Disclosures
Registration, relationships and compensation.
The detail behind the footer. Registration is held separately for each activity and stated with the provinces it applies to.
Trade name
Girard Wealth is a trade name of Guillaume Girard. It carries no corporate ending, and Girard Wealth is not itself an incorporated entity.
Financial planning
Financial planning is provided through Girard Wealth by Guillaume Girard, CFP.
Offered in: [provinces to be confirmed with PSC compliance].
Mutual funds
Mutual funds are offered through Portfolio Strategies Corporation, a member of the Canadian Investment Regulatory Organization (CIRO). Guillaume Girard is a registered representative (CIRO Approved Person) sponsored by Portfolio Strategies Corporation. Investment accounts are held through Portfolio Strategies Corporation.
Registered in: [provinces to be confirmed with PSC compliance].
Insurance
Insurance products are offered through PPI. Insurance placed through PPI pays a commission from the insurer; the amount and structure are disclosed in writing before anything is signed.
Licensed in: [provinces to be confirmed with PSC compliance].
How I’m paid
Compensation comes from three sources: a flat financial planning fee, an optional tiered fee on investment assets held through Portfolio Strategies Corporation, and commission on insurance placed through PPI. Each is disclosed in writing, and the planning work is never conditional on purchasing a product. The full fee schedule is on How it works.
Conflicts of interest
Because some products can pay commission, a conflict can exist between a recommendation and how it is compensated. This is managed by disclosing all compensation in writing before you decide, by keeping the planning fee independent of any product purchase, and through the supervision of Portfolio Strategies Corporation. Material conflicts identified in the course of an engagement are disclosed to you.
Financial planning assumptions
Planning projections are built in Conquest Planning from figures you and I enter together, each of which is listed in your plan. They are illustrations of trade-offs under stated assumptions, not projections of investment results or guarantees of any outcome.
Verifying my registration
- CSA National Registration Search for CIRO Approved Person status
- CFA Institute credential record
- FP Canada planner directory
Complaints
If you have a concern, please raise it with me first. Complaints about mutual fund activity may also be directed to Portfolio Strategies Corporation and, as a CIRO member firm, are handled under CIRO’s complaint-handling requirements; independent dispute resolution may be available through OBSI. [Contact details and process to be confirmed with PSC compliance.]