The success of our relationship will be dependent upon each of us fulfilling our responsibilities and being accountable to each other.  We will mutually agree to:

Client Responsibilities:

• Provide us with the information necessary to complete the work identified under this agreement.
• Keep us apprised of any relevant information concerning your personal financial affairs which may have an impact on your situation.
• Make decisions and act on advice provided, or seek other options from our organization that will allow you to achieve your goals.

Advisor Responsibilities:

• Advise you what information is required to complete the work identified under the terms of this agreement and what information is required to maintain the ongoing planning activities.
• Review your financial affairs and provide you with professional advice in the area covered by this agreement.
• At all times, exercise reasonable, professional judgement and act in your best interest.
• Provide proactive co-ordination of services for implementing the action plan.

Before making any recommendation, we must first have a complete picture of your current financial situation. The information we need deals with, but isn't necessarily limited to, your:

• Assets; 
• Anticipated unusual income or expenditures; 
• Liabilities; 
• Income and expenses; 
• Cash flow; 
• Investment statements (registered and non-registered accounts)

If we are unable to obtain the information we require, you should understand that it could prevent us from giving you appropriate advice.  If this is the case, we may be required to either revise or terminate our engagement.

Having reviewed your goals, objectives and financial situation, we will prepare a written investment summary for you to review.  When discussing this report with you, we will do so in such a way so that you are able to understand:

• The advantages and disadvantages of the various alternatives; 
• The costs of the various alternatives; 
• The risks involved in the various alternatives; 
• The time sensitivity of recommendations; 
• The consequences of no action being taken; and 
• The impact of a change in the assumptions on the projected results.

You are obliged to inform us if you do not understand any of the above points.  Should you blatantly disregard crucial advice or fail to implement important recommendations, we reserve the right to terminate our relationship agreement given the appropriate notification, subject to 30 days written notice.

You understand that the calculations, projections, advice and recommendations provided will be based on the information we provide and will be made in accordance with Canadian Financial Planning Practice Standards.  You understand that these will be projections only and that the actual results can, and will, vary depending on a number of factors.

It is agreed that we will conduct a review at your request or annually.   The review process may include, but is not limited to, the following areas:

• Comparing actual investment returns against previous projections;
• Discussing any changes that need to be made to the assumptions used;
• Discussing changes in your individual circumstances or the economic environment and their impact on your goals;
• Agreeing on any changes to the plan;
• Adjusting the recommendations, if required, to accommodate the changes;
• Assessing the achievement to date of goals and objectives;
• Adding new goals as needs are met;
• Updating the client's personal and financial information for material changes.

Financial Planning is an ongoing process that, after completion of the work covered under this agreement, will require implementation, ongoing monitoring and regular review.  You understand that achieving your personal goals and objectives is incumbent on the implementation of the advice and recommendations developed. 

It is agreed that this financial planning engagement remains in effect as long as the financial planning relationship remains.   As our client, you may terminate the relationship at any time, but we may only end it after having given 30 days notice.

Should you cease to reside in a province in which we are licensed, the relationship must be terminated.  Our office will make every effort to assist youin finding a suitable advisor in the new province/territory of residence.

Verbal abuse of any team member (swearing, inappropriate language, and/or rudeness) will result in termination notification subject to 30 days notice.

We will endeavor to keep you apprised of important changes.  In the event of changes that may affect your personal circumstances (e.g., a change to the Income Tax Act announced in a federal budget), we will make an effort to contact you.  Should your financial circumstances change (e.g., as a result of marriage, birth of a child, inheritance, etc.), you are then responsible for contacting our office as soon as possible.