February 1, 2019

Edition 16 Volume 2

In the News

2019 Niagara, Falls, ON, EPIC . Check out the Agenda

REVISED 10th Edition EPC Desk Reference Materials Available Now

Majority of Baby Boomers would Opt for Semi-Retirement if Employers Allowed

72% of Small Business Owners Exiting within 10 Years

Is Your Home Ready to Grow Old with You?

Universal Access to Healthcare: Tackling the Challenges of Seniors with Disabilities

Preventing Falls for this 2019 Winter

The New 2019 CANADA Food Guide

10th Edition EPC Materials Available Soon

Did you Know that CIEPS/EPC is on LinkedIn CIEPS is Looking for Articles for the PULSE Please Keep Your Contact

2019 Elder Planning Issues Conferences (EPIC)

The theme for 2019 is “Holistic Planning for Aging Canadians”

The 2019 National EPIC date for Niagara Falls, ON is June 2, 3, 4, 2019.

The 2019 Regional EPIC locations are Vancouver, BC June 18, 2019 & Edmonton, AB June 19, 2019.

Find out all the information here - 2019 EPIC Registration

Register here - 2019 EPIC Registration . Please enter all your information including how you are going to pay, and you will not be charged until May 2019 for the conferences.

Here are what two attendees had to say about the 2018 conferences…

"The conference was informative and fun too. The presentations were transferable and support resources already inserted into several of our client processes. Result ...Value added! Thank you for a job well done." Richard McKenster CFP, CLU, ChFC, CHS, CEA, EPC - Victoria, BC

“I wanted to tell you what a super, well organized, and very educational conference it was this year… It was well worth the effort to attend this conference…I hope this conference will continue for many years to come…the education you obtain from this conference is so diversified and so top notch with all the great speakers that are contributing to our well

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being and our businesses...keep them coming. Sincerely Dave Franklin CFP, CLU, CHFC, EPC. – Concord, ON

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10th Edition EPC Materials Just Released

The revised 10th edition of the EPC materials are available now for you to update your elder knowledge and provide the best information that you can for your clients, prospects and families.

You will receive the 4 manual 10th Edition Desk Reference Set, the 10th Edition EPC Student Workbook, and the EPC PowerPoints.

They are available for $159 + taxes and includes shipping.

• If you reside in AB, BC, SK, MB, QC, NT, NU or YT, your cost is $166.95, all taxes & shipping included.

• If you reside in ON, your cost is $179.67, all taxes & shipping included.

• If you reside in NS, NB, NL or PE your cost is $182.85, all taxes & shipping included.

You can order them securely here - 10th Edition EPC Desk References

Majority of baby boomers would opt for semi-retirement if employers only allowed…from an article in CBC News, JAN. 28, 2019

Many working baby boomers would stay on the job longer if employers allowed them to shift into semi-retirement — but most workplaces don't provide that option, a new survey suggests.

With unemployment in Canada at record lows and a labour shortage poised to hit critical levels when boomers hang up their hats, semi-retirement could be one way to help manage that crisis.

Since working longer puts more money in people's wallets when they do retire, that increased spending power would benefit the economy as well.

Conducted by The Harris Poll on behalf of staffing agency Express Employment Professionals, the poll found that 76 per cent of Canadian baby

boomers respondents said they'd opt for a flexible work schedule if allowed, while 60 per cent would choose reduced hours with reduced benefits.

The online survey of 500 Canadian workers aged 54 to 72 suggests a disconnect between the willingness of the enormous baby boomer cohort to stick around during the labour shortage, and a lack of options for those who'd like a gradual exit from the workplace.

The survey also found that 56 per cent of respondents said they'd like to transition to a consulting-style role, if given the opportunity.

Yet only 30 per cent of the boomers surveyed said their employer offered any sort of semi-retirement option. Additionally, only 36 per cent said their employers had ever brought a former employee out of retirement.

Teresa Pitman, who works full time as a communications coordinator for Family and Children Services of the Waterloo Region, says she'd welcome a semi-retirement arrangement when she's ready to scale back.

"I would like to be able to work here part time, and I think that I will continue to have something to contribute," she said. "I really like the people here that I work for and that I work with. It would be really good to be able to keep that relationship going … but without it being full time."

Rethinking all-or-nothing retirement

If Pitman wasn't working full-time, perhaps her hours would be flexible enough to avoid poor road conditions, she says, like the blizzard she drove through on her way to work Friday.

Her top priority: Spending time with her 10 grandchildren.

"I'd love to have the flexibility to be more available to them," she said.

Employment experts say we may want to rethink our all-or-nothing definitions of retirement. Jessica Culo owns several Express Employment franchises in the Edmonton area and is the Canadian spokesperson for the company, which also has locations in the U.S. and South Africa.

Even though Alberta is still recovering from the provincial recession of 2016 and 2017, she says, even employers there can't ignore the potential problems posed by a significant increase in retirements in as little as two years from now.

"We all know what it's like to be in an applicant-short market: It's expensive, it's not fun, it inhibits growth," Culo said. "The leaders of organizations have got to have that foresight."

Jessica Culo, of Express Employment Professionals, says baby boomers are willing to mentor younger staffers, but in most cases the structures and practices are just not in place to facilitate that. (Express Employment Professionals)

Putting in place semi-retirement arrangements that could help with the labour shortage will require "being more creative on the side of the employers," she said.

That could mean allowing older staff members to work flexible hours, a shortened workweek, shorter shifts or working remotely to cut commuting time. It could also include transitioning people into consultancy roles to work on a project basis.

Making room for mentoring

Culo says all those tools could help address another critical aspect of boomer retirement that the survey highlighted: ensuring critical knowledge doesn't walk out the door when they do.

Only 40 cent of respondents say they've passed at least half of the knowledge required for their positions on to younger staff members, and 51 per cent don't believe their employers have adequate succession plans.

Culo says boomers are willing to mentor — 82 per cent of poll respondents said as much, in fact — but in most cases they're not doing it. "Probably because there aren't really systems or practices or processes that allow for that."

Rosemary Venne, an associate professor of business at the University of Saskatchewan, says 'flexibility is not something that employers are good at.' (University of Saskatchewan)

Part-time workers and consultants could slide nicely into mentoring and training positions, she says, but it may take a mind shift on behalf of management.

"It may mean adding to your overhead by payrolling someone to take on that purely mentorship role."

In many cases, it won't even have occurred to employers to extend people's time at work through semi-retirement, says Rosemary Venne, an associate professor at the University of Saskatchewan's Edwards School of Business who specializes in human resources and demographics.

A 2011 paper she penned with celebrated demographer David Foot, the author of Boom, Bust and Echo, explained that too little attention has been paid to the impact of increasing life expectancy on retirement policies.

The paper — entitled "The long goodbye" — made the case for partial retirement schemes that remove barriers to going part-time, such as pension disincentives.

That makes sense when you consider that in 1965, when the retirement age was set at 65, the average life expectancy was 71.9 years. Today average life expectancy in Canada is around 80 for men and 84 for women.

Keeping a hand in work can be good for emotional health and life satisfaction as well.

"Partial retirement is such an ideal thing, because more and more of our self-concept is tied up in work," Venne said. "We've increased our educational attainment. To give that up when you retire is difficult for some people."

In some ways, Teresa Pitman is the ideal retiree. She has spent long portions of her career as a freelancer, and as the author of 18 books about baby care, she can turn to her writing career to keep her busy, engaged and sharp.

"I have writing that I'm quite confident that will always continue. But I do know people a bit older than me who are sometimes a little bit at sea. Their life had been organized around work. I just see that they're not quite sure what to do with themselves."

72% of small business owners exiting within 10 years – are they ready?...from an article posted by the Wealth Professional on Face Book, November 2018

A new poll by the Canadian Federation of Independent Business (CFIB) has found nearly three quarters (72%) of small-business owners plan to exit their business within the next ten years. That will put $1.5 trillion in business assets in play — but a concerning number of retiring entrepreneurs don’t have a game plan yet.

According to the CFIB, just 49% of business owners have a succession plan; only 8% have a formal written plan. Among owners with shorter exit timelines (12 months or less), 21% have a formal plan; that percentage declines to 10% among those exiting in the next one to five years and falls further to 6% among those with a six- to ten-year timeline.

When asked why they planned to exit, 81% of respondents cited retirement, while another 12% said they have not found a suitable successor. Plans to move on to another business venture figured in the decision for 9%, most of whom were under 50 years old.

“With many baby boomers planning to retire in the coming years, business succession is a major concern,” said Corinne Pohlmann, CFIB senior vice-

president of national affairs. “We need to do everything possible to ease the transition."

A smooth transition might be hard to manage, however. When it comes to succession planning, the main hurdle cited by survey respondents was finding a suitable successor (56%). Small-business owners also cited barriers such as difficulty in valuing the business (48%), too much dependence on their active involvement (40%) and securing financing for the successor (37%).

Selling to unrelated third parties is on the minds of nearly half of business owners (48%). Another 25% are considering selling to employees, while the same proportion of respondents may sell to family members. Other exit methods cited were a transfer to family members through inheritance (21%) and winding down the business (15%).

Why are more small-business owners considering a sale to a third party than selling to a family member? Taxes may play a role. The CFIB noted that currently, the difference between the sale price of a business and the price originally paid is taxed as a dividend for those who sell to a family member. But when the business is sold to an unrelated person, it’s considered a capital gain, which makes it eligible for a lifetime capital gains exemption (LCGE).

“Under the current rules, business owners pay higher taxes when they sell to a family member than when they sell to a stranger,” Pohlmann said. “It doesn't make sense.”

Because many small-business owners derive retirement income from the sale of their business, the CFIB also urged governments to raise the LCGE threshold to $1 million for all small- and medium-sized enterprises (SMEs), not just farmers and fishermen. As for the transfer of a business to the owner’s children, it recommended that small corporations be allowed to defer the tax on the resulting capital gains.

Is your home ready to grow old with you?...from an article from The Journals of Gerontology, January 23, 2019

A new study published in The Journals of Gerontology found that seniors are less likely to change residences if they live in a one-floor house or at least have their kitchen, bedroom and bathroom on the same floor.

Study lead Marianne Granbom of Johns Hopkins University and Sweden’s Lund University said most seniors don’t want to move to a nursing home, and she echoed previous findings that supporting older adults to age in their community has the potential to improve their quality of life and decrease care costs.

Granbom and four colleagues analyzed results collected from more than 7,000 Americans aged 65 and older over a four-year period. During those

years, 8.2% moved within their communities, while 3.9% moved to residential care facilities. Overall, the seniors who were most likely to move were those who lived alone, had a lower annual income and had visited the hospital during the previous year. The study concluded: “After adjusting for demographics and health factors, poor indoor accessibility was found to be associated with moves within the community but not to residential care facilities. No additional home environmental factors were associated with relocation.”

The study examined whether indoor accessibility, entrance accessibility, bathroom safety features, housing type and housing condition were associated with relocations either within the community or to residential care facilities. The authors concluded that understanding which modifiable home environmental factors trigger late-life relocation, and to where, has practical implications for developing policies and programs to help older adults age in their place of choice.

Retirement Living found that nearly 75% of the 2,300 people (aged 50 and older) it surveyed plan on performing bathroom modifications, which they said are key to aging in place. A third of the people it polled plan on doing renovations to the exterior of their homes, such as adding wheelchair ramps or improving lighting.

Burgeoning improvements in home technology are rapidly becoming a factor in seniors’ ability to remain in their homes, as well. In the Retirement Living poll, 53% of respondents said they are likely or very likely to use online pharmacies and 40% said they are likely or very likely to employ technologies like electronic medical alert services, ride-share apps or food delivery services like Uber Eats. In addition, there is a rising interest among seniors in how in-home technologies like voice-activated devices such as Alexa or Apple HomePod, or connected appliances, could help them stay in their homes.

“To truly understand how aging in place can be supported, we need to shift focus from merely looking at individual health problems to also include the environments they live in,” Granbom told Reuters Health.

Universal Access to Healthcare: Tackling the Unique Challenges of Canadians with Disabilities as Seniors Population Rises… from a recent article in the Canadian Journal of Disability Studies

In the province of Alberta alone, the population of seniors is expected to increase by 50% within 10 years. The significant increase in the population of seniors means it is more important than ever to make adaptations to physical environments and transportation so that they are accessible to people with differing levels of independence and who use mobility aids such as walkers, wheelchairs, scooters and canes.

As Canada’s population of seniors continues to rise, barrier-free design is becoming increasingly important. Currently, one in five Canadians (of all ages) identifies as having a disability. Canadian companies are beginning to recognize this need for accessibility and are taking steps to address it; for example, Sean Crump is CEO of Universal Access, a consultant team based in Calgary. Working with companies and organizations, they strive to create barrier-free access for all Canadians. They are tackling not just the spatial layout of physical spaces, but social inclusion and bottom-line business impacts as well.

Principles of universal design also need to be applied to health care. Thirty-two percent of people with disabilities experience physical barriers in accessing health care. They also encounter difficulties that are systemic, attitudinal and related to expertise. Seniors with disabilities have reported difficulty in finding doctors who are well versed in issues related to both aging and disability; often, they can find someone with expertise in one area or the other but not both. People with disabilities can often be perceived as being more challenging as patients because of their disability, which may affect their ability to access certain aspects of health care, such as securing a family doctor.

According to the US Centers for Disease Control and Prevention, some recommendations for ensuring health care accessibility include the following: provide open floor space free of physical barriers, build counters and service windows low enough to accommodate wheelchair users, use alarm systems that can be seen and heard, ensure that some of the health care professionals and other staff at a given location can use sign language or provide patients with access to interpreters, make videos with closed captioning for the hard of hearing, and offer print materials and signs with large fonts for people with low vision as well as Braille.

A recent article in the Canadian Journal of Disability Studies states, “Health care is a human right yet access barriers to health care remain one of the major challenges among people with disabilities. One of the several reasons accounting for this is that there is little evidence on access to healthcare among people with disabilities.”

In March 2018, the House of Commons Standing Committee on Human Resources, Skills and Social Development and the Status of Persons with Disabilities (the HUMA Committee) released a report entitled Advancing Inclusion and Quality of Life for Seniors. The Canadian Medical Association (CMA) participated in the study that led to this report; one of the themes was tools for aging in place, such as age-friendly communities designed with barrier-free inclusivity in mind. A vital part of age-friendly communities is equitable access to healthcare for seniors, free of physical obstacles and inclusive of all levels of ability.

Preventing Falls for this 2019 Winter …from an article written by the CMA, November 2018

Many things can contribute to a person’s risk of falling. But what are some of the steps we can take to reduce those risks? Local and provincial networks, organizations and individuals came together for the annual one-day Fall Prevention Conference on Sept. 27, 2018, in Orillia, Ontario, to discuss the importance of fall prevention and share tools and knowledge to help reduce falling risks in the community.

At the conference, kinesiologists at Toronto Western Hospital talked about an investigative approach they’re taking to learn why people fall. By reproducing the conditions and environment that lead to falls and conducting controlled tests in which volunteers wear integrated software wearables to monitor what happens to them as they fall, professionals can assess very particular situations and come up with effective fall prevention strategies.

Dance can be an effective way to improve balance and coordination with very low impact movement and physical activity. A presenter at Prevent Falls This Fall discussed the cognitive, functional and even behavioural benefits of dance. Dancing can be effective for people with movement disorders such as Parkinson’s and for people with chronic pain, early-stage dementia or acquired brain injury, and it can help combat loneliness and social isolation when organized as a group activity.

Psychologist Ken Marek spoke about social isolation and understanding different personality types, understanding your own personality, and how to effectively communicate with people with different personalities. Health care workers must understand themselves well to communicate effectively with isolated individuals.

Prescription and over-the-counter medications can have a significant effect on a person’s fall risk. People should review their medications with their doctor on a regular basis to discuss how prescriptions, supplements, vitamins and alcohol consumption can affect their likelihood of falling. Doctors frequently discourage their patients from taking over-the-counter sleep aids, and it’s important to make sure a person’s vitamin D and calcium levels are appropriate to ensure that their bones stay healthy and strong, to decrease the risk of fractures and frailty.

There is a correlation between hearing loss and fall risk, as structures of the inner ear affect balance and therefore mobility as well. Hearing loss and poor vestibular function can increase someone’s risk of falling. At the Toronto Rehabilitation Institute, there is work being done with simulators in lab settings to explore how hearing loss can add to someone’s cognitive “load” and how hearing loss and falling affect people with certain kinds of dementia.

The new Canada’s Food Guide explained: Goodbye four food groups and serving sizes, hello hydration

Health Canada’s updated manual for healthy eating offers fewer hard-and-

fast rules and broader advice about how to live better. Here are some of the highlights:

The federal government has dramatically overhauled its iconic Canada’s Food Guide, introducing this week a new, simplified approach that encourages plant-based eating and reduces the emphasis on meat and dairy.

For the past four decades, Health Canada has instructed Canadians that a healthy diet consists of specific servings across “four food groups,” set against a rainbow background. But the new guide, unveiled on Tuesday morning, not only does away with the four groups; it eliminates serving numbers and sizes altogether. It also replaces the “rainbow” with a new icon: A plate.

Here are the some of the biggest changes from the new food guide.

No more ‘four food groups’

The four food groups had, until this week, remained more or less unchanged since they had their debut in the 1977 Canada’s Food Guide. Those groups consisted of milk and milk products; meat and alternatives; grain products; and fruits and vegetables.

The new guide, revealed by Health Minister Ginette Petitpas Taylor on Tuesday, reduces those groups to three. The message in that change is clear: Eat more plants, and less meat and dairy. As such, the remaining groups are: fruits and vegetables; whole grains; and proteins – a new umbrella category that combines both dairy and meat, along with plant-based proteins such as tofu and chickpeas. Even within the “protein” category, meat and dairy is de-emphasized. “Among protein foods, consume plant-based more often,” the new guide says. “The regular intake of plant-based foods – vegetables, fruit, whole grains, and plant-based proteins – can have positive effects on health,” including lower risk of cardiovascular disease, colon cancer and type 2 diabetes.

This shift away from meats and dairy sparked fierce opposition from the respective industries. In 2017, The Globe reported that the meat industry and other government departments were lobbying Health Canada to soften its approach. And earlier this month, Tom Lynch-Staunton, a representative for the Alberta Beef Producers, told The Globe it would be “dangerous” to equate meat with plant-based proteins.

A statement from the Dairy Farmers of Canada on Tuesday said the new guide “does not reflect the most recent and mounting scientific evidence available.” Previous statements from the organization had warned that the move would be “detrimental to the long-term health of future generations” in addition to having a negative impact on local dairy farmers.

A less prescriptive approach

The new guide is distilled into one strikingly simple image: a plate of food filled with roughly half fruits and vegetables, and the remaining half divided into whole grains and proteins. The image is meant to convey a simple message, according to Health Canada: Eat a diet made up of roughly half fruits and vegetables, and half of the remaining two categories.

Gone are the specific recommendations to eat a specific number of serving sizes across each of the groups. Gone too is information about what makes up a serving size for different types of food. “What we heard from Canadians and stakeholders [on the previous guide] was that it was very difficult, and a bit too complicated to use,” said Hasan Hutchinson, director general of the Office of Nutrition Policy and Promotion in Health Canada.

The new approach, he said, “is not about portions, per se, but about proportions.” By following the “half fruits and vegetables” rule, he said, the department hopes to make the guide “real and actionable in your everyday life.” He added that more specifics may be added later, though likely geared toward health professionals or for institutions who need guidance in developing meal plans and diets.

Drink water!

The instruction encouraging Canadians to make water their “beverage of choice” is meant to fulfill two purposes: to promote hydration, and also to limit the consumption of sugary or alcoholic beverages. “In 2015,” the guide says, “sugary drinks were the main sources of total sugars in the diets of Canadians, with children and adolescents having the highest average daily intake.”

And while previous versions of Canada’s Food Guide had recommended 100-per-cent fruit juice as a healthy option equivalent to a serving of fruit, the new version reverses this – despite heavy lobbying from the beverage industry, as reported by The Globe. The new guide labels 100-per-cent fruit juice as a “sugary drink” associated with dental decay, obesity and type 2 diabetes.

The new guide also introduces new warnings against alcohol consumption. Alcohol, the guide says, “contributes a lot of calories to the diet with little to no nutritive value.” Alcohol intake is also linked with increased risk of certain types of cancer, including liver and oesophageal.

Eat fewer processed foods

While Canada’s Food Guides in the past have been preoccupied with what foods to eat, the new version also includes specific warnings about what not to eat – namely, processed and prepared foods that are high in sodium, free sugars and saturated fats.

“In recent years, the availability and consumption of highly processed products has increased significantly," the guide says. This shift has been linked with rises in obesity, cardiovascular disease, hypertension, diabetes and certain types of cancer.

Examples of these processed foods listed in the guide include muffins, hot dogs, frozen pizza, chocolate and soda. “Prepared foods,” meanwhile, refer to restaurant or similar ready-to-eat meals that are typically high in sodium, sugar and saturated fats.

A new emphasis on food behaviours

Taking its cue from the widely acclaimed Brazilian approach, the new Canadian guide also includes instruction on behaviours associated with healthy eating patterns: “Be mindful of your eating habits;” “cook more often;” “enjoy your food;” and “eat meals with others.”

A statement from the Community Food Centres Canada described this guidance as “a critical step forward is the inclusion of advice not only on what we eat but how we eat – cooking more at home, enjoying food, and eating with others – which, taken together, encourage a more communal and healthful approach to eating.”

The Canadian Medical Association, too, applauded the “overall direction" of the new guide. “The CMA," CMA president Dr. Gigi Osler said in a statement, "is particularly supportive of the evidence-based review and extensive consultation process used to draft the new Guide, to ensure it was founded on unbiased research.”

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