Transparency matters. Below is the legal and regulatory information that applies to the products and services offered through this practice.
Segregated funds. Subject to any applicable death and maturity guarantee, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of the assets of the segregated fund. Nominee accounts holding segregated funds may not enjoy creditor protection; please seek professional advice regarding your situation.
Mutual funds. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated. Please read the prospectus before investing. Mutual funds are provided through Investia Financial Services Inc.
Insurance products, including segregated funds, are provided through licensed insurance channels including Qualified Financial Services and Financial Horizons Group.
Your personal information is collected only to provide the financial products and services you request, and is handled in accordance with applicable Canadian privacy legislation. Information submitted through this website is used solely to respond to your enquiry and is never sold or shared for marketing purposes.
For the complete privacy policy that governs your client relationship, please refer to the Investia Financial Services Inc. privacy policy or contact the office for a copy.
Conflicts of interest are identified and addressed in your best interest through three approaches: avoidance of conflicts that are prohibited by law or cannot be effectively managed; control measures such as the separation of business functions; and disclosure, providing you with the information needed to independently assess any conflict.
Among other protections: advisors may not borrow from or lend to clients, outside business activities require pre-approval, compensation structures (including commissions and trailer fees) are disclosed in advance, and transactions involving related or connected issuers are disclosed before purchase. If you have any questions or concerns, you are always encouraged to ask.
Kelvin Rampersad offers mutual funds through Investia Financial Services Inc. Insurance products and reverse-mortgage referrals are separate business activities that are not the business of, or supervised by, Investia Financial Services Inc.
For the full business activity disclosure document, please contact the office and a copy will be provided.
