Question 1

What are your qualifications?

Accepted Answer

Alfred, Craig and Tiago all have completed their Mutual Funds  & Exchange Traded Funds licenses.

Alfred & Craig additionally have completed their Liquid Alternatives license. They are also both Responsible Investments Specialists.

Alfred is a Licensed Life Insurance Agent.

Question 2

What services do you offer?

Accepted Answer

Alfred offers Life, Critical Illness and Disability Insurance services. Additionally he offers Life Annuities through his Life Insurance License with over 40 years experience.

In addition to Mutual Fund Sales and portfolio creation, both Alfred and Craig offer Exchange Traded Funds (ETFs), Liquid Alternative Investments (Liquid Alts) and Socially Responsible Investments (SRI/ESG).

We also offer Investment and Estate Plans to client's.

Question 3

What type of accounts can I open with you?

Accepted Answer

Mutual Funds, Exchange Trade Funds, Liquid Alternative Investments and Socially Responsible Investments are available for purchase in the following accounts:

- Registered Retirement Savings Plans (RRSP's)
- Spousal Registered Retirement Savings Plans (Sp. RRSP's)
- Registered Retirement Income Funds (RRIF's)
- Spousal Registered Retirement Income Funds (Sp. RRIF's)
- Tax Free Savings Accounts (TFSA's)
- Non Registered Accounts (Open - Individual and/or Joint)
- Group Registered Retirement Savings Plans (Gr. RRSP's)
- Group Spousal Registered Retirement Savings Plans (Gr. Sp. RRSP's)
- Group Tax Free Savings Accounts (Gr. TFSA's)
- Registered Education Savings Plans, Individual/Family (RESP's)
- Registered Disability Savings Plans (RDSP's)
- Individual Pension Plans (IPP's)
- Deferred Profit Sharing Plan's (DPSP's)
- Locked in Retirement Accounts (LIRA's)
- Locked in Retirement Income Funds (LRIF's)
- Life Income Funds (LIF's)

Additionally we offer Life Insurance (Individual or Joint), Critical Illness Insurance , Disability Insurance and Life Annuities.

Question 4

How will I be able to monitor my plan and track investment performance?

Accepted Answer

Investia Financial Services has both an online client portal and mobile app for tracking of your investments along with regular statements provided to your either digitally or printed.

Question 5

How are my assets protected?

Accepted Answer

All companies that we deal with are members of the Canadian Deposit Insurance Corporation "CDIC". For more information on CDIC please click on the link below:

https://www.cdic.ca/

Question 6

Can I transfer my existing accounts currently held at other institutions?

Accepted Answer

Yes. We can initiate the transfer(s) and have the funds moved electronically to your accounts here. Depending on the assets we prefer to transfer assets in-kind to avoid tax consequences and work with you as a client on replacing those assets with more suitable assets if or when we feel it is both necessary and in the client's best interest.

In addition to all Mutual Fund Companies in Canada, we also offer Mutual Funds from the Major Banks in Canada.

Question 7

How are you paid?

Accepted Answer

Much like other professional services such as your doctor, lawyer, accountant or real estate agent, we offer value to our clients by providing professional and specialized advice. We offer client's a variety of compensation models:

- Embedded Management Expense Ratio's (MERs) on a Front- End basis or
- on a "Fee for service" basis

“fee for service” platforms means that a percentage of their investment portfolio’s value is paid to the advisor for the ongoing asset management and counsel.

Both fee platforms are transparent and disclosed to you during the purchase of your investments and detailed on your annual statements. Additionally your rate of return is always disclosed to you as net of fees charged.

Insurance products* may also generate a commission, either a flat fee or a percentage of the sale. We are committed to making all recommendations in the best interest of our clients and any compensation received is merely a by-product of our services.

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