Legal

*Mutual funds provided by Carte Wealth Management Inc.
**Life insurance products & services provided by WealthLINK Financial Services Inc.

  • Commissions, trailing commissions, management fees and expenses may all be associated with mutual fund investments. Please read the prospectus and/or fund facts before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
  • 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 in the segregated fund. A nominee account is one in which an investment is held in trust for an individual by a corporation or entity other than the individual. A segregated fund policy held within a self-directed plan is one example of investing in a nominee account. A segregated fund held in a nominee account may not offer creditor protection. Please read your Information Folder carefully and seek professional advice before investing. Commissions, trailing commissions, management fees and expenses may be associated with your insurance contract.
  • As a Carte Wealth Management Inc. Representative I am engaged in various business activities including being a registered Mutual Funds Salesperson, a licensed Life Insurance Advisor, a self-employed Landlord, a Sole Proprietor, a Bus Driver and a Volunteer and represent separate companies for each purpose. As such, you may be dealing with more than one company depending on the products purchased, or services rendered. Remuneration also varies with the products purchased, or services rendered. I will be representing Carte Wealth Management Inc. for the sale of mutual fund products and will provide you with the name of the entity that I represent while conducting business as a licensed Life Insurance Advisor, a self-employed Landlord, a Sole Proprietor, a Bus Driver and a Volunteer. The business activities relating to my position as a licensed Life Insurance Advisor, my position as a self-employed Landlord, my position as a Sole Proprietor, my position as a Bus Driver and my position as a Volunteer, are not the business of, or under the supervision of Carte Wealth Management Inc., and Carte Wealth Management Inc. will not be liable or responsible for such activities.

 


I, Gino Nava, am a registered mutual fund salesperson represented by Carte Wealth Management Inc.

I am also a licensed Life Insurance Advisor with WealthLINK Financial Services Inc., an insurance managing general agency. Any activity relating to my occupation as a licensed Life Insurance Advisor is not the business of, or under the supervision of, Carte Wealth Management Inc., and Carte Wealth Management Inc. will not be liable or responsible for such activities.

I am also a self-employed Landlord, whereby I rent our three residential properties. Any activity relating to my occupation as a self-employed Landlord is not the business of, or under the supervision of, Carte Wealth Management Inc., and Carte Wealth Management Inc. will not be liable or responsible for such activities.

I am also the Sole Proprietor of Skyline Heights Financial Solutions, a sole-proprietorship whose name I use as a trade name when conducting mutual fund and life insurance related business. Any activity relating to my occupation as a Sole Proprietor is not the business of, or under the supervision of, Carte Wealth Management Inc., and Carte Wealth Management Inc. will not be liable or responsible for such activities.

I am also a part-time Bus Driver with the Westside Academy, an elementary/high school, whereby I drive the elementary/secondary school students for trail riding and also for various field trips. Any activity relating to my position as a Bus Driver is not the business of, or under the supervision of, Carte Wealth Management Inc., and Carte Wealth Management Inc. will not be liable or responsible for such activities.

I am also a Volunteer with Westside Family Fellowship, a church, where I engage in various church related volunteer work, primarily helping senior citizens, single parents, persons with low income & disabilities with household projects/tasks. Any activity relating to my position as a Volunteer is not the business of, or under the supervision of, Carte Wealth Management Inc., and Carte Wealth Management Inc. will not be liable or responsible for such activities.

I, Gino Nava, wish this distinction to be clear, and if you are not sure of the difference, let us discuss it, or I can suggest sources from which you can obtain the necessary explanation. Our self-regulatory organization, The Mutual Fund Dealers Association of Canada (“MFDA”), has rules which state that the distinction between these Dual Occupations must be clear and that you understand the difference for the purposes of mutual fund transactions.