To Thank You

With Respect and Gratitude, we honour your trust and recognize your part in our success.  It is our privilege to serve you throughout the years.

Our clients have shown us the depth of their giving spirits and introduced us to so many worthy causes. 

This page recongnizes the many and diverse organizations you have designated over the years. 

We are pleased to support your causes.



A Port in the Storm                                   Box 85, Winnipeg, Manitoba R2H 3B4                                   


Agape Table                                              Box 26111, Winnipeg, Manitoba R3G 3R3                            


Air Canada Dreams Take Flight                Box 7000 Airport Station, Dorval, Quebec H4Y 1J2              


Alzheimer Society of Manitoba                10-120 Donald St. Winnipeg, Manitoba R3C 4G2                 


Animal Shelter in Fort Frances Ontario   320 Portage Avenue, Fort Frances, ON P9A 3T9                  


ARF Animal Rescue Foundation                Box 34160, RPO Westbrook, Calgary, Alberta T3C 3W2     


Arthritis Society of Manitoba                   100A-1465 Buffalo Place, Winnipeg, Manitoba R3T 1L8      


Autism Society of Manitoba                     825 Sherbrook St, Winnipeg, Manitoba R3A 1M5                


Balmoral Community Hall                        6003E Provincial Road 236, Balmoral, Manitoba R0C 0H0   


BC Cancer Foundation                               150-686 W. Broadway, Vancouver, BC V5Z 1G1                


BC Cancer Foundation
Centre for Lymphoid Cancer                     150-686 W. Broadway, Vancouver, BC V5Z 1G1                  

BC SPCA                                                    1245 East 7th Avenue, Vanoucver BC V5T 1R1 

Bell Tower Community Café at               
Westminster United Church                    745 Westminster Ave, Winnipeg, Manitoba R3G 1A5          


Big Brothers & Sisters of Manitoba          532 Ellice Ave, Winnipeg, Manitoba R3B 1Z2    

Bruce Oake Memorial Fund                      Box 61084 Grant Park, Winnipeg, Manitoba R3M 3X8 

C.A.A.A.W.H                                               734 Srigley Street, New Market, Ontario L3Y 1X5                


Canadian Red Cross                                   1111 Portage Ave, Winnipeg, Manitoba R3G 0S8                


Canadian Bible Society                              952 St Mary's Rd, Winnipeg, Manitoba R2M 3R8                 


Canadian Cancer Society                          55 St. Clair Avenue West, Suite 500 Toronto, ON M4V 2Y7   


Canadian Cystic Fibrosis Foundation        2323 Yonge St, Suite 800, Toronto, Ontario M4P 2C9          


Canadian Diabetes Association                401-1 Wesley Ave, Winnipeg, Manitoba R3C 4C6                


Canadian Foodgrains Bank                       PO Box 767, Winnipeg, Manitoba R3C 2L4                           


Canadian Red Cross                                   100-1305 11th Avenue, Calgary, AB T3C 3P6                       


Cancer Care Manitoba Foundation Inc.   1160-675 McDermott Ave, Winnipeg, Manitoba R3E 0V9   


Charleswood United Church
Building Fund                                            4820 Roblin Blvd, Winnipeg, Manitoba R3R 0G6                


Charleswood United Church                    4820 Roblin Blvd, Winnipeg, Manitoba R3R 0G6                  


Charleswood United Church
Memorial Fund                                         4820 Roblin Blvd, Winnipeg, Manitoba R3R 0G6                


Chemainus Health Care Foundation         Box 462, Chemainus, British Columbia V0R1K0       


Child & Family Services of Central MB     25 3rd St SE, Portage la Prairie, Manitoba R1N 1N1             


Child & Family Services Western MB       800 McTavish Ave, Brandon, Manitoba R7A 7L4                  


Children's Hospital Foundation                CE501-840 Sherbrook St, Winnipeg, Manitoba R3A 1S1      


Children's Wish Foundation                      350 St Mary Ave, Winnipeg, Manitoba R3C 3J2                   


Chris Rose Centre for Autism                   1111 Tranquille Rd, Kamloops, BC V2B 3J8                           


Christmas Cheer Board                             Box 51089 RPO Tyndall Park, Wpg, Manitoba R2X 3C6   

 CNIB                                                          1080 Portage Ave, Winnipeg, Manitoba R3G 3M3               


Cupcakes Pommy Rescue                                                                                                                         


Dignity House                                            1977 Norris Road, Winnipeg, Manitoba R2G 4C1                   


Doctors Without Borders                         551 Adelaide St W, Toronto, Ontario M5V 0N8                   


Faith Lutheran Church                              1311 Dakota Street, Winnipeg, Manitoba R2N 1V8             


Fort Frances Knox United Church            340 Church St, Fort Frances, Ontario P9A 1E1                      


Fort Garry Women's Resource Centre     1150-A Waverley St, Winnipeg, Manitoba R3T 0P4              


Friends Housing Inc                                  100-890 Sturgeon Road, Winnipeg, Manitoba R2Y 0L2        


Gospel For Asia                                        245 King St E, Stoney Creek, Ontario L8G 1L9                      


Grant Memorial Church                            877 Wilkes Avenue, Winnipeg, Manitoba R3P 1B8              


Greater Vancouver Youth Unlimited        #115-12975 84th Ave, Surrey, BC V3W 1B3                         


Heroes Hockey                                          184-1857 West 4th Street, Vancouver, BC V6J 1M4  


Heart and Stroke Foundation                    1379 Kenaston Boulevard, Winnipeg, Manitoba R3P 2T5    


Habitat for Humanity                                477 Mount Pleasant Rd, Suite 403, Toronto ON M4S 2L9   


Holy Cross Food Depot                              252 Dubuc, Winnipeg, Manitoba R2H 1E3                            


Hope Centre Ministries                             83 Henderson Hwy, Winnipeg, Manitoba R2L 1L2              


Inner City Youth Alive                               418 Aberdeen Avenue, Winnipeg, Manitoba R2W 1V7       


InterVarsity Pioneer Camp MB                75 Albert Street, #304, Winnipeg, Manitoba R3B 1E7       


Jocelyn House                                           177 Egerton Rd, Winnipeg, Manitoba R2M 2W7                  


Keeping Abreast Fund
c/o Health Science Centre                        PW112-700 William Avenue, Winnipeg, MB R3E 0Z3          


Kelowna Gospel Mission                          PO Box 22087, Capri P.O. Kelowna, BC V1Y 9N9               


Knox United Church                                 400 Edmonton St, Winnipeg, Manitoba R3B 2M2                


Knox United Church - Renewal Fund        400 Edmonton St, Winnipeg, Manitoba R3B 2M2                


Lake of the Woods District Hospital         21 Sylvan St, Kenora, Ontario P9N 3W7                                


Lake of the Woods Museum                    300 Main St, Kenora, Ontario P9N 1T2                                 


Leukemia & Lymphoma Society               804-2 Lansing Square, Toronto, ON M2J 4P8                        


Lupus Foundation of Ontario                   25 Valleywood Drive, Unit 10 Markham, ON L3R 5L9          


Lutheran Church of the Good Shepherd  401 Kildare Ave W, Winnipeg, Manitoba R2C 2B4               


Manitoba Parkinson Society                     7-414 Westmount Dr. Winnipeg, Manitoba R2J 1P2            


Manitoba Underdogs                                2609 Portage Ave, Winnipeg, Manitoba R3J 0P6                


 Marymound                                               442 Scotia Street, Winnipeg, Manitoba R2V 1X4                 


MCFCF Mully Children's Family                PO Box 51132 RPO Eglinton Square, Toronto, ON M1L 4T0   


Mennonite Central Committee                134 Plaza Dr, Winnipeg, Manitoba R3T 5K9                         


Mennonite Economic Development        302-280 Smith St, Winnipeg, Manitoba R3C 1K2                


Minto Cemetery Perpetual Care Fund     Box 53 Minto, Manitoba R0K 1M0          


MS Society                                                 100-1465 Buffalo Pl, Winnipeg, Manitoba R3T 1L8              


Muscular Dystrophy Manitoba Division   204-825 Sherbrook St, Winnipeg, Manitoba R3A 1M5        


Native Women's Association of Canada  1 Nicholas St 9th Floor, Ottawa, Ontario K1N 7B7               


North Vancouver Youth Unlimited           115-12975 84th Ave, Surrey, BC V3W 1B3                           


Operation Smile Canada                           375 University Ave, Suite 204, Toronto, ON M5G 2J5              


Parkinson's Canada - Saskatchewan         2103 Airport Dr #110B, Saskatoon, SK S7L 6W2      


Power To Change                                      20385 64th Ave. Langley, BC V2Y 1N5                                   


Red Door Family Shelter                           21 Carlaw Ave, Toronto, Ontario M4M 2R6            


Regina Humane Society                            Highway #6 & Armour Rs, Box 3143, Regina, SK S4P 3G7


Right To Play                                             18 King St East, 14th Floor, Toronto, Ontario M5C 1C4       


Ronald McDonald House                          566 Bannatyne Ave, Winnipeg, Manitoba R3A 0G7             


Salvation Army                                         324 Logan Ave, Winnipeg, Manitoba R3                              


Salvation Army
Community Ventures Program                 1350 Church Ave, Winnipeg, Manitoba R2X 1G4                  


Saskatchewan Parkinson Society             610 Duchess St, Saskatoon, Saskatchewan S7K 0R1  


Senior's Fifth Ave Activity Centre             170 5th Ave SE, Salmon Arm, BC V1E 2B9                            


Shelter Box Canada                                   159 Jane St Office 2, Toronto, Ontario M6S 3Y8                  


Siloam Mission                                          300 Princess Street, Winnipeg, Manitoba R3B 1M3             


SPCA St. John's (NL)                                  R.C.A.F. Road 115 PO Box 29053, St John's NF A1A 5B5      


St Amant Centre                                        440 River Rd, Winnipeg, Manitoba R2M 3Z9                        


St Bartholomew Anglican Church
Elevator Fund                                            881 Autumnwood Dr, Winnipeg, Manitoba R2J 1C2            


St Bartholomew Anglican Church            881 Autumnwood Dr, Winnipeg, Manitoba R2J 1C2            


St Benedict’s Foundation                          225 Masters Ave, West St Paul, Manitoba R4A 2A1             


St Boniface Hospital Foundation             C1026-409 Tache Ave, Winnipeg, Manitoba R2H 2A6          


St. Bernadette Parish Building Fund         820 Cottonwood Road, Winnipeg, Manitoba R2J 1G1


St. Mary's Academy Foundation               550 Wellington Cresc, Winnipeg, Manitoba R3M 0C1         


Stars Ambulance                                       2-155 West Hangar Rd, Winnipeg, Manitoba R3J 3Z1          


Sunnybrook Foundation                           2075 Bayview Ave, KGW-01 Toronto, Ontario M4N 3M5   


Sunshine Fund Manitoba                         Unit F-1215 Henderson Hwy, Winnipeg, Manitoba R2G 1L8   


Teen Challenge Ontario                           9340 Sharon Road, London, Ontario N6P 1R6                      


The Bridge Church                                     620 Oxbow Bend Rd, Winnipeg, Manitoba R3K 2G1            


The Movement Centre Manitoba            1646 Henderson Hwy, Winnipeg, Manitoba R2G 1N7          


The Nova Scotia Society for the
Prevention of Cruelty to Animals             11 Akrley Blvd, Ste 200A, Dartmouth, NS B3B 1V7               


Tache Food Bank                                      Lorette, Manitoba                                                                           


Toronto Monthly Meeting of the
Religious Society of Friends                                                                                                                


The Ottawa Food Bank                              1317 Michael St B, Gloucester, Ontario K1B 3M9                


United Way of Calgary                              600-105 12 Ave SE, Calgary, Alberta T2G 1A1                      


Trinity United Church                                933 Summerside Ave, Winnipeg, Manitoba R3T 4Y1     


Union Gospel Mission                               PO Box 1073 STN Main, Winnipeg, MB R3C 2X4                  


United Way of Winnipeg                          580 Main St, Winnipeg, Manitoba R3B 1C7                          


Winnipeg Harvest                                      1085 Winnipeg Ave, Winnipeg, Manitoba R3E 0S2              


Health Science Centre Foundation
Thoracic Surgery Clinic and
Endoscopy Unit                                         PW112-700 William Ave, Winnipeg, Manitoba R3A 1R9   


Winnipeg Humane Society                       45 Hurst Way, Winnipeg, Manitoba R3J 0R3                   


Winnipeg Sports Car Club                                                                                                                        


Wounded Warriors Fund                          #1900-1500 West Georgia St, Vancouver, BC V6G 2Z6        


Youth for Christ                                        333 King St, Winnipeg, Manitoba R3B 0N1                           





Money Purchase (MP), Defined Benefit (DB), RRSP, Deferred Profit Sharing Plan (DPSP), and (Tax Free Savings Account) TFSA limits and the YMPE (Yearly Maximum Pensionable Earnings) since 2015

These tables outline the annual money purchase (MP), defined benefit (DB), registered retirement savings plan (RRSP), deferred profit sharing plan (DPSP) and the tax-free savings account (TFSA) limits, as well as the year's maximum pensionable earnings (YMPE).



MP Limit

RRSP $   limit


DPSP Limit
(1/2 MP limit)


TFSA Limit

Defined Benefit limits





1/9   the money
  purchase limit






















































































Source: adapted from Government of Canada News Releases December 8, 2015



Dynamic Funds Conference - Fund Manager Comments  


Myles Zyblock, Chief Investment Strategist – this is a time of historically low yields, and the uncharted territory of negative interest rates -- estimates that 34% of entire stock of secondary bonds are priced for a negative yield to maturity.  In some places, people are being paid to hold a mortgage!  The valuation for a typical global stock stands in the 90th percentile of it historic range – a challenging starting point to generate rewarding passive long-term returns.

Why would anyone want to own ultra-low-yielding bonds? Answer: Necessity and regulatory requirements for banks, insurance companies, benchmarked investors, ETFs; Speculation – to express views on currency, yield curve, economic surprises; Post Traumatic Stress Disorder – a cognitive imprint lingering from prior bear markets. His approach: set realistic return expectations – returns may be sub-par for passive balanced portfolios; given overvaluation embedded in many benchmark indices, don’t be the benchmark – consider flexible, active management which is selective and not fixed to allocations or geography.

Noah Blackstein – a global ‘growth’ manager; has had more positive and fewer negative return periods for rolling 12-month, 36-month, 60-month and 120-month returns than the MSCI or Average Global Equity fund; ignores headline news; from primary research universe of 5,000 companies, narrows down to a fundamental selection of 20-30 stocks; ‘Active Share’ is 94.0% and 97.3% on Power American Growth and Power Global Growth respectively

Oscar Belaiche – heads the equity income team; what’s happening in the income space? A lot of market volatility – fear and greed; US and Canada equity indices hitting resistance; minimal to negative return on bonds; even conservative balanced funds will have trouble generating returns because of low to negative bond yield; using the whole ‘tool box’ --  geographical diversity; put/call options; alternative strategies such as private debt/equity, closed-end funds and mortgages; hedging strategies; invests in income sectors such as real estate, energy, infrastructure; Strategic Yield has outperformed the index since inception

Cecilia Mo – a ‘value manager’, likes to have a margin of safety when buying.  But these are confusing markets, macro-driven instead of reflecting specific company value; central banks remain accommodative and there really is no alternative to equity, but we are 7 years into US economic expansion, there is a general lack of earnings growth, and valuations are not compelling.  Sees an aging demographic, global indebtedness and increasing income inequality slowing earnings.  US consumer behaviour has changed –focussed on ‘experiences’ rather than ‘stuff’; preference for saving over spending; much less ‘wealth effect’ from housing appreciation.  Current strategy is to hold some cash and buy good companies on dips, defensive and dividend-focussed, looking in the sweet spots of US consumers, healthcare and US domestic-oriented industrials.

Christine Horoyski, Aurion Capital – an institutional approach to fixed income investing. Dynamic Aurion Total Return Bond Fund is unconstrained as to geography and issuer.  Includes Emerging Markets, Foreign and Domestic, High Yield, Inflation-Linked Bonds.  Tactical and actively managed. Strong performance in both rising and falling yield environments.  Total Return Bond fund has been 1st quartile over last 5 years to April 30th. 

David Fingold – today’s media themes create a lot of market confusion – fees, tracking error, ETFs, robo-advisors, asset allocation.  Where is the market going? What does it matter?  Macro factors are having a declining impact on equity returns.  This is positive for active managers who can selectively pick undervalued, quality companies to hold.  Bullish.  Secular bull market cycles last 20-42 years; we are 7 years into the current one.  Quotes Peter Lynch: “Far more money has been lost by investors trying to anticipate corrections, than has been lost in corrections themselves.” 

Looks for opportunities such as big rallies in downtrends. Does not favour the energy sector.  Invests in quality management, industry leaders, sustainable competitive advantage, high returns on invested capital, adequate capital, optionality. Global Asset Allocation Fund focuses on capital preservation. 1st quartile over 1, 2, 3 and 5-yr periods.  Tactical. Active share as of March 31st/16 is 95.4%   Global Dividend Fund is a conservative approach to global equity markets. Invests almost exclusively in dividend-paying companies or those expected to initiate a dividend. 1st quartile of 1, 3, 10-yr periods with less volatility than benchmark.  Active share as of March 31/16 is 94.9%.  Sector allocation is significantly different than the index. Global Discovery Fund is flexible, go-anywhere, all-cap mandate. Active share as of March 31/16 is 98.2%. 


Annual TFSA Limit Reverts to $5,500

Under proposed legislation, starting January 1, 2016, the annual TFSA dollar limit for 2016 will revert from $10,000 to $5,500 and will be subject to indexation provisions which previously applied – i.e. increase by inflation factor but only in $500 increments. The previous $10,000 limit was not going to be adjusted for inflation. With the 2016 limits as announced, the nominal lifetime contribution limit will have increased to $46,500.

TFSA contribution room for withdrawals is restored in the following calendar year. If you are trying to maximize your contributions – but have made withdrawals along the way -- check your limit as shown on your CRA My Account access. However, be aware that if taking withdrawals into consideration, your financial institutions may not have uploaded their transaction information for quite some time after the beginning of a new calendar year. Check back frequently.

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111 Pulford Street
Winnipeg, MB R3L 1X8


phone: 1-204-949-4749
toll-free: 1-888-949-7743