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Author Ann Douglas turns her attention to the challenges women face at midlife in her latest book

Now that her kids have grown up and left home, renowned parenting expert and author Ann Douglas has turned her attention to something that 68 million women in North America are also facing: navigating the challenges of midlife. The former long-time Peterborough resident's new book 'Navigating the Messy Middle: A Fiercely Honest and Wildly Encouraging Guide for Midlife Women' comes out on October 1, 2022. (Photos courtesy of Douglas & McIntyre)

Now that her kids have grown up and left home, renowned parenting expert and author Ann Douglas has turned her attention to something that 68 million women in North America are also facing: navigating the challenges of midlife.

In her new book Navigating the Messy Middle: A Fiercely Honest and Wildly Encouraging Guide for Midlife Women, which comes out on Saturday (October 1), Douglas has written what is described as “a fierce and unapologetic book” for and about midlife women in their 40s to mid-60s, pushing back against the toxic narrative that tells them their “best-before date” has long passed.

The former long-time Peterborough resident — Douglas and her husband currently live in Hastings Highlands — was inducted to Peterborough’s Pathway of Fame in 2020. She has written 25 non-fiction books, including the “Mother of All Books” parenting series which has sold over half a million copies in North America to date, as well as more than 1,000 pregnancy and parenting articles for respected publications including Canadian Family, whose former editor-in-chief praised her as “Canada’s most trusted parenting writer.”

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Many early readers of Douglas’s parenting books and articles, who are now either approaching or in midlife, will appreciate her practical, evidence-based strategies for thriving at midlife — or, as she calls it, “the messy middle.”

“It’s a time in our lives when our roles and responsibilities are changing and we’re trying to connect the dots between past, present, and future — to figure out who we’ve been, who we are, and who we hope to become,” Douglas says. “At the same time, we’re being faced with all kinds of confusing messages about what it means to be at midlife. ‘Midlife is magical!’ ‘Midlife is miserable!’ What we eventually figure out is that it’s actually a little of both. The truth is somewhere in the middle — the messy middle.”

For her book, Douglas interviewed well over 100 women of different backgrounds and identities and shares their diverse conversations about the complex and intertwined issues that women must grapple with at midlife, including family responsibilities, career pivots, health concerns, and building community.

Seven myths and misconceptions about midlife covered in Ann Douglas's new book "Navigating the Messy Middle: A Fiercely Honest and Wildly Encouraging Guide for Midlife Women". (Graphic courtesy of  Douglas & McIntyre)
Seven myths and misconceptions about midlife covered in Ann Douglas’s new book “Navigating the Messy Middle: A Fiercely Honest and Wildly Encouraging Guide for Midlife Women”. (Graphic courtesy of Douglas & McIntyre)

“We talked about our hopes and dreams and our worries and regrets, plus our ongoing struggles, big and small, to make sense of this middle chapter of our lives — a time when our bodies, lives, and relationships tend to be in flux,” Douglas says. “We acknowledged our feelings of exhaustion and of being overwhelmed — the fact that midlife is a time of life when we tend to be carrying an exceptionally heavy load and when we’re relied upon by an awful lot of people.”

As a stage of life, Douglas notes, midlife has been poorly researched compared to other stages of life. Most research that has been done has focused on the concept of the “midlife crisis” as it applies to men.

“Often midlife executive men in particular,” Douglas explains. “And when scholars remembered to focus their research on women, the women that they studied were almost always white, middle-class heterosexual women. Social and political identities like race, class, gender, sexual identity and age intersect with one another in a way that amplifies both inequality and privilege. In other
words, midlife isn’t experienced the same way by all women.”

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For her book, Douglas made a point of deliberately seeking out the stories of women whose lives and experiences have been very different from her own. As she writes in the introduction to her book:

I knew that if I wanted to do justice to a book like this, I needed to get inside the heads of a whole bunch of different women (and by that I mean any queer, non-binary, two-spirit, transgender or cisgender person who identifies as, or feels some affinity with, the role of ‘woman’ as defined in Western culture right now). Sure, I’m a woman at midlife, but I’m only one woman at midlife — and a relatively privileged one at that.

Organized in three parts, Navigating the Messy Middle covers a wide range of topics, from health and relationships to career and finances, with chapter titles including “Midlife Expectations,” “The Truth about Menopause,” “Midlife Mental Health,” “Your Body at Midlife,” “Midlife Epiphanies and Curveballs,” “Family Matters,” and more.

For all the messiness of midlife, Douglas says it has been “my very favourite life stage.”

“By the time you arrive at midlife, you have a lot of living under your belt. You know yourself so much better than you did when you were younger, and you’ve learned to be kinder to yourself. That makes life so much better and easier. Or at least, that’s been my experience.”

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As the title implies, Navigating the Messy Middle looks beyond easy self-help answers and simple negative stereotypes to offer women the tools they need to chart their own special course through midlife.

“We need stories that honour our own unique journeys, that celebrate all the learning and growth that happens at midlife, and that highlight the importance of journeying through midlife with others,” Douglas says. “I’m really hoping that this book will help to spark a lot of really important conversations between midlife women.”

Navigating the Messy Middle: A Fiercely Honest and Wildly Encouraging Guide for Midlife Women is published by Douglas & McIntyre. It will be available October 1, 2022 as a paperback at independent booksellers across the Kawarthas as well as online and as an ebook.

For more information about Ann Douglas, visit www.anndouglas.ca.

National Day for Truth and Reconciliation 2022 events in the greater Kawarthas region

Children's shoes, toys, and offerings on the steps of Peterborough City Hall in June 2021, part of a community memorial created in response to the discovery of the remains of 215 Indigenous children buried at the former Kamloops Indian Residential School in British Columbia. As well as remembering and honouring those lost to residential schools and the thousands of survivors, National Day for Truth and Reconciliation is a day for Canadians to educate themselves about the heritage, culture, stories, and experiences of First Nations, Inuit, and Métis peoples. (Photo: Bruce Head / kawarthaNOW)

This Friday (September 30) is the second annual National Day for Truth and Reconciliation, intended to remember and honour the lost Indigenous children and survivors of Canada’s residential school system as well as their families and communities. The day will be recognized with events in both Indigenous and settler communities throughout the greater Kawarthas region

The Canadian government established National Day for Truth and Reconciliation in June 2021, in response to the Call to Action #80 from the 2015 final report of the Truth and Reconciliation Commission. As well as remembering and honouring those lost to residential schools and the thousands of survivors, National Day for Truth and Reconciliation is a day for Canadians to educate themselves about the heritage, culture, stories, and experiences of First Nations, Inuit, and Métis peoples.

September 30th is also Orange Shirt Day, when Canadians are encouraged to wear orange to raise awareness of the tragic legacy of Canada’s residential school system. The date of September 30 was chosen for Orange Shirt Day because it is the time of year when Indigenous children were taken from their homes to residential schools.

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In the greater Kawarthas region, National Day for Truth and Reconciliation and Orange Shirt Day on Friday will be marked with various events in both Indigenous and settler communities. Highlights of some of the events are listed below.

Curve Lake First Nation is hosting an event at Lime Kiln Park with a sunrise ceremony at 6 a.m. and an “Every Child Matters Walk” at 10:30 a.m. beginning and ending at the Curve Lake Community Centre, followed by lunch at 11:30 a.m. Social drumming and dance will take place from 1 to 4 p.m., followed by a pizza dinner at the community centre at 4:30 p.m. Professor Jackson Pind will speak at 5 p.m., with a ceremony to honour survivors following at 6 p.m. and an open mic night at 7 p.m. Participants are encouraged to wear their Orange Shirts.

Hiawatha First Nation is hosting a plaque unveiling and a community dinner to honour their citizens who attended a residential school. The event, which takes place from 4:30 to 7:30 p.m. at The Gathering Space at 431 Hiawatha Line, includes an opening prayer and smudge, an honour song by Michi Saagiig Manomin, remarks from Chief Laurie Carr and other invited guests, a commemorative plaque unveiling, and a catered dinner with traditional foods. Those attending are encouraged to wear their Orange Shirts.

Alderville First Nation is hosting a walk beginning at noon on Friday, from Alderville’s health services building to the community centre.

The National Centre for Truth and Reconciliation at the University of Manitoba in Winnipeg unveiled a Survivors' Flag to mark the first official National Day of Truth and Reconciliation on September 30, 2021. The flag was developed in collaboration with residential school survivors from Inuit, Mi'kmaq, Atikamekw, Cree, Ojibway, Dakota, Mohawk, Dene, Nuu-chah-nulth, Secwepemc, and Métis communities. (Photo: National Centre for Truth and Reconciliation)
The National Centre for Truth and Reconciliation at the University of Manitoba in Winnipeg unveiled a Survivors’ Flag to mark the first official National Day of Truth and Reconciliation on September 30, 2021. The flag was developed in collaboration with residential school survivors from Inuit, Mi’kmaq, Atikamekw, Cree, Ojibway, Dakota, Mohawk, Dene, Nuu-chah-nulth, Secwepemc, and Métis communities. (Photo: National Centre for Truth and Reconciliation)

Trent University is hosting a number of in-person events including a Sunrise Ceremony at 6 a.m. at Mnidoowag A’Kiing Traditional Area, a Heart Garden Reflection from 9 a.m. to 4 p.m. at Kerr House at Traill College, Settlers Taking Action and Responsibility from 10 a.m. to 2 p.m. at the Bata Library Podium, Three Sisters Community Lunch at 12 p.m. at Gzowski College, a Community Sacred Fire from 12 to 4 p.m. at the Champlain College Fire Pit with a moment of silence at 2:15 p.m., “Truth Before Reconciliation: Indian Residential and Day School Histories” by Professor Jackson Pind at 3 p.m. at First Peoples Gathering Space, a Round Dance at 4:30 p.m. at the Bata Library Podium, and “One of that Witchcraft Dancing” reading and talk by residential school survivor and Elder Shirley Ida Williams and a “Returning Home” film screening at 7 p.m. at Nozhem First Peoples Performance Space.

Fleming College is holding events at all three of its campuses in Peterborough, Lindsay, and Haliburton. Events include a reading of “Phyllis’s Orange Shirt,” a reading and talk with Indigenous poet and City of Peterborough poet laureate Sarah Lewis (at the Sutherland and Frost campuses), remarks by Indigenous artist Rick Beaver (at the Frost campus), and a screening of “The Secret Path: The Chanie Wenjack Story.” The Sutherland Campus will also include a “Living Library” featuring Indigenous Fleming alumni and local Indigenous community members. Students, staff, and faculty will be encouraged to decorate rocks which will line walking paths at each campus, with decorated rocks to be placed during an Orange Shirt Walk at each campus in the afternoon. Nish Tees will be set up at each campus selling Orange Shirts.

In Peterborough, local singer-songwriters will be performing at an event to raise awareness and conversation as well as funds for an Indigenous-led culture-based private school in Nogojiwanong-Peterborough. The event takes place Friday from 7 to 10 p.m. at Crook & Coffer at 231 Hunter Street West in downtown Peterborough. Admission is a $10 donation or pay what you can. Local musicians include Craig MacEachern from Acoustically Hip, Jacques Graveline from Black Knight Satellite, and Samara Johnson.

A live music event at Crook & Coffer in Nogojiwanong-Peterborough on September 30, 2022 will raise funds for Sage and Sunshine, an Indigenous-led private school owned and operated by Ashley Wynne that provides urban Indigenous children with a safe learning environment to experience individualized learning plans that represent unique academic goals. Pictured is  Wynne's eight-year-old son learning about the four medicines in Anishinaabemowin, the Ojibwe language. (Poster courtesy of Wanda Prince / Photo courtesy of Ashley Wynne)
A live music event at Crook & Coffer in Nogojiwanong-Peterborough on September 30, 2022 will raise funds for Sage and Sunshine, an Indigenous-led private school owned and operated by Ashley Wynne that provides urban Indigenous children with a safe learning environment to experience individualized learning plans that represent unique academic goals. Pictured is Wynne’s eight-year-old son learning about the four medicines in Anishinaabemowin, the Ojibwe language. (Poster courtesy of Wanda Prince / Photo courtesy of Ashley Wynne)

Proceeds from the event will support Sage and Sunshine, the area’s only school providing full-day Indigenous culture-based education for Indigenous students. Owned and operated by Ashley Wynne, an Anishinaabe mother of four and an early childhood educator, the school serve families with children aged four to 10. For those who are unable to attend the event, or who wish to provide additional support, the organizers encourage a donation to the Downie & Wenjack Fund at downiewenjack.ca.

Also in Peterborough, Hutchison House is hosting a special reception on Friday from 7 to 9 p.m. to unveil its new Land Acknowledgement plaque with original artwork by local artist Fred Taylor of Curve Lake First Nation. Light refreshments will be served as Taylor shares his story as a residential school survivor and how he uses his art to heal from the anger and hurt he felt from the Mohawk Institute. While admission to the reception is free, reservations are required by calling the museum office at 705-743-9710 as seating is limited.

In Port Hope, the Dibaajimowin Cultural Centre is presenting an event at 3 p.m. at Port Hope Memorial Park that includes the sharing of Indigenous culture through stories, dance, and ceremony and a sacred fire. Please note that Port Hope Fire and Emergency Services has granted special permission to allow for a fire to take place in Memorial Park. Out of respect for the residential school survivors and the children who never made it home, participants are encouraged to wear an Orange Shirt.

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In Cobourg, Dr. David MacDonald, author of The Sleeping Giant Awakens, will present on the topic “The TRC Seven Years Later: Settlers and Conciliation with Indigenous Peoples” at 7:30 p.m. on Thursday (September 29) at the Concert Hall at Victoria Hall. On Friday, a Sharing Circle will be located at Rotary Habourfront Park from 9 a.m. to 4:30 p.m. on Friday, featuring prompts located around the fountain to promote critical thinking about past and current issues and foster healthy conversations to have with friends, family, and other people you meet at the circle. The event takes place near the Indigenous ‘Seven Feathers’ Crosswalk on Albert Street at Second Street, which features seven feathers representing the seven grandfather teachings of the Anishinaabe people: love, respect, courage, honesty, humility, truth, and wisdom.

Also on Friday in Cobourg, Northumberland Christian School, Church on the Hill, Northumberland Youth Unlimited, and Grace Christian Reformed Church will host an all-ages gathering at 1 p.m. at the Victoria Park Bandshell featuring Jonathan Maracle, Mohawk/Scot musician and founder of Broken Walls.

In Bobcaygeon, the settler group Truth and Reconciliation Community Bobcaygeon is celebrating First Peoples on Friday from 5 to 6 p.m. at the grounds of the Boyd Museum Gallery and the Bobcaygeon Library featuring artist David Beaucage Johnson and Peterborough’s poet laureate Sarah Lewis from Curve Lake First Nation.

The Cornish family of Indian River Acres is Peterborough County’s Farm Family of the Year

The Cornish family of Indian River Acres (Kevin Cornish and Janet Dawson and their sons Liam and Lucas) are the Peterborough County Federation of Agriculture's 2022 Farm Family of the Year. (Photo courtesy of Cornish family)

The Peterborough County Federation of Agriculture and Peterborough and the Kawarthas Chamber of Commerce have announced the Cornish family of Indian River Acres is the 2022 Farm Family of the Year.

The annual award recognizes a farm family that has demonstrated good farming practices, an interest in the farming community, and interest and participation by the family in the farm’s operation.

Owned and operated by Indian River natives Kevin Cornish and Janet Dawson, Indian River Acres is a 93-acre farm located at 2275 Indian River Line where the family grows and sells fresh vegetables and fall décor items.

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The farm was previously a dairy and beef and show cattle farm known as Almar Acres, owned and operated by Dawson’s parents, Marg and Allan. Dawson grew up on the farm and was very involved in the beef operation. When her parents decided to retire, Janet and Kevin purchased the farm in 2010 with a vision for a vegetable farm.

Each year, the Cornish family grows 12 acres of sweet corn, five acres of pumpkins, squash, and gourds, around 15,000 garlic bulbs, and 1.5 acres of other tender vegetables including pickling cucumbers, field cucumbers, beans, asparagus, beets, lettuce, herbs, tomatoes, potatoes, and zucchini. With only the sweet corn and pumpkins planted by machine, everything else is hand planted and hand weeded. All produce, including the sweet corn and pumpkins, is hand harvested.

The farm operation also includes 99 free range egg-layers, and offers eggs to customers who sign up for weekly egg pickup.

Kevin Cornish and Janet Dawson's sons Liam and Lucas are actively involved in all farm activities and, during the pandemic, began growing and selling fresh-cut flowers. (Photo courtesy of Cornish family)
Kevin Cornish and Janet Dawson’s sons Liam and Lucas are actively involved in all farm activities and, during the pandemic, began growing and selling fresh-cut flowers. (Photo courtesy of Cornish family)

Kevin and Janet’s young sons, Liam and Lucas, are actively involved in all farm activities and, during the pandemic, began growing and selling fresh-cut flowers.

Indian River Acres operates on a 12-month sustainable farming cycle that includes crop rotations, cover crops, and selecting varieties that minimize pest and disease.

With the farm open to the public daily from the beginning of July to the end of October, customers can purchase produce from the farm gate stand, through their online farm shop, or from local grocers who purchase their produce wholesale.

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In 2019, the Cornish family won the Peterborough County Agricultural Leadership Award. Kevin and Janet are active community volunteers, and donate a sizable portion of their harvest to local food banks and Kawartha Food Share.

The Farm Family of the Year award will be presented to the family at the Peterborough Business Excellence Awards event at Showplace Performance Centre on Wednesday, October 19th.

For more information about Indian River Acres, visit indianriveracres.ca.

Celebrate apples and the fall harvest season at Lang Pioneer Village Museum in Keene on October 2

There will be lots of apples (including a pie-eating contest) during Applefest at Lang Pioneer Village Museum in Keene on October 2, 2022, as well as historic demonstrations, military drill and marching demonstrations, horse-drawn wagon rides, live music, and activities for the kids. (Photo: Larry Keeley)

You can celebrate apples and the fall harvest season when Applefest returns to Lang Pioneer Village Museum in Keene from 10 a.m. to 4 p.m. on Sunday, October 2nd.

As well as finding out how 19th-century settlers preserved the fall harvest and prepared for the arrival of winter, you can enjoy a wide variety of family-friendly activities and, of course, apples.

Along with horse-drawn wagon rides, the event will feature historic demonstrations throughout the village including spinning, rug hooking with the Northumberland Rug Hookers Guild, natural dyeing, chair caning, flour grinding at the Lang Grist Mill, cider pressing at the Cider Mill, threshing at the Horse Barn (morning only), and an antique clock and timepiece display brought by the Quinte Timekeepers.

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At the Ayotte Cabin, historic reenactors the 41st Battalion of Brockville Rifles 1st Company will be performing military drills and marching. Live traditional music will be performed by Lotus & Luke on the Weaver Shop Porch, along with the Cheryl Casselman Trio at the Agricultural Barn and Rob Cory in the Hotel Bar Room.

For the kids, there will be a scavenger hunt, old-fashioned schoolyard games at the South Lake School, apple-themed craft making on the Village Green, and the chance to visit with the lambs.

Applefest wouldn’t be Applefest without apples, and you can enjoy hot or cold apple cider and freshly baked apple treats from the Keene Hotel, with bushels of apples and fresh apple cider available for sale. You can also indulge your sweet tooth with candy apples at the Cider Mill.

Historic reenactors the 41st Battalion of Brockville Rifles 1st Company will be performing military drills and marching during Applefest at Lang Pioneer Village Museum in Keene on October 2, 2022.  (Photo: Dawn Knudsen)
Historic reenactors the 41st Battalion of Brockville Rifles 1st Company will be performing military drills and marching during Applefest at Lang Pioneer Village Museum in Keene on October 2, 2022. (Photo: Dawn Knudsen)

Dedicated apple fans can enter the apple pie-eating contest at 2 p.m. on the Village Green, where participants are challenged to eat an apple pie the fastest — but without using their hands.

There will also be other food available for sale, including chili and buns at the Peterborough County Agricultural Heritage Building, kettle corn and candy floss from Ben’s Kettle Corn, and fresh Empire Cheese curd and bread in the Cheese Factory.

Admission to Applefest is $15 for adults, $10 for students and seniors 60 and older, $7 for youth aged five to 14, and free for children under five. Family admission is also available for $40 (for two adults and up to four youth ages five to 14). You can purchase tickets in advance from the museum’s online shop, but advance tickets are not required.

Fourcast releases ‘community impact report’ on Peterborough’s CTS site

Peterborough's Consumption and Treatment Services (CTS) site is located at 220 Simcoe Street in downtown Peterborough, the renovated site of the former Greyhound Bus Terminal. (Photo: Bruce Head / kawarthaNOW)

Fourcast and the community partners involved in Peterborough’s Consumption and Treatment Services (CTS) site at 220 Simcoe Street have released a “community impact report” providing an update on the site’s first three months of operation.

The CTS site provides a safe and clean space for people to consume pre-obtained drugs — the CTS site does not provide drugs — under the supervision of health professionals, with staff always on hand to respond to medical emergencies. Along with host agency Fourcast, the other community partners for the CTS are PARN, Peterborough County-City Paramedics, and the Peterborough 360 Degree Nurse Practitioner-Led Clinic, with on-site services provided by PARN Harm Reduction Works and the Mobile Support Overdose Response Team (MSORT).

Service users are also provided with sterile consumption supplies, education on safer consumption practices, basic medical services, and referrals to drug treatment, housing, and other social services.

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Since opening on June 13, Peterborough’s CTS site has had 149 unique registered users. In July, there were 31 average daily visits, with 91 per cent of users between the ages of 20 and 49, with 48 per cent using the synthetic opioid fentanyl.

The number of visits to the CTS site has increased significantly since its opening, with 151 visits in June, 489 in July, and 944 in August, for a total of 1,584 visits.

During July, there were nine overdose incidents at the CTS, with no deaths.

Representatives of the partner agencies for Peterborough's Consumption and Treatment Services (CTS) site at 220 Simcoe Street in downtown Peterborough. Front row: Safer Supply Program supervisor Carolyn King, Fourcast executive director Donna Rogers (seated), Peterborough 360 Degree Nurse Practitioner-Led Clinic clinical director Kelly Pensom. Back row: PARN interim executive director Dane Record, Peterborough City-County Paramedics commander Craig Jones, CTS program manager Kerri Kightley, and Peterborough medical officer of health Dr. Thomas Piggott. (Photo: Jeannine Taylor / kawarthaNOW)
Representatives of the partner agencies for Peterborough’s Consumption and Treatment Services (CTS) site at 220 Simcoe Street in downtown Peterborough. Front row: Safer Supply Program supervisor Carolyn King, Fourcast executive director Donna Rogers (seated), Peterborough 360 Degree Nurse Practitioner-Led Clinic clinical director Kelly Pensom. Back row: PARN interim executive director Dane Record, Peterborough City-County Paramedics commander Craig Jones, CTS program manager Kerri Kightley, and Peterborough medical officer of health Dr. Thomas Piggott. (Photo: Jeannine Taylor / kawarthaNOW)

The community impact report also includes comments from nearby organizations and a business on the positive effect of the CTS site to date.

“I’ve certainly noticed a decline in public use and discarded needles in and around the downtown,” says Terry Guiel, executive director of the Peterborough Downtown Business Improvement Area. “I’ve noticed nothing that could be tied to the site in any negative way. I haven’t received one call or email in association with the CTS site and I’ve noticed a great improvement in the downtown in the last several weeks.”

“I have to admit that there is something that has changed and I believe I can attribute a good portion of that to the CTS site,” he adds. “It certainly has not had any of the overdramatic issues that some people thought would occur. It’s good to see these early signs that it is having a positive impact.”

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“From Wild Rock’s perspective, the biggest tangible change that our staff have seen is that our back parking lot is cleaner,” says Tori Silvera, general manager of Wild Rock Outfitters. “We’ve found less than ten needles since the end of June. This is a huge reduction as compared to pre-CTS. It means our staff don’t have to put themselves at risk and pick them up … It’s gratifying to know that
the CTS is working.

“Since the CTS opened, we’ve noticed a big drop in drug-related emergencies in and around the library,” says Mark Stewart, library services manager with the Peterborough Public Library. “Prior to the opening of the CTS, drug poisonings were a common occurrence at the library, now they happen rarely. The library staff is in strong support of the CTS and is grateful to have this community resource close by.”

“Some transit staff have noticed a quicker response time to suspected overdoses in the terminal/parking garage areas that may be the result of the clinic having a paramedic on site,” says Laurie Stratton, transit manager with the City of Peterborough.

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“When someone is outside our office and non-responsive, our staff have been able to visit the CTS and ask for help with the situation,” says Tegan Moss, executive director of Peterborough GreenUP. “This has happened three times and there’s always been a prompt and helpful response. While the CTS staff made it clear that when they are busy they may not be able to help, so far they have been able to resolve our issues effectively and provide support to people who are struggling. Since the CTS opened, our staff now know where to go for help and we have not had to call the police, which is new.”

A copy of the Community Impact Report is provided below.

PDF: Community Impact Report CTS – Sept 2022
Community Impact Report CTS Sept 2022

McInroy & Associates Private Wealth Management helps clients navigate their retirement journey

With people working for multiple employers during their careers, having the option for early retirement, and living longer past retirement, retirement planning has become much more complicated than in the past. Adam McInroy and his team at McInroy & Associates Private Wealth Management in Bobcaygeon help their clients navigate their retirement journey. (Stock photo)

When it comes to retirement planning, it’s a far different world than the one your grandparents or even your parents faced.

“The whole framework of retirement has really shifted over the last 100 years,” says Adam McInroy CFP, CLU, Executive Financial Consultant with Bobcaygeon-based McInroy and Associates Private Wealth Management.

“In the early 1900s, the average life expectancy was just 47 years old,” Adam notes. “If you worked until age 65, you were very fortunate to be in good health. Most people didn’t live that long, and if you did retire, you would be lucky to have a few years of lifespan left.”

“Our longevity has shifted, and it became standard that part of an employee’s compensation package encompassed a pension plan, with the idea being ‘I’ve given my life and sacrificed for this company. The company will take care of me, both while I’m working with them and when I leave.”

Retirement planning has become more complicated than with previous generations, partly because people now tend to work for multiple employers during their careers. (Stock photo)
Retirement planning has become more complicated than with previous generations, partly because people now tend to work for multiple employers during their careers. (Stock photo)

There has also been another big shift — this one on the part of employees — those factors into the current retirement picture.

“Employees generally don’t stay with the same company their entire career,'” says Adam. “People are more apt to move around. It’s not uncommon that we see employees work for multiple employers year over year. By the time they retire, it’s not abnormal to have had five or six or 10 different employers.”

“With each employer, you’re probably not getting the retirement savings options. As a result, it’s really becoming more and more important for the employee to know what they have as far as their employers providing for them, and what that means to them in the bigger picture.”

As an initial step of retirement planning, Adam and his team at McInroy and Associates Private Wealth Management strive to help clients identify what he describes as “puzzle pieces” — the different components of a client’s employment history that fit together to create their retirement picture.

“If you’re leaving pieces of your retirement behind and you have no idea what it all means, you will retire at age 60 or 65 with these pieces scattered throughout your career, and you’ll be trying to figure out ‘What do I have here? What does this all mean?’ It’s very easy and common to become overwhelmed.”

“For example, if you left an employer 20 years ago, you need to know what’s happened with that piece of your retirement picture — whether it’s a group registered retirement savings plan, a deferred profit-sharing plan, a defined contribution pension plan, or a defined benefit pension plan. Unless you’ve stayed on top of it, you probably don’t know.”

Adam McInroy at work in his office at McInroy & Associates Private Wealth Management in Bobcaygeon.  Adam and his team take their time to understand a client's retirement picture before presenting the possible options that are in the best interest of the client. (Photo: McInroy & Associates Private Wealth Management)
Adam McInroy at work in his office at McInroy & Associates Private Wealth Management in Bobcaygeon. Adam and his team take their time to understand a client’s retirement picture before presenting the possible options that are in the best interest of the client. (Photo: McInroy & Associates Private Wealth Management)

Adam notes employees who are members of a defined benefit pension plan have a huge decision to make when leaving their employer, usually with three available options.

One option is to take the defined benefit pension and commence payments on a date allowed by the plan, usually somewhere between ages 55 and 65.

If the employer’s plan permits it, a second option is to transfer the pension’s commuted value to another registered pension plan.

And a third option is to transfer the pension’s commuted value to a locked-in account, where the commuted value of a defined benefit pension plan represents the present value of the lifetime pension payments as calculated under the plan’s benefit formula.

The commuted value typically comprises an amount that can be transferred to a locked-in account on a tax-deferred basis, with an excess amount that is subject to immediate taxation.

“Every pension plan is different but, generally speaking, those are the three options that most employees would have when leaving an employer,” Adam explains.

“It all depends on what age they’re leaving, what their tenure with the employer is, and how much investment has been made in that pension plan. There are a lot of different factors that are going to result in what options you have if you’re leaving an employer with a pension plan.”

“Every year, an employer’s pension plan is required to give employees an estimate of what that pension plan looks like at a normal retirement date and at an early retirement date,” Adam adds. “We can plug that into their retirement plan so they can see what happens if they retire at 55 or what happens if they retire later. If we don’t factor that into their plan, we’re missing a massive piece.”

As an initial step of retirement planning, Adam McInroy and his team at McInroy and Associates Private Wealth Management strive to help clients identify what he describes as "puzzle pieces": the different components of a client's employment history that fit together to create their retirement picture. (Stock photo)
As an initial step of retirement planning, Adam McInroy and his team at McInroy and Associates Private Wealth Management strive to help clients identify what he describes as “puzzle pieces”: the different components of a client’s employment history that fit together to create their retirement picture. (Stock photo)

All three options, say Adam, have benefits and risks.

“With the commuted value to a locked-in account option, you have flexibility of income, you have the choice of investments, and you certainly have control,” he notes. “However, you need to recognize you are taking on the investment risk. You are taking on a longevity risk. And you’re taking on the behaviour risk that you’ll see the money invested and begin overspending.”

“Everything we do, before we even present to a client, is to run through compliance who validates assumptions are realistic, that they are conservative, and that the information being laid out. Is this truly in the best interest of the client? Generally, there’s a series of two to three meetings before we get to that conclusion, because we want to make sure we’re taking our time and asking the right questions. The more dialogue that’s happening, the better we can plan for the life financial journey event that’s about to take place.”

Adam says the income tax impact of each choice is an important factor that must be considered, asking “How much tax are you going to pay because of the choices you’re making or not making?”

He also points out that, if a client has opted to commute the value of their pension plan to a locked-in account, “there’s no turning back.”

“It’s a massive decision. It’s potentially determining a significant portion of your retirement income for the next 20 to 40 years. That’s not a decision you want to rush into.”

“What works for one person may not work for someone else, simply because they may have a need for a different income level, have a different family situation or have desires for retirement that are unique. Their comfort with market volatility may be completely different. They may have children they want to leave assets to. There are so many different factors in determining whether or not it is the right choice.”

McInroy & Associates Private Wealth Management is located at 21 King Street West in Bobcaygeon. For more information, visit www.mcinroypwm.com. (Photo: McInroy & Associates Private Wealth Management)
McInroy & Associates Private Wealth Management is located at 21 King Street West in Bobcaygeon. For more information, visit www.mcinroypwm.com. (Photo: McInroy & Associates Private Wealth Management)

When meeting with a client for the first time, Adam asks one simple but important question: “Describe to me what your retirement looks like to you?”

“The guarantee of a pension plan that helps to replace your paycheque with can be very attractive as it provides some level of confidence that you’re going to have an income stream for life.”

“But there’s not a one-size-fits-all solution that works for everybody. You really need to understand what’s already in place and how you can complement that. It might be by investing in RRSPs, or it might be by setting up a tax-free savings account. Let’s ask some questions and then figure out what makes the most sense for the client. It all starts with a conversation.”

McInroy & Associates Private Wealth Management is located at 21 King Street West in Bobcaygeon. You can email Adam at adam.mcinroy@igpwm.ca or call 705-748-1950. For more information about McInroy & Associates Private Wealth Management, visit www.mcinroypwm.com.

 

Investors Group Financial Services Inc.

This is a general source of information only. It is not intended to provide personalized tax, legal or investment advice, and is not intended as a solicitation to purchase securities. Adam McInroy is solely responsible for its content. For more information on this topic or any other financial matter, please contact McInroy & Associates Private Wealth Management.

 

This is one of a series of branded editorials created in partnership with McInroy & Associates Private Wealth Management. If your business or organization is interested in a branded editorial, contact us.

Police arrest two suspects and seek third in July homicide of Shawn Singh of Peterborough

A Canada-wide warrant has been issued for the arrest of 34-year-old Eduardo Tito Silva of Barrie in connection with the July 2, 2022 homicide of Shawn Singh of Peterborough. (Police-supplied photo)

Police have arrested two suspects and have issued a Canada-wide warrant for a third suspect in connection with the July 2022 homicide of Shawn Singh of Peterborough.

On July 2, police were called to the Park Street North and Sherbrooke Street area in Peterborough following reports that a person had been shot. After arriving, officers located a 37-year-old male victim and administered CPR. The victim was transported to Peterborough Regional Health Centre where he succumbed to his injuries. Police later identified the victim as Shawn Singh of Peterborough.

On Monday (September 26), police announced two suspects have been arrested and charged in connection with Singh’s death.

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During the execution of a search warrant on September 8, 35-year-old Rebecca Silva of Toronto was arrested and charged with manslaughter with a firearm and accessory after the fact to murder. The accused was held in custody and appeared in court on September 8.

During the execution of a search warrant on September 9, 27-year-old Jack Monine of Peterborough was arrested and charged with second degree murder, accessory after the fact to murder, and failure to comply with probation. The accused was held in custody and appeared in court on September 10.

Police continue to search for 34-year-old Eduardo Tito Silva of Barrie on a Canada-wide warrant in connection with Singh’s homicide.

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“The safety of the residents in our community is the number one priority of the Peterborough Police Service and we understand that safety is also a concern in our community,” Peterborough police state in a media release. “This has been a very active investigation for Peterborough Police over the past number of months and we thank the public for their patience over the course of the investigation.”

Anyone with information is asked to call Peterborough Police Service’s crime line at 705-876-1122 x555. If you prefer to remain anonymous, you can call Crime Stoppers 1-800-222-TIPS (8477) or submit a tip online at stopcrimehere.ca.

FLATO Developments Inc. donates $3 million to Ross Memorial Hospital in Lindsay

FLATO Developments Inc. owner and CEO Shakir Rehmatullah (middle) with Ross Memorial Hospital board chair Wanda Percival and Ross Memorial Hospital Foundation board campaign chair Tim Shauf at Ross Memorial Hospital in Lindsay on September 26, 2022 during the announcement of a $3 million donation from FLATO Developments Inc. to the hospital. In recognition of the historic donation, the hospital has named its ambulatory care centre the FLATO Developments Ambulatory Care Centre. (Photo courtesy of Ross Memorial Hospital Foundation)

FLATO Developments Inc. has donated $3 million to the Ross Memorial Hospital in Lindsay, the largest donation in the hospital’s history.

The Ross Memorial Hospital Foundation and FLATO Developments made the announcement at the hospital on Monday (September 26). The donation will support the digital transformation of patient care and enhancement of services at Ross Memorial Hospital.

“A hospital is fundamental to any community, and we want to ensure that the people who live in this community have access to the right equipment and facilities to deliver the best care,” said Shakir Rehmatullah, FLATO Developments Inc. owner and CEO, in a media release from the hospital foundation. “We are proud to be supporting Ross Memorial Hospital in that mission.”

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“Supporting healthcare is close to my heart,” Rehmatullah added. “I lost my father to cancer and it’s his legacy and example that I keep in mind when it comes to giving back to the community. I am deeply committed to supporting a healthy and thriving community in the Kawartha Lakes.”

According to the media release, Ross Memorial Hospital is modernizing the delivery of care through new technologies and advances in medicine resulting in faster and safer diagnosis and treatment. Digital transformation includes all new patient care equipment, including a new CT scanner and MRI, which will be digitally connected to provide world-class imaging and up-to-the-minute clinical information where and when the patient needs it.

“This historic investment will greatly benefit our community hospital by supporting advancements in connectivity and services that will help ensure we deliver the highest quality of care to all of our patients,” said Ross Memorial Hospital and CEO Kelly Isfan. “Ross Memorial is thrilled to celebrate this record donation for our hospital with our newly named FLATO Developments Ambulatory Care Centre.”

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Launched in 2005 and based in Markham, FLATO Developments Inc. develops housing projects across southern Ontario, including in Lindsay and Cameron within Kawartha Lakes.

In April, FLATO Developments Inc. donated $1.2 million to Fleming College in Lindsay and, last December, entered into a 15-year $1.375 million sponsorship agreement with the Academy Theatre in Lindsay, which is now called FLATO Academy Theatre Lindsay. The company has also previously made donations to Ross Memorial Hospital.

“Although we’re still in the early stages of our campaign, we were thrilled to learn of Shakir Rehmattulah’s interest in our hospital’s priority needs,” said Tim Shauf, Ross Memorial Hospital Foundation board campaign chair. “Having met with Shakir several times over the last few months, I’ve witnessed how committed he is to growing strong communities and how much he values the availability of high-quality health care.”

Drunk driver hit hydro pole on Sunday, knocking out power to Lakefield area

The driver of this pickup truck collided with a hydro pole just outside Lakefield on September 25, 2022, knocking out power to around 4,000 area residents. (Police-supplied photo)

A drunk driver knocked out power to around 4,000 residents in the Lakefield area after colliding with a hydro pole early Sunday morning (September 25)

At around 3:30 a.m. on Sunday, Peterborough County OPP responded to a complaint that a pickup truck on Lakefield Road had left the roadway and struck a hydro pole. The complainant also reported they observed the driver fleeing the scene on foot.

Police located the driver at a nearby grocery store and determined he was under the influence of alcohol. Daniel Kay, 26, of Wilberforce was arrested and charged with operation while impaired (blood alcohol concentration 80 plus), operation while impaired (alcohol), and fail to remain.

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The accused man had his driver’s licence suspended for 90 days and his vehicle impounded for seven days. He is scheduled to appear before the Ontario Court of Justice in Peterborough on November 2.

No injuries were reported at the time of the collision. However, the area was without power for around eight hours while Hydro One crews repaired the damaged pole.

Police are reminding motorists to plan ahead when consuming alcohol. Use a designated driver, cab, public transit, or stay overnight. Any amount of alcohol or drugs can impact your ability to make sound judgments.

Stranded boaters can proceed through Kirkfield Lift Lock beginning September 26

Ontario Waterway Cruises' Kawartha Voyageur was proceeding through the Kirkfield Lift Lock on September 2, 2022 when the lock experienced a mechanical failure. The lock, which has been closed since then, will reopen on September 26 for limited, single-chamber lockages for vessels returning to their home ports that cannot be trailered. (Photo: Ontario Waterway Cruises / Facebook)

Boaters with vessels that cannot be trailered and who have been unable to return to their home port because of the closure of the Kirkfield Lift Lock on the Trent-Severn Waterway will be able to proceed through the lock beginning on Monday (September 26).

Located a few kilometres north of the Village of Kirkfield, the Kirkfield Lift Lock suffered a severe mechanical failure on September 2 that resulted in the closure of the lock. Since then, Parks Canada has been working on the site to allow for the passage of vessels to their home ports.

“After multiple inspections by qualified consultants on the superstructure and mechanical components, the Lift Lock has been approved to offer limited, single-chamber lockages to vessels returning to their home ports that cannot be trailered,” reads a media release from Parks Canada.

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To proceed through the lock, boaters must email trentsevern@pc.gc.ca and provide their full name, phone number, length and beam of their vessel, their current location, their home port, and any additional special needs such as accessibility issues. Parks Canada will contact boaters via telephone to confirm and provide a lockage date and time.

Delays experienced by boaters will vary depending on the position of the Lift Lock chambers when the boater arrives. Upbound vessels will experience a lockage time of around six hours, while downbound vessels will experience a lockage time of around 30 minutes. Boaters (and pets) will be asked to disembark their vessels while the transfer is underway. Access to washroom facilities and shelter, in the case of inclement weather, will be available.

Boaters are asked to arrive at the lock only on the agreed-upon date and time for lockage and with sufficient provisions for the duration of the vessel’s lockage, as there are no amenities such as restaurants or accomodations within walking distance of the lock. While the parkland around the lock remains closed to the public, boaters can use that space while their vessels are going through the lock.

The Kirkfield Lift Lock is the second highest hydraulic lift lock in the world with a lift of 15 metres. The lock is situated at the highest point along the Trent-Severn Waterway at 256.20 metres (840.5 feet) above sea level.

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