Terry Fox

This is Jeff Wareham, ScotiaMcLeod Wealth Advisor with some thoughts for
investors outgrowing their mutual funds.

I am actually in Newfoundland today, and was lucky enough to witness the
launch of the Terry Fox tour of hope...a memorial tour featuring the van
Terry used in his marathon of hope. Seeing the progress that has been made
as a result of terry's heroism was both inspirational, and a reminder that
one of the most important financial planning issues is ensuring that your
charitable wishes are carried out in as efficient and tax effective a manner
as possible. Proper planning can reduce or eliminate the tax payable on
securities gifted to charity.

Do you need to review your estate plan?

For a review your portfolio, or a complimentary copy of my CD, visit
www.beyondfunds.ca or call me, Jeff Wareham, at 519 660 3260.

This program is for information purposes only. Fees, management fees, and
commissions may be associated with mutual fund investing Investors should
consult their prospectus before investing. Views expressed are those of the
author, not Scotia Capital. ScotiaMcLeod is a division of Scotia Capital
Inc, member CIPF.