referrals - Rogers Media
Transcription
referrals - Rogers Media
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T TH meet The she ca on the lo TAIN E INVEST ent co e for an rrey, red lt to ed Su cu stm cu st us se ve in ffi TIR th ’s in di EN ey e is me, NP intere repay r the most n mon esn’t g inco ortgag th M a in m loa do wi gh to ed he t g rn ur ty ou no rn en in ea is en wa and be mom use yo al proper than nsider rtion return home, st beca she nt ing to other e’s co at po ree fail to her re is go ur re r new if sh thing on th are th told e inte And by yo e interest go buy he terest Here oses.” int ct th AFF an loan. th you’ve things purp me to the in ay ta ctible. BY ST n dedu now age, mean ts m ed use if dedu it ho for tax she ca d home’s clien mortg ndle ve her ho also explain e longer ctible thinks ways to ha ld ha lose e ol dedu u th oty. ve yo could mmon (and how a shou use th rt of er pr ha ca co rit the pa e t op be st ag Bu it: Am y for with loans ent pr at lea mortg south. e. new to fix to pa their vestm The ctible make m r w s in d g. du ho he ). ul Ho de do rd fund rst wron she co rest nonthey 3 wed She’s her fi g towa her rental its - if borro goin n? inte erty— , not its cli actio s are loan the prop unlock ence ceed ant is s to e trans CRA perm of an rental a’s al resid hat’s relev want + s,” just on sts // // // incip Amrit why. fund t she “w st co did: wed // // // eets e, pr erty, and ario 1 Here’s t Bu intere Scen as it m // // // client new hom e borro countan duct al prop ac to de your s initi e of th // // // a as long nt, t an us // y an t, ents rre ha M II’ // ct lo bu W cu two dire ncen ted ent her // // // e of CR n of or ed to ith Vi s: emen out. S Som investm keep // // // ition impl decid additio 79), as paid ys Ke rent rst N EW s to cond // // // were s the 19 to be ff sa the fi me to want ar; ents three ired // // // e ho ade wa n lines in but paid-o marks irem strial tax ye upgr s requ // // // indu requ age-fre ages her t 2014 uctio that nt; 1. It’ // // // Bs ce of prod mortg tg ges. ar, bu // en w ble in able amou or PC an ye // es t d, ne ya based r ch las lea pa re-m e pr // // majo rontoason ding as th his She er // // // inclu ve of well s a re ls, on a, a To form // // // was 2. It’ inants, e wa san Silm emica and // // // ntam estat tant troch // Su d the co money al ul pe // re d he and ns nc we co rious ining // // // o lau stry ves, e borro and va d adjo // // // indu . or wh initiati d 3. Th site an owns // // // direct tive, Facts ire plant OSC mpany and still ac // // // Fund MA requ d // co s AR e // an at’ es , SH th // II m it. h wh NNE that recent e for // // // and co s. CRM SUZA most throug prepar illion er ED BY The lks us w to anag $29 m RVIEW ny m s wa and ho INTE is for pa ar ar m ye ye fer of five this nt co ly curre sure t over lo ge m ust ou sc lar fro pays g it . ors m de di RTS: iderin e-tra e died , advis e offer s for ns cliPr sh 15 3 EXPE ne Th co e ly to 01 tli g Ju wis is l wher e of the s ou ess wing nnin spita fore and Le it include ar follo e busin . Begi —be the ho the r is aw iting ge use couriade th sclose y or in wr beca lawye e he buy or ive ed upgr di us tit to to His ca n pe ing orall her lly. com uctio ns be fund whet e its rsona ents— natio y instr ov pe ns .do an n pr e nt sh tio g th the ca ceptin and im ing, O s ques take tuatio his chilThe sisent all four of ools in SHARMA eredll owns Pickerbut turned While Lewing enough to n to rec- acsell a security: s the client y in s s gu le, ue sch nal live lo He sti charge ired to pa Lewi Morri has be Leag essed lieve s Cab professio or he’ll gnate 1. the ut, he to Ivy n’t be Lewi e distr requ to p rchase busiHe’s payo ble ma dren ises ar d does based over will be of the pu ago. ra of total nershi and ca esti.S. an e prem t firm ed by years pletho of ow fers Wire able the U ze th od. tate s. the deceas nt has a respec a reason ent 10 buyout of n ogni e idea hand any go and es e She s preamou es th agem io n or Lewis* dian sion it did d lik man and wa years ago. spok ansio sed all cces Cana sale, valuat actual t known an e m 87 fu su in al W ng re e’s e g H in if the no ness far ues. -room llowi thre teterperson 5 million. mate ns fo Ella remain es in a 25 ng iss ges is to de r so d on his l main tio fe ni e of ar $4 fu he rts wi an ica ilch at tim r pl e ce e se his expe ny s after eaning He liv ns fo compl $25 m of th at th ed sin 0 ba three no m o year compa ed from from rm rm r,00 solutio e fi tw 4 ed fe ich r rfo with 25 e th st di of fo pe ng of ht ur $1 to th on wh d all the be ve ra e and, been ke on eig rchase ade fo rs ha sure; mine ion, an inted to e has a strok d Stro a pu e sits wis m Offe disclo nanc acy. rt an 1 mill po nse of argng, Le e hom to $3 have e Hea his leg tory d ch g dise passi the ca 92. Th lion to th e fac anda ferre comin 2. in tions of th He r 19 emor ich de the client fore be dona calls. ing m essed state e last majo to wh y tion be ndraising that str to pa d and founda ent (th ientapply, ired th fu the di ange cl pm on es wi qu ch ui r d re as al eq te be h arge be annu chan num and its r.ca les ch of the on might made o sa d his s ce to d ha is ie sin le rre tions then d has t.adv ns of stor a defe equent sa s dona n ted, an ou ie e bs lis io ym fe cl un anon the su and the y vers ,000 dl y 00 n rit $1 frie 24! secu N EW RT EPO Febr P. 12 ST M EN TS IN VE within your li Help c ▼ p. and p.16 03 13-12- 12:00 PM I’ Y P.16 it 8 S P.18 ENEUR R P E R ENT 0 YOUNG t of life P.2 COURTents give the gif ▼ rading ency t 199 3 2 01 DEC EMB ER T N A WERRALS? ASK FOR THE M ADV V IS O @AD RCA NK in LI .C ED IN O M /T Y /A O DA DV IS O R .C A FF E STA FFIC GETT OF O U O P.12 SIN CE 199 ISO R.C A 8 TS P.1.16 TUDEN S E T A RADU mories P.2.24 FOR G e RESPs clients’ online m ct Prote 3 2 01 NOV EMB ER EDITOR’S NOTE ADVISOR GROUP’S portfolio of media products goes where you go. ADVISOR’S EDGE and ADVISOR’S EDGE REPORT are available in print and iPad editions. And our flagship site ADVISOR.CA and its many hubs and site extensions keep you up to date on your desktop or favourite mobile device. MEDIA KIT 2014 ADVISOR’S EDGE Canada’s flagship magazine for credentialed retail financial professionals helps advisors better understand their roles as client-facing fiduciaries, and provides them with ideas, motivation and inspiration to do their jobs better. Each issue, forward-thinking advisors coach their peers on ways to engage clients more effectively and learn about their goals. Regular departments like Advisor Confidential, Tax Break and Legal Lessons provide valuable education for readers. ADVISOR.ca Advisor.ca helps Canada’s client-facing investment advisors, brokers, and financial planners do their jobs better. Our editorial focuses on: • Industry news advisors need to better serve clients, and be prepared for the day’s conversations. • Articles explaining specific investment, tax, estate, insurance and planning strategies. • Talking points and other guides to help advisors improve interactions with clients. ADVISOR’S EDGE REPORT is a key source of strategic intelligence for Canadian investment advisors. Each issue boasts exclusive content to keep advisors apprised of industry developments, the latest research, and news items that affect the way they do business. We also feature a Three Experts column, which will include three perspectives on a challenging case study. And, in AER’s departments, Canada’s top advisors share how best to apply investment and insurance solutions, and to deploy tax and estate-planning strategies. MEDIA KIT 2014 ADVISOR GROUP’S print and web products have reach! Advisor.ca is the go to source for Canada’s financial advisors. Have a look at our stats. AVERAGE DAILY E-NEWSLETTER REGISTRANTS: 18,353 FREQUENCY 10 ISSUES PER YEAR 69,956 UNIQUE VISITORS PER MONTH CIRCULATION OF 37,000 TARGET: CANADIAN FINANCIAL ADVISORS FOCUS: ›› BREAKING INDUSTRY NEWS ›› MARKET-TARGETED STRATEGIES ›› TOOL KITS, TEMPLATES, PLANNERS AND GUIDES AVERAGE PAGE VIEWS PER MONTH: 369,831 712,254 (INCLUDING BULLETIN PAGE VIEWS) PRINT MAGAZINE 2014 PUBLISHING/EDITORIAL CALENDAR Every issue of ADVISOR’S EDGE looks in depth at ways advisors can better connect with clients, deploy more effective solutions, and better structure their practices so that they run more smoothly. 2014 ISSUES SALE CLOSE MATERIAL CLOSE IMPACT DATE FEATURES JANUARY DECEMBER 03 DECEMBER 05 JANUARY 13 Advising new breadwinners; Live in the client’s shoes; Legal lesson: Defining the matrimonial home FEBRUARY JANUARY 07 JANUARY 09 FEBRUARY 03 Unexpected assets; Covering final expenses; Insurance: Helping business owners MARCH FEBRUARY 03 FEBRUARY 05 MARCH 03 Discuss PoAs with clients; Overlooked client sources; Executor’s life: Should you pay the exec? APRIL MARCH 04 MARCH 06 MARCH 31 Coping with U.S. property; Vacation homes—where not to buy; Legal lesson: Oops, you’re not really divorced MAY APRIL 07 APRIL 09 MAY 05 Is an RRSP always the right choice?; Handling angry clients; Case study: Same-sex couples JUNE MAY 05 MAY 07 JUNE 02 Navigating industry events; Jargon-free meetings; Insurance: Transferring a policy SEPTEMBER AUGUST 05 AUGUST 07 SEPTEMBER 02 University savings plans; Buying out a partner; Compliance: When the client insists OCTOBER SEPTEMBER 02 SEPTEMBER 04 SEPTEMBER 29 Team diversity; When clients won’t retire; Legal lesson: Identifying bad wills NOVEMBER OCTOBER 06 OCTOBER 08 NOVEMBER 03 Gift while the client is alive; Selecting a mortgage; Insurance: Covering risk junkies DECEMBER NOVEMBER 04 NOVEMBER 06 DECEMBER 01 Best gifts ever!; Repatriating assets; Executor’s life: Guide to the holidays PRINT MAGAZINE 2014 PUBLISHING/EDITORIAL CALENDAR Rogers Publishing Limited, P.O. Box 720, Station K, Toronto, ON M4P 3J6 • PM 40070230 INSIDE P.16 INVESTMENTS Bank insurance business still strong despite 2013 setbacks REPORT www.advisor.ca January 2014 vol.12 no.01 STRATEGIC INTELLIGENCE FOR ADVISORS BY MELISSA SHIN Undo interest deductibility mistakes P.12-19 INVESTMENTS We walk through three taxing scenarios three conditions: Scenario 1 1. It’s required to be paid or payable in that tax year; 2. It’s a reasonable amount; and 3. The borrowed money was What your client did: Amrita’s decided to buy a new home, but wants to keep her current, mortgage-free home to rent out. She re-mortgages her paid-off Invest within your circle of competence; You’re retired! Now what?; Get ready for rising rates P.20 RISK MANAGEMENT A third dimension of risk P.20-24 TAX G Tax rules for joint ventures; Nonspouse beneficiaries of registered plans; The complicated landscape of U.S. estate tax IN WARN JUST AS ONE BAD APPLE CAN CAUSE THE WHOLE BARREL TO ROT, ONE MISTAKE CAN TAINT THE INTEREST DEDUCTIBILITY OF AN ENTIRE INVESTMENT LOAN. home to buy her new home, and thinks she can deduct the interest because the old home’s now an investment property. She’s wrong. The mortgage proceeds are going toward her new principal residence, not her rental property, and “what’s relevant is the direct use of the borrowed funds,” says Keith Vincent, an accountant How to fix it: Amrita should have borrowed funds to pay for the rental property—her first home. But she wants to unlock its 3 ////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// INTERVIEWED BY SUZANNE SHARMA Help a difficult, elderly client How to create a succession and estate plan before it’s too late Wire and cable magnate Morris Lewis* has a plethora of business succession and estate planning issues. We spoke with three experts to determine the best solutions for his legacy. The situation the hospital where she died. Lewis sent all four of his chilHis lawyer is aware of the dren to Ivy League schools in donations because he courithe U.S. and doesn’t believe SHARMA ered the cash personally. He still owns Pickering, Ont.it did any good. He’s 87 and was pre-deceased by based Lewis Cable, but turned his wife Ella three years ago. She the firm over to professional died from complications following management 10 years ago. He’s a stroke and, for two years after her so far refused all buyout offers passing, Lewis made four $125,000 based on his personal valuation donations to the Heart and Stroke of the company at $45 million. foundation before becoming disen- Offers have ranged from $25 milchanted with fundraising calls. He lion to $31 million, and all offerthen had his number changed and ing memoranda have pointed to unlisted, and has since made annual the distressed state of the factory $100,000 anonymous donations to and its equipment (the last major upgrade was the addition of two new production lines in 1979), as well as the presence of industrial contaminants, including lead, PCBs and various petrochemicals, on his plant site and adjoining real estate that the company owns. The most recent, and still active, offer is for $29 million and comes from current company managers. The offer pays out over five years and Lewis is considering it largely because it includes outlines for funding to upgrade the business and improve its competitive edge. While Lewis questions whether he’ll live long enough to take the total payout, he has begun to recognize the premises are distressed and likes the idea of ownership remaining in Canadian hands. He lives in a 25-room mansion on which no meaningful maintenance has been performed since 1992. The home sits on eight 4 ▼ 3 EXPERTS: P.26 TAX TREATMENT with MNP in Surrey, B.C. “Just because your mortgage is secured by your rental property doesn’t mean the interest is going to be deductible for tax purposes.” ▼ NEWS If your client wants used for “accepted purposes”—i.e., to earn to borrow to invest, you’ve income from a business likely told her the good news: SHIN or property. The direct she can probably deduct the interest on the loan. You’ve also use matters. warned her the investment could fail to return enough to repay the The third condition tends to be loan. And if she’s considering a most difficult to meet because the mortgage, you’ve told her she moment loan money’s used for anycould lose her house if things go thing other than earning income, south. But have you also explained the interest on that portion is no she could make at least part of the longer deductible. Here are three loan interest non-deductible with common ways clients may taint their loans (and how to handle it just one transaction? Here’s why. CRA permits cli- if they do). ents to deduct interest costs of an + investment loan as long as it meets P.1-11 NEWS How to undo interest deductibility mistakes; Three experts: Help a difficult, elderly client; Compliance roundup; The pros and cons of foreign dividends; Canada warms up to goalsbased investing BY STAFF Compliance roundup CRM II requirements for 2014 NEWS Some of CRM II’s initial requirements were implemented last year, but 2014 marks the first wave of major changes. Susan Silma, a Toronto-based industry consultant and former OSC director who launched the CRM II and Fund Facts initiatives, walks us through what’s required this year and how to prepare for it. provide their colleagues with technical help, new ideas and food for thought. 01 Pre-trade disclosure Beginning July 15, advisors must disclose the following to clients—orally or in writing—before accepting any instruction to buy or sell a security: 1. the charges the client will be required to pay in respect of the purchase or sale, or a reasonable estimate if the actual amount of the charges is not known to the firm at the time of disclosure; 2. in the case of a purchase to which deferred charges apply, that the client might be required to pay a deferred sales charge on the subsequent sale of the 6 security and the fee ▼ client.advisor.ca has clientfriendly versions of stories on p.12 and p.24! How to deduct business expenses ADVISOR’S EDGE REPORT’S expert writers AER01_001-012 [Print].indd 1 14-01-07 5:03 PM 2014 ISSUES SALE CLOSE MATERIAL CLOSE IMPACT DATE FEATURES JANUARY DECEMBER 19 DECEMBER 23 JANUARY 13 Interest deductibility; Three experts: Kids or causes? FEBRUARY JANUARY 27 JANUARY 29 FEBRUARY 10 Threat of public pensions; Update: Budget 2013 MARCH FEBRUARY 24 FEBRUARY 26 MARCH 10 APRIL MARCH 24 MARCH 26 APRIL 07 Deemed disposition; Private equity investment opportunities; Three experts: Curse of generosity MAY APRIL 28 APRIL 30 MAY 12 Next-gen retirement income products; Day in the life of a sector analyst JUNE JUNE 02 JUNE 04 JUNE 16 FATCA changes update; What regulators can see; Three experts: Dealing with a parent’s debt SEPTEMBER AUGUST 22 AUGUST 26 SEPTEMBER 08 OCTOBER SEPTEMBER 29 OCTOBER 01 OCTOBER 14 NOVEMBER OCTOBER 27 OCTOBER 29 NOVEMBER 10 Clients with offshore assets; Dual citizen blues; When bias is beneficial MID NOVEMBER NOVEMBER 10 NOVEMBER 12 NOVEMBER 24 Smart options strategies; Capturing capital losses DECEMBER NOVEMBER 24 NOVEMBER 26 DECEMBER 08 2014 watch list; Three experts: The fourth marriage Stocks to watch; Mortgage trends Universal trustee law; How to trade derivatives When ROC gets tricky; How not to shelter income; Three experts: Protect assets with trusts PRINT MAGAZINE 2014 RATE CARD RUN-OF-SITE (ROS) DISPLAY AD OPPORTUNITIES Big Box, Leaderboard, Billboard/Skyscraper • Rates are Cost Per Thousand Impressions (CPM Based) • Premium charges apply for additional targeting (25% minimum) CPM $187/ROS DAILY E-NEWSLETTER PER E-NEWS Leaderboard, Big Box, Text Ad Units available Daily E-Newsletter Takeover E-DIRECT MAIL Custom HTML email message sent to our third-party opt-in list. • List segmentation and geo-targeting available (25% premium charges apply). *RICH MEDIA Site Takeover (Wallpaper + Takeover) Digital Belly Bands (Anchored with Big Box) Page Peels Sliver Ad Film Strip Cat Fish MOBILE SPONSORSHIP OPPORTUNITIES Exclusive banner sponsorship of our mobile-enabled website (accessible via smartphone) (1 month minimum) FOUR-COLOUR FREQUENCY FOUR-COLOUR 1X 4X 8X FREQUENCY 1X 4X 8X Full Page $12,472 $11,973 $11,494 Full Page $13,858 $13,303 $12,771 $1,000 $2,500 2/3 12,021 11,540 11,079 2/3 13,357 12,823 12,310 PER EMAIL 1/2 9,197 8,829 8,476 1/2 11,907 11,431 10,973 1/3 7,194 6,906 6,630 1/3 7,993 7,673 7,366 1/4 6,113 5,869 5,634 1/4 6,792 6,520 6,259 1/6 4,708 4,520 4,339 1/6 5,231 5,022 4,821 DPS 21,606 20,742 19,912 DPS 21,840 20,967 20,128 1/2 DPS 20,398 19,582 18,799 1/2 DPS 24,007 23,047 22,125 $15,894 PER DAY $10,500 $2,100 Black and white rates less 15% Black and white rates less 15% PER MONTH $3,500 **CUSTOM PROJECTS Special Report Sponsorship Editorial special report packages include a series of top stories, sponsor logo on article pages, pop-up, and promotional e-direct. (1 month minimum) Partner Education (Sponsored Content) Sponsored content. Opportunity to post 500-word article or post white paper within an article page, including link to download PDF. Promoted on website for a 1-week period via button. Partner Success Centre (Microsite) Custom-built landing page delivering a wide variety of engaging content. (1 month minimum) CE Corner CE course supplied and accredited for posting in CE Corner. Sponsor logo and two text/bulletin ads per month and monthly report ** Ask your Account Manager about customized web programs, branded content opportunities and complete specifications. COVER RATES: FOUR-COLOUR FREQUENCY 1X 4X 8X Outside Back $17,775 $17,064 $16,381 Inside Front 17,775 17,064 Inside Back 15,115 IFC Spread 31,213 COVER RATES: FOUR-COLOUR FREQUENCY 1X 4X 8X Outside Back $18,972 $18,213 $17,484 16,381 First Tabloid Page 14,557 13,975 13,416 14,511 13,930 16,794 16,122 15,477 29,965 28,766 Inside Back Cover 1/6 Page Banner Cover Ear Lug 5,231 5,022 4,821 3,039 2,917 2,800 ADVISOR.CA LOCK DOWN THE LIVING WILL P.20 How to talk to wealthy prospects P.18 PRINT MAGAZINE 2014 JANUARY WHY I DON’T WORK IN TORONTO P. 2 6 @ADVISORCA in LINKEDIN.COM/TODAY/ADVISOR.CA SAVOURY TREATS FOR CLIENTS P.7 Rogers Publishing Limited, P.O. Box 720, Station K, Toronto, ON M4P 3J6 AE01_001 [Print].indd 1 • PM 40070230 13-12-17 11:38 AM ADVERTISING INFORMATION AND SPECIFICATIONS FREQUENCY TRIM SIZE BLEED SIZE FREQUENCY TRIM SIZE BLEED SIZE Full Page 7.875 x 10.75 8.375 x 11.25 Full Page Tabloid 10.8125 x 16.625 11.3125 x 17.125 DPS 15.75 x 10.75 16.25 x 11.25 DPS 21.625 x 16.625 22.625 x 17.125 2/3 Page 4.625 x 10 5.125 x 10.5 1/2 Page 10.0625 x 8.3125 10.5625 x 8.8125 1/2 Page Horizontal 7 x 4.625 7.5 x 5.125 1/2 DPS 21.625 x 8.3125 22.625 x 8.8125 1/2 Page Vertical 3.375 x 10 3.875 x 10.5 Magazine 7.875 x 10.75 8.375 x 11.25 1/2 Island 4.625 x 7.5 5.125 x 8 2/3 Page 10.0625 x 10.75 10.5625 x 11.25 1/2 DPS 15.75 x 4.625 16.25 x 5.125 1/3 Page Banner 10.0625 x 5.375 10.5625 x 5.875 1/3 Page Horizontal 7 x 3.125 7.5 x 3.625 1/3 Page Square 8x7 8.5 x 7.5 1/3 Page Vertical 2.25 x 4.875 2.75 x 10.5 1/4 Page 5.9375 x 8.3125 6.4375 x 8.8125 1/3 Page Square 4.875 x 2.625 5.125 x 5.125 1/4 Page Banner 10.0625 x 4 10.5625 x 4.5 1/4 Page Horizontal 7 x 2.375 7.5 x 2.875 1/6 Page Banner 8 x 2.3125 8.5 x 2.8125 1/4 Page Square 3.375 x 4.875 3.875 x 5.375 Ear Lug 1.875 x 2.25 2.375 x 2.75 1/6 Page Horizontal 4.875 x 2.25 5.375 x 2.75 Banner Ad Opposite Mailing Label 1 x 6.0938 1.5 x 6.5938 1/6 Page Vertical 2.25 x 4.875 2.75 x 5.375 Standard unit sizes in inches; width x height Standard unit sizes in inches; width x height PRODUCTION PROCESS TERMS AND CONDITIONS ADDIRECT INSTRUCTIONS Method of Printing Offset Prices are subject to sales taxes where applicable. Prices are subject to change. Log into Magazines Canada’s AdDirect™ Ad Portal (addirect.sendmyad.com). 1 Note: A user account will have to be set up upon the first visit. Method of Binding Saddle stitched Accounts are payable at the office of publication in Canadian funds or their equivalent at the prevailing rate of exchange at the time of payment. Inserts/ Polybag Rates and quantities are available on request. Publisher is NOT RESPONSIBLE for lineup of type or images running through the gutter on spreads or single pages to adjacent inserts. Running type or images through the gutter are STRONGLY discouraged. Select the publisher/magazine you are advertising with. Complete the relevant ad info, then click Upload. 2 Follow the onscreen preflight process. 3 Approve your ad. 4 TM Upload.Check.Send ADVISOR.CA LOCK DOWN THE LIVING WILL P.20 How to talk to wealthy prospects P.18 DIGITAL 2014 JANUARY WHY I DON’T WORK IN TORONTO P. 2 6 @ADVISORCA in LINKEDIN.COM/TODAY/ADVISOR.CA SAVOURY TREATS FOR CLIENTS P.7 Rogers Publishing Limited, P.O. Box 720, Station K, Toronto, ON M4P 3J6 AE01_001 [Print].indd 1 • PM 40070230 13-12-17 11:38 AM DIGITAL ADVERTISING SPECIFICATIONS DISPLAY ADVERTISING SPECIFICATIONS FREQUENCY DIMENSION (px) SIZE Leaderboard 728 x 90 40kb or less Big Box 300 x 250 40kb or less Billboard 300 x 600 40kb or less Wide Skyscraper 160 x 600 40kb or less Standard unit sizes in inches; width x height NEWSLETTER ADVERTISING SPECIFICATIONS FREQUENCY DIMENSION (px) SIZE Leaderboard 728 x 90 40kb or less Big Box 300 x 250 MORE ONLINE 40kb or less Standard unit sizes in inches; width x height File Types GIF, JPG, Flash SWFs, Third-Party Ad Tags All online material to be supplied to BPPG Creative: [email protected] Late Creative All material must be submitted a minimum of 5 business days prior to campaign start date. Late material will result in a delayed campaign start date with full campaign being charged to advertiser. ›› Detailed reporting will be provided every month. ›› Full specifications are available upon request. ›› Rates are based on run of site and placement in available ad sizes; a premium will apply to specific ad placement. ›› Accounts are payable at the office of publication in Canadian funds or their equivalent at the prevailing rate of exchange at the time of booking. ›› All online media ad creative adheres to IAB Canada Standards. ›› Reports are generated by DART for Publishers [DFP]. When reconciling delivery reports, a divergence of 10% with thirdparty ad server results is considered full delivery. ›› E-directs are non-cancellable and sponsors can change flight date with 30 days’ notice. ›› Prices are subject to sales taxes where applicable. Prices are subject to change. E-DIRECT MAIL Single-sponsored emails sent to Canadian financial advisors ›› Custom email message including: brand, product, educational, event, etc. ›› All content is sponsor-created and branded. * Final submitted material will be screened to ensure creative complies with our best practices & standards for e-direct mail. Late Creative All material must be submitted a minimum of 5 business days prior to campaign start date. Late material will result in a delayed campaign start date with full campaign being charged to advertiser. E-NEWSLETTERS ›› Supply image files in GIF or JPG format (40 kb max file size + click through url). ›› Text Ad (text only): 50-75 words with link ›› Logo can be used (40 k max file size) ›› Logo size within ad should not exceed 160px in width or 55px in height ›› Supply logo in EPS or high-quality JPG format. * Ask us about additional E-newsletter opportunities ADVISOR.CA ADVISOR.CA LOCK DOWN THE LIVING WILL P.20 How to talk to wealthy prospects P.18 DIGITAL 2014 LOCK DOWN THE LIVING WILL P.20 JANUARY How to talk to wealthy prospects P.18 2014 JANUARY WHY I DON’T WORK IN TORONTO WHY I DON’T WORK IN TORONTO P. 2 6 P. 2 6 @ADVISORCA in LINKEDIN.COM/TODAY/ADVISOR.CA SAVOURY TREATS FOR CLIENTS P.7 @ADVISORCA in LINKEDIN.COM/TODAY/ADVISOR.CA SAVOURY TREATS FOR CLIENTS P.7 Rogers Publishing Limited, P.O. Box 720, Station K, Toronto, ON M4P 3J6 AE01_001 [Print].indd 1 • Rogers Publishing Limited, P.O. Box 720, Station K, Toronto, ON M4P 3J6 • PM 40070230 AE01_001 [Print].indd 1 13-12-17 11:38 AM PM 40070230 13-12-17 11:38 AM INTERACTIVE TABLET MEDIA RATES TIER 1 TITLES TIER 2 TITLES > 5,000 Average Monthly Downloads < 5,000 Average Monthly Downloads Chatelaine, Châtelaine Maclean’s, L’actualité Today’s Parent MoneySense Hello! Canada Sportsnet, Canadian Business, Flare, LOULOU (EN/FR) Canadian Health & Lifestyle LOAD SCREENS AND PAGE ENHANCEMENTS Opportunity to add interactivity to static ads. Prices do not include production. FEATURE TIER TITLE GROSS 1 $4,320 2 $2,970 1 $842 2 $675 1 $3,036 2 $2,429 1 and 2 QUOTED PER PROJECT LOAD SCREEN LINK-ENABLED PAGE (Link out to client webpage, no other rich media features) ENHANCED PAGE WITH UP TO TWO RICH MEDIA FEATURES (Ex: Link, Video, Gallery, Touch/Reveal) CUSTOM (Ex: More than 2 features, uniquely built page, spread, or multipage insert * Rates subject to change. ** Starting January 2014, print rates include static ads for digital editions. ADVISOR.CA ADVISOR.CA LOCK DOWN THE LIVING WILL P.20 How to talk to wealthy prospects P.18 DIGITAL 2014 JANUARY LOCK DOWN THE LIVING WILL P.20 How to talk to wealthy prospects P.18 2014 JANUARY WHY I DON’T WORK IN TORONTO WHY I DON’T WORK IN TORONTO P. 2 6 P. 2 6 @ADVISORCA in LINKEDIN.COM/TODAY/ADVISOR.CA SAVOURY TREATS FOR CLIENTS P.7 @ADVISORCA in LINKEDIN.COM/TODAY/ADVISOR.CA SAVOURY TREATS FOR CLIENTS P.7 Rogers Publishing Limited, P.O. Box 720, Station K, Toronto, ON M4P 3J6 • ORIENTATIONS • All apps operate on Adobe Digital Publishing Suite (DPS), viewer version 27 2-page print spread can convert to... 2 pages vertical scrolling or... 2 pages locked to horizontal swipe OR • Only portrait orientation is supported • For multiple-page ads, vertical or horizontal, ordering is possible. Please include preference, in the delivery package as plain text instructions (as a TXT file) -Text: PDF with interactive states as vector, minimum recommended point size is 12pt • PDFs may be provided only for fully static ads • If an HTML environment negates the user’s ability to navigate away from the page or access the navigation bar, then alternative navigation must be incorporated in the page layout (via a 40px space at the bottom of the page) • If the HTML content cannot be placed in a layout, please include all HTML files and resources, as well as an InDesign layout sized to full-page with the required static full-page image, in the delivery package -Video: MP4 format with .h264 encoding, 8-10MB per minute of video • If these elements are not built into the layout using DPS tools, please include all necessary resources in the delivery package with plain text instructions (as a TXT file) • Please conform to latest iOS standards • An HTML ad should also be delivered as a full InDesign package, with the HTML content placed in the layout using DPS tools (see http://www.adobe.com/ca/products/digital-publishingsuite-pro.html for info) -Images: PDF or PNG with resolution no lower than 108ppi • Multi-state objects (ex: image galleries, hotspots) and embedded video/audio clips may be included (see https://digitalpublishing. acrobat.com/welcome.html for info) • HTML-coded ads may also be provided, up to full-page size • Please include a static full-page image of any HTML ad to be used as a thumbnail in issue navigation • Optimal Image and Asset Settings • For ads with dynamic/interactive elements, material must be provided as a full InDesign package (all fonts/links included), and compatible with Adobe InDesign 6.0 PM 40070230 13-12-17 11:38 AM HTML ADS • Full-page tablet ad size is 768px by 1024px, without any interactive elements within 40px top and bottom GRAPHICS AND TEXT • PM 40070230 AE01_001 [Print].indd 1 THE BASICS Rogers Publishing Limited, P.O. Box 720, Station K, Toronto, ON M4P 3J6 AE01_001 [Print].indd 1 Multi-page print insert can convert to multi-pages vertical scrolling or multi-pages locked to horizontal swipe URLS, ANALYTICS • All graphics should be left as vector and not rasterized, wherever possible; assets may be left at printready resolution and in their respective colour settings • URLs/links to web may be embedded in the layout using DPS tools (see DPS tools site http://helpx.adobe.com/digitalpublishing-suite/help/installing-digital-publishing-tools.html for info) • Please consider text legibility on tablet; body text should be larger than print (9pt in print should translate to approx. 15-20pt on tablet, depending on font) • If URLs/links are not embedded using DPS tools, please include full URLs and embedding/placement instructions in the delivery package in plain text (as a TXT file) • Please refer to Optimal Image and Asset Settings • Third-party tracking/tracking pixels is not supported at this time • Please note that HTML ads are only available on iOS devices Red zone is reserved for folio navigation and will overide any interactive elements: 40px top and bottom ASSET DELIVERY • Tablet material deadlines match material close/deadline for the corresponding print issue • All assets should be submitted as a ZIP file via AdDirect: https:// addirect.sendmyad.com • Additional instructions should be included in the delivery package as a TXT file, but may also be emailed to: [email protected] 13-12-17 11:38 AM MEDIA KIT 2014 GENERAL TERMS AND CONDITIONS The applicable insertion order (to the extent it does not conflict with the terms hereof), the then current rate card of the publication(s) to which the insertion order relates (“Publication”) and Publication’s then current advertising specifications are incorporated by reference into these terms and conditions and are collectively referred to as the “Agreement”. The person(s), firm or corporation contracting with Rogers Publishing Limited (“Publisher”) for the insertion of advertising in Publication, whether as principal (“Advertiser”) or as agent (“Agency”), shall be deemed authorized for all purposes relating to the Agreement. RATES AND COMMISSIONS (a) Publisher reserves the right to change its advertising rates at any time. Rate changes shall be made at least 30 days in advance of the closing date of the first issue to which such rates apply. If a rate change is not acceptable to Advertiser or Agency, it may, within 15 days of notification of such rate change, cancel the Agreement without incurring short rate charges (excluding multi-year discounts). (b) Advertising rates are subject to the addition of applicable taxes, including Goods and Services Tax (GST), Harmonized Sales Tax (HST) and a Quebec Sales Tax (QST) where applicable. (c) Agency commissions equal to up to 15% of gross billings for space, colour, position or special insert stock are payable to recognized agencies only. Commissions are not payable on extra mechanical charges, reprints, split runs and other such charges. (d) Any negotiated discounts are only applicable to and available during the period in which they are earned. Rebates resulting from any and all earned advertiser discount adjustments must be used within 6 months after the end of the period in which they are earned, and will expire if unused during such period. (d) Publisher reserves the right to impose a late payment charge of 2% per month (26.8% per year) from the date of the first invoice until the date Publisher receives such amount in full. (e) Invoiced amounts are payable at Publication’s office in Canadian funds, or equivalent funds at the rate of exchange prevailing at the time of payment. (f) Publisher reserves the right to change the payment terms to cash with insertion order at any time. CANCELLATION (a) Cancellation of the Agreement by Advertiser or Agency is subject to Publisher’s approval, in its sole discretion. Agreements for covers, special positions and inserts may not be cancelled by Advertiser or Agency. No cancellations shall be accepted by Publisher after the closing date for advertising space. Short rate charges shall apply to all cancellations by Advertiser or Agency. (b) Publisher may, at its option terminate this Agreement for the breach of any term hereof. Upon termination for breach, all charges incurred, together with short rate charges, shall be immediately due and payable. BILLING AND PAYMENTS ADVERTISING MATERIALS (a) Advertiser and Agency shall be jointly and severally liable for payment of all invoices for advertising published in the Publication(s). (a) All advertising copy is subject to Publisher’s approval and Publisher may without notice and without liability reject, discontinue or omit any advertising for any reason at any time. (b) Advertiser and/or Agency shall pre-pay for its advertising purchase except with approval from Publisher’s credit department. If approved for credit, Advertiser and/or Agency (as applicable) shall pay all amounts due upon receipt of invoice. (b) The word “Advertisement” shall be placed above copy which Publisher determines resembles Publication’s editorial material or that is not immediately identifiable as an advertisement. (c) Publisher shall invoice Advertiser or Agency on a monthly basis unless otherwise stipulated in order. (c) Publisher shall not be responsible for colour or colour trapping or advertising copy that does not conform to digital Magazines Advertising Canadian Specifications (“dMACS”). For further information regarding magazine industry standards, please refer to Magazines Canada www. magazinescanada.ca or dMACS http://magazinescanada. ca/dmacs.php?cat=dmacs. Proofing requirements may also be found on www.rogersdigitalads.com under “Proofing Info”. (c) Publisher shall not be responsible for errors or omissions in any advertising materials provided by Advertiser or Agency (including errors in key numbers) or for changes made to such advertising after the applicable closing date. (d) Publisher may insert the advertising anywhere in Publication in its discretion, and any condition on orders or copy instructions involving the placement of advertising shall be treated as a positioning request only and cannot be guaranteed. Publisher’s inability or failure to comply with any such positioning request shall not relieve Advertiser or Agency of the obligation to pay for the advertising. (d) Advertiser and Agency agree that Publication shall be under no liability for the failure, for any reason, to publish any advertising or circulate any issue of Publication. GENERAL (e) Publisher shall not be obligated to return any advertising material. (a) If Agency has entered this Agreement on behalf of Advertiser, Agency confirms that Advertiser has been provided with a copy of the terms hereof. (f) Any advertising published in Publication may, in Publisher’s discretion, be published and archived by Publisher or any anyone authorized by Publisher, as many times as Publisher and those authorized by Publisher wish, in and on any product, media and archive (including anything in print, electronic or other form). (b) This Agreement constitutes the entire agreement between the parties with respect to its subject matter and supersedes all prior agreements and understandings relating to the subject matter. No changes to this Agreement shall be effective unless made in writing and signed by the party sought to be bound. WARRANTIES, INDEMNITIES, LIMITATIONS (c) For clarity, Publisher shall not be bound by any conditions, printed or otherwise, appearing on Advertiser or Agency contracts, orders or instructions which conflict with, vary or add to these terms and conditions. (a) Advertiser and Agency each warrant, represent and covenant to Publisher that: (i) it has the full right and power to offer the advertising materials to Publisher and to enter into this agreement; (ii) the advertising materials do not contain any defamatory, libelous or slanderous material and will not violate any individual rights, including without limitation, intellectual property rights, rights of privacy, publicity or personality of any person; (iii) it has obtained all consents, waivers, releases and rights necessary for the use of such advertising materials published in the Publication(s), as contemplated by each order. (b) Advertiser and Agency shall be jointly and severally liable for all content (including text, representation and illustrations) of any advertising printed. Advertiser and Agency shall jointly and severally indemnify Publisher, its affiliates and their respective officers, directors, employees, contractors and agents against any and all liability and costs including any legal fees arising from a breach of this Agreement and/or resulting from the publication of the advertising materials, including without limitation, defamation, illegal competition or trade practice, infringement of trademark, trade name, or copyrights, and violation of rights of privacy, property or contract. (d) Neither Advertiser nor Agency may assign any rights or obligations under this Agreement. (e) Advertiser and Agency agree not to make promotional or merchandising reference to Publication in any way without the prior written permission of Publisher in each instance. (f) No provision of this Agreement shall be deemed waived by a course of conduct unless such waiver is in writing signed by all parties and stating specifically that it is intended to modify this Agreement. (g) This Agreement is governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any proceeding relating to the subject matter of this Agreement shall be within the exclusive jurisdiction of the courts of the Province of Ontario. MEDIA KIT 2014 CONTACT US Donna Kerry Group Publisher T 416 764-3805 [email protected] Karine Huard National Account Manager T 514 843-2133 [email protected] Kerry Maddocks National Account Manager T 416 764-3828 [email protected] Julia Sokolova National Account Manager T 416 764-1766 [email protected] Michael Finley Production Manager T 416 764-3928 [email protected] Head Office Rogers Publishing Limited One Mount Pleasant Road, 7th floor Toronto, Ontario M4Y 2Y5 T 416 764-2000 F 416 764-3934 Montréal Office Les Éditions Rogers Limitée 1200, avenue McGill College, bureau 800 Montréal (Québec) H3B 4G7 T 514 845-5141 F 514 843-2183