Anyone who has held a Canadian quarter in their hands has encountered Dora de Pédery-Hunt’s work. She was the first Canadian citizen to design an effigy of Queen Elizabeth II which has been used on Canadian coinage since 1990.

Throughout our lives we do all that we can to place our loved ones first. As Catholic Christians we look to the example of Our Lord and the saints who sought to serve rather than be served. Our choices and decisions are based on what is most beneficial for them.

TORONTO - A decade after his death, family man Esteban “Ben” Pingol’s legacy lives on through the Legacy Society of the Archdiocese of Toronto.

TORONTO - Fr. Rudolf Philip Volk served his family as a parent, his community as a priest and, in his death, the Church as a financial supporter for those in need.

As the warring sisters prepared for their final battle, both failed to recognize that their parent’s estate was the wrong place to wage their final fight.

As people age, their needs change and often they have a harder time taking care of themselves. This makes it important to plan for when you are no longer able to care for yourself.

Death used to be a simple fact of life. As of the Supreme Court decision on assisted suicide last February, it is becoming a legal process.

If it’s the thought that counts, think before you give. A little strategy can go a long way.

TORONTO - Money doesn’t make the world go ’round. If the world is on the move it’s because of war, famine, oppression — all the things that go into a global population of 13 million refugees.

Many of us do not think of the Church when it comes time to choose an in-lieu-of-flowers designation. Research shows that when we make an in-lieu-of-flowers selection for a loved one who has passed away, we usually select charities associated with their death. In other words, we make our decision based on what our loved one died of, and not what they lived for.

Of course none of us diminish the need for the important work being done at research foundations for diseases and of other charities. A lot of good progress is being made. We may simply wish to consider the Catholic Church as our in-lieu-of-flowers option and have the opportunity to recognize the importance of faith in our lives and the lives of our loved ones. An in-lieu-of-flowers mention in an obituary presents a wonderful opportunity for us to tell our family and friends that the Church is important to us.

One such example is Sir Louis H. Parsons who is remembered by his children as a hardworking man who was kind, generous, ethical and trustworthy. His family says that the greatest lesson they learned from him was that “Everything in life worthwhile requires sacrifice.”

At the time of his passing, his children directed the in-lieu-of-flowers donations to honour him by establishing The Sir Louis H. Parsons Memorial Scholarship Fund at Toronto’s St. Michael’s Choir School. The purpose was to help ensure that his love of the Choir School and community would remain in perpetuity. Donations collected were designated to the scholarship fund given every year to a student who exemplifies leadership and the qualities of humility and service to others. This fund has created a legacy for Sir Louis H. Parsons that will live on for many generations.

Creating your own in-lieu-of-flowers legacy is easy and can be directed toward your parish or favourite religious charity. It may not fund a parish renovation or solve the needs of the poor, but having the choice of supporting the Church in a big or small way indicates that the Church is a fundamental part of our lives.

And we place our trust in Jesus to do the rest.

If you would like to choose your parish or favourite Catholic charity as your in-lieu-of-flowers designation consider sharing your decision with your family. This will help to ensure that your wish is fulfilled. You can also write down your intention and keep it with your Will.

(Foronda works with the Development Office of the Archdiocese of Toronto.)

“My father is waiting for me, I have to go home,” said Victoria, an elderly woman with Alzheimer’s disease.

She was participating in a senior’s bingo game in Scarborough and talking with a 12-year-old boy with autism named Joseph.

Joseph, accompanied by his Uncle Sam, had been volunteering at the bingo game every Wednesday for the past three years. Over that time he’d forged a special relationship with Victoria.

“Victoria loves Joseph,” said Sam. “She gets really upset if Joseph is not here and does not want to play bingo. I think it’s because her father’s name was Joseph.”

Sam, a manager of a grocery store, knows the importance of volunteering and is determined to teach Joseph that you don’t have to be paid for everything you do. Managing his staff has taught Sam that a generous person is a far better employee than a greedy one. So he believes that teaching generosity to Joseph will help the boy in his life and future career.

Learning the importance of giving back, Sam believes, can change someone’s outlook on life. He learned that lesson from a Grade 11 teacher.

“My teacher said that whoever went on a weekend retreat on the importance of volunteering would get an A in her class,” he recalls. “I liked the idea of getting an A, so I went. It had a huge impact on me and made a real difference in my life. I didn’t realize it at the time, but only being 15, I was young and impressionable. It made me a better Catholic.”

One way that Sam gives back today is through a life insurance policy from the Knights of Columbus that names ShareLife as the beneficiary. A gift of insurance can be a wonderful way to create a legacy for your parish or favourite charity. Here are three simple ways you can make a gift of insurance:

o You can purchase a new policy and name the Church as the owner and beneficiary of the policy. This entitles you to receive a tax receipt for the annual premiums.

o Alternatively, you can be listed as the owner of the policy and name the Church as the beneficiary. This method lets your estate receive the tax receipt at the time of death,

o Finally, you can gift a policy you already own, naming the Church as the owner and beneficiary, and receive an immediate tax receipt for the fair value of your policy. You then continue to pay the premiums and get a tax receipt.

TORONTO - George Ribeiro knows where he’s going, and that’s a load off his mind. By pre-planning his cemetery arrangements, the 62- year-old businessman has secured a plot in Assumption Cemetery in Mississauga.

Ribeiro was nudged in the direction of making his own funeral and cemetery arrangements when his father-in-law died this year.

“When he passed away, me and my wife had to organize the funeral — and not just the funeral but also the cemetery part. In one day we had to do basically everything,” Ribeiro said.

That’s not a stress Ribeiro would wish on his own adult children. From memorial stone to casket to location, all those decisions have been made. When the time comes the Ribeiro family will concentrate on prayer, grief and hope rather than payments and trying to guess their parents’ wishes.

“We tend to be afraid of dealing with the funeral part of our lives,” Ribeiro said. “When we do it, if we don’t have big pressures it’s much better than a last-minute situation that we have to solve.”

Ribeiro believes that by pre-planning, his family will end up spending less.

“If you don’t organize it before, what happens is that normally you spend even more money,” he said.

Nobody wants to do less than the utmost for their own parents, and that can lead to poor decisions and costly extras, said Ribeiro.

Dealing with Catholic Cemeteries — Archdiocese of Toronto family counsellor Rosa Felgas, Ribeiro found the process surprisingly easy.

“I think it was a very nice experience,” he said.

Family counsellors can help work out a budget, arrange for interest-free monthly payments, secure a reserved burial plot and assure co-ordination between the funeral home, parish and cemetery. Family councillors will also make home visits for people unable to get to Catholic Cemeteries’ offices. Group presentations are also available.

As a Portuguese immigrant, Ribeiro saw the planning process as normal. His grandparents in Portugal secured a family plot many years ago.

“Back home, it’s the way it is. You know you have to prepare.”

At 62 Ribeiro could well live another 25 years or more, but he doesn’t think he moved too soon to secure his burial plot.

“If I go today or tomorrow or 20 years from now, it doesn’t matter. I know where I will go,” he said. “You never know when is going to be your time and how it’s going to be. There should be a way of talking to people. I think we should normally do it earlier.”

When facing death there is a lot a family must manage: grieving, estate finances and, often overlooked, the funeral service arrangements.

“Pre-planning is one of the most thoughtful gifts that you can give to your family,” said Amy Profenna, spokesperson for Catholic Cemeteries — Archdiocese of Toronto. “When arrangements are made in advance of need, it allows one to focus on the important things at a time of death.”

While pre-planning is preferred by Profenna, she understands that health issues and sudden deaths — as well as people not accepting that their time is near — often leave the task to those close to the deceased. This reality is what prompted the Catholic Cemeteries’ team to publish Life is Changed, Not Ended: Planning and Preparing a Catholic Funeral in 2008.

“We worked with Novalis to customize this booklet which was created to help family and friends prepare a Catholic funeral,” said Profenna. “It contains all the readings for the funeral Mass from which the reader can choose, and offers all the themes for the vigil celebrations.”

The booklet opens by addressing a variety of common questions surrounding children’s role in the Mass, prayers for victims of suicide and, one of the most popular misconceptions, preparing the eulogy.

“Although the Catholic funeral Mass is an opportunity to remember the person who has died, it is a celebration of the saving mystery of Christ’s death and resurrection,” reads the booklet. “That is why a eulogy, which is a speech praising someone who has died, is not part of a Catholic funeral. It is important in the grieving process, however, for people to share memories.”

It recommends doing so at the wake, the vigil for the deceased or in private with close friends and family. Additionally the booklet explains, using similar reasoning, “why secular readings and songs don’t belong in a Catholic celebration — not even a favourite poem or song.”

Knowing all of this in advance can help reduce tension when sitting down to plan a funeral.

“Plan to take time to sit down with the parish priest or a member of the pastoral staff to discuss the details of the rites,” reads the booklet. “Share information freely and discuss any special wishes you may have.”

Profenna admits that spending a couple hours talking about your own funeral service, or that of a recently deceased loved one, can feel morbid, depressing and even terrifying, but the end result is almost always worth the discomfort.

“After people have made their arrangements the feeling is generally the same, the feeling of satisfaction, like a weight is lifted and the feeling that they are glad they did it,” said Profenna. “The most important part is that peace of mind people feel after making their arrangements.”

A simple way to reduce your tax burden through giving

The average person should be able to read this in 60 seconds.

Here is a simple idea on how you can combine a portfolio of securities, charitable giving and the reduction of your estate’s tax burden.

The government does not require you to pay capital gains on securities that have gone up in value if you gift them directly to a registered Canadian charity. Many people do not know that the archdiocese of Toronto is able to receive gifts of securities for all our 225 parishes and archdiocesan charities.

If you are considering a gift to the Church in your Will and have a portfolio of appreciated securities, consider gifting them directly to the Church instead of selling them and then donating the cash. This could help save your estate capital gains taxes. Talk to your lawyer about how to draw up the instructions for your estate trustee to do this as this simple strategy could help save your estate a lot of money in taxes.

A helpful hint: When drafting your Will make sure your lawyer has the proper legal wording if you intend to include your parish in your Will. If you attend St. Patrick’s parish, for example, the proper legal title would be: Roman Catholic Episcopal Corporation for the Diocese of Toronto, in Canada for the benefit of St. Patrick’s parish. Because the archdiocese has eight St. Patrick’s parishes, the proper mailing address needs to be included to ensure that your gift goes to the right place.

Have your lawyer contact the archdiocese beforehand to request the proper legal title. Call (416) 934-3411 or e-mail development@archtoronto.org.

We are all familiar with the term “last Will and testament” but the term “Codicil” is less well known. Derived from the Latin “Cōdicillus,” which means “a little book,” a Codicil is a document that amends a Will.

A Codicil must follow the same formalities as a Will. It must be in writing. Unless it is entirely in the handwriting of the testator or the testatrix (the person making the Will), it must be signed, dated and witnessed by two individuals in the presence of the testator/testatrix.

After an individual makes a Will, he or she may wish to change the Will. Circumstances may have changed or assets previously bequeathed may have been sold. Rather than have the entire Will re-executed, individuals often use a Codicil if the change is small. However, with document processing technology, Codicils are becoming less popular.

Before document processing, Wills were typed. Because of the strict rules regarding the formal execution of a Will, there could be no typographical errors. If an error occurred, the entire page would be retyped.

Otherwise, manual change would have to be initialed by each of the testator/testatrix and the witnesses.

For that reason, it was common to make small changes by Codicil.

Is it Ever Appropriate to Use a Codicil?

There are times when it is never desirable to use a Codicil. These include:

o a change of the guardians or custodian nominated for children;

o a reduction of a bequest;

o removal of a beneficiary.

These are decisions that will inevitably cause embarrassment or hurt for the person removed or excluded.

Rather than have disappointed heirs fretting over what conduct precipitated the change, it is more appropriate to simply do a new Will. Only the last Will is made public. No one need know that another person was selected as a guardian or a legacy was reduced or revoked.

Codicils Precipitating Will Challenges

A change could precipitate a Will challenge. It is not uncommon for excluded individuals to challenge the Codicil on the basis that the change was made based on inaccurate information or on the grounds of duress or undue influence. This could be avoided if the affected individual was unaware that a change had occurred.

Making your Own Codicil

If the change is small, an individual might be tempted to prepare a Codicil where there is an emergency or a lawyer is not available. For example, if someone is in imminent fear of death and was in a remote location, he/ she could prepare a handwritten document to make a change to his/her Will.

Individuals should not make changes to a Will without consulting a lawyer. Lawyers’ fees for preparing Wills are modest compared to fees for contested Wills. Homemade Wills and Codicils are a great source of litigation.

Recently, individuals have prepared Wills or statements of testamentary intent on their computers and send them via e-mail. While a handwritten document will be accepted as a holograph Will, an e-mail or an electronic document is not acceptable, as it has not been signed and witnessed and there is no way to verify that the document was typed by the owner of the e-mail address.

Finally, we have all seen on television a video recording made by a testator/testatrix who wishes to address his/her beneficiaries after his/her death. Video Wills are not acceptable or admissable either as Wills, Codicils or “explanations” to either. The safest way to change a Will is to use a lawyer who will either prepare a new Will or, more rarely now, a Codicil.

(Rocchi is a Partner at Miller Thomson Law Firm.)