Neil Menzies
Mutual Fund Advisor
nmenzies@arbutusfinancial.com

Gardy Frost
Mutual Fund Advisor
gfrost@arbutusfinancial.com

Paul Tidey
Mutual Fund Advisor
ptidey@arbutusfinancial.com

Bart Aldrich
Insurance Advisor
baldrich@arbutusfinancial.com

Bruce McRae
Insurance Advisor
bmcrae@arbutusfinancial.com

A MESSAGE from the Team

This quarter's newsletter touches on a number of topics our clients have asked us to expand on. Read on to find out more about Philanthropy, Maximizing Government Benefits for your Children, and New Tax Savings on Pension and Retirement Income.

We thank you for the opportunity to work with you and your family. We understand and appreciate the level of trust you've placed in us to help protect you and your family's financial security and success.

Having your information and records at our fingertips helps us manage your financial affairs swiftly and accurately. Much time was spent over the summer months enhancing our technology platform to serve you better. One of our objectives is to remain on the leading edge of effective technological solutions. We have enhanced both our hardware and software solutions. For example, we implemented a document scanning process, which has proved to be very helpful.

Happy Holidays...again this year, we have chosen to support a local food bank in lieu of sending Christmas cards. We thought we'd add these funds to our regular contribution as they are in need.

We'd still like to convey our warmest greetings to you and your family. We wish you the very best over the holiday season, and in 2007. Click here for a greeting from all of us.

Arbutus TEAM Update

To hear about the latest events happening in the lives of Neil, Paul, Gardy, and Bart click on the name of the advisor you are interested in.

Click to learn even more about Neil, Paul, Gardy, and Bart.

FEATURED ARTICLES:

Education Savings
Written by Gardy Frost

The Universal Child Care Benefit (UCCB) is now in effect. Beginning July 20, 2006 eligible families may be receiving this benefit. So, What should we do with it? Are you receiving yours? Are you eligible?

To find our more please click here.

The Role of Philanthropy in your
Financial Plan
by Neil Menzies

For many, charitable giving is a key component of financial and estate planning.

In our financial and estate planning discussions with our clients, we are finding the topic of charitable giving is surfacing more and more often. It is an essential part of aligning your personal and financial goals. This area of financial planning is getting greater attention these days. In June 2006, Warren Buffett announced he would be donating $31 billion to the Gates Foundation. Although Mr. Buffett is not currently a client of ours, he does have something in common with many of our clients.

Click here to read on...

Splitting pension income is no cure-all: There is still a place for spousal RRSPs
by Jamie Golombek, November 4, 2006

With the financial community's attention and energy this week spent mourning the fate of income trusts, the
government's announcement it would allow pension income-splitting, beginning in 2007, took a back seat in the
headlines.

Under Canadian tax law, each individual files his or her own tax return and is taxed on the income they earn on an
individual basis. The United States, on the other hand, allows the filing of joint returns in which both spouses can
pool their income on the same return, with higher joint-tax brackets for the couple than for a single.

Click here to read on...

ABOUT US:

At Arbutus Financial, we help our clients achieve financial and life success. We work hard to cultivate strong relationships with our clients first and foremost. We focus on knowing our clients well, not just their finances. To provide high quality advice and service, we need to truly understand our clients. Then, and only then, can we help them achieve the financial security and success they aspire to.

At Arbutus Financial, we work with four distinct groups.

Click here to learn more about Our Team.

Please remember that while strategies outlined within this newsletter may be appropriate for some people, you should always consult us to ensure they are appropriate for you.

The statements and statistics contained herein are based on material believed to be reliable but we cannot guarantee they are accurate or complete. This newsletter is solely the work of Arbutus Financial for the private information of our clients. Although we are registered Mutual Fund Representatives with Dundee Private Investors Inc. (“Dundee Private Investors”), this is not an official publication of Dundee Private Investors. The views (including any recommendations) expressed in this newsletter are those of the author alone, and they have not been approved by, and are not necessarily those of, Dundee Private Investors.

Only securities related products and services referenced are offered through Dundee Private Investors Inc.

Insurance products provided through multiple insurance carriers.

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