VOTE RYAN WILLIAMS

Disclosure

We can offer a full range of insurance products and services offered by the following companies:

INSURANCE COMPANY RELATIONSHIPS

We can offer a full range of insurance products and services offered by the following companies:

LICENSE, JURISDICTION AND DISTRIBUTOR RELATIONSHIP

We are independent advisors licensed as life and health insurance advisors in the province of Ontario.

We are also licensed/registered in the following fields: Mutual Funds, Labour Sponsored Investment Funds, Term Deposits/GICs.

For insurance products, we process our insurance related business through Financial Horizons Group (a Managing General Agent, or “MGA”), which will pay us, or direct the insurance company to pay us, a bonus on commissions earned from the sale or insurance products that we sell. This bonus constitutes a portion of the overall compensation we are paid in conjunction with commissions referenced below. In addition, we have full discretion to deal with one or the other insurer with whom we trade, and we are not subject to any pressure from Financial Horizons Group to favour one or the other insurer.  Further information on Financial Horizons Group can be obtained at: www.financialhorizons.com

OTHER DISTRIBUTOR RELATIONSHIPS

We are also a registered advisor with the following other distributors:

CONTINUING EDUCATION

In order to maintain our life/accident and sickness license, we are required to meet mandatory continuing education. Where applicable, we meet these educational requirements through attendance at various seminars and industry meetings.

COMPENSATION – MONETARY AND NON-MONETARY

Upon completion of an insurance transaction, we will be paid a sales commission by the company that provides the product you purchase which is generally based on a percentage of the premiums. We may receive a renewal (or service) commission if you keep that policy in force. We may be eligible for additional compensation, such as bonuses or non-monetary benefits, such as travel incentives, conferences, seminars, depending on various factors such as the volume of our sales or persistency of business that we place with a particular company during a given time of period. Should your contract be cancelled within a certain period of time we may be subject to a chargeback for a portion or all of the commissions earned.

NATURE OF OUR RELATIONSHIP WITH THE COMPANIES WE REPRESENT

No insurance company holds an ownership interest in our business, nor do we hold or control ownership in any insurance company

PRODUCTS PROVIDED

We can offer you a full range of insurance products including: life, critical illness, disability, long term care, segregated funds, annuities, health and dental, GIAs, and group benefits.

CONFLICTS OF INTEREST

We are required to declare any interest that may prevent us from offering impartial advice. As a result of our current product offering and licensing, we are noting the following potential conflicts of interest:

  • Mutual Funds
  • Labour Sponsored Investment Funds
  • Term Deposits/GICs

We will notify you immediately if we become aware of any conflicts of interest or potential conflicts of interest in regards to the services that we offer.

MORE INFORMATION

Should you require more information about our qualifications or the nature of our business relationships, we would be pleased to assist you.

COLLECTION OF INFORMATION

We will, from time to time, collect financial and other information on you. This information includes transaction-related details arising from your relationship with or through us. We may obtain this information from a variety of sources, including your own records with us, from transactions you have made with or through us, from credit reporting agencies and other financial institutions, and from references you have provided to us.

USE OF INFORMATION AND ACCESS TO INFORMATION

You authorize us and our distributor, Financial Horizons Group, to collect and maintain this information when you apply for an insurance product or service, and during the course of our relationship in order to administer the insurance product or service for which you have applied and to fulfill our legal and regulatory obligations.

For these purposes, we will have to share your information with third party service, such as paramedical service providers, and insurers to whom you are applying for an insurance product or service.

You have the right to obtain access to the information we hold about you on file at any time to review its content and accuracy and to have it amended as appropriate. To request access to your information, to ask questions about our privacy policies, or to request that the information not be shared or used for the purposes outlined above, you can now or anytime in the future contact us.

If you are no longer our client or this agreement terminates, we may keep your information in our records so long as it is needed for the purposes described above or as long as it may be required by the law.

ADDITIONAL BUSINESS

You are not required to transact additional or other business with us as a condition of this transaction. Other than outlined above, your personal information will not be shared with individuals or other organizations.

CANADIAN ANTI-SPAM LEGISLATION: EXPRESS CONSENT

Canada’s anti-spam law (CASL) came into effect on July 1st, 2014 and may affect our ability to send you a commercial electronic message (CEM) on topics of interest to you, as well as invitations to our events.

For information about CASL, please visit: http://www.crtc.gc.ca/eng/casl-lcap.htm

Your First Step to Financial Well-Being.

Schedule a brief conversation with us. We will discuss your financial situation and provide a no-obligation recommendation on how we can work together to meet your financial goals.

613 . 771 . 1119

Tipper Financial

Why Choose a Certified Financial Planner?®

A Certified Financial Planner® (CFP)® certification provides assurance that the planner is committed to internationally-recognized professional standards of competence, ethics and practice as set out and enforced in Canada by the FP Canada. Only those individuals who have met rigorous education, examination, experience, and ethical requirements earn the right to call themselves CFPs®. Canadians seeking competent and ethical financial planning services should look for the CFP® mark.

For further information about the CFP® designation and/or FP Canada, please Click Here.

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All mutual funds are sold through Monarch Wealth Corporation, a registered mutual fund dealer. Commissions, trailing commission, management fees, and expenses all may be associated with mutual fund investments. Please read the prospectus/fund facts before investing. Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated. To obtain a prospectus or fund facts, or further information, please contact your Representative.

All non-mutual funds related business conducted by your Representative is not in the capacity of an employee or agent of Monarch Wealth Corporation and is not the responsibility of Monarch Wealth Corporation. Non-mutual fund related business includes, without limitation, advising in or selling any type of insurance product, advising in or selling any type of mortgage service, estate and tax planning or tax return preparation.