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.
General information
The content on this website is general information about financial planning and the services offered through Girard Wealth. It is not individualized advice, and it is not an offer or solicitation to buy or sell any product in any jurisdiction where that would not be permitted. Advice specific to your situation is given only once an engagement begins. Products and services are available only where Guillaume Girard and Portfolio Strategies Corporation hold the registration or licence for the activity in question, as set out below.
Trade name
Girard Wealth is a trade name of Guillaume Girard.
Financial planning
Financial planning is provided through Girard Wealth by Guillaume Girard, CFP.
Offered across Canada.
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. Client assets are held in trust by Portfolio Strategies Corporation.
Registered in: British Columbia, Ontario and Québec.
Investment risk
Mutual funds and other investments are not guaranteed, their values change frequently, and past performance may not be repeated. Unlike cash deposits or GICs, mutual funds are not covered by the Canada Deposit Insurance Corporation or any other deposit insurer. Commissions, trailing commissions, management fees and expenses may all be associated with mutual fund investments. Important information about any fund is set out in its Fund Facts and simplified prospectus, which you should read before investing.
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: British Columbia and Ontario.
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 Pricing.
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 financial plan. Plans are tested across a range of assumptions, such as higher inflation, lower returns, or a longer life, to show how they hold up. 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.
The OBSI process is free of charge and confidential. OBSI can be contacted:
- By telephone in Toronto at (416) 287-2877, or toll free at 1-888-451-4519
- By email at ombudsman@obsi.ca