Transcript: Living Wills | Feb 01, 2001

The opening sequence shows a wooden table with a small lit candle.
Fast clips show different sets of hands performing activities on the table such as pulling petals from a daisy, drawing a big red heart, tuning a violin, flipping through the pages of a book, cooking, and pouring a glass of red wine.
In animation, the title appears inside the shape of a house: “More to life.”

Maureen Taylor sits in a studio with yellow walls and a carved board that reads “More to life” in the background.

Maureen is in her late thirties, with wavy red hair in a bob. She wears a red blouse under a blue blazer.

Maureen says HI, I'M MAUREEN
TAYLOR AND WELCOME IT “MORE
TO LIFE.”
WE ALL HOPE IT'LL BE FAST
AND PAINLESS.
WE TELL OURSELVES WE'LL DIE
IN OUR BEDS.
NO MUSS, NO FUSS.
WELL, REALITY BITES, FOLKS.
CHANCES ARE THE GRIM REAPER
WILL HANG AROUND FOR A WHILE,
ANNOYING YOU AND YOUR FAMILY
BEFORE FINALLY ESCORTING
YOU OUT.
ESTATE LAWYER ED OLKOVICH
THINKS YOU SHOULD BE
PREPARED AND HE'S HERE TO
TAKE YOUR CALLS.
DO YOU WANT TO KNOW HOW TO
WRITE A LIVING WITH WILL, IF
THERE IS SUCH A THING?
IS YOUR FAMILY SQUABBLING
OVER SOMEBODY'S ESTATE?
GIVE US A CALL WITH YOUR
QUESTIONS.
IN TORONTO, THE NUMBER IS 416 484-2727.
LONG DISTANCE, OUR TOLL FREE
NUMBER 1-888-411-1234
AND YOU CAN E-MAIL YOUR QUESTION TO
MORETOLIFE@TVO.ORG
AND FIVE CALLERS
WHOSE QUESTIONS GET TO AIR
WILL GET A FREE COPY OF ED'S
BOOK, IT'S CALLED “THE
COMPLETE IDIOT'S GUIDE TO
ESTATE PLANNING IN SIX
SIMPLE STEPS FOR CANADIAN.”

A picture of the book appears on screen.

Maureen says AND ED JOINS ME.
HI ED.

A caption reads “Ed Olkovich. Lawyer.”

Ed is in his early forties, with short straight brown hair and a white beard. He wears a dark gray suit, a blue shirt and a yellow patterned tie.

Ed says HI, THANKS FOR HAVING ME.

Ed says LESLIE BECK: I SAID A
LIVING WILL, IF SUCH A THING
EXISTS.
WE'VE HEARD OF THEM BUT I
DON'T THINK WE HAVE THOSE IN
ONTARIO, RIGHT?

Ed says THE LAW DOESN'T RECOGNIZE
LIVING WILLS PER SE IN
ONTARIO.
THE PROPER TERM WE WOULD
WANT PEOPLE TO UNDERSTAND IS
A POWER OF ATTORNEY FOR
PERSONAL CARE.

Maureen says THE IDEA THERE
BEING THAT IF YOU'RE NOT
DEAD BUT YOU'RE INCAPACITATED AND DECISIONS HAVE TO
BE MADE FOR YOU, YOU WANT TO
APPOINT SOMEBODY TO MAKE
THOSE DECISIONS.

Ed says CORRECT.
YOU WANT TO KNOW -- YOU HAVE
THE CHOICE OF CHOOSING WHO
WILL MAKE THOSE DECISIONS
WHEN YOU NO LONGER CAN
COMMUNICATE PERSONAL CARE
DECISIONS THAT ARE NECESSARY
TO BE MADE FOR YOU.

Maureen says OKAY.
WHAT ARE -- CAN YOU TAKE US
THROUGH SOME OF THOSE
DECISIONS?

Ed says WELL, SOMETIMES THERE ARE
QUESTIONS ABOUT SHELTER,
WHERE YOU'RE GOING TO LIVE.
WHETHER IT'S CAPABLE FOR YOU
TO RETURN TO LIVE BACK IN
YOUR OWN HOME OR WHETHER YOU
NEED TO GO INTO AN ASSISTED
FORM OF LIVING SITUATION.
SOMETIMES IT'S DECISIONS
ABOUT PERSONAL HYGIENE OR
HOW YOU'RE GOING TO BE FED,
AND ULTIMATELY DECISIONS
ABOUT TREATMENT AND MEDICAL
TREATMENT AS WELL.
THOSE ARE THINGS THAT CAN BE
COVERED BY PERSONAL CARE,
POWER OF ATTORNEY.

Maureen says AND YOU HAVE TO
FIRST I GUESS COMMUNICATE
ALL OF THESE, YOUR WISHES TO
THE PERSON YOU'RE APPOINTING,
RIGHT?

Ed says RIGHT.
THE LAW SAYS IN ONTARIO THAT
YOU CAN COMMUNICATE THOSE
WISHES IN A WRITTEN DOCUMENT
ORALLY, OR IF YOU DON'T
EXPRESS THOSE WISHES IN
ADVANCE, YOUR DECISION MAKER,
IF YOU HAVE A POWER OF
ATTORNEY, IF SUPPOSED TO
RESPECT YOUR VALUE SYSTEM
AND THE DECISIONS THAT YOU
WOULD WANT IT TO HAVE MADE
ON YOUR BEHALF.

Maureen says WHAT DO YOU
ADVISE MOST CLIENTS?
TO WRITE IT DOWN OR --

Ed says I THINK THERE'S A LOT OF
UNEASE ABOUT THIS SITUATION
AND MISCONCEPTIONS.
PEOPLE SOMETIMES CALL ME AND
SAY “I HAVE TO HAVE A LIVING
WILL PREPARED.
MY WIFE IS GOING INTO THE
HOSPITAL FOR SURGERY.”
AND I ASK THEM DO THEY HAVE
WILLS?
AND THEY SAY NO, BUT THEY'VE
DRAFTED UP SOME LIVING WILL
DOCUMENT AND THEY THINK
THAT'S GOOD ENOUGH AND COULD
I QUICKLY CHECK IT TO MAKE
SURE IT COVERS ALL THE
SITUATIONS.
AND THAT'S A COMMON
MISCONCEPTION.
LIVING WILLS REALLY DON'T
DEAL WITH PROPERTY.

Maureen says NO.

Ed says THEY REALLY -- WITHOUT
HAVING AN ATTORNEY FOR
PERSONAL CARE, YOU'RE REALLY
NOT AUTHORIZING ANYONE TO
MAKE DECISIONS ON YOUR
BEHALF.
SO BECAUSE OF THAT
MISCONCEPTION, IT'S
IMPORTANT THAT THE AUDIENCE
REALIZE THAT LIVING WILLS
ARE NOT THE WAY TO GO.
YOU SHOULDN'T BE SITTING
DOWN, TRYING TO FIGURE OUT
ALL THE CONTINGENCIES ABOUT
TREATMENT IN THE FUTURE,
BECAUSE THE CIRCUMSTANCES,
YOU'RE UNABLE TO PREDICT
WHAT THEY'LL BE.
YOU WON'T KNOW THE CONTEXT,
AND A LOT OF TIMES PEOPLE
TRY TO SAY “WELL, I DON'T
WANT ANYBODY TO USE HEROIC
MEASURES TO KEEP ME ALIVE.”
WELL TEN, 20 YEARS FROM NOW
WHAT WILL BE HEROIC?
THINGS THAT WE CONSIDER WILL
BE LEADING TO SOME TERMINAL
END RIGHT NOW, MEDICAL
SCIENCE WITH THE
BREAKTHROUGHS, THEY MAY BE
ABLE TO SOLVE ALL THESE
PROBLEMS IN THE FUTURE.

Maureen says SO I THINK
YOU'RE SAYING MORE
IMPORTANTLY IS TO POINT
SOMEBODY THAT YOU TRUST TO
BE ABLE TO MAKE THESE
DECISIONS.

Ed says CORRECT.
THE EMPHASIS SHOULD BE ON
WHO WILL COMMUNICATE YOUR
WISHES NOT WHAT YOUR WISHES
WILL BE, BECAUSE YOU CAN'T
PREDICT THE FUTURE.
BUT HAVE SOMEONE WHO WILL
EXPRESS YOUR WISHES
AVAILABLE.
BECAUSE WHEN THE TIME COMES,
AND YOU CAN'T COMMUNICATE,
AND THAT'S REALLY WHAT THE
CIRCUMSTANCE IS, YOU WILL
MAKE ALL YOUR OWN DECISIONS
AS LONG AS POSSIBLE.
EVERYBODY WANTS THAT RIGHT.
HOWEVER, YOU MAY WANT TO
SPARE YOUR FAMILY ANY GRIEF,
HAVING TO HAVE A DEBATE.
HAVING TO WORRY THAT THEY'RE
MAKING THE RIGHT DECISION.
MAKING THE DECISION YOU
WOULD HAVE WANTED THEM TO
MAKE IF YOU EXPRESS YOUR
WISHES IN ADVANCE.
BUT WHEN THE TIME COMES, WHO
IS GOING TO DO THAT FOR YOU?
WHO IS CAPABLE OF EXPRESSING
THAT?
AND THAT'S WHEN YOU
DESIGNATE AN ATTORNEY.
NOW SOME PEOPLE THINK YOU
ACTUALLY HAVE TO HIRE AN
ATTORNEY.

Maureen says OH, POWER OF
ATTORNEY.
THEY THINK IT'S GOT TO BE A
LAWYER.

Ed says THAT'S CORRECT AND IT'S
NOT THE CASE.
YOU CAN DESIGNATE ANYBODY TO
BE YOUR AGENT AS LONG AS THEY
MEET THE QUALIFICATIONS FOR
BEING AN ATTORNEY AND
THEY'RE OVER THE AGE OF 16.

Maureen says I GUESS MOST
PEOPLE WOULD TURN TO A
SPOUSE FIRST OF ALL, AND
THEN AFTER THAT CHILDREN?

Ed says USUALLY THAT IS THE CASE,
AS LONG AS YOU'RE HAVING A
RELATIONSHIP WITH YOUR
CHILDREN.
IF YOU HAVEN'T SEEN THEM FOR
10 OR 20 YEARS, YOUR NEXT
DOOR NEIGHBOUR MAY HAVE A
BETTER IDEA OF WHAT IT IS
THAT YOU WANT TO BE DONE IN
THE CASES OF EMERGENCY.

Maureen says CAN YOU DECIDE
TO MAKE ALL OF YOUR CHILDREN
YOUR ATTORNEY?

Ed says ROUTINELY, WHEN PEOPLE
COME INTO MY OFFICE AND ASK
ME WHAT'S THE BEST WAY OF
GOING, I WOULD SAY NAME ALL
OF THE CHILDREN UNLESS
THERE'S A GOOD REASON NOT
TO.
YOU DON'T KNOW WHO WILL BE
LIVING IN ANOTHER PROVINCE
AT THE TIME WHEN DECISIONS
HAVE TO BE MADE.
IF YOU HAVE THREE CHILDREN,
ONE COULD BE LIVING IN
CALIFORNIA, OR VANCOUVER.
YOU WANT SOMEONE ON THE
SCENE TO BE ABLE TO MAKE
THAT DECISION.
AND YOU NEVER KNOW WHO THAT
COULD BE, SO YOU COULD NAME
ALL THREE AND THE PERSON ON
SITE COULD BE THE PERSON,
THE LOGICAL CHOICE TO DO
THAT.
IN CONSULTATION OR
OTHERWISE.

Maureen says HAVE YOU EVER
HEARD OF ANY FIGHTS WHEN IT
COMES DOWN TO THE CRUNCH,
THOUGH?
THE KIDS CAN'T AGREE ON
WHETHER TO PULL THE PLUG OR
WHATEVER?

Ed says WHENEVER PEOPLE CAN ARGUE
OR DISAGREE OR EXPRESS
DIFFERENT OPINION, THEY
WILL.
SO IT'S SOMETIMES THE
CHILDREN WHO ARE CLOSEST TO
MOM OR DAD, OR THE PEOPLE
WHO HAVE VISITED GRANDPA
MOST OFTEN, THEY WILL BE THE
ONES WHO SAY “WELL, THIS IS
HOW HE'S EXPRESSED HIS
WISHES AND I'D LIKE YOU TO
FOLLOW THEM.”
SO THAT'S IMPORTANT.
IF YOU'VE EXPRESSED YOUR
WISHES, AND YOUR ATTORNEYS
KNOW WHAT YOU WANT, YOU'RE
GOING TO BE PROTECTED.
AND SO HAVING AN AGENT IS
ONE THING.
EXPRESSING YOUR WISHES IS
IMPORTANT AS WELL.
AND THEN MAKING SURE THAT
THEY CAN FIND THE POWER OF
ATTORNEY WHEN THE TIME COMES
IS ALSO IMPORTANT.

Maureen says AH.
YEAH.
THAT'S WHERE THIS IDEA COMES
UP.
SOMEONE HANDED ME THIS THE
FUNERAL CONSUMER'S ALLIANCE
IS SUGGESTING PEOPLE STORE
THEIR WILLS AND POWERS OF
ATTORNEY IN THE FREEZER IN A
PLASTIC BAG, BECAUSE THEY
THINK IT'LL SURVIVE FIRES
AND WHATNOT AND EVERYBODY
WILL REMEMBER, IT'S SUCH A
WEIRD PLACE TO PUT IT, NO
ONE WILL FORGET WHERE IT IS.
NEVER HEARD OF THAT ONE ED?

Ed says IT'S GOOD.
I THINK I'VE HEARD OF
PUTTING CASH VALUABLES AND
JEWELLERY IN THE FREEZER AS
WELL.
BUT IN THE CASE OF A FIRE, I
THINK EVERYTHING JUST GOES.
SO I'M IN THE SURE IT'S THE
MOST COMFORTABLE PLACE TO
LEAVE THINGS.
SAFE DEPOSIT BOXES, LAWYERS'
OFFICES OR GIVING A COPY TO
YOUR ATTORNEY IS AN
ALTERNATIVE PEOPLE SHOULD
CONSIDER.
BUT REMEMBER IF IT'S NOT
FOUND, IT'S NOT ACCESSIBLE,
IT'S LIKE NOT HAVING ONE.

Maureen says GOOD POINT.
WE'RE TALKING ABOUT ESTATE
LAW THIS AFTERNOON WITH ED
OLKOVICH, A LAWYER AS WELL
AS THE AUTHOR OF “THE
COMPLETE IDIOT'S GUIDE,
ESTATE PLANNING IN SIX
SIMPLE STEPS FOR CANADIANS.”
WE HAVE FIVE COPIES OF THE
BOOK TO GIVE AWAY BUT YOU
HAVE TO GIVE US A CALL AND
ASK A QUESTION.
IN TORONTO, 416 484-2727.
LONG DISTANCE, OUR TOLL FREE
NUMBER 1-888-411-1234
AND YOU CAN E-MAIL YOUR QUESTION TO
MORETOLIFE@TVO.ORG
JERRY IS IN WALKERTON.
HI JERRY.

Jerry says GOOD AFTERNOON.

Maureen says HI.

Jerry says CAN YOU TELL ME
IF HANDWRITTEN WILLS ARE
VALID OR DO THEY HAVE TO GO
THROUGH A LAWYER'S OFFICE?

Ed says HANDWRITTEN WILLS ARE
VALID IN ONTARIO.
THEY'RE REFERRED TO AS HOLOGRAPH
WILLS.
THERE ARE SOME CONDITIONS
THAT HAVE TO APPLY, THOUGH,
FOR THEM TO BE LEGALLY
VALID.
YOU HAVE TO HAVE THEM 100 PERCENT
IN YOUR OWN HANDWRITING.
YOU NEED TO HAVE IT DATE,
AND THEN IT MUST BE SIGNED
AT THE BOTTOM.
EVEN WHEN YOU'VE COMPLIED
WITH THOSE SIMPLE
FORMALITIES, THE WILL STILL
HAS TO COMPLY WITH THE
FORMALITIES OF IT'S EASILY
UNDERSTOOD AND IT'S
COMPREHENDABLE.
SO YOU HAVE TO MAKE SURE
THAT WHEN YOU EXPRESS YOUR
WISHES IN A HOLOGRAPHIC WILL,
YOU'RE STILL ON SIDE WITH
THE LAW AND YOU HAVEN'T DONE
SOMETHING IMPROPER.

Maureen says WHAT ABOUT THE
WITNESSES?

Ed says NO REASONS -- WITNESSES
ARE REQUIRED -- A GOOD
POINT -- ON A HOLOGRAPHIC
WILL.
THEY'RE NOT RECOGNIZED IN
ALL PROVINCES IN CANADA SO
IF YOU HAVE ASSETS IN
ANOTHER PROVES YOU MAY
CONSIDER ANOTHER FORMAL
WILL.

Maureen says WHAT IF YOU SAT
DOWN AT THE COMPUTER AND
TYPED ONE UP AND SIGNED IT
DOWN AT THE BOTTOM.

Ed says THAT WOULDN'T COMPLY WITH
A 100 PERCENT HANDWRITTEN
REQUIREMENT.
I HAD A SITUATION WHERE A
HUSBAND AND WIFE IN A
NURSING HOME, THE WIFE WROTE
IT OUT, THE WILL ENTIRE HE
IN HER OWN HANDWRITING AND
THE HUSBAND SIGNED IT ON THE
BOTTOM.
SHE DIED WITH A HOLOGRAPHIC
WILL BUT SINCE THE HUSBAND
HADN'T WRITTEN THE DOCUMENT
HE DIED WITHOUT A WILL.
SO IT'S TRICKY.
DOING IT ON A COMPUTER EVEN
IF YOU PRINT IT OUT, THAT'S
NOT HANDWRITTEN, YOU'D NEED
TO HAVE TWO WITNESSES.

Maureen says OKAY SO, YOU
JUST NEED THE WITNESSES IN
THAT CASE.
ALL RIGHT, THAT'S A GOOD
QUESTION.
ONCE YOU HAVE YOUR WILL,
LET'S SAY HOLOGRAPHIC OR
OTHERWISE, THAT'S ANOTHER
THING YOU SHOULD TAKE CARE
WHERE YOU PLACE IT.
IS IT STILL LEGAL IF IT'S
NOT REGISTERED IN A LAWYER'S
OFFICE OR SOMETHING?

Ed says WELL, THERE'S NO
REQUIREMENT TO REGISTER
WILLS.
THEY DON'T COME WITH SERIAL
NUMBERS.
THEY'RE NOT CUT IN STONE,
EITHER SO, IT'S ALWAYS EASY
TO CHANGE THEM.
BUT SOME LAWYERS PROVIDE A
SERVICE OF KEEPING WILLS,
TRUST COMPANIES, IF THEY'RE
INVOLVED AS TRUSTEES, THEY
WOULD KEEP THEM ON FILE AS
WELL, BUT BASICALLY, IF YOU
CAN'T FIND IT YOU DIE
WITHOUT A WILL.

Maureen says AND THAT MEANS
WHAT?
WHAT ARE THE RAMIFICATIONS?

Ed says THERE'S RULES TO DEAL
WITH YOUR PROPERTY IN
ONTARIO IN CASE YOU DIED
WITHOUT A WILL.
AND THOSE INTESTATE WILLS
BASICALLY DISTRIBUTE YOUR
PROPERTY IN WAYS THAT WOULD
BE SURPRISING TO A LOT OF
PEOPLE AND NOT THE WAY THEY
WOULD PROBABLY WANT TO
HANDLE THEIR ESTATES.

Maureen says COULD YOU GIVE
ME AN EXAMPLE OF SOMETHING
THAT WOULD SURPRISE US?

Ed says WELL A LOT OF PEOPLE SAY
MY COMMON LAW SPOUSE WILL
AUTOMATICALLY INHERIT
EVERYTHING SO THE PROBLEM?
I DON'T NEED TO MAKE A WILL.
COMMON LAW SPOUSES LIKE SAME
SEX PARTNER, THEY'RE
ENTITLED TO SUPPLY FOR
SUPPORT FROM YOUR ESTATE BUT
THEY DON'T INHERIT, RIGHT
NOW, AS THE LAW STANDS IN
YOUR ESTATE IF YOU DON'T
HAVE A WILL.
SO COMMON LAW SPOUSE, IF THEY
ARE TO RECEIVE REAL ESTATE
OR PROPERTY, UNLESS THEY'RE
ON TITLE, IN A JOINT ACCOUNT
OR JOINTLY OWNED WITH THE
REAL ESTATE, THEY HAVE TO
HAVE A WILL TO PROTECT THEM,
OTHERWISE THEY MAY END UP
SUING YOUR ESTATE TO GET
WHAT THEY MAY FEEL IS
RIGHTFULLY THEIR OWN.

Maureen says AND YOU INTENDED
THEM TO HAVE IN THE FIRST
PLACE.

Ed says EXACTLY.
IT'S GREAT FOR BUSINESS FOR
LAWYERS AND THE COURTS GET
CROWDED BUT IT'S SOMETHING
THAT COULD BE AVOIDED VERY
SIMPLY WITH A WILL.

Maureen says OKAY.
MARJORIE IN SMITHS FALLS.
HI MARJORIE.

Marjorie says GOOD AFTERNOON,
MAUREEN AND ED.
I HAVE A QUESTION.
IT'S CONCERNING OUR
R.R.S.P.s.
NOW IF YOUR ESTATE MAINLY
CONSISTS OF R.R.S.P.s, HOW
CAN YOU PROTECT IT FROM
BEING EATEN AWAY BY TAXES IN
THE CASE OF LEAVING IT TO
YOUR CHILDREN?
AND MY SPOUSE IS DEAD.

Ed says ALL RIGHT, IT'S SOMETHING
TO CONSIDER.
IF YOU DON'T HAVE A SPOUSE,
THEN THERE'S NO TAX
ROLL-OVER OF THE R.R.S.P.,
IT'S VERY DOIF AVOID THE
TAXATION HIT THAT YOU'RE
GOING TO RECEIVE ON ON THE
R.R.S.P.s IF YOU LEAVE THEM
TO THE CHILDREN.
WHAT YOU WANT TO DO IS TO
CONSIDER HOW YOU CAN TAKE
CARE OF THAT TAX LIABILITY,
AND IT MAY VERY WELL BE THAT
YOU WANT TO CONSIDER LIFE
INSURANCE OR EVEN DONATING
SOME OF THE R.R.S.P.S TO A
CHARITABLE ORGANIZATION,
BECAUSE THERE ARE SOME TAX
CREDITS THAT YOU CAN GET FOR
DONATING R.R.S.P.S TO A
CHARITY, WHICH WOULD
EFFECTIVELY ELIMINATE SOME
OF THE TAX LIABILITY.
BUT UNFORTUNATELY, IF YOU
DON'T HAVE A SPOUSE, OR YOU
CAN'T APPLY FOR A ROLL-OVER
FOR THOSE R.R.S.P.s, THE
GOVERNMENT WILL GET SOME
SHARE OF THAT.

Maureen says IS THERE ANY
BENEFIT FOR A PERSON WHO'S
AT AN AGE WHERE THEY CAN
START TO TAKE MONEY OUT OF
THEIR R.R.S.P. AND DOING
SOMETHING ELSE WITH IT?
I MEAN, THEY'RE GOING TO PAY
TAX BUT MAYBE AT A LOWER
RATE.

Ed says PROBABLY, ONCE IT'S
WITHDRAWN OUT OF THE
R.R.S.P., IT'S GOING TO BE
TAXED AT THE RECIPIENT'S
HANDS SO, YOU CAN'T REALLY
GIVE THAT MONEY TO YOUR
CHILDREN, HOPING THAT
THEY'RE IN A LOWER TAX
BRACKET, BECAUSE IF YOU'RE
THE OWNER OF THE PLAN, YOU
HAVE TO REPORT THE INCOME AS
IT COMES OUT.

Maureen says OKAY.
ALL RIGHT, THANKS MARJORIE.
THIS IS FROM I DON'T KNOW
WHO.
MY SPOUSE AND MY PARENTS
DON'T SEE EYE TO EYE.
MY PARENT HAS ASKED ME TO
ALLOW FOR VISITATION AS A
GRANDPARENT TO BE INCLUDED
IN MY PART OF THE WILL IF I
AM INCAPACITATED OR DEAD AND
MY SPOUSE IS STILL ALIVE IS
THAT LEGAL?
ANY SUGGESTIONS?

Ed says WOW.
GRANTING GRANDPARENTS ACCESS
RIGHTS BY WILL.
NOVEL.

Maureen says YEAH?

Ed says I DON'T THINK THAT IT'S A
BAD IDEA.
IF YOU THINK THAT THERE ARE
GOING TO BE ISSUES, THE
QUESTION IS WHO IS GOING TO
BE THE GUARDIAN OF THE
CHILDREN.
NORMALLY ACCESS WOULD BE
DETERMINED BY THE GUARDIAN.
SO IF YOUR GUARDIAN IS
DESIGNATED UNDER THE TERMS
OF THE WILL, THEY WOULD
NORMALLY DECIDE IN THE BEST
INTERESTS OF YOUR CHILDREN
WHO SHOULD HAVE ACCESS AND
WHO SHOULD NOT HAVE ACCESS.

Maureen says IT'S GOING TO BE THE
SPOUSE WHO'LL BE THE
GUARDIAN AUTOMATICALLY
THOUGH.

Ed says I WASN'T SURE IF IT WAS A
MARRIED SPOUSE, AND WHOSE
CHILDREN THEY ARE.

Maureen says LET'S JUST
ASSUME THAT THESE TWO PEOPLE
ARE MARRIED WITH CHILDREN --

Ed says AND IT'S THEIR CHILDREN?
WELL THEN THE SURVIVING
CUSTODIAL PARENT THAT HAS
CUSTODY WILL REALLY DECIDE
WHAT'S BEST FOR THE
CHILDREN.

Maureen says AND THERE'S
NOTHING YOU CAN DO WHILE
YOU'RE ALIVE --

Ed says I THINK THAT'S CORRECT.

Maureen says TO ENSURE THAT
THE GRANDPARENT GETS TO SEE
THEM.

Ed says I THINK THAT’S GREAT.
THE GRANDPARENTS, IF THEY
TRY TO EVEN ENFORCE ACCESS
RIGHTS THROUGH COURTS,
THERE'S ALL KINDS OF CASES
THAT ARE BEING DECIDED GOING
BOTH WAYS ABOUT WHETHER OR
NOT GRANDPARENTS SHOULD HAVE
RIGHTS OR SHOULD NOT HAVE
RIGHTS.
IDEALLY SPEAKING, IF THE
CUSTODIAL PARENT HAS THE
RIGHTS TO MAKE THOSE
DECISIONS AND THEY DON'T GET
ALONG, I THINK THAT'S THE
END OF IT.
I MEAN, HOW MANY PEOPLE ARE
GOING TO REALLY WANT TO GO
TO COURT TO ENFORCE THOSE
RIGHTS.

Maureen says SOUNDS LIKE THIS
IS SOMETHING THEY SHOULD
WORK ON WHILE EVERYBODY'S
STILL HERE.

Ed says IT'S A GREAT IDEA TO GET
THEM ALL TOGETHER.

Maureen says DANIEL IS IN
THUNDER BAY.
HI DANIEL.

Daniel says GOOD AFTERNOON,
GREAT SHOW.
I HAVE A QUESTION AND IT'S
TWO-FOLD.
I'M HELPING OUT SOME ELDERLY
PEOPLE WHOSE SON IS IN A
POSITION WHERE HE MAY BECOME
LIKE A WARD OF THE STATE IN
THE HOSPITAL, BECAUSE HE'S
ON A DISABILITY, OR ELSE HE
MIGHT BE ENDING UP IN A HOME
WHERE THERE'S FULL-TIME HOME
SPECIAL CARE, AND HE'S
RECEIVING A DISABILITY.
THEY'RE JUST WONDERING --
THEY'RE BOTH ELDERLY AND 85,
UP IN THEIR 90s, HOW CAN
THEIR ASSETS WHAT THEY HAVE,
THEIR HOME, THEIR VALUABLES,
BE GIVEN TO THE SON?
CAN IT?
CAN THEY PROTECT IT FOR HIM?
OR DOES IT BECOME PART OF
THE PUBLIC TRUSTEE'S FUND?
THEY WANT IT TO GO TO HIM.

Maureen says YEAH.

Daniel says I DON'T KNOW TO DO.
I SUGGESTED THIS THEY BETTER
LOOK INTO IT.

Ed says THAT'S A GREAT
SUGGESTION.
THEY PROBABLY NEED TO SPEAK
TO A LAWYER WHO CAN HELP
THEM CRY RATE A
DISCRETIONARY TRUST FOR
THEIR SON.
IT DEPENDS ON THE SIZE OF
THEIR ESTATE AND HOW MUCH
WEALTH THAT THEY HAVE TO
DEAL WITH.
IN MODEST ESTATES IT'S NOT
GOING TO BE A REAL PROBLEM.
THE LARGER THE ESTATE, IT'S
GOING TO BE MUCH MORE
COMPLICATED TO DEAL WITH THE
TRUST.
IF THE CHILD RECEIVES AN
OUTRIGHT GIFT OF INTEREST IN
THEIR ESTATE, THEY COULD
LOSE THEIR GOVERNMENT
BENEFITS AND THAT MAY NOT BE
WHAT THEY WANT TO ACCOMPLISH
BY LEAVING THEIR SON AS A
BENEFICIARY OF THEIR ESTATE.

Maureen says OH, YEAH.
IF HE'S RECEIVING A
DISABILITY PENSION, THEY
COULD CLAW ALL OF THAT BACK
WHEN HE GETS THIS OTHER
MONEY AS AN INHERITANCE.

Ed says HE WOULD DEFINITELY NOT
QUALIFY FOR BENEFITS IF HE
HAS A FINANCIAL SITUATION
WHERE HE CAN SUPPORT HIMSELF

Maureen says IS THERE A WAY YOU CAN
SET UP TRUST THAT HE'S PAID
A LITTLE BIT ON A MONTHLY
BASIS --

Ed says YES, YOU HAVE TO SET UP A
DISCRETIONARY TRUST AND IT
HAS TO COME WITHIN THE
GUIDELINES THE GOVERNMENT
CURRENTLY SETS FOR THOSE
KINDS OF DISCRETIONARY
TRUSTS.
AND THE RULES ARE FLEXIBLE
AND CHANGING, BUT YOU NEED
SOMEONE WHO CAN PREPARE THAT
TRUST AND BE ON SIDE WITH
WHAT THE REQUIREMENTS ARE.

Maureen says SO IT'S
DISCRETIONARY TRUST THAT
THEY WANT TO TALK TO A
LAWYER ABOUT.

Ed says CORRECT.

Maureen says OKAY, THANKS
VERY MUCH, DANIEL OR YOUR
CALL.
MARY IS IN MISSISSAUGA.
HI MARY.

Mary says HELLO.

Maureen says HI.

Mary says I WAS WONDERING,
HOW GOOD ARE THE KITS WHICH
YOU SEE ADVERTISED ON TV AND
THAT FOR WRITING UP A WILL?
AND IS IT WORTH GETTING ONE?

Maureen says I WONDER IF HE'S
GOT AN OPINION.

Ed says I COULD PROBABLY TALK
ABOUT THIS ALL DAY.
I GUESS THE IDEA IS IN
PRINCIPLE THAT YOU DON'T
NEED TO HAVE A LAWYER
PREPARE A WILL.
AND IN PRINCIPLE, THERE'S
NOTHING WRONG WITH THAT
CONCEPT.
AND A LOT OF PEOPLE THINK
THAT BECAUSE I'M A LAWYER,
I'M VERY DEFENSIVE AND
PROTECTING THE LEGAL
PROFESSION'S TURF SO TO
SPEAK.
BUT MY EXPERIENCE IS, IS
THAT I JUST DON'T FIND TOO
MANY PEOPLE WHO FILL OUT THE
KITS PROPERLY.
AND THE KITS HAVE A
DISCLAIMER RIGHT ON THE
INSIDE OF MOST OF THEM THAT
SAY THESE DOCUMENTS DON'T
SUIT EVERYBODY'S
CIRCUMSTANCES.
AND DEPENDING ON THE
COMPLEXITIES, IF YOU HAVE
CHILDREN UNDERAGE, YOU HAVE
TO CREATE TRUSTS OR
DISCRETIONARY TRUSTS.
THEY'RE TOTALLY
INAPPROPRIATE FOR YOU
BECAUSE THEY DON'T ALLOW YOU
TO FILL IN THE BLANKS
PROPERLY BECAUSE THEY DON'T
GIVE YOU THE HARD DATA.
AND I USUALLY FIND THAT MOST
PEOPLE DON'T HAVE A
SUFFICIENT UNDERSTANDING OF
THE TAX, THE FAMILY AND
PROPERTY LAWS TO BE ABLE TO
FILL OUT THEIR WILLS
PROPERLY.
IF YOU FILL OUT YOUR OWN TAX
RETURN AND YOU MAKE A
MISTAKE, WELL REVENUE CANADA
WILL KNOCK ON YOUR DOOR,
COLLECT WHATEVER THEY'RE
OWED WITH THE PENALTIES AND
INTEREST.
IF YOU MAKE A MISTAKE
DRAWING YOUR OWN WILL, IT
COULD BE TOTALLY INVALID AND
YOU MAY NEVER FIND OUT
BECAUSE YOU WOULDN'T BE
AROUND WHEN PEOPLE HAVE TO
READ AND INTERPRET WHAT IT
IS THAT YOU TRIED TO EXPRESS
AS YOUR WISH.
TO GIVE YOU AN EXAMPLE THAT
WAS RATHER HUMAN HUMOROUS, IN MY
OFFICE A GENTLEMEN CAME IN
AND SAID HE HAD HIS SON HELP
HIM PREPARE HIS WILL HIS SON
USED TO BE A LAWYER.
AND I SAID WELL, LET ME HAVE
A LOOK AT IT, BECAUSE MOST
PEOPLE DON'T GET THIS RIGHT
WHEN THEY DO IT THEMSELVES.
AND THE FIRST CLAUSE HE HAD,
HE WAS A VERY RELIGIOUS
PERSON, HE SAID “I LEAVE 10 PERCENT
OF MY ESTATE TO GOD.”
AND I SAID WELL THAT'S GREAT,
BUT THE ONLY PEOPLE WHO WILL
KNOW WHAT THAT MEANS ARE YOU
AND GOD.
AND IF SHE DOESN'T TELL
ANYBODY ELSE, WE'RE GOING TO
HAVE A LOT OF PROBLEMS
BECAUSE THERE'S GOING TO BE
A LOT OF PEOPLE FIGHTING FOR
THAT MONEY.
SO I THINK IN A CAPSULE
THAT'S MY POSITION ON WILL
KITS.
BUT I THINK MOST IMPORTANTLY
YOU HAVE TO REALIZE THAT YOU
WOULDN'T BUY A PIECE OF REAL
ESTATE, YOU WOULDN'T BUY A
HOUSE WITHOUT SEEING A LAWYER.
AND A PIECE OF REAL ESTATE
OR A HOUSE COULD BE ONLY A
SMALL PORTION OF YOUR
ESTATE.
WHY WOULD YOU TAKE A CHANCE
AND NOT SEE A LAWYER WHEN
EVERYTHING THAT YOU HAVE AND
YOUR ENTIRE LEGACY, HOW YOU
ARE GOING TO BE REMEMBERED
IS AT STAKE.
AND IF YOU DON'T DO IT RIGHT,
YOU COULD BE SPENDING YEARS
IN COURT TO FIX IT WITH
LAWYERS AND A BIG CHUNK OF
YOUR ESTATE GOING AWAY FOR
NOTHING.

Maureen says AND THIS COSTS
WHAT?
IN GENERAL, IF YOU DON'T
HAVE A LAWYER IN YOUR
FAMILY?

Ed says COSTS VARY.
I'M SURPRISED TO HEAR THAT
LAWYERS ARE QUITE REASONABLE
IN PROVIDING THESE SERVICES.
AND THEY CAN VARY, DEPENDING
ON HOW COMPLEX.
A FEW HUNDRED DOLLARS IS A
FINE INVESTMENT TO MAKE TO
GIVE YOU -- ALSO THE
LAWYER'S EXPERIENCED IN
GIVING YOU SOME TAX ADVICE.
PLUS MOST IMPORTANTLY THE
LAWYER WILL BE A WITNESS IN
COURT THAT YOU HAD
TESTOMETRIC CAPACITY.
SO EARLIER WHEN WE WERE
TALKING ABOUT A HOLOGRAPH
WILL, NOBODY KNOWS WHEN YOU
WROTE OUT THAT WILL LEAVING
EVERYTHING TO YOUR
GIRLFRIEND WHETHER YOU'D
JUST FINISHED A 40 OUNCE
BOTTLE OF SCOTCH OR NOT.
BUT IF YOU HAVE THE WILL
SIGNED IN YOUR LAWYER'S
OFFICE, THE LAWYER WILL BE
ABLE TO TESTIFY THAT THE
GIRLFRIEND WASN'T IN THE
OFFICE WHEN YOU MADE THE AND
YOU WERE SOBER AS A JUDGE,
IF THAT'S AN APPROPRIATE
EXPRESSION, AND THAT YOU
KNEW WHAT YOU WERE DOING.
BECAUSE IF YOU DON'T HAVE
THE CAPACITY TO MAKE A, WILL
IT'S NOT VALID AND LEGAL.

Maureen says OKAY, THAT'S
WILLS.
WHAT ABOUT THE OTHER THING
WE WERE TALKING ABOUT?
THE POWER OF ATTORNEY FOR
PERSONAL CARE?
BECAUSE YOU CAN DOWNLOAD
THAT FORM OFF OF THE ONTARIO
GOVERNMENT WEBSITE.

Ed says THAT'S RIGHT, THE PUBLIC
GUARDIAN AND TRUSTEES'
OFFICE HAS THEM AVAILABLE TO
MAIL TO YOU OR YOU CAN TAKE
THEM OFF THE WEBSITE.
I THINK THE POWER OF
ATTORNEY IS DIFFERENT.
IT DEPENDS ON YOUR RISK
LEVEL.
IF YOU'RE A SINGLE PERSON
AND 85 YOU'VE GOT A HIGHER
RISK SITUATION ABOUT POWERS
OF ATTORNEY AND THE
POSSIBILITY THAT SOMEBODY
WILL ABUSE THAT AND CLEAN
OUT YOUR ESTATE SO THERE
WILL BE NOTHING LEFT IN YOUR
WILL TO DEAL WITH.
IF YOU'RE 35 OR 25, YOU'RE
IN A DIFFERENT RISK CATEGORY
ALL TOGETHER.
PEOPLE WHO ARE 25 OR 35
DON'T STATISTICALLY DROP
DEAD IN THE SAME WAY THAT
80-YEAR-OLDS DO.
SO DEPENDING ON YOUR RISK,
POWERS OF ATTORNEY, I THINK
IF YOU FOLLOW THE FORMS
PROPERLY, YOU SHOULD STILL
HAVE THE FORMS CHECKED BY
LAWYERS.

Maureen says OKAY.
THERE IT IS IN A NUTSHELL.
OKAY, LET'S GO TO ANNE IN
CHATHAM NEXT.
HI ANNE?

Anne says HI.
I WAS WONDERING, MY MOTHER
HAS HER WILL ALREADY
PREPARED.
INSIDE HER WILL...
(NO AUDIO)
WE HAVE NO IDEA WHERE THE
WILL IS AT THIS POINT.
IF SOMETHING WERE TO HAPPEN
TO HER HOW DO WE KNOW HER
WISHES WILL BE MET.

Maureen says YOU SAID SIGNED HER
WILL IS SOMETHING ABOUT A
DNR, DO NOT RESUSCITATE.

Anne says YES, SHE HAS
IT --

Maureen says HER WILL SHOT
NOT POWER OF ATTORNEY?

Anne says HER WILL.
NOT POWER OF ATTORNEY.
SHE'S STATED SHE DOES NOT
WANT TO BE CREMATED, ET
CETERA, AND THAT SHE ALSO
DOES NOT WANT TO BE REUS
STATED.

Maureen says OKAY, AND IS SHE
OKAY RIGHT NOW?

Anne says OH, YES.

Ed says DO YOU KNOW IF SHE
PREPARED THE WILL HERSELF?

Anne says SHE D THEY BOUGHT
ONE OF THE WILL KITS.

Ed says WELL LET'S TRY TO DRAW A
DISTINCTION HERE.
A WILL IS ONLY GOING TO BE
VALID WHEN A PERSON'S DEAD.
IT'S ONLY GOING TO BE READ
WHEN YOU'RE NO LONGER HERE.
IT BECOMES EFFECTIVE WHEN
SOMEBODY'S DIED.
INSTRUCTIONS THAT YOU WANT TO GIVE
TO SOMEONE WHILE YOU'RE
STILL LIVING HAVE TO BE
CONTAINED IN A LEGAL
DOCUMENT THAT PEOPLE
RECOGNIZE.
SO A BANK WON'T NECESSARILY
RECOGNIZE A WILL, WHILE
SOMEBODY'S ALIVE.
A POWER OF ATTORNEY FOR
PROPERTY OR YOUR FINANCIAL
AFFAIRS WILL BE RECOGNIZED
BY A BANK, BY INSTITUTIONS
IF YOU COMPLY WITH ALL THE
LEGAL REQUIREMENTS, RIGHT?
FOR WITNESSING.
POWERS OF ATTORNEY FOR
PERSONAL CARE, THOSE WISHES
AGAIN, IF THEY'RE EXPRESSED
IN A DOCUMENT THAT PEOPLE
CAN RECOGNIZE AND SAY THIS
IS VALID, THEY'LL BE
FOLLOWED.
IF THEY'RE INSTRUCTIONS IN A
WILL, I DON'T SEE HOW
ANYBODY WILL FOLLOW THEM
NECESSARILY.

Maureen says BECAUSE A WILL
IS ONLY EFFECTIVE AFTER
YOU'RE DEAD.
SO THE DNR IN THE WILL, AND
MAYBE THIS IS ILLUSTRATED
YOUR POINT ABOUT THE KIDS,
SOMEBODY WOULD HAVE TOLD, A
LAWYER WOULD HAVE TOLD HER
THAT.

Ed says YES, I THINK THAT'S
IMPORTANT.

Maureen says SO THEY NEED TO
GET A POWER OF TERN ATTORNEY
FOR PERSONAL CARE FOR MOM.

Ed says IT SHOULD BE IN A
SEPARATE DOCUMENT AND ONE OF
THE REASONS IS IF YOU WANT
TO CHANGE YOUR INSTRUCTION
ON DO NOT RESUSCITATE, YOU
CAN CHANGE IT VERY EASILY
WITHOUT CHANGING OR ALTERING
THE WILL.
A LOT OF PEOPLE THINK THAT
THEY CAN JUST SCRIBBLE ON A
WILL OR ON A DOCUMENT AND
MAKE CHANGES AND THAT'S NOT
THE CASE.
I'VE SEEN PEOPLE TAKE A
POWER OF ATTORNEY, THEY'VE
HAD AN ARGUMENT WITH A
RELATIVE AND THEY CROSS OFF
THE RELATIVE'S NAME AND JUST
INITIAL THE CHANGE
THEMSELVES.
IF THE DOCUMENT REQUIRES TWO
WITNESSES, ALL THE CHANGES,
ALTERATIONS REQUIRE TWO
WITNESSES AS WELL.

Maureen says WE WERE TALKING
EARLIER ABOUT HAND WRITING A
WILL.
CAN YOU HAND WRITE A CODICIL
TO A WILL?

Ed says CERTAINLY IF IT MEETS THE
TEST FOR 100 HOLOGRAPHIC.

Maureen says SO YOU CAN'T
HAVE A WILL TYPED UP BY A
LAWYER AND THEN ONE DAY --

Ed says CHANGE IT?
YES YOU CAN, AS LONG AS YOU
COMPLY WITH 100 PERCENT REQUIREMENT
IT'S HANDWRITTEN, DATED AND
YOU SIGN IT.

Maureen says THE WHOLE WILL?

Ed says NO, THE AMENDMENT.
AS YOU'RE GETTING ON YOUR
PLANE TO TAKE A FLIGHT AND
REALIZE YOU MADE A MISTAKE,
YOU CAN MAKE A HOLOGRAPHIC
AMENDMENT, AS LONG AS THEY
FIND IT, IT'LL BE VALID IF
IT COMPLIES WITH THE LAW.

Maureen says GOOD ENOUGH.
AN E-MAIL FROM DILL.
WE'VE RECENTLY MOVED TO
CANADA.
MY HUSBAND AND I WROTE OUR
LAST WILLS IN OUR HOME
COUNTRY.
IS THIS RECOGNIZED IN CANADA
OR DO WE HAVE TO WRITE
ANOTHER LAST WILL?

Ed says YOU WOULD PROBABLY BEST
BE SERVED BY HAVING A NEW
WILL HERE, IF YOU HAVE REAL
ESTATE AND ASSETS HERE.
IF YOU HAVE ASSETS BACK HOME
YOU MAY WANT TO KEEP AND USE
THAT WILL TO DEAL WITH THE
PROPERTY IN YOUR FIRST
COUNTRY.
BUT MORE THAN LIKELY, YOU
WANT TO MAKE SURE THAT THE
WITNESS AND FORMAL
REQUIREMENTS FOR WILLS IN
ONTARIO, WHERE YOU HAVE YOUR
ASSETS ARE COMPLIED WITH, SO
YOU MAY WANT THAT WILL
REVIEWED AND IT MAY BE
PREFERABLE TO NAME AN
ONTARIO EXECUTOR.
I WOULD EXPECT THE EXECUTORS
IN YOUR OTHER WILL DON'T
RESIDE IN ONTARIO.

Maureen says DOES THE
EXECUTOR OF YOUR WILL HAVE
TO RESIDE ONTARIO?

Ed says IF YOU HAVE REAL ESTATE
HOLDINGS, AND IT'S GOING TO
BE A LENGTHY PROCESS GOING
THROUGH PROBATE, YOU'RE BEST
OFF TO HAVE SOMEONE IN
ONTARIO HANDLE IT.
AND THIS IS ONE OF THE
ADVANTAGES OF HAVING A WILL.
IF YOU HAVE A WILL, YOU CAN
NAME SOMEBODY FROM OUTSIDE
OF THE PROVINCE TO BE YOUR
ESTATE TRUSTEE OR YOUR
EXECUTOR.

Maureen says OKAY, IF YOU
HAVE A WILL YOU CAN.

Ed says THAT'S CORRECT.
IF YOU DON'T, ONLY PEOPLE
WHO RESIDE IN ONTARIO CAN BE
THE ESTATE TRUSTEES OF YOUR
ESTATE.

Maureen says ALL RIGHT.
DOMINGO IS IN THORNHILL.
HI DOMINGO.

Domingo says OKAY, MY FATHER HAVE A
WILL, WITH A LAWYER, MY
FATHER PASS AWAY.
MY BROTHER IS THE EXECUTOR,
AND BUT MY BROTHER WILL NOT
TELL ME WHAT IS, WHAT IS THE
AMOUNT OF ESTATE MY FATHER
HAS.
HOW DO I FIND OUT HOW MUCH
MONEY OR THE MONEY OR THE
ESTATE THAT MY HAS?
IS THERE ANYWAY TO FIND OUT?

Ed says YES, THAT'S COUPLE OF
WAYS.
DO YOU KNOW IF YOU ARE A
BENEFICIARY NAMED IN YOUR
FATHER'S WILL?
HAS YOUR BROTHER TOLD YOU
THAT?

Domingo says YEAH, YEAH.
I AM -- I AM -- I GET A
SHARE WITH MY OLDER BROTHER.
HE'S THE EXECUTOR.

Maureen says HE'S THE
EXECUTOR, BUT YOU ARE A
NAMED BENEFICIARY IN THE
WILL?

Domingo says YEAH.
ONE OF THEM.

Maureen says ONE OF THEM.
OKAY.

Ed says SO YOU'D BE ENTITLED TO
TO GET A COMPANY PEEVE THE
WILL.
SOME PEOPLE SAY YOU MAY ONLY
GET A COPY OF THE WILL THAT
DEALS WITH YOUR SPECIFIC BE
QUEST OR GIFT UNDER THE
ESTATE SO IF YOUR BROTHER OR
HIS LAWYER REFUSES TO GIVE
YOU AN ENTIRE COPY OF THE
WILL, NORMALLY IT'S FILED
FOR PROBATE PURPOSES IN THE
ESTATE COURT WHERE YOUR
FATHER LAST RESIDED AND IT'S
A PUBLIC DOCUMENT.
IF IT'S FILED WITH THE COURT,
YOU CAN GO DOWN TO THE
COURTHOUSE AND GET A COPY OF
IT.

Maureen says BUT THIS TELLS
HIM WHAT THE WILL SAID.
IT MAY NOT TELL HIM THE
AMOUNT OF THE ESTATE.

Ed says BUT THE APPLICATION FOR
PROBATE DECLARE WHAT'S
ASSETS HAVE TO BE COVERED BY
THE PROBATE APPLICATION.
TRUE, IT DOES NOT COVER ALL
ASSETS, BECAUSE IF ASSETS
WERE JOINTLY HELD WITH YOUR
BROTHER OR THERE'S
JOINTLY-OWNED REAL ESTATE,
THEY WOULDN'T BE ON THE
PROBATE APPLICATION BUT THE
APPLICATION WILL SHOW AND
IDENTIFY WHAT ASSETS WERE IN
THE FATHER'S NAME.
IT WON'T SHOW JOINT OR LIFE
INSURANCE DESIGNATED
BENEFICIARIES, OR
BENEFICIARIES OF R.R.S.P.s.
SO IF YOU'RE SUSPICIOUS, YOU
CAN CONTACT A LAWYER TO MAKE
FURTHER INQUIRIES.
I THINK YOU'RE ENTITLED TO
KNOW WHAT WAS IN THE ESTATE
FOR PROBATE PURPOSES AND
WHAT THE OVERALL SIZE OF THE
ESTATE WAS.

Maureen says YEAH.
I GUESS WE DON'T KNOW WHEN
DOMINGO'S FATHER PASSED AWAY
BUT HOW LONG ACCOUNT
EXECUTOR WAS THE ESTATE SORT
OF DAWDLE WITHOUT PAGE OUT
WHAT'S OWED TO PEOPLE?

Ed says USUALLY THERE'S A RULE OF
THUMB IN ONTARIO AN ESTATE
WOULD BE DISTRIBUTED WITHIN
ONE YEAR UNLESS THERE ARE
EXTENUATING CIRCUMSTANCES
OR COMPLEX TEASE.

Maureen says AND WOULD THERE
BE A LEGAL WAY FOR DOMINGO'S
BROTHER TO TRY TO HIDE SOME
OF HIS INHERITANCE FROM HIM?

Ed says HIDE'S PROBABLY THE NOT
BEST WORD.
THE QUESTION IS WHETHER OR
NOT IT'S ALREADY BEEN SPENT
OR WORSE THAN THAT
SQUANDERED BEFORE DAD PASSED
AWAY SO IT MAY INVOLVE THE
TRACING OF ASSETS.
BECAUSE PROBATE IS AS -- IS
FOR ASSETS THAT YOU OWN ON
THE DAY OF THE DEATH.
BUT IF YOU'VE BEEN ILL AND
SOMEBODY'S USED THE POWER OF
ATTORNEY, THEY CAN CLEAN OUT
A BANK ACCOUNT.
AND I HOPE THAT DIDN'T
HAPPEN IN OUR FRIEND'S
SITUATION.
BUT THEY CAN CLEAN OUT A
BANK ACCOUNT, CHANGE
DESIGNATIONS OF ASSETS, SO
EFFECTIVELY DAD COULD DIE
BROKE.

Maureen says ALL RIGHT, GOOD
LUCK, DOMINGO.
THANKS FOR YOUR CALL.
MARY IS IN DELHI.
HI MARY.

Mary says HI.
VERY INSTRUCTIVE.
JUST EXCELLENT.

Maureen says GOOD.

Ed says THANK YOU.

Mary says REALLY ENJOYING
IT.
OKAY, I MADE A WILL WITH MY
MOTHER AS EXECUTIVE AND
BENEFICIARY
BACK IN '57.
KIND OF FORGET ABOUT THE
WHOLE THING BECAUSE NOW
SHE'S 88.
SO I THINK -- WOULD IT BE
TIME FOR ME TO MAKE A NEW
WILL OR SHOULD I WAIT UNTIL
SHE PASSES ON?

Ed says WELL, DOES SHE NEED THE
BENEFIT FROM YOUR ESTATE?
IS SHE THE ONLY PERSON THAT
YOU WOULD WANT TO CONTINUE
TO RECEIVE IT?

Mary says YEAH I WOULD LIKE
TO LEAVE IT THAT WAY.

Ed says OKAY.
WELL THEN, IF YOU UPDATED
YOUR WILL, YOU PROBABLY WANT
TO CHOOSE ANOTHER EXECUTOR
THOUGH.
BECAUSE OF THE AGE OF YOUR
MOTHER, SHE MAY NOT BE ABLE
TO CARRY OUT THE DUTIES, AND
YOU WANT TO DEAL WITH
CONTINGENCIES IN ANY EVENT.
SO YOU'D WANT TO REVIEW THE
WILL TO SEE WHETHER OR NOT
YOU HAVE A BACK-UP EXECUTOR
AND A BACK-UP BENEFICIARY,
JUST IN CASE YOUR MOTHER
DOES DIE SUDDENLY,
UNFORTUNATELY BEFORE YOU,
AND YOU DON'T HAVE TIME TO
RE-DO YOUR WILL.

Maureen says AND THERE'S A
WAY SHE COULD WORD THAT,
SUCH THAT SHE WOULD NOT HAVE
TO THEN UPDATE THE WILL
AGAIN AFTER THE PASSING OF
HER MOTHER, BECAUSE IT WOULD
ALREADY SAY IN THERE UPON
HER DEATH, THIS PERSON WOULD
INHERIT.

Ed says THAT'S CORRECT AND I'M A
FIRM BELIEVER IF YOU DO YOUR
WILL PROBABLY YOU'RE NOT
GOING TO HAVE TO KEEP
CHANGING IT YEAR AFTER YEAR.

Maureen says ME, TOO.
I'M A FIRM BELIEVER IN THAT
AS WELL.
THANK YOU, MARY.
E-MAIL FROM PETER.
HOW COULD A PARENT SET UP A
SITUATION WHERE THE ESTATE
WOULD BE USED TO PAY MOSTLY
FOR EDUCATION TO THE
CHILDREN AND THE CHILDREN'S
CHILDREN?
THE POINT WOULD BE TO KEEP
THE CHILDREN FROM SPENDING
ALL THE MONEY ON FAST CARS?
THIS SITUATION WOULD BE TO
PAY SUPPORT TO CHILDREN AND
GRANDCHILDREN AS LONG AS
THEY'RE IN SCHOOL.
THE CHILDREN WOULD NEVER
HAVE CONTROL OF THE CAPITAL
OR ASSETS OF THE ESTATE.
COULD THIS BE DONE?
WOULD A TRUST BE
INAPPROPRIATE -- WOULD A
TRUST BE AN APPROPRIATE
STREAK IN AND HE HEARD THAT
LUCILLE BALL OF “I LOVE
LUCY” DID SOMETHING LIKE
THIS.

Ed says FIRST OF ALL, WHAT'S
WRONG WITH FAST CARS?
THERE'S NOTHING WRONG WITH
FAST CARS AS LONG AS YOU CAN
AFFORD THEM.
I THINK YOU HAVE TO LOOK AT
THE SIZE OF YOUR ESTATE AND
LOOK AT HOW MUCH WEALTH
THERE IS INVOLVED.
IF YOUR CHILDREN'S BASIC
NEEDS ARE TAKEN CARE OF.
AND THEY HAVE MORE THAN
ENOUGH MONEY THAN THEY'RE
EVER GOING TO HAVE TO WORRY
ABOUT, OR NEED ANYTHING FROM
YOUR ESTATE, THEN YOU CAN
GET INTO SOME COMPLEX TAX
PLANNING AND CREATE SEPARATE
TRUSTS FOR EACH OF THE
CHILDREN SO THAT YOU CAN
MINIMIZE SOME TAX, AND YOU
CAN CONTROL THAT TO A
LIMITED DEGREE FROM THE
GRADE BY CREATING A TRUST
FOR SPECIFIC PURPOSES, AND
THEN SHOULD THE CHILDREN NO
LONGER NEED THE MONEY IT
COULD BE USED FOR THE
GRANDCHILDREN.
YOU HAVE TO BE VERY CAREFUL.
YOU CAN'T CONTROL THIS
INDEFINITELY.
THERE ARE COMPLICATED TRUSTS
AND TAX ISSUES INVOLVED AND
IF THERE'S ENOUGH MONEY TO
MAKE IT WORTH WHILE TO DO
THAT YOU CERTAINLY CAN
INVESTIGATE IT.

Maureen says WHAT IF IT'S
JUST SORT OF AN AVERAGE
ESTATE, NOT A LOT OF MONEY
AND YOU JUST WANT IT USE IT
FOR EDUCATIONAL PURPOSES?

Ed says OKAY SO, THEN YOU HAVE TO
THINK ABOUT WHAT IS INVOLVED
IN MAINTAINING A TRUST.
IF YOU'RE GOING TO TRY TO
HAVE A TRUST ACCOUNT
ESTABLISHED FOR 10,000 OR
5,000 DOLLARS YOU'RE GOING TO HAVE
TO PREPARE ANNUAL TRUST
RETURN, TAX RETURNS AND PAY
ONGOING TRUSTEE FEES TO
MAINTAIN AND MONITOR THE
FUND IS ANYBODY REALLY GOING
TO WANT TO DO THAT JOB FOR
20 YEARS AND NOT GET PAID?
IS IT WORTH WHILE TO DO IT
IF THERE'S ONLY 10,000 DOLLARS IN
IT?
MOST PEOPLE WOULD SAY NO.

Maureen says THANK YOU,
PETER.
WE'RE TALKING ABOUT ESTATE
PLANNING, LIVING WILLS,
POWER OF ATTORNEY THIS
AFTERNOON WITH ED OLKIVICH,
THE AUTHOR OF “ESTATE
PLANNING IN SIX SIMPLE STEPS
FOR CANADIANS.”
WE'VE GOT FIVE COPIES TO
GIVE AWAY THIS AFTERNOON.
GIVE US A CALL WITH YOUR
QUESTION.
AT 416 484-2727.
LONG DISTANCE, OUR TOLL FREE
NUMBER 1-888-411-1234
AND YOU CAN E-MAIL YOUR QUESTION TO
MORETOLIFE@TVO.ORG

Maureen says JERRY IS NEXT.
HI JERRY?

Jerry says HI.

Maureen says HI.

Jerry says MY HUSBAND, HE'S
ON HIS SECOND MARRIAGE.
HE'S GOT THREE HOLDER KIDS.

Maureen says OKAY.
YOU'RE HIS SECOND WIFE?

Jerry says YES, WE'VE BEEN
MARRIED FOR FIVE YEARS.

Maureen says OKAY.

Jerry says HE DOESN'T REALLY
BELIEVE IN DOING WILLS.
HE SAID IF ANYTHING HAPPENS
TO HIM, EVERYTHING'S
AUTOMATICALLY MINE.
I'D LIKE TO KNOW IF HIS
THREE KIDS CAN COME AND TAKE
WHATEVER THEY WANT.

Maureen says OKAY.
YEAH, IS EVERYTHING
AUTOMATICALLY HERS?

Ed says IT'S NOT THE CASE.
WE LOOK AT EVERYBODY'S
ESTATE PIE DIFFERENTLY, AND
EVERYBODY WHEN THEY PASS ON
HAVE DIFFERENT KINDS OF
ASSETS IN THEIR ESTATE, AS I
DESCRIBED IT.
YOU HAVE NORMALLY DESIGNATED
ASSETS, YOU HAVE JOINT
ASSETS AND YOU HAVE ASSETS
THAT ARE COVERED BY YOUR
WILL.
SO FOR EXAMPLE, DESIGNATED
ASSETS WOULD BE R.R.S.P.s,
LIFE INSURANCE PROCEEDS.
IF HE LEFT THEM AND
DESIGNATED YOU AS THE
BENEFICIARY, YOU WOULD GET
THEM.
JOINT ASSETS WOULD BE JOINT
ACCOUNTS AT THE BANK WITH
WRITERS SURVIVORSHIP, JOINTLY
OWNED REAL ESTATE.
IF YOU'RE JOINTLY OWNED WITH
YOUR HUSBAND AND HE PASSED
AWAY FIRST, YOU WOULD
PROBABLY GET ALL OF THOSE
ASSETS AS WELL.
WHAT'S LEFT IS WHAT ARE
ASSETS THAT ARE JUST IN HIS
NAME, AND WHAT WOULD THAT
CONSIST OF?
I DON'T KNOW IF IT'S 10,000
OR 100,000 DOLLARS.
BUT IF HE DIED WITHOUT A
WILL, WHO WOULD BE THE
PERSON WHO WOULD ADMINISTER
THE ESTATE?
AND BASICALLY CHILDREN ARE
ENTITLED TO A SHARE IN THE
ESTATE AS WELL.
YOUR SITUATION WOULD BE VERY
COMPLICATED IF YOU REQUIRE
SUPPORT IN ADDITION TO
ASSETS THAT WERE LEFT IN HIS
OWN NAME.
SO AS A GENERAL RULE, I
WOULD TELL YOU MEN ARE
SOMETIMES RELUCTANT TO GO
AHEAD AND MAKE WILLS BECAUSE
THEY THINK THEIR SPOUSES
WILL NATURALLY INHERIT
EVERYTHING.
AND I CAN TELL YOU AS A
GENERAL RULE THAT'S NOT THE
CASE.
AND TO ELIMINATE ANY
PROBLEMS AND HARDSHIPS YOU
WOULD HAVE, I'D RECOMMEND
YOU COAX HIM INTO A LAWYER'S
OFFICE.

Maureen says CAN YOU, THOUGH,
MAKE WILL AND DISINHERIT ALL
YOUR CHILDREN IN FAVOUR OF A
SECOND SPOUSE?

Ed says YOU CERTAINLY CAN.
AS A MATTER OF FACT, THE
MARRIAGE HERE IN THIS CASE,
A MARRIED SPOUSE HAS
PROPERTY RIGHTS.
HAS RIGHTS TO CLAIM AGAINST
AN ESTATE.
YOU REALLY CAN'T CUT OUT A
MARRIED SPOUSE.

Maureen says NO, BUT YOU CAN
CUT OUT YOUR CHILDREN?

Ed says CERTAINLY CAN.

Maureen says AND IT WON'T
SURVIVE ANY KIND OF
CONTESTING --

Ed says WELL LAWYERS ARE ALWAYS
GOOD AT FINDING LOOPHOLES
AND I CAN'T SAY AS A GENERAL
RULE YOU COULD CUT OUT
CHILDREN WITHOUT DIFFICULTY.
YOU HAVE TO LOOK AND SEE IF
THERE'S A LEGAL OR MORAL
CLAIM THAT THE CHILDREN CAN
MAKE AGAINST YOUR ESTATE.
IF YOU'VE PROMISED THEM
SOMETHING, LIKE YOU'VE
PROMISED TO FORGIVE AN
I.O.U. AND YOU DON'T MEET
THAT PROMISE BECAUSE YOU
DON'T WRITE A WILL, WILL
YOUR CHILDREN MAY SAY DAD
PROMISED THAT I WOULD NEVER
HAVE TO PAY BACK THIS MONEY.
HE DIDN'T MENTION IT IN HIS
WILL, I'M NOT PAYING IT
BACK.

Maureen says I DON'T KNOW IF
THIS IS THE CASE WITH JERRY
BUT WHAT IF YOU WERE A
FATHER WHO DIDN'T PAY CHILD
SUPPORT WHEN YOU WERE
DIVORCED AND YOUR KIDS WERE
YOUNG.
CAN THE KIDS THEN TRY TO
COME AFTER THE ESTATE FOR
THIS MONEY?

Ed says CERTAINLY THEY CAN.
I MEAN, WE SEE THAT ALL THE
TIME.

Maureen says IS THAT RIGHT,
EH?

Ed says YEAH.

Maureen says ARE THEY
SUCCESSFUL IN THE COURTS?

Ed says IT DEPENDS ON THE NATURE
OF THE CLAIM WHETHER THEY
HAVE AN EXISTING COURT ORDER
FOR SUPPORT AND NOW THEY'RE
ATTEMPTING TO SUPPORT --
ENFORCE IT OR MAKING A CASE
NOW, LIKE WE'RE SEEING HERE
IN THE CITY OF TORONTO WITH
OUR MAYOR, MAKING A CASE
LATER ON WHERE THEY NEVER
HAD EXISTING CLAIMS THAT
WERE MET.

Maureen says OKAY.
CLAUDIA IS NEXT IN ZURICH.
HI CLAUDIA.

Claudia says HELLO.

Maureen says HI.

Claudia says MY PARENTS HAD
THEIR WILLS AND POWERS OF
ATTORNEY DRAWN UP, AND THEY
TOOK THEM TO THE FINANCIAL
INSTITUTION AND THE
FINANCIAL INSTITUTIONS ARE
NOT ACCEPTING THEM AS BEING
VALID.
DO THEY HAVE A RIGHT TO DO
THAT?

Maureen says WHAT IS THEIR
REASON?

Ed says THEY JUST WON'T ACCEPT
THEM.
THEY INSIST THAT THEY BE
DONE UP ON THE BANK FORMS.
ON THEIR OWN POWER OF
ATTORNEY FORMS.

Maureen says OH, IS THIS THE
BANK'S --
I HAVE A RELATIVE WHO'S
RAILING AGAINST THE BANKS
LATELY FOR TRYING TO CREEP
INTO PLACES WHERE LAWYERS
ONLY TREAD BEFORE.

Ed says WELL, I THINK THE ANSWER
TO THE QUESTION, SIMPLY, IF
IT'S A PROPER POWER OF
ATTORNEY AND IT COMPLIES
WITH THE LAWS OF ONTARIO, AN
ATTORNEY CAN DO ANYTHING
THAT THE PERSON GIVING THE
POWER OF ATTORNEY COULD DO
EXCEPT MAKE A, WILL OR BREAK
THE LAW, FOR THAT MATTER.
SO IT USED TO BE THE CASE
THAT THE BANKS TOOK THIS
POSITION, THAT THEY WANTED
THEIR FORMS, BUT I THINK
IT'S CLEAR THAT THAT'S
INCORRECT IN LAW.
THE QUESTION ONLY WOULD BE
IS WHETHER OR NOT THE FORM
IS PROPERLY FILLED OUT OR
THE BANK -- THE PERSON AT
THE BANK IS NOT FAMILIAR
WITH THE BANK'S POLICIES.
PERHAPS IT MAY BE THAT
YOU'LL HAVE TO SPEAK TO
SOMEONE HIGHER UP IN THE
BANKING INSTITUTION AND GET
SOMEONE TO RECOGNIZE THE
DUELS AS VALID, ASSUMING
THEY ARE.

Maureen says BUT THEY'RE
VALID WHETHER OR NOT THE
BANK PUTS THEM ON FILE THERE
OR NOT, RIGHT?

Ed says CORRECT.
BUT THE DIFFICULTY IS IF THE
BANK WON'T LET YOU TAKE THE
MONEY OUT OF THE ACCOUNT,
THEY'RE THE ONE WHOSE DECIDE
VALIDITY, AND NOBODY WANTS
TO GO TO COURT TO MAKE THOSE
DECISIONS.
SO SPEAKING TO A SUPERVISOR
OR SOMEBODY HIGHER UP IN THE
CHAIN OF COMMAND WILL
SOMETIMES RESOLVE THAT
PROBLEM.

Maureen says IS THIS STILL
HAPPENING?
BANKS ARE INVITING PEOPLE TO
COME DOWN AND DRAW UP THEIR
WILL AND POWER OF ATTORNEY
WITH THE LAWYERS THE BANK IS
PROVIDING?
MAYBE NOT IN TORONTO.
MAYBE THAT'S JUST MORE A
SMALL TOWN THING.

Ed says WELL, I THINK SOME OF THE
TRUST COMPANIES OFFER
SERVICES.
AND IT USED TO BE THAT THEY
ACTUALLY PREPARED THE WILLS
AND DID THEM IN-HOUSE.
RIGHT NOW, IF YOU GO TO A
BANK AND YOU'RE ASKING THE
BANG OR A TRUST COMPANY,
MORE APPROPRIATELY, TO BE
YOUR EXECUTOR OR ESTATE
TRUSTEE, THEY'LL PROBABLY
RECOMMEND A PANEL OF LAWYERS
TO DO THE WORK FOR YOU.
BECAUSE THEY WANT TO MAKE
SURE A CERTAIN LEVEL OF
DOCUMENTATION THAT THEY
REQUIRE IS INCLUDED IN THEIR
WILLS.

Maureen says OKAY.

Ed says SO THAT DOES HAPPEN.

Maureen says BUT BASICALLY
CLAUDIA CAN TELL HER PARENTS
TO TELL THE BANK THAT THEY
CAN'T DO THIS.

Ed says THE SHORT ANSWER, THAT'S
CORRECT.
BUT ULTIMATELY THEY HAVE TO
DEAL WITH THE PERSON AT THE
COUNTER WHO'S GIVING THEY
WANT THE REJECTION, AND
MAYBE THERE IS SOMETHING
WRONG.
MAYBE THERE'S SOME
SUSPICIOUS CIRQUE THERE IS
THAT WE DON'T KNOW ABOUT.
BUT THAT'S INCORRECT.

Maureen says OKAY.
NATALIE IN BRACEBRIDGE.
WELCOME.

Natalie says HI, MAUREEN.

Maureen says HI.

Natalie says HI, MISTER OLKIVICH.
THIS IS SO TIMELY.
WHAT I NEED TO KNOW IS I
HAVE TWO QUESTIONS.
HOW MUCH CONTROL DOES A
POWER OF ATTORNEY HAVE WITH
AN OLDER PERSON WHEN THERE'S
SUSPECTED ABUSE, MAYBE A BIT
OF BACKGROUND MIGHT BE
HELPFUL.
MY GRANDMOTHER'S 94 AND SHE
RECENTLY BROKE HER HIP AND
WAS PUT IN A HOSPITAL AND
SHE WAS DEEMED COMPETENT.
BUT WHILE SHE WAS IN THERE
SHE WAS TOLD THAT SHE HAD NO
MONEY LEFT THAT HER EXISTING
POWER OF ATTORNEY HAS HER
HOUSE, HAS HER MONEY, HAS
HER CAR, HAS EVERYTHING.
SO SHE REVOKED THE POWER OF
ATTORNEY, WHICH WAS MY AUNT
AND GAVE IT TO MY SISTER.
AND SHE WAS GOING TO LIVE
WITH MY SISTER, BUT THEN
WHEN MY AUNT THREATENED HER,
WHICH WE HAVE AFFIDAVITS
SIGNED BY PEOPLE SAYING THIS
WAS THE CASE, SHE DECIDED TO
GO BACK WITH MY AUNT.
SO BASICALLY WHAT I'D LIKE
TO KNOW IS HOW MUCH POWER
DOES A PERSON HAVE WITH
POWER OF ATTORNEY?
IS THERE ANYTHING THAT MY
SISTER CAN DO WITHOUT MY
GRANDMOTHER'S APPROVAL,
GIVEN THAT SHE DOESN'T WANT
TO MAKE WAVES FOR FEAR OF
REPERCUSSIONS?

Ed says WOW.
YOUR SISTER HAS THE NEW
CURRENT POWER OF ATTORNEY?

Natalie says YES.

Ed says ALL RIGHT SO, SHE CAN DO
ANYTHING THAT THE DONOR OF
THE POWER OF ATTORNEY CAN DO,
EXCEPT MAKE A, WILL AS I
SAID.
IT SOUNDS, WHEN YOU'RE
TALKING ABOUT AFFIDAVITS,
YOU INVOLVED IN A COURT CASE
RIGHT NOW?

Natalie says NO, BUT WE THOUGHT IN
CASE THERE WAS ONE, BECAUSE
WE'RE SUSPECTING ABUSE.

Ed says RIGHT, RIGHT.
WELL, THE RULES SAY THAT AN
ATTORNEY IS A FID JUDICIARY,
WHICH BASICALLY MEANS AN
ATTORNEY CANNOT PROPERTY
FROM THE RELATIONSHIP.
SO THE FIRST ATTORNEY WOULD
HAVE TO FINANCIALLY ACCOUNT
FOR ALL THEIR TRANSACTIONS.

Maureen says OR WHAT?
WHO'S THE ONE WHO CALLS THEM
ON IT?

Ed says WELL, I WOULD THINK THE
NEW ATTORNEY WOULD WRITE A
LETTER TO THE OLD ATTORNEY
AND SAY “PLEASE GIVE ME A
COMPLETE ACCOUNTING, WHAT
YOU'VE DONE WITH OUR
RELATIVES' MONEY AND I NEED
IT ITEMIZED AND BROKEN
DOWN.”

Maureen says OKAY, NOW BUT
THERE IS THIS CONCERN THAT
THE 94-YEAR-OLD GRANDMOTHER
IS LIVING WITH THAT FIRST
ATTORNEY AND THAT THERE
MIGHT BE AT LEAST VERBAL
ABUSE GOING ON.

Ed says THEN THAT'S A DIFFERENT
KETTLE OF FISH.
THOSE KINDS OF ISSUES ARE
REALLY SENSITIVE AND IT MAY
VERY WELL BE THAT YOU WILL
HAVE TO MEET WITH THE
RELATIVE INDEPENDENTLY TO
VERIFY WHETHER OR NOT THERE
IS ABUSE, AND CONTROL.
BECAUSE WHAT HAPPENS IS, IS
THAT IT'S SO SUBTLE, AND
WHEN IT DOES HAPPEN, A LOT
OF ELDERLY PEOPLE DON'T WANT
TO PROSECUTE.
THEY DON'T WANT TO ADMIT
THAT THEY'VE BEEN
VICTIMIZED.
AND IT BECOMES VERY, VERY
SENSITIVE.
SO I'D RECOMMEND YOU SPEAK
TO THE RELATIVE PRIVATELY
AND TRY TO FIND OUT EXACTLY
WHAT HAPPENED.
IT MAY VERY WELL BE THAT
YOUR SUSPICIONS ARE VALID,
IT MAY VERY WELL BE THAT THE
RELATIVE WANTED THIS MONEY
TO GO THERE.
SO YOU NEED TO VERIFY THAT.

Maureen says HER SISTER
HAVING THE POWER OF ATTORNEY
NOW, THEY CAN BE CONFIDENT
IF ANYTHING HAPPENS TO THE
GRANDMOTHER AGAIN, IT'S THE
SISTER STILL RETAINS POWER
OF ATTORNEY.

Ed says CORRECT BUT WHAT'S LEFT
IN THE ASSET PORTFOLIO'S A
DIFFERENT QUESTION AND IT'S
WISE TO GET ON THESE THINGS
EARLY AND SEE A LAWYER.

Maureen says OKAY.
THANKS VERY MUCH.
CHRIS IS IN OTTAWA.
HI CHRIS?

Chris says HI.

Maureen says HI.

Chris says JUST A QUESTION,
GIVEN THAT I'M STILL YOUNG
AND SINGLE, WITHOUT A FAMILY
OR ANY KIDS, ARE THERE ANY
SPECIFIC METHODS THAT YOU
WOULD SUGGEST THAT I PUT IN
A WILL, BECAUSE I DON'T HAVE
ONE, TO LESSEN ANY TAX
IMPLICATIONS ON, WITH THE
DISPERSAL OF MY ESTATE AND
WHO I SPLIT IT TO,
PROTECTING R.R.S.P.S AND ALL
THAT SO THE GOVERNMENT GETS
AS LEAST AS THEY POSSIBLY
CAN.

Maureen says YOU'RE A YOUNG
GUY TO BE SO CYNICAL ABOUT
ALL OF THIS.

Chris laughs.

Ed says WELL WE DO WANT TO KEEP
AS MUCH LOOT AS POSSIBLE FOR
YOUR LOVED ONES BUT THE BEST
WAY TO ANSWER THIS QUESTION
IS YOU NEED TO GET SOME TAX
OR FINANCIAL PLANNING
ADVICE.
MOST LAWYERS WILL BE BE ABLE
TO IN A SIMPLE SITUATION
GIVE YOU SOME TIPS.
UNFORTUNATELY IF YOU DON'T
HAVE A SPOUSE YOU CAN'T
QUALIFY FOR CERTAIN SPOUSAL
ROLL-OVERS AND THERE'S VERY
LIMITED WAYS OF AVOIDING TAX
OR REDUCING IT, IF
UNFORTUNATELY YOU'RE CALLED.

Maureen says SO YOU'RE SAYING
THE WILL IS NOT REALLY THE
VEHICLE TO LOOK FOR TAX
BREAKS.
THERE'S NOT TOO MUCH YOU CAN
DO --

Ed says WELL, IF THE CALLER IS
SINGLE, IT'S VERY DIFFICULT
TO TAKE ADVANTAGE OF A LOT
OF TAX BREAKS.

Maureen says WHAT ABOUT
CHARITY?

Ed says YOU CAN CERTAINLY DONATE
TO YOUR FAVOURITE CHARITY OR
COMMUNITY GROUP OR CAUSE.
THAT WILL GIVE YOUR ESTATE A
TAX BREAK AND DONATING
STOCKS OR BOND OR R.R.S.P.s
OR LIFE INSURANCE POLICIES
ARE GOD WAYS OF DOING THAT.
BUT FOR GENERALLY SPEAKING,
IF HE'S TRYING TO MINIMIZE
THE TAXES THAT HE'S PAYING,
THERE ARE VERY FEW, LIMITED
OPPORTUNITIES UNLESS HE HAS
A BUSINESS.
SO FINANCIAL PLANNING AND
SOME TAX ADVICE FROM A
LAWYER, ACCOUNTANT OR
FINANCIAL PLANNER MAY BE
APPROPRIATE.
IT'S AN ONGOING PROCESS,
BECAUSE I COULDN'T REALLY
GIVE HIM A TIP TODAY,
BECAUSE I DON'T KNOW THE
NATURE OF HIS ASSETS AND
WHAT HE HAS.

Maureen says MM-HMM.
YOU WERE TALK EARLIER ABOUT
SOMEONE MAY BE BUYING LIFE
INSURANCE TO COVER THE TAXES
THAT THE CHILDREN MIGHT HAVE
TO PAY.
YOU KNOW THAT WOULD NEVER
OCCUR TO ME TO DO THAT.
WHY SHOULD I TAKE OUT LIFE
INSURANCE NOW SO THAT MY
KIDS GET MORE OF MY MONEY
AFTER I'M DEAD.
LET THEM PAY THE TAXES OUT
OF WHAT I PASS ON.

Ed says WELL, MAYBE YOUR KIDS
WOULD PREFER TO PAY A LIFE
INSURANCE PREMIUM ON YOUR
LIFE SO THAT THEY CAN
INHERIT YOUR COTTAGE AND AT
THE SAME TIME PAY THE TAXES
ON THE COTTAGE.

Maureen says OH, SO IT CAN BE
DONE THAT WAY.
OKAY, I SEE.

Ed says CORRECT.
IT'S PART OF THE OVERALL
PLANNING.
IT MAY BE A LOT CHEAPER TO
PAY LIFE INSURANCE THAN TO
PAY THE TAXES.

Maureen says OKAY.
JERRY IN BRAMPTON.
HI JERRY.

Jerry says HI.
YEAH, I'M JUST WONDERING, MY
WIFE'S PARENTS HAVE A FARM,
I GUESS PROBABLY ABOUT HALF
A MILLION DOLLARS' WORTH AND
THAT'S ABOUT ALL THEY HAVE.
AND THEIR ESTATE.
AND WE WERE WONDERING
WHETHER THERE WOULD BE ANY
TAX ADVANTAGE TO GOING ON
TITLE WITH THEM BEFORE THEY
DIE, SO THAT WE WOULD THEN
BECOME OWNERS WHEN THEY DO
DIE, ALONG WITH HER BROTHER.

Maureen says SO BECOME ALL
JOINT OWNERS OF THE FARM.

Ed says WELL THE GOOD NEWS IS
THAT AN INNER GENERATIONAL
TRANSFER OF FARMS, QUALIFIED
FARMING PROPERTY, THERE ARE
CERTAIN EXEMPTIONS IN THAT
CASE AND 500,000 SEEMS TO BE
A MAGIC NUMBER THAT I
RECALL.
SO GETTING SOME TAX ADVICE
ABOUT THAT SPECIFIC ASSET
WOULD BE APPROPRIATE.
I DON'T SEE ANY BENEFIT OF
PUTTING OTHER PEOPLE ON
TITLE.
AS A GENERAL RULE I'M
OPPOSED TO PARENTS AND
CHILDREN SHARING TITLE
UNLESS THERE'S A VERY GOOD
REASON.
BY TRANSFERRING THE PROPERTY,
IF IT DOESN'T QUALIFY FOR A
TAX ROLL-OVER, YOU COULD BE
GENERATING INCOME TAX
LIABILITIES IMMEDIATELY,
WHEN THE KIDS GO ON TITLE.
LIKE IN THE CASE OF A
COTTAGE.
OR A RENTAL PROPERTY.

Maureen says OH.
OH.

Ed says SO THERE'S THIS MYSTIQUE
OUT THERE THAT A LOT OF
PEOPLE SAY IF I PUT MY KIDS
ON TITLE TO MY HOUSE, RENTAL
PROPER AND -- PROPERTY AND
THE COTTAGE I'M GOING TO
SAVE ALL KINDS OF TAX AND
AVOID ALL KINDS OF PROBATE
COSTS.
THAT'S NOT THE CASE.
NOT THE CASE AT ALL.
YOU'D BE INCURRING
IMMEDIATELY THE COSTS OF THE
INCOME TAX LIABILITIES, THE
COST OF TRANSFERRING THE
ASSETS, AND YOU ALSO LOSE
CONTROL OF THE PROPERTY.

Maureen says WOW!
BUT YOU'RE SAYING THAT
BECAUSE IT'S A FARM --

Ed says YOU COULD QUALIFY FOR A
TAX ROLL-OVER IF IT'S AN
ACTIVE FARMING PROPERTY.

Maureen says ACCORDING TO THE
WILL -- AS LONG AS IT'S IN
THE WILL, THE NEXT
GENERATION IS NAMED AS A
BENEFICIARY --

Ed says CORRECT BUT YOU CAN ALSO
DO IT WHILE THE PERSON IS
ALIVE IN CERTAIN
CIRCUMSTANCES.

Maureen says OH.
THANK YOU FOR YOUR QUESTION.
JENNY SAYS OVER 15 YEARS AGO
MY PATERNAL GRANDMOTHER LEFT
OVER 100,000 DOLLARS TO ME AND MY
BROTHER IN THE FORM OF
STOCKS AND CERTIFICATES.
MY MOTHER WAS NAMED TRUSTEE.
THE PURPOSE WAS TO PROVIDE
FOR OUR CONTINUING EDUCATION
AND FOLLOWING THAT LEFT TO
DISCRETION.
WHEN WE WERE NINE AND 12, MY
MOTHER GOT US S.I.N. NUMBERS
AND WE WERE TOLD TO SIGN ALL
THESE PAPERS.
IT WASN'T UNTIL I WAS OLDER
I REALIZED I'D SIGNED AWAY
ALL THIS INHERITANCE.
IS THIS COMMON PRACTICE WHEN
DEALING WITH CHILDREN OF
SUCH A YOUNG AGE?

Ed says THAT'S A VERY COMPLEX
SITUATION.
USUALLY CHILDREN UNDER THE
AGE OF 18 CAN'T ENTER INTO
CONTRACTS, ESPECIALLY NOT
WITH THEIR OWN PARENTS.
SO THE QUESTION IS THE TRUST
FUND MAY HAVE BEEN USED, AND
THERE MAY HAVE BEEN SOME
DISCRETION ON THE PART OF
THE PARENT, THE MOTHER, TO
USE THAT MONEY FOR THEIR
NEEDS, AND IT MAY BE THAT
SHE HAD ASKED THEM TO -- SHE
NEEDED TO USE THE TRUST
FUNDS FOR THEIR SUPPORT OR
EDUCATION OR OTHER
LEGITIMATE REASONS WHILE
THEY WERE ALIVE.
AND THE FORMALITY OF SIGNING,
IT MAY HAVE BEEN THAT THE
ACCOUNT WAS OPEN IN THE
CHILDREN'S NAME AND THE
MOTHER'S NAME AND IT COULD
HAVE BEEN JUST A FORMALITY
TO SIGN, TO CLOSE THE
ACCOUNT OR TRANSFER FUNDS
OUT.
IT'S IMPOSSIBLE TO SPECULATE
WHAT YOU DID WHEN YOU WERE
12.
I THINK IT'S A GOOD THING TO
SIT DOWN AND HAVE A CUP OF
COFFEE WITH YOUR MOTHER AND
TRY TO FIND OUT WHAT
HAPPENED.

Maureen says I HAVE A
SUSPICION THEY'RE NOT
SPEAKING, BUT SHE DOESN'T
SAY THAT.
BUT NO, IF YOU'RE A
GRANDPARENT WANTING TO LEAVE
SOMETHING TO GRANDCHILDREN,
SPECIFICALLY FOR THEM AND
NOT FOR YOUR OWN CHILDREN,
BECAUSE MAYBE YOU'RE GIVING
THEM SOMETHING ELSE, HOW DO
YOU ENSURE THAT IT'LL BE
SPENT BY THE GRANDCHILDREN?

Ed says IT'S VERY DIFFICULT TO
ENSURE, BECAUSE MOST PEOPLE
WOULD PICK THEIR OWN
CHILDREN, THE PARENTS, AS
TRUSTEES.

Maureen says AS THEY DID
HERE.

Ed says SO UNLESS THERE'S AN
INDEPENDENT TRUSTEE AND MOST
PEOPLE, UNLESS THEY'VE GOT
SUBSTANTIAL WEALTH, THEY'RE
NOT LOOKING TO A TRUST
COMPANY OR INDEPENDENT TRUSTEES
TO MONITOR OR MAINTAIN A
TRUST FUND, BECAUSE THE
COSTS ANNUALLY, THE FEES CAN
BE 1 PERCENT OF THE VALUE OF THE
TRUST FUND.
SO YOU CAN SEE QUICKLY THE
FEES AND THE TAX LIABILITIES
CAN QUICKLY DIMINISH AND
DECREASE WHAT'S IN THE TRUST
FUND.
SO TRUSTS ARE VERY
COMPLICATED.
A LOT OF PEOPLE COME IN AND
SAY THEY WANT TO CONTROL THE
MONEY THAT THEY GET UNTIL
THE KIDS ARE 35.
AND THEN WHEN WE SIT DOWN
AND FIGURE OUT WHAT'S LEFT
AND HOW THE KIDS MAY
ACTUALLY NEED IT BEFORE
THEY'RE 35, THEY CHANGE
THEIR MINDS VERY QUICKLY.

Maureen says YEAH, I SEE.
ALL RIGHT, JOYCE IS IN PETWHATWA.
HI JOYCE.

Joyce says I HAVE A
QUESTION.
ACTUALLY IT'S CONCERNING A
DIFFERENT COUNTRY.
MY HUSBAND'S FATHER DIED TWO
AND A HALF YEARS AGO.
IN ENGLAND.
AND MY BROTHERS-IN-LAW THERE
ARE NAMED THE EXECUTOR, TWO
OF THEM.
AND ALONG WITH THE LAWYER,
WHICH WE THOUGHT WAS VERY
STRANGE.
BUT ANYWAY, THIS LAWYER IS
DRAGGING HIS FEET, SETTLING
THE ESTATE AND SO ON.
AND THERE'S ALSO A
MOTHER-IN-LAW IN THE
PICTURE.
LIKE, IS THIS REALLY UNWISE
TO NAME A LAWYER AS AN
EXECUTOR?
THE PROBLEM IS JUST NOW THEY
WANT TO GET RID OF HIM AND
THEY CAN'T BECAUSE HE'S AN
EXECUTOR.
LIKE, WHAT'S YOUR THOUGHTS
ON THAT.

Ed says OKAY, A COUPLE OF THINGS.
FIRST OF ALL, WHEN YOU'RE
TALKING ABOUT ESTATE IN
ANOTHER COUNTRY, BECAUSE THE
RULES ARE SO COMPLEX, YOU'RE
ALMOST BEST OFF TO GET AND
HIRE YOUR OWN LAWYER IN THAT
COUNTRY TO GIVE YOU ADVICE.
WHAT MAY SOUND LIKE TWO AND
A HALF YEARS A RATHER LONG
TIME FOR US, MAY BE
PERFECTLY NORMAL THERE,
THOUGH IT DOES SOUND A
LITTLE STRANGE.
SO I WOULD FIRST OFF GET A
LAWYER IN THE COUNTRY TO
ADVISE YOU.
THE QUESTION IS, SHOULD A
LAWYER BE AN EXECUTOR?
WELL, THAT'S A DIFFICULT ONE
BECAUSE IN SMALL COMMUNITIES
YOU KNOW YOUR DENTIST, YOU
KNOW YOUR DOCTOR, YOU KNOW
YOUR ACCOUNTANT AND YOU KNOW
YOUR LAWYER AND YOU TRUST
THEM.
SOMETIMES YOU'LL TRUST YOUR
LAWYER OR ACCOUNTANT MORE
THAN YOU'LL TRUST YOUR OWN
FAMILY MEMBERS BECAUSE
SOMETIMES WE KEEP SECRETS
FROM OUR SPOUSES, OUR OWN
CHILDREN ABOUT HOW BIG OUR
ESTATE IS, WHAT OUR REAL
DEBT LOAD IS.
SO WE'RE SECRETIVE WHEN IT
COMES TO MONEY AND SOMETIMES
THE PEOPLE YOU TRUST WITH
YOUR SECRETS ARE THE PEOPLE
YOU WANT TO BE YOUR
EXECUTORS.
AND LAWYERS OBVIOUSLY KNOW
THE RULES.
BUT IF YOU HIRE A CRIMINAL
LAWYER TO BE YOUR EXECUTOR,
YOU'RE REALLY NOT GETTING
ANY ADVANTAGE.
SO AS A GENERAL RULE IN MY
BOOK, I HAVE A SERIES OF
CHECK LISTS FOR YOU TO
CONSIDER WHETHER YOU NEED A
PROFESSIONAL, A TRUST
COMPANY OR A FAMILY MEMBER.
AND AS A GENERAL RULE, YOU
WANT TO REMEMBER THAT FAMILY
WON'T CHARGE A FEE IN MOST
CASES WHEN THEY'RE
EXECUTORS.
PROFESSIONALS HAVE TO.
IF THEY SPEND THE TIME TO DO
IT, HAVE TO BE COMPENSATED
FOR IT.
SO LAWYERS MAY NOT BE YOUR
FIRST CHOICE UNLESS YOU CAN
JUSTIFY WHY.
AND THE LAST PART OF YOUR
QUESTION IS VERY VALID.
HOW DO YOU REMOVE AN
EXECUTOR WHO'S A LAWYER?
YOU BASICALLY HAVE TO FIND
SOME KIND I HAVE BUS,
MISCONDUCT OR -- SOME KIND
OF ABUSE, MISCONDUCT OR BIAS
DIRECTED TOWARD SO
BENEFICIARIES.
SO IT'S VERY DIFFICULT.
YOU'RE GOING TO HAVE TO
APPLY IN COURT TO REMOVE AN
EXECUTOR WHO MAY BE A
LAWYER, WHO MAY BE ABLE TO
CONTEST IT RATHER EASILY,
AND WHICH GIVES YOU SOME
CAUSE FOR CONCERN THAT WHEN
YOU CHOOSE YOUR EXECUTOR, BE
CAREFUL.
BECAUSE IT'S VERY HARD TO
REMOVE THEM.

Maureen says BUT YOU SAID
EARLIER -- OR DID YOU.
MAYBE I'M MAKING THIS UP.
AN EXECUTOR CANNOT BENEFIT
HIMSELF FROM THE WILL IN.

Ed says NO, AN EXECUTOR CAN BE A
BENEFICIARY.
IN MY CASE, I HAVE LEFT MY
WIFE AS MY ESTATE TRUSTEE
AND I'VE GIVEN HER
EVERYTHING I HAVE.
BUT --

Maureen says RIGHT, THAT'S
TRUE.

Ed says BUT THEY CANNOT GET ANY
PERSONAL PROFIT FROM THE
ESTATE UNLESS THE WILL GIVES
THEM THE RIGHT TO BUY ASSETS
FROM THE ESTATE THEY CAN'T
PURCHASE ASSETS THEMSELVES.
UNFORTUNATELY THERE ARE
HORROR STORIES WHERE
SOMETIMES THE LAWYER OR
EXECUTORS ARE SLOWING DOWN
THE ADMINISTRATION OF THE
ESTATE SO THEY CAN TAKE
ADVANTAGE OF IT.

Maureen says THEY'RE GETTING
THE FEE LONGER.
OKAY LET'S GO TO NICOLE IN
NIAGARA FALLS.
HELLO, NICOLE?

Nicole says HELLO, CAN YOU
HEAR ME?

Maureen says YEAH.

Nicole says OH, HI.
ACTUALLY I HAVE A QUESTION.
FOR GOOD AND DOCUMENTED
REASONS, A FAMILY WISHES TO
ELIMINATE ANOTHER FAMILY
MEMBER FROM THEIR RESPECTIVE
WILLS.
IN THIS PARTICULAR CASE THE
PERSON THEY WISH TO
ELIMINATE HAPPENS TO BE A
LAWYER, WHO SHALL WE SAY IS
BOTH A CREATIVE PERSON AND
HAS UNLIMITED PAPER
RESOURCES.
AND I WANTED TO KNOW WHAT
PROTECTION, WHAT STEPS THE
FAMILY MIGHT TAKE, KNOWING
THAT THIS WILL BE CONTESTED
AND AT ANY MEANS WILL BE
USED TO CONTEST IT, TO MAKE
THINGS PERHAPS A LITTLE MORE
EASY.
WHETHER OR NOT YOU SEE MORE
THAN ONE LAWYER WITH THE
SAME WILL, DO YOU HAVE IT
NOTARIZED, VIDEOTAPE IT,
WRITE A SEALED LETTER TO THE
JUDGE OF REASONS --

Maureen says MAYBE HAVE A
DOCTOR THERE TO MAKE SURE
THAT YOU'RE OF SOUND MIND.

Ed says THESE ARE ALL GOOD
EXAMPLES.
I THINK THE THING IS THAT
THERE'S FEAR THAT I HEAR.
AND HOW DO WE MAKE A WILL
BULLET PROOF, IS REALLY WHAT
YOU'RE TRYING TO ASK.
AND IT'S, IT'S VERY COMPLEX.
I'D SUGGEST A COUPLE OF
THINGS THAT YOU'D WANT TO
CONSIDER.
GETTING THE WILL RE-DONE
ANNUALLY WOULD BE A GOOD
IDEA.
HAVING IT RE-SIGNED.
IS A GOOD WAY OF PUTTING IT.
BECAUSE IF THE WILL IS
CHALLENGED AND AND DEFEATED
THEN THE PRIOR WILL
IMMEDIATELY BECOMES THE LAST
WILL.

Maureen says OH.

Ed says SO IF THIS PERSON IS CUT
OUT, AND I HOPE I'M NOT
GIVING ADVICE HOW TO SET IT
ASIDE IF HE'S WATCHING THE
SHOW, BUT IF THIS PERSON IS
CUT OUT IN A WILL MADE IN
'97 '98 '99 '2000 AND EVERY
YEAR THIS WILL IS RESIGNED
IT SHOULDN'T COST A LOT OF
MONEY IF IT'S IDENTICAL TO
THE PREVIOUS WILL, IT'S A
CHAIN ANNUALLY CONFIRMED
THAT THERE'S AN INTENTION TO
CUT SOMEONE OUT.
THAT'S A TECHNIQUE THAT YOU
MAY TO WANT CONSIDER.
I'M SURE YOUR LAWYERS WILL
HAVE OTHER WAYS OF DOING IT.
WRITING A LETTER TO THE
JUDGE, YOU'VE GOT TO BE VERY
CAREFUL.
YOU CAN EXPRESS THINGS THAT
ARE INAPPROPRIATE, EXPRESS
THINGS THAT CAN LEAD TO A
CHALLENGE BECAUSE YOU CAN
EXPRESS GROUNDS THAT ARE NOT
TRUE OR A PERSONAL OPINION.
AND SOMEBODY CAN ATTACK A
PERSONAL STATEMENT MADE IN A
LETTER, AND I DON'T THINK
THAT'S THE BEST WAY OF DOING
IT.
AS MAUREEN HAS SAID, HAVING
THE PERSON'S TESTAMENTARY
CAPACITY CONFIRMED IS
IMPORTANT.
HAVING A CERTIFICATE FROM AN
APPROPRIATE ASSESSOR OR
DOCTOR TO CONFIRM THAT THE
PERSON MAKING THE WILL HAS
CAPACITY IS IMPORTANT.
BUT THERE'S NO SUCH THING
FROM SOMEONE WHO MAY HAVE
THE INTENTION OF CAUSING
PAIN TO KEEP THEM FROM GOING
TO COURT EXCEPT ULTIMATELY
IF THE CASE IS FRIVOLOUS,
THAT A COURT WOULD AWARD
THEM LEGAL COSTS FOR
PURSUING A CLAIM THAT WAS
NOT JUSTIFIED.
AND FOR SOMEONE WHO HAS
INTENTIONS OF DOING THAT, NO
MATTER WHAT HAPPENS, IT'S
REALLY HARD TO KEEP YOURSELF
OUT OF THAT KIND OF A
SITUATION.
UNFORTUNATELY, THAT SOUNDS
NOT VERY POSITIVE, BUT I
THINK THERE ARE A LOT OF
POSITIVE STEPS THAT YOU AND
YOUR LAWYERS CAN TAKE TO
REASSURE YOU.

Maureen says RIGHT.
ALL RIGHT.
WE'LL HAVE TO LEAVE IT THERE,
NICOLE.
THANKS FOR THE QUESTION.
ED, THANKS FOR BEING HERE
TODAY.
ED OLKEVICH IS A TORONTO
LAWYER AND AUTHOR OF “THE
IDIOT'S GUIDE TO ESTATE
PLANNING” AND COPIES OF THE
BOOK GOING OUT TO JERRY IN
BRAMPTON, ANNE IN CHATHAM,
CLAUDIA IN TORONTO, MARY IN
DELHI AND JOYCE IN
PETAWAWA.
CONGRATULATIONS.
FOR MORE INFORMATION,
CHECK OUT ED’S WEBSITE:
WWW.MRWILLS.COM
AND FOR A PERSONAL POWER OF
ATTORNEY FORM ONLINE GO TO
THE GOVERNMENT OF ONTARIO
WEBSITE AT WWW.ATTORNEYGENERAL.JUS.GOV.ON.CA
THAT’S ALL THE TIME WE HAVE
FOR “MORE TO LIFE” TODAY.
THANK YOU FOR WATCHING. TUNE IN AGAIN
MONDAY THROUGH FRIDAY, 1 O’CLOCK.

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Watch: Living Wills