Legal Statement

This site is the property of Financial Decisions. To make use of any of the information or material contained please contact Financial Decisions Inc. by mail, fax, telephone or Email.


Financial Decisions is not responsible for the content hosted on other websites which are referenced as links on this site


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 with your insurance contract.


Commissions, trailing commissions, management fees and expenses may all 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.


As a Carte Wealth Management Inc. ("Carte") Representative I am dually licensed for the sale of mutual funds and life insurance products and represent separate companies for each purpose. I am also the Director/Owner of two companies and a volunteer. 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 for the sale of mutual fund products and will provide you with the name of the entity that I represent while conducting life insurance related business, the names of the companies I own and the name of the entity with which I volunteer. The sale of life insurance products/services, the business activities of my company and volunteer work is not the business of, or under the supervision of, Carte and Carte will not be liable or responsible for such activities.



I, Linda Cartier, am a registered mutual fund salesperson represented by Carte Wealth Management Inc. I am also a licensed Life Insurance Advisor represented by Bastow One Financial Inc. and Carte Risk Management Inc., insurance MGAs. Any activity relating to my occupation as a licensed Life Insurance Advisor is not the business of, or under the supervision of, Carte, and Carte will not be liable or responsible for such activities.

I am also the Director/Owner of Financial Decisions Inc., an entity through which I provide GIC deposits, financial planning, cash flow management, tax analysis and preparation and separation/divorce work, and Academy of Financial Divorce Specialists, an entity that provides divorce planning education to clients. Any business activities relating to the companies I own are not the business of, or under the supervision of, Carte, and Carte will not be liable or responsible for such activities.

I am also a volunteer President for the Sudbury Arts Council, a non-profit organization connecting local arts with each other and their audience, communication as an umbrella organization, ensuring artists have a voice in Greater Sudbury and that the arts remain relevant to the community. Any activity relating to my work as a volunteer is not the business of, or under the supervision of, Carte, and Carte will not be liable or responsible for such activities.

I, Linda Cartier, 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 mutual fund transactions.