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DUAL OCCUPATION DISCLOSURE

As a Carte Wealth Management Inc. Representative I am dually occupied as a registered mutual funds salesperson, as a

licensed Life Insurance Advisor.  As such, you may be dealing with more than one company depending on the products

purchased, or services rendered. Remuneration also varies with the products purchased, or services rendered. I will be

representing Carte Wealth Management Inc. for the sale of mutual fund products and will provide you with the name of

the entity that I represent while conducting business as a Life Insurance Advisor.

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I, Ernesto Gary David, am a registered mutual fund salesperson represented by Carte Wealth Management Inc.

 

1. I am also an independent licensed Life Insurance Advisor contracted with Carte Risk Management Inc., an insurance

Managing General Agency, and an entity through which I place my life insurance business. Any activity relating to

my position as a Life Insurance Advisor is not the business of, or under the supervision of, Carte Wealth

Management Inc., and Carte Wealth Management Inc. will not be liable or responsible for such activities.

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2. 

 

I, Ernesto Gary David, wish this distinction to be clear, and if you are not sure of the difference, let us discuss it, or I can

suggest sources from which you can obtain the necessary explanation. Our self‐regulatory organization, The Mutual Fund

Dealers Association of Canada (“MFDA”), has rules which state that the distinction between these Dual Occupations must

be clear and that you understand the difference for the purposes of this transaction.

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Mutual Fund Disclosure:

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus and/or fund facts before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. 
Insurance Disclosure:

Subject to any applicable death and maturity guarantee, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of the assets in the segregated fund. A nominee account is one in which an investment is held in trust for an individual by a corporation or entity other than the individual. A segregated fund policy held within a self-directed plan is one example of investing in a nominee account. A segregated fund held in a nominee account may not offer creditor protection. Please read your Information Folder carefully and seek professional advice before investing. Commissions, trailing commissions, management fees and expenses may be associated your insurance contract. 
*Insurance products and services provided through Carte Risk Management Inc.
**Mutual funds provided through Carte Wealth Management Inc.

Copyright 2019 © Blue Harbour Financial Inc.

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