If the value of an investment goes up or down, it is not due to any action on my behalf, but do to economic factors such as interest rates, inflation, dollar valuation, trade policies, etc.

*As an Investment Advisor it is my responsibility to assess your risk tolerance and invest your assets according to your risk tolerance and investment plan.

I cannot promise you a specific return on your investments held in anything other than a GIC or Savings Account. In regards to Investment Funds, all we can do is analyze past performance data in hopes of getting an idea of management style and potential performance. This is also why we complete an investor profile.

The best strategy for investing is to buy and hold assets and watch them grow with patience. Also, the time to contribute more is when market performance is on the decline and investment pricing is going down.

No one can. No one ever has. No one ever will. That is why we invest for the long term. Risk is reduced drastically as you extend your investment horizon.

I collect ‘trailer fee’ commissions paid directly by the Investment Companies I deal with, based on the total amount of assets I have under my management.

I invest my client’s money via a 0% Front End Load (FEL) fee structure.

i.e.: there is no cost to my client for making deposits or withdrawals from the investment fund accounts.