As a Carte Wealth Management Inc. representative I am dually licensed for the sale of mutual funds and insurance products and represent separate companies for each purpose. I am also the Director/Owner of a company, a Landlord, an Author and a volunteer. As such you may be dealing with more than one company depending on the products purchased, or services rendered. Remuneration may also vary with the particular products/services purchased. 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 insurance related business, business related to my company, activities related to my being a Landlord, an Author and a volunteer. The sale of insurance products, the business of my company, my business as a Landlord, Author and volunteer, 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. I am a Certified Financial Planner represented by Carte Wealth Management Inc. I am also an Insurance Advisor represented by Carte Financial Services Inc., Qualified Financial Services, HUB Financial Inc., Hunter McQuorodale and Carte Risk Management Inc. I am also the Director/Owner of Financial Wellness, an entity whose name I use for trade name purposes. I am also a self-employed Landlord. I am also a self-employed Author. And I am also a volunteer with Trust 15 Youth Community Support Organization as a Treasurer. Any activity relating to my occupation as an Insurance Advisor, Director/Owner of a company, Landlord, Author and volunteer 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.