manor and provided a solution that fit our overall objectives. Rob Dion & Lee Ivans.
Jordan Tetreau and Andrea Mikkelson - Mint Property Group.
Since we began working with Dustin our business has seen significant growth. Dustin has taken care of all our partnership planning and has been there for many changes along the way - corporate and personal. In turn we have been able to focus on what we know best, recreational real estate sales and marketing. Jordan.
Dr. Brett R. Phillips, B.Sc., L.Ac., N.D.
Dustin Serviss has provided me tremendous help with my business planning. His insight and strategic thinking has put me ahead of the curve in both my business awareness and monetary gains. In the decade that I have known Dustin, he has shown me nothing but hard work, confidence and dedication. In my opinion, Dustin’s breathe of knowledge and skills are far superior to that of the regular financial planner. Brett.
Greg Carlin and Rocky Becker - Partners in Grayhawk Industries Ltd.
Dustin was a pleasure to deal with regarding our partnership insurance. His extreme attention to detail and his energetic personality made business dealings a refreshing experience. Greg.
Troy Hunnie - Owner of Spincaster Productions Inc.
Dustin has a sense of looking ahead and making sure nothing gets missed. If there is a way to get things done he will find it. He is an extremely hard worker and will make sure your best interest is always kept at the forefront. Troy.
Mark and Terry Oatway - Owners of Oatway Contracting.
The thing that makes Dustin Serviss's practice, is his persistency and his personality. The experience we had with Dustin was enjoyable and accommodating to our needs. He has an amazing amount of patience as well as an ability to illustrate the need for certain coverage's when running a business. Terry.
Ryan and Jaime Dion
Dustin was able to refer us to a strategy that; pays our mortgage down significantly faster, lowers our monthly mortgage payments and could save us approximately $100,000. This strategy allowed us to obtain; life insurance, an investment plan and a better lifestyle month to month. From a financial planning standpoint, by implementing this strategy Dustin was able to improve our financial picture as well as improve our daily living. Ryan.
Sarah Zimmermann - SugarCup Cupcakes
I have known Dustin for many years and always respected his drive to help people. I believe by asking me a lot of questions regarding my business he was able to build me a plan that fit my situation now and provides ample growing room for my future business growth. As a business in the infant stages a proper foundation is key and Dustin has given me that confidence to focus on my business and not on my financial planning. Sarah.
Tuesday, July 28, 2009
Wednesday, July 22, 2009
Market Update from Kelowna
VPI Dixon Mitchell Quarterly Commentary
This was the 7th quarter for the VPI Dixon Mitchell Canadian Balanced Pool, with steady growth in assets since its launch in early October 2007. For the quarter ended June 30th, the Canadian Balanced Pool has returned 11.4%, and had a yield of 4% at quarter end.
Lead by continued strength in the heavily weighted Financial and Energy sectors, the recovery which began late in March continued throughout the second quarter, leaving the TSX Index with an impressive 20% gain for the quarter. With weak underlying fundamentals, we remain unconvinced that recent gains in the Energy and Materials sectors are sustainable, and so continue to be only modestly weighted in these sectors.
Given the tepid outlook for the US$, we took advantage of some strong gains in our foreign holdings and meaningfully reduced our weighting in this area. We also increased our exposure to defensive Canadian names by adding Pembina Pipelines and Shaw Communications. Pembina has long-term contracts to move oil from northern Alberta to Edmonton, with little exposure to oil price fluctuations. It should benefit from higher volumes going forward as more tar-sands projects come on-line. Similarly, we view Shaw as a communications “pipeline” which delivers media and internet content through its cable network. It too should benefit as more content and applications such as video-on-demand are delivered through its effectively monopolistic network.
Our decision to increase our weighting in investment grade corporate bonds in the first quarter, which had some of the most attractive valuations relative to government bonds in the past 30 years, greatly benefited the fixed income portion of the portfolio during the quarter. While we saw the spreads on corporate bonds tighten significantly over the quarter, the current blended yield on the corporates is still about 1.5% over the governments.
Dixon Mitchell’s investment process is orientated to creating portfolios which produce high and sustainable cash flows. Consistent with this approach, even in the context of the current challenging economic environment, several companies in the portfolio have increased their dividends in 2009. We believe dividend increases reflect management’s confidence in the future long-term outlook for their companies.
We continue to focus our efforts on finding companies with sustainable competitive advantages which we can purchase at reasonable valuations to free cash flow. We remain confident this will provide our clients solid returns over the long run with limited downside risk.
Information provided by: Rob McConnachie, CFA
Dixon Mitchell Investment Counsel, Inc.
This was the 7th quarter for the VPI Dixon Mitchell Canadian Balanced Pool, with steady growth in assets since its launch in early October 2007. For the quarter ended June 30th, the Canadian Balanced Pool has returned 11.4%, and had a yield of 4% at quarter end.
Lead by continued strength in the heavily weighted Financial and Energy sectors, the recovery which began late in March continued throughout the second quarter, leaving the TSX Index with an impressive 20% gain for the quarter. With weak underlying fundamentals, we remain unconvinced that recent gains in the Energy and Materials sectors are sustainable, and so continue to be only modestly weighted in these sectors.
Given the tepid outlook for the US$, we took advantage of some strong gains in our foreign holdings and meaningfully reduced our weighting in this area. We also increased our exposure to defensive Canadian names by adding Pembina Pipelines and Shaw Communications. Pembina has long-term contracts to move oil from northern Alberta to Edmonton, with little exposure to oil price fluctuations. It should benefit from higher volumes going forward as more tar-sands projects come on-line. Similarly, we view Shaw as a communications “pipeline” which delivers media and internet content through its cable network. It too should benefit as more content and applications such as video-on-demand are delivered through its effectively monopolistic network.
Our decision to increase our weighting in investment grade corporate bonds in the first quarter, which had some of the most attractive valuations relative to government bonds in the past 30 years, greatly benefited the fixed income portion of the portfolio during the quarter. While we saw the spreads on corporate bonds tighten significantly over the quarter, the current blended yield on the corporates is still about 1.5% over the governments.
Dixon Mitchell’s investment process is orientated to creating portfolios which produce high and sustainable cash flows. Consistent with this approach, even in the context of the current challenging economic environment, several companies in the portfolio have increased their dividends in 2009. We believe dividend increases reflect management’s confidence in the future long-term outlook for their companies.
We continue to focus our efforts on finding companies with sustainable competitive advantages which we can purchase at reasonable valuations to free cash flow. We remain confident this will provide our clients solid returns over the long run with limited downside risk.
Information provided by: Rob McConnachie, CFA
Dixon Mitchell Investment Counsel, Inc.
Sunday, July 19, 2009
Serviss's Millionaire Comment for Kelowna
Set a goal to become a millionaire for what it makes of you to achieve it. Do it for the skills you have to learn and the person you have to become. Do it for what you’ll end up knowing about the marketplace, what you’ll learn about the management of time and working with people. Do it for the ability of discovering how to keep your ego in check. For what you have to learn about being benevolent. Being kind as well as being strong. What you’ll have to learn about society and business and government and taxes and becoming an accomplished person to reach the status of millionaire is what’s valuable. Not the million dollars. – These words were written by Earl Shoaf.
Friday, July 3, 2009
Life Insurance & Investment - Serviss Facebook one liners
- Love is one long sweet dream, and marriage is the alarm clock. Do not let an illness or passing be your alarm clock to realize the value of insurance, contact Serviss before you wake up.
- ....yes hello... I'll get, 1 vente earl grey 2 pump sugar free tea serviss and a banana loaf.
-See what other successful Entrepreneurs are taking advantage of - http://serviss.ca/testimonials.html
-What happens if you get scared half to death twice...Regardless, your family will never think you had too much life insurance.
-It is simple, Serviss protects you from living too long, dying too early and if you become disabled.
-www.serviss.ca reaches 90,000 website hits. Who knew so many people were interested in Life Insurance and Wealth Management Serviss's.
-There is the right way, the wrong way and the Serviss way. (Inspired by the Generals Daughter)
-The World's Serviss Marketplace.
-Sell the Serviss not the Steak
-Serviss, it's everywhere you wanna be
-Warning! Serviss may be closer than it appears
-With Serviss, It's Personal
-Serviss is really my last name. Google it
-...Blue Horse Shoe Loves Serviss Steel...
-Chase excitement and you'll find Serviss.
-Hasta la Servista, baby
-There is good Serviss and there is bad Service, period, that's the distinction.
-The square root of Chuck Norris is pain. The square root of Serviss is your piece of mind.
-If passion drives you, let Serviss hold the reins.
-Marriage is like a violin. After the music is over, you still have the strings. Get your strings inline with Serviss.
-Money can't buy happiness, but it and Serviss can help you look for it quicker, in a convertible.
-Get busy livin' or get busy dyin' either way get life insurance with Serviss. (Inspired by Shawshank)
-"Serviss" Busy = Busier than a three legged cat in a dry sand box.
-Serviss is never to busy for your referrals. You refer, you are rewarded.
-CAUTION! Serviss in progress
-Whatever you are into, get into this insurance, investment and home refinancing Serviss.
-This Serviss is creating a fabric of the future.
-Canadian by birth. Serviss by choice
-Say'ELLO TO MA little friend Serviss.
-Love is holding hands in the street. Marriage is holding arguments in the street. Mitigate your financial arguments with Serviss.
-A woman has the last word in any argument. Anything a man says after that is the begining of a new argument - Serviss.
-Serviss's Eleven
-Who died and made you Serviss.
-Hooked on Serviss worked for me.
-Have your Serviss and eat it too.
-In Serviss and in health, till Serviss due us part
-True Serviss either has to be first, best, or different.
-The candy Serviss that melts in your mouth - not in your hand.
-Before marriage, a man yearns for the woman he loves. After marriage, the 'Y' becomes silent. Seek Serviss for a plan.
-Serviss is as Serviss does... and that's all I have to say about that.
-This life insurance Serviss is to die for.
-The only day not Serviss friendly is the day with no "y" in it.
-How do you spell financial relief. S-E-R-V-I-S-S.
-Fathers of daughters, don't be nervous, it's just Serviss.
-You had me at Serviss. (Submitted by B.M.) - Follow Serviss on Twitter -Dustin T. 'Serviss'
-Sheer, Seamless, Heavenly fit Serviss. (Submitted by A.H.)
-Lose the carbs. Not the Serviss
-Will you be ready" for this Serviss
-I will lay my Serviss down on the table beside anyone's.
-Do finances have you as confused as a baby in a topless bar - Get Serviss.
-Knowledge is power, but Serviss & enthusiasm pull the switch.
-Serviss, it keeps going and going and going
-To sell unto others, as you would have others sell unto you. (Serviss-3:16)
-A yardstick for Serviss.
-... S e r v i s s ... we have a problem ... over.
-The world will never be the same once you've seen it through the eyes of Serviss.
-Serviss... it's viral
-What happens with Serviss. Stays with Serviss. Your 'financial' information is always 100% confidential.
-When in doubt... Control, Alt, Serviss.ca.
-Big wheel keep on turnin. Proud Serviss keep on burnin. (Submitted by M.M.)
-Burning ring of Serviss.
-Serviss is like air... It's only a big deal if you don't get any.
-The best part of waking up is Serviss in your cup.
-Serviss, love it and/or leave it. Either way, client's will always come first.
-Your financial plan's spell check - Serviss
-...Yes... Can I please get, 1 Xtra Large, Xtra Hot, Serviss Serviss... and an Everything bagel (not toasted)...
-Splash Serviss All Over.
-Premium Triple Distilled Serviss
-Oh my my, oh hell yes hunnie put on that Serviss dress.... (harmonica & electric guitar)
-A Serviss you can ride on.
-151 Countries, One Serviss.
-Creating a stir with the name Serviss... or could it be something else?
-Your Life Insurance, Investment & Home Refinancing Serviss. (I know this one is boring, but a Serviss none the less)
-Servissing you today, tomorrow, day and night.
-Serviss is the triumph of imagination over intelligence.
-Never confuse motion with action - Serviss
-The Serviss mind, once stretched by a new idea, never regains its original dimensions.
-Absence sharpens love, Serviss strengthens it
-It is high time that the ideal of success should be replaced by the ideal of Serviss.
-24 hr oil lube and Serviss
-Serviss oil lube and filter
-Pain is Serviss leaving the body. Oh thats a good one I think I've got a side stitch.
-Keep fit and have Serviss.
-i see serviss people...
-The One. The Only. Serviss.ca
-Providing Serviss that is not just the best, but legendary.
-Price & Quality only get you into the game. Serviss wins you the game.
-People expect good Serviss, but only Serviss is willing to give it.
-Products can be duplicated. Serviss at this level cannot.
-Serviss is not a department, it's an attitude.
-Value is the essence of Serviss.
-Got Service. Get Serviss
-When the going gets tough, the tough get SERVISS!
-I don't get even, I get Serviss
-Lifes a dance with Serviss
-Building it one Serviss at a time
-As far as the Serviss can see
-You'll love the way your Serviss feels
-Make a difference, Serviss.
-Adult Serviss
-Serviss sells
-H E R E ' s Serviss!!!
-Take advice from those who have earned it
-Are you renting your life from someone else... Serviss your life and own it.
-Life is like a box of Serviss, difference is, you know what your gonna get inside.
-There is only one man with the true Serviss.
-Lose the carbs not the Serviss
-Warning! Serviss may be closer than it appears
- ....yes hello... I'll get, 1 vente earl grey 2 pump sugar free tea serviss and a banana loaf.
-See what other successful Entrepreneurs are taking advantage of - http://serviss.ca/testimonials.html
-What happens if you get scared half to death twice...Regardless, your family will never think you had too much life insurance.
-It is simple, Serviss protects you from living too long, dying too early and if you become disabled.
-www.serviss.ca reaches 90,000 website hits. Who knew so many people were interested in Life Insurance and Wealth Management Serviss's.
-There is the right way, the wrong way and the Serviss way. (Inspired by the Generals Daughter)
-The World's Serviss Marketplace.
-Sell the Serviss not the Steak
-Serviss, it's everywhere you wanna be
-Warning! Serviss may be closer than it appears
-With Serviss, It's Personal
-Serviss is really my last name. Google it
-...Blue Horse Shoe Loves Serviss Steel...
-Chase excitement and you'll find Serviss.
-Hasta la Servista, baby
-There is good Serviss and there is bad Service, period, that's the distinction.
-The square root of Chuck Norris is pain. The square root of Serviss is your piece of mind.
-If passion drives you, let Serviss hold the reins.
-Marriage is like a violin. After the music is over, you still have the strings. Get your strings inline with Serviss.
-Money can't buy happiness, but it and Serviss can help you look for it quicker, in a convertible.
-Get busy livin' or get busy dyin' either way get life insurance with Serviss. (Inspired by Shawshank)
-"Serviss" Busy = Busier than a three legged cat in a dry sand box.
-Serviss is never to busy for your referrals. You refer, you are rewarded.
-CAUTION! Serviss in progress
-Whatever you are into, get into this insurance, investment and home refinancing Serviss.
-This Serviss is creating a fabric of the future.
-Canadian by birth. Serviss by choice
-Say'ELLO TO MA little friend Serviss.
-Love is holding hands in the street. Marriage is holding arguments in the street. Mitigate your financial arguments with Serviss.
-A woman has the last word in any argument. Anything a man says after that is the begining of a new argument - Serviss.
-Serviss's Eleven
-Who died and made you Serviss.
-Hooked on Serviss worked for me.
-Have your Serviss and eat it too.
-In Serviss and in health, till Serviss due us part
-True Serviss either has to be first, best, or different.
-The candy Serviss that melts in your mouth - not in your hand.
-Before marriage, a man yearns for the woman he loves. After marriage, the 'Y' becomes silent. Seek Serviss for a plan.
-Serviss is as Serviss does... and that's all I have to say about that.
-This life insurance Serviss is to die for.
-The only day not Serviss friendly is the day with no "y" in it.
-How do you spell financial relief. S-E-R-V-I-S-S.
-Fathers of daughters, don't be nervous, it's just Serviss.
-You had me at Serviss. (Submitted by B.M.) - Follow Serviss on Twitter -Dustin T. 'Serviss'
-Sheer, Seamless, Heavenly fit Serviss. (Submitted by A.H.)
-Lose the carbs. Not the Serviss
-Will you be ready" for this Serviss
-I will lay my Serviss down on the table beside anyone's.
-Do finances have you as confused as a baby in a topless bar - Get Serviss.
-Knowledge is power, but Serviss & enthusiasm pull the switch.
-Serviss, it keeps going and going and going
-To sell unto others, as you would have others sell unto you. (Serviss-3:16)
-A yardstick for Serviss.
-... S e r v i s s ... we have a problem ... over.
-The world will never be the same once you've seen it through the eyes of Serviss.
-Serviss... it's viral
-What happens with Serviss. Stays with Serviss. Your 'financial' information is always 100% confidential.
-When in doubt... Control, Alt, Serviss.ca.
-Big wheel keep on turnin. Proud Serviss keep on burnin. (Submitted by M.M.)
-Burning ring of Serviss.
-Serviss is like air... It's only a big deal if you don't get any.
-The best part of waking up is Serviss in your cup.
-Serviss, love it and/or leave it. Either way, client's will always come first.
-Your financial plan's spell check - Serviss
-...Yes... Can I please get, 1 Xtra Large, Xtra Hot, Serviss Serviss... and an Everything bagel (not toasted)...
-Splash Serviss All Over.
-Premium Triple Distilled Serviss
-Oh my my, oh hell yes hunnie put on that Serviss dress.... (harmonica & electric guitar)
-A Serviss you can ride on.
-151 Countries, One Serviss.
-Creating a stir with the name Serviss... or could it be something else?
-Your Life Insurance, Investment & Home Refinancing Serviss. (I know this one is boring, but a Serviss none the less)
-Servissing you today, tomorrow, day and night.
-Serviss is the triumph of imagination over intelligence.
-Never confuse motion with action - Serviss
-The Serviss mind, once stretched by a new idea, never regains its original dimensions.
-Absence sharpens love, Serviss strengthens it
-It is high time that the ideal of success should be replaced by the ideal of Serviss.
-24 hr oil lube and Serviss
-Serviss oil lube and filter
-Pain is Serviss leaving the body. Oh thats a good one I think I've got a side stitch.
-Keep fit and have Serviss.
-i see serviss people...
-The One. The Only. Serviss.ca
-Providing Serviss that is not just the best, but legendary.
-Price & Quality only get you into the game. Serviss wins you the game.
-People expect good Serviss, but only Serviss is willing to give it.
-Products can be duplicated. Serviss at this level cannot.
-Serviss is not a department, it's an attitude.
-Value is the essence of Serviss.
-Got Service. Get Serviss
-When the going gets tough, the tough get SERVISS!
-I don't get even, I get Serviss
-Lifes a dance with Serviss
-Building it one Serviss at a time
-As far as the Serviss can see
-You'll love the way your Serviss feels
-Make a difference, Serviss.
-Adult Serviss
-Serviss sells
-H E R E ' s Serviss!!!
-Take advice from those who have earned it
-Are you renting your life from someone else... Serviss your life and own it.
-Life is like a box of Serviss, difference is, you know what your gonna get inside.
-There is only one man with the true Serviss.
-Lose the carbs not the Serviss
-Warning! Serviss may be closer than it appears
Thursday, July 2, 2009
ARM Mortgages, How DSC works, Kelowna Camping & Dr Nick Bontis
Hello my friend,
I hope this email finds you in good summer time spirits.
1) Upcoming Mortgage Wave
2) Do you have 'DSC' funds in your investment portfolio?
3) Dr. Nick Bontis
4) Local camping hot spots
1) Mortgage reset wave about to start in US (see attached image - Please remember this is US not Canadian figures)...
Has the US learnt enough to stick handle through the next mortgage wave. I stumbled on this back in February on 60 minutes and it has been something I have been watching ever since. Also attached is a link illustrating the Subprime issues and what is upcoming for the next wave of Option Adjustable Mortgages. Please remember in Canada we do not have mortgages similar to these but I do believe one needs to keep an eye on the US from time to time.
Click here to view a Bloomberg Article
2) Sample from the attached article...
The more your money grows the more commission the advisor is receiving. In a new DSC type investment the advisor is compensated largely upfront (before they even do anything, really) and then trickled a commission over time… who do you think is going to pay attention more in the long run. Who is building an actual business and who is the salesman…
Who is building an actual business and who is the salesman…
Deferred Sales Charge Explained (DSC)
To explain my point I will use Investors Group (IG) as an example. I only use them as they have an easy to explain business model. I have nothing against IG and wish only here to showcase how different models look.
If you invest $100,000 into an IG (DSC) fund and you withdrew your money in the first 2 years you would be paying 5.5% in fees based on the $100,000. If the market went down since you invested and you had a market value of $95,500 in your account, you would net at the end of the day $90,000 ($100,000 – market loss of $4,500 - $5,500 in fees).
The advisor on this transaction would have made anywhere between approximately 3.0% - 4.5% commission initially once the money was deposited or transferred, depending on his or her years in the business… The advisor will also receive a 0.5% trailer commission every year the money stays in house. Gets you thinking, doesn’t it… You can see how the fees play out for the remaining years.
Redemption fees at Investors Group
When redeemed Fee %
Within two years 5.5
During third year 5.0
During fourth year 4.5
During fifth year 4.0
During sixth year 3.0
During seventh year 1.5
After seven years None
Source: Investors Group Inc.
These DSC type funds used to be very popular in the past and some advisors still actively use them as they believe that DSC funds like this keep their clients locked in through rough times and it helps keep the client focused on the long term… I will not speak for anyone else but I personally like having options, while maintaining long term focus.
There are other models out there that could be more appealing. One of them is called low load funds (LL). This allows you to invest your money in sound investments, allows the advisor to get paid for his/her efforts and if you need to take your money out for an emergency or life change, the fees will not cause you to claim on your life insurance. Here is a Low Load (LL) example from a company called Value Partners Investments.
Redemption fees at Value Partners Investments
When redeemed Fee %
Within 1st year 3.0
During 2nd year 2.0
During 3rd year 1.0
The commission on Value Partners Low Load is between 1.75 – 2.0% once it makes it to the advisor. Some advisors may vary based on their dealer but you get a rough idea of the difference. As well the advisor would receive approximately a 0.8% renewal commission once the 3 year schedule was satisfied.
Low Load gives you and the advisor a win win. You the investor has an incentive to stay invested for at least three years to deter you from trying to time the market with your RRSP’s and retirement nest eggs. The advisor is compensated for preparing your proposal, monitoring your holdings and staying in tune with the overall economy. I guess the third win is; if you need the money in an emergency you can access it without big penalties.
If an advisor is paid less in the upfront but a little more over time and that renewing pay is based on the overall size of the portfolio, you can bet that later advisor is going to pay more attention to what your money is invested in. The more your money grows the more commission the advisor is receiving. In a DSC situation the advisor is compensated largely upfront (before they even do anything, really) and then trickled a commission over time… who do you think is going to pay attention more in the long run. Who is building an actual business and who is the salesman…
3) Dr. Nick Bontis - I recently attended a conference in Indianapolis Indiana. There were a host of top notch professional speakers, presenters and comedians. One that I wanted to share with you is Dr. Nick Bontis. He provides an interesting spin on the economy and the evolution of technology in our society. Attached is a 4 minute video of him sharing his thoughts. (If link doesn't work - YouTube Search - Dr. Nick Bontis Keynote Speaker)
Click here to view a great clip
4) Camping Hot Spots close to Kelowna (within 90 min drive)
- Owls Nest on Kal Lake - I recently stayed here and was very impressed with the value. Clean overall site, clean bathrooms, hot showers, great beach and boat access (launch). Power, sewer and water on most sites and the overall feel was great for adults and children. There is a great fire pit down on the water for relaxing... and there were minimal mosquito's which is always nice. Also for all you hardcore cell phone users out there, there is great cell service and it is close to town if you need to make that special trip to take care of business.
- Mable Lake (Forestry Site) - This is definitely a little more rugged. Great fire pits in the sites, great access to the beach and there is a boat launch. The bonus to this site is if you are an outdoors type the mountains are right there. If you are into ATV'ing, hiking, mountain biking or showing the children how to shoot pop cans with a pellet gun, this is the place. Dogs are allowed and the overall feel was very relaxing.
- Cathedral Provincial Park - if you are into spectacular hiking... look no further!
Have a great summer and as always if you, your co-workers, friends or family have any insurance or wealth management questions I am never too busy.
Dustin
www.serviss.ca
Dustin Serviss, RHU
Associate
The Peacock Sheridan Group
205-1180 Sunset Drive Phone 250.869.1451
Kelowna BC V1Y 9W6 Fax 250.869.1452
I hope this email finds you in good summer time spirits.
1) Upcoming Mortgage Wave
2) Do you have 'DSC' funds in your investment portfolio?
3) Dr. Nick Bontis
4) Local camping hot spots
1) Mortgage reset wave about to start in US (see attached image - Please remember this is US not Canadian figures)...
Has the US learnt enough to stick handle through the next mortgage wave. I stumbled on this back in February on 60 minutes and it has been something I have been watching ever since. Also attached is a link illustrating the Subprime issues and what is upcoming for the next wave of Option Adjustable Mortgages. Please remember in Canada we do not have mortgages similar to these but I do believe one needs to keep an eye on the US from time to time.
Click here to view a Bloomberg Article
2) Sample from the attached article...
The more your money grows the more commission the advisor is receiving. In a new DSC type investment the advisor is compensated largely upfront (before they even do anything, really) and then trickled a commission over time… who do you think is going to pay attention more in the long run. Who is building an actual business and who is the salesman…
Who is building an actual business and who is the salesman…
Deferred Sales Charge Explained (DSC)
To explain my point I will use Investors Group (IG) as an example. I only use them as they have an easy to explain business model. I have nothing against IG and wish only here to showcase how different models look.
If you invest $100,000 into an IG (DSC) fund and you withdrew your money in the first 2 years you would be paying 5.5% in fees based on the $100,000. If the market went down since you invested and you had a market value of $95,500 in your account, you would net at the end of the day $90,000 ($100,000 – market loss of $4,500 - $5,500 in fees).
The advisor on this transaction would have made anywhere between approximately 3.0% - 4.5% commission initially once the money was deposited or transferred, depending on his or her years in the business… The advisor will also receive a 0.5% trailer commission every year the money stays in house. Gets you thinking, doesn’t it… You can see how the fees play out for the remaining years.
Redemption fees at Investors Group
When redeemed Fee %
Within two years 5.5
During third year 5.0
During fourth year 4.5
During fifth year 4.0
During sixth year 3.0
During seventh year 1.5
After seven years None
Source: Investors Group Inc.
These DSC type funds used to be very popular in the past and some advisors still actively use them as they believe that DSC funds like this keep their clients locked in through rough times and it helps keep the client focused on the long term… I will not speak for anyone else but I personally like having options, while maintaining long term focus.
There are other models out there that could be more appealing. One of them is called low load funds (LL). This allows you to invest your money in sound investments, allows the advisor to get paid for his/her efforts and if you need to take your money out for an emergency or life change, the fees will not cause you to claim on your life insurance. Here is a Low Load (LL) example from a company called Value Partners Investments.
Redemption fees at Value Partners Investments
When redeemed Fee %
Within 1st year 3.0
During 2nd year 2.0
During 3rd year 1.0
The commission on Value Partners Low Load is between 1.75 – 2.0% once it makes it to the advisor. Some advisors may vary based on their dealer but you get a rough idea of the difference. As well the advisor would receive approximately a 0.8% renewal commission once the 3 year schedule was satisfied.
Low Load gives you and the advisor a win win. You the investor has an incentive to stay invested for at least three years to deter you from trying to time the market with your RRSP’s and retirement nest eggs. The advisor is compensated for preparing your proposal, monitoring your holdings and staying in tune with the overall economy. I guess the third win is; if you need the money in an emergency you can access it without big penalties.
If an advisor is paid less in the upfront but a little more over time and that renewing pay is based on the overall size of the portfolio, you can bet that later advisor is going to pay more attention to what your money is invested in. The more your money grows the more commission the advisor is receiving. In a DSC situation the advisor is compensated largely upfront (before they even do anything, really) and then trickled a commission over time… who do you think is going to pay attention more in the long run. Who is building an actual business and who is the salesman…
3) Dr. Nick Bontis - I recently attended a conference in Indianapolis Indiana. There were a host of top notch professional speakers, presenters and comedians. One that I wanted to share with you is Dr. Nick Bontis. He provides an interesting spin on the economy and the evolution of technology in our society. Attached is a 4 minute video of him sharing his thoughts. (If link doesn't work - YouTube Search - Dr. Nick Bontis Keynote Speaker)
Click here to view a great clip
4) Camping Hot Spots close to Kelowna (within 90 min drive)
- Owls Nest on Kal Lake - I recently stayed here and was very impressed with the value. Clean overall site, clean bathrooms, hot showers, great beach and boat access (launch). Power, sewer and water on most sites and the overall feel was great for adults and children. There is a great fire pit down on the water for relaxing... and there were minimal mosquito's which is always nice. Also for all you hardcore cell phone users out there, there is great cell service and it is close to town if you need to make that special trip to take care of business.
- Mable Lake (Forestry Site) - This is definitely a little more rugged. Great fire pits in the sites, great access to the beach and there is a boat launch. The bonus to this site is if you are an outdoors type the mountains are right there. If you are into ATV'ing, hiking, mountain biking or showing the children how to shoot pop cans with a pellet gun, this is the place. Dogs are allowed and the overall feel was very relaxing.
- Cathedral Provincial Park - if you are into spectacular hiking... look no further!
Have a great summer and as always if you, your co-workers, friends or family have any insurance or wealth management questions I am never too busy.
Dustin
www.serviss.ca
Dustin Serviss, RHU
Associate
The Peacock Sheridan Group
205-1180 Sunset Drive Phone 250.869.1451
Kelowna BC V1Y 9W6 Fax 250.869.1452
Thursday, June 25, 2009
Cost savings with added flexibility
WHICH WOULD YOU RATHER?
Example client:
Female, Age 42, Non Smoker
$350,000 Mortgage life insurance through TD bank = $101.50 Per month
$350,000 Mortgage life insurance through RBC bank = $101.50 Per month
OR
$350,000 10 Year Term policy shopped on the open market and obtained through one of Canada’s top four providers = $27.63 per month
Term Life Insurance
-Term policy death benefits do not decline over time. If you start paying for $350,000 that is what is paid out regardless of current mortgage amount.
-Discounts on your premium if you are a healthy non-smoker - (Very significant savings for older people.)
-You own the insurance and it is not tied to the mortgage lender. You have complete freedom to change mortgage lenders.
-You choose who you want to be the beneficiary.
-Policy is owned by you.
-The older you are the more expensive premiums are - in comparison to a personal policy. Over 15 companies competing for your business - get the best rates available based on your health situation.
-You can combine all your insurance needs and get a lower rate with your own plan.
-You undergo all the underwriting now, and then if there is a payout later the process is simple and your beneficiaries are paid quickly.
Lender Provided Mortgage Life Insurance
-Death benefit declines yet premiums do not decline.
-No discounts on premiums for healthy people.
-The bank controls the money and pays off the mortgage - it is a declining amount.
-Bank is the beneficiary.
-Policy is owned by bank.
-You have a separate policy for the mortgage and other policies for other life insurance needs.
-Application process very simple until a claim is made, then the bank does the full underwriting to determine if a payout is warranted.
For more information please contact:
Dustin Serviss (www.serviss.ca)
(250) 869 1451
The Peacock Sheridan Group
Kelowna, BC.
**Application and medical requirements must be obtained prior to policy issue. Numbers and figures illustrated above are believed to be accurate at time of publication but are subject to change without notice. All quotes are dependent on, age, gender, smoking status and medical underwritting.**
Example client:
Female, Age 42, Non Smoker
$350,000 Mortgage life insurance through TD bank = $101.50 Per month
$350,000 Mortgage life insurance through RBC bank = $101.50 Per month
OR
$350,000 10 Year Term policy shopped on the open market and obtained through one of Canada’s top four providers = $27.63 per month
Term Life Insurance
-Term policy death benefits do not decline over time. If you start paying for $350,000 that is what is paid out regardless of current mortgage amount.
-Discounts on your premium if you are a healthy non-smoker - (Very significant savings for older people.)
-You own the insurance and it is not tied to the mortgage lender. You have complete freedom to change mortgage lenders.
-You choose who you want to be the beneficiary.
-Policy is owned by you.
-The older you are the more expensive premiums are - in comparison to a personal policy. Over 15 companies competing for your business - get the best rates available based on your health situation.
-You can combine all your insurance needs and get a lower rate with your own plan.
-You undergo all the underwriting now, and then if there is a payout later the process is simple and your beneficiaries are paid quickly.
Lender Provided Mortgage Life Insurance
-Death benefit declines yet premiums do not decline.
-No discounts on premiums for healthy people.
-The bank controls the money and pays off the mortgage - it is a declining amount.
-Bank is the beneficiary.
-Policy is owned by bank.
-You have a separate policy for the mortgage and other policies for other life insurance needs.
-Application process very simple until a claim is made, then the bank does the full underwriting to determine if a payout is warranted.
For more information please contact:
Dustin Serviss (www.serviss.ca)
(250) 869 1451
The Peacock Sheridan Group
Kelowna, BC.
**Application and medical requirements must be obtained prior to policy issue. Numbers and figures illustrated above are believed to be accurate at time of publication but are subject to change without notice. All quotes are dependent on, age, gender, smoking status and medical underwritting.**
Wednesday, June 3, 2009
How to get on Google Maps & What can I qualify for with a rental suite?
June 2 2009
Hello my friend
How are you? Have you been out on the course yet? I am nursing a bad shoulder but hopefully will be able to get out there in a couple weeks.
Summer activities to keep the kids busy
http://www.summeractivitiesforkids.co.uk/ - This is a UK site but the activities and input are all relevant.
Free Google Exposure
You know when you "Google" a business and the map comes up with the little red pointers on it... if I told you that service was free, would you like to know how to do it? If you do not know what I mean or want an example, Google; Dustin Serviss Kelowna
It is free and very effective for increasing your online profile, business or personal. When potential customers search Maps for local information, they'll find your business (address, hours of operation, even photos of your storefront or products). It's easy, free, and you don't need a website of your own.
Click here: http://maps.google.com/ - then click "Put your business on Google Maps" & follow the instructions.
I just did it for myself so if you need any help let me know.
Exciting Horizon (Call me today) - There are a lot of exciting things happening in the insurance, investment and refinancing arena's. If it has been a while since you reviewed your situation or you have been meaning to get in, do it before the summer craziness begins.
How much financial help does a suite provide for getting a mortgage?
I recently received an illustration from a local mortgage broker outlining the advantages of having a suite. It shows how a person with an income of $47,500 per year can afford a $425,000 mortgage and have a monthly payment of approx. $820 (some variables apply - See attached document) Info provided by Michelle Haddad of Lending Max - Kelowna.
Dustin
www.serviss.ca
Hello my friend
How are you? Have you been out on the course yet? I am nursing a bad shoulder but hopefully will be able to get out there in a couple weeks.
Summer activities to keep the kids busy
http://www.summeractivitiesforkids.co.uk/ - This is a UK site but the activities and input are all relevant.
Free Google Exposure
You know when you "Google" a business and the map comes up with the little red pointers on it... if I told you that service was free, would you like to know how to do it? If you do not know what I mean or want an example, Google; Dustin Serviss Kelowna
It is free and very effective for increasing your online profile, business or personal. When potential customers search Maps for local information, they'll find your business (address, hours of operation, even photos of your storefront or products). It's easy, free, and you don't need a website of your own.
Click here: http://maps.google.com/ - then click "Put your business on Google Maps" & follow the instructions.
I just did it for myself so if you need any help let me know.
Exciting Horizon (Call me today) - There are a lot of exciting things happening in the insurance, investment and refinancing arena's. If it has been a while since you reviewed your situation or you have been meaning to get in, do it before the summer craziness begins.
How much financial help does a suite provide for getting a mortgage?
I recently received an illustration from a local mortgage broker outlining the advantages of having a suite. It shows how a person with an income of $47,500 per year can afford a $425,000 mortgage and have a monthly payment of approx. $820 (some variables apply - See attached document) Info provided by Michelle Haddad of Lending Max - Kelowna.
Dustin
www.serviss.ca
Exciting News - Central Okanagan Foundation & Charity Life Direct!!
May 12th 2009
Hello my friend,
I am excited to share with you that the first local Foundation has got on board with the Charity Life Direct program. Over the past year there have been a number of exciting changes, one of them being the change in our Underwriter. We are pleased to announce BMO Life Assurance Company is now the new issuer of policies through Charity Life Direct. In the early part of 2009, AIG Life of Canada was bought by BMO.
I am proud to announce the Central Okanagan Foundation has recently aligned themselves with the Charity Life Direct team in an effort to enhance their planned giving program.
We recently attended the annual CAGP (Canadian Association of Gift Planners - CAGP) conference in Niagara Falls, April 22, 23 & 24th. We had a representative from BMO there on hand to answer any questions and the feed back we received was fantastic.
On another note, since recently going through all the hoops with another large Foundation and really breaking down all the details of the program, I am even more energetic to bring this program to the Donor's of Kelowna. The program was 25 years in the making and is still the only one of its kind in Canada.
Big or small your foundation, charity or church has access to this program. It is an effortless process to become part of something truly innovative. Let's enhance your organization's planned giving program together!
Call for an appointment today.
Dustin
www.serviss.ca
Hello my friend,
I am excited to share with you that the first local Foundation has got on board with the Charity Life Direct program. Over the past year there have been a number of exciting changes, one of them being the change in our Underwriter. We are pleased to announce BMO Life Assurance Company is now the new issuer of policies through Charity Life Direct. In the early part of 2009, AIG Life of Canada was bought by BMO.
I am proud to announce the Central Okanagan Foundation has recently aligned themselves with the Charity Life Direct team in an effort to enhance their planned giving program.
We recently attended the annual CAGP (Canadian Association of Gift Planners - CAGP) conference in Niagara Falls, April 22, 23 & 24th. We had a representative from BMO there on hand to answer any questions and the feed back we received was fantastic.
On another note, since recently going through all the hoops with another large Foundation and really breaking down all the details of the program, I am even more energetic to bring this program to the Donor's of Kelowna. The program was 25 years in the making and is still the only one of its kind in Canada.
Big or small your foundation, charity or church has access to this program. It is an effortless process to become part of something truly innovative. Let's enhance your organization's planned giving program together!
Call for an appointment today.
Dustin
www.serviss.ca
Use your life insurance when you are still living
May 5th 2009
Hello my friend,
1) How to actually use your own life insurance to enhance your life style now...
2) Great Calculator Website...
3) Creative Mothers Day Gifts...
4) Recent Investment Moves...
1) How to actually use your own life insurance to enhance your life style now...
- My goal is to illustrate a concept many are unaware of. Use your life insurance while you are living... Interesting thought isn't it?
Please understand there are variables in this example and I can provide all my background material upon request. Better yet, if you would like to see if you could qualify for this program, please give me a call. Please remember the numbers are not set in stone and are all relative, if you need more or less coverage your deposit amount will reflect that, pretty simple.
Male, Age 32, Non-Smoker - $300,000 of Life Insurance. Here are the basics:
- He deposits $600 per month into this savings vehicle ($7,200 per year) for 10 years... after which he will stop the deposit.
- Based on the projected dividend rates (100 year track record) he will have life insurance paid up for life. * no further deposits required after yr.10
- At age 60 he will have a guaranteed cash value of $130,000
- At age 60 based on the current dividend scale there would be a total Cash Value and Dividend Value of $266,000 (which can be used to collateralize a loan from the bank and provide him retirement income)
- At age 60 the death benefit would be approx. $552,000 (and growing if an income stream was not being taken)
- Consider this plan a guaranteed (tax sheltered) savings plan with the added benefit of Life Insurance
- Fixed income investments attract the highest tax according to CRA, this insurance savings plan gives you access to a solid fixed income vehicle with the advantage of tax sheltering.
Remember this policy holder only made 10 deposits of $7,200 = $72,000... Yet he has a growing cash value and an increasing death benefit. I have attached an article that outlines how you can utilize that cash in the policy to supplement retirement income in a tax effective manor. Please see PAGE 8.
This concept should be reviewed in person and a personal illustration should be run before ANY decisions are made. Come in today and see if we can enhance your guaranteed savings plan. In market times like now, guaranteed investment vehicles are looking rather attractive, why not bundle your fixed income investments (which attract the highest tax rate) and your life insurance together to produce tax effective growth.
2) Great Calculator Site... http://www.dinkytown.net/
- This is a fantastic site I have been using for a couple months now (scroll down for Canadian specific calcs). It has all sorts of interesting calculators along with your staple financial calculators. Some valuable ones are: Auto lease vs auto purchase, Rent vs. Buy Real Estate, Cool Million, Life Insurance Calc...
3) Creative Mothers Day Gifts...
http://www.gifts.com/occasions/mothers-day/her/o11hFr6aicp849n?featuredIdea=8330
4) Recent Investment Moves
- AT&T, General Mills, General Electric and Coca-Cola have been sold out of the Foreign Equity Pool. Schlumberger, Deere and Co. and BHP Billiton have been added. To give you a sense of our philosophy I have attached a summary report I received directly from the Director of Research himself on April 15th 2009. I have not diluted the info and it is all right there. It is only half a page but after reading it you will understand our thought process when a buy or sell decision is made.
I look forward to your continued trust and as always if you, your co-workers, friends or family have any questions I am never too busy for your/their call.
Dustin
www.serviss.ca
Dustin Serviss, RHU
Associate
The Peacock Sheridan Group
205-1180 Sunset Drive Phone 250.869.1451
Kelowna BC V1Y 9W6 Fax 250.869.1452
Hello my friend,
1) How to actually use your own life insurance to enhance your life style now...
2) Great Calculator Website...
3) Creative Mothers Day Gifts...
4) Recent Investment Moves...
1) How to actually use your own life insurance to enhance your life style now...
- My goal is to illustrate a concept many are unaware of. Use your life insurance while you are living... Interesting thought isn't it?
Please understand there are variables in this example and I can provide all my background material upon request. Better yet, if you would like to see if you could qualify for this program, please give me a call. Please remember the numbers are not set in stone and are all relative, if you need more or less coverage your deposit amount will reflect that, pretty simple.
Male, Age 32, Non-Smoker - $300,000 of Life Insurance. Here are the basics:
- He deposits $600 per month into this savings vehicle ($7,200 per year) for 10 years... after which he will stop the deposit.
- Based on the projected dividend rates (100 year track record) he will have life insurance paid up for life. * no further deposits required after yr.10
- At age 60 he will have a guaranteed cash value of $130,000
- At age 60 based on the current dividend scale there would be a total Cash Value and Dividend Value of $266,000 (which can be used to collateralize a loan from the bank and provide him retirement income)
- At age 60 the death benefit would be approx. $552,000 (and growing if an income stream was not being taken)
- Consider this plan a guaranteed (tax sheltered) savings plan with the added benefit of Life Insurance
- Fixed income investments attract the highest tax according to CRA, this insurance savings plan gives you access to a solid fixed income vehicle with the advantage of tax sheltering.
Remember this policy holder only made 10 deposits of $7,200 = $72,000... Yet he has a growing cash value and an increasing death benefit. I have attached an article that outlines how you can utilize that cash in the policy to supplement retirement income in a tax effective manor. Please see PAGE 8.
This concept should be reviewed in person and a personal illustration should be run before ANY decisions are made. Come in today and see if we can enhance your guaranteed savings plan. In market times like now, guaranteed investment vehicles are looking rather attractive, why not bundle your fixed income investments (which attract the highest tax rate) and your life insurance together to produce tax effective growth.
2) Great Calculator Site... http://www.dinkytown.net/
- This is a fantastic site I have been using for a couple months now (scroll down for Canadian specific calcs). It has all sorts of interesting calculators along with your staple financial calculators. Some valuable ones are: Auto lease vs auto purchase, Rent vs. Buy Real Estate, Cool Million, Life Insurance Calc...
3) Creative Mothers Day Gifts...
http://www.gifts.com/occasions/mothers-day/her/o11hFr6aicp849n?featuredIdea=8330
4) Recent Investment Moves
- AT&T, General Mills, General Electric and Coca-Cola have been sold out of the Foreign Equity Pool. Schlumberger, Deere and Co. and BHP Billiton have been added. To give you a sense of our philosophy I have attached a summary report I received directly from the Director of Research himself on April 15th 2009. I have not diluted the info and it is all right there. It is only half a page but after reading it you will understand our thought process when a buy or sell decision is made.
I look forward to your continued trust and as always if you, your co-workers, friends or family have any questions I am never too busy for your/their call.
Dustin
www.serviss.ca
Dustin Serviss, RHU
Associate
The Peacock Sheridan Group
205-1180 Sunset Drive Phone 250.869.1451
Kelowna BC V1Y 9W6 Fax 250.869.1452
Lease vs Buying a Car
April 30th 2009
Hello my friend,
I only share this with the membership of the Chamber as the response back from my existing client base was so positive. Here are three informative topics.
1) Tomorrow you pass away with no Will... now what?
2) Do you lease vs. buying a car?
Ever wondered what happens if you pass away without a Will?
Click this link for all the answers:
http://www.cba.org/BC/public_media/wills/177.aspx
(copy/paste if it doesn't load when clicked)
Remember 'your' debt (or your parents debt) does not go away when you/they pass on? I recently encountered a client file where a final parent passed away with debt, pretty normal right? Well the parent’s principle residence has been sitting on the market for sometime (9 months) unable to sell… meanwhile the children have had to re-mortgage their own homes to satisfy paying off a maxed out line of credit held by the deceased parent.… Not exactly what the children expected to say the least while dealing with the loss of their parent all at the same time.
It is inevitable that one day this is going to need to be addressed, why not address it now so everything can be mapped out, or at least somewhat mapped out. It is fact that the three most NOT talking about topics within a family are: Money, Death, and Sex/Relationships. As much as I like to think I have relationships figured out I will leave that for you and your family to sort out but the first two I am very confident our group has the tools and resources to help you.
If you would like to see if your situation (or your parents situation) can be enhanced please give us a call, if nothing else, your family will know everything is, in fact, taken care of. With a combined 39 years of experience in estate planning, there is little, Brent, Grant or myself haven't seen before and if it is, our resource team will definitely be able to solve your problem.
Should I lease or buy a vehicle:
This site is a great resource that you could share with your clients as it is not biased one way or the other. They provide a simple to follow way of understanding both sides of the coin. - http://www.leaseguide.com/lease03.htm
I hope all of you are doing well and if you are on Facebook or Twitter, add me ('Serviss') and keep an eye on the Status Lines.
Take care
Dustin
www.serviss.ca
Dustin Serviss, RHU
Associate
The Peacock Sheridan Group
205-1180 Sunset Drive Phone 250.869.1451
Kelowna BC V1Y 9W6 Fax 250.869.1452
Hello my friend,
I only share this with the membership of the Chamber as the response back from my existing client base was so positive. Here are three informative topics.
1) Tomorrow you pass away with no Will... now what?
2) Do you lease vs. buying a car?
Ever wondered what happens if you pass away without a Will?
Click this link for all the answers:
http://www.cba.org/BC/public_media/wills/177.aspx
(copy/paste if it doesn't load when clicked)
Remember 'your' debt (or your parents debt) does not go away when you/they pass on? I recently encountered a client file where a final parent passed away with debt, pretty normal right? Well the parent’s principle residence has been sitting on the market for sometime (9 months) unable to sell… meanwhile the children have had to re-mortgage their own homes to satisfy paying off a maxed out line of credit held by the deceased parent.… Not exactly what the children expected to say the least while dealing with the loss of their parent all at the same time.
It is inevitable that one day this is going to need to be addressed, why not address it now so everything can be mapped out, or at least somewhat mapped out. It is fact that the three most NOT talking about topics within a family are: Money, Death, and Sex/Relationships. As much as I like to think I have relationships figured out I will leave that for you and your family to sort out but the first two I am very confident our group has the tools and resources to help you.
If you would like to see if your situation (or your parents situation) can be enhanced please give us a call, if nothing else, your family will know everything is, in fact, taken care of. With a combined 39 years of experience in estate planning, there is little, Brent, Grant or myself haven't seen before and if it is, our resource team will definitely be able to solve your problem.
Should I lease or buy a vehicle:
This site is a great resource that you could share with your clients as it is not biased one way or the other. They provide a simple to follow way of understanding both sides of the coin. - http://www.leaseguide.com/lease03.htm
I hope all of you are doing well and if you are on Facebook or Twitter, add me ('Serviss') and keep an eye on the Status Lines.
Take care
Dustin
www.serviss.ca
Dustin Serviss, RHU
Associate
The Peacock Sheridan Group
205-1180 Sunset Drive Phone 250.869.1451
Kelowna BC V1Y 9W6 Fax 250.869.1452
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