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PRIVACY
LifeLegacy Wealth Management Inc. o/a LifeLegacy, its staff, agents and advisors adhere to the Personal Information and Electronic Documents Act (“PIPEDA”), a federal privacy law. For the purposes of this statement the terms we/us/our encompasses LifeLegacy, its staff, advisors and agents.
Accountability – We are responsible for the personal information received from clients and we will abide by the principles ofPIPEDA in safeguarding that information in hard copy and computer documents. LifeLegacy’s employees, advisors and agents alsounderstand and abide by these rules.
Collection Purposes, Limitations on Collection, Use, Disclosure and Retention – Any and all personal, corporate, financial andrelated information is collected and kept solely for the purpose of providing advice and to ensure that any products or services youpurchase through us are provided quickly and correctly. In order to obtain products for you, we are required to share your personalinformation with insurers through intermediary brokerage firms. We only collect and keep information that help us to formulateadvice including personal, financial and health information.
Consent – The nature of our work means we must collect and retain a lot of personal information about our clients includinghealth data, financial data and identity verification data. We use this information to understand your financial needs and to identifypossible solutions to problems you might have. In becoming our client, and by signing this form, you agree to give us thisinformation and allow us to share this information with companies you choose to buy financial products from and with relevantbrokerage intermediary firms. You allow us to retain your information in paper or electronic files for as long as you wish for us tobe your advisor, or for as long as there is a business or legal need to retain the information. You also allow us to share yourinformation with client relationship management software vendors and financial analysis software vendors for the sole purpose ofmanaging, organizing and analyzing your data so that we can provide better service and solutions to you. Should your LifeLegacyadvisor retire, die or become otherwise become incapacitated, you allow us to transfer your information to another agent oragency, to continue to service your needs. However, you have the right to choose a different agent at that time if you wish. Youmay withdraw your consent at any time (subject to legal or contractual obligations and on providing me with reasonable notice)by contacting me. Withdrawing your consent may prevent us from providing you with requested products or services and may endour business relationship.
Information Accuracy – We rely on receiving accurate information in order to make appropriate recommendations. You mayreview the personal information we retain about you upon request. We may also update the information regularly in an effort toensure we are making recommendations about your situation based on the correct information.
Safeguards – All the written information we receive from you is either in secure filing cabinets or in password protectedcomputer files. Any computer files stored off site are encrypted or locked. Old files that are discarded are shredded or otherwisecompletely destroyed. LifeLegacy staff, advisors and agents understand the sensitivity of this information and the importance ofprotecting it.
Questions, Concerns and Access – You may contact us at anytime by telephone, email or letter at the address shown on thispage about your files with us and request changes. You may review PIPEDA online at www.privcom.gc.ca. If you have any complaintsabout our procedures we will investigate and provide you with a response as soon as practical. A full copy of our Privacy Policy isavailable upon request.
Disclosure
LifeLegacy Wealth Management Inc. is a corporate entity owned and controlled by Edward Turgeon. It operates under the registered tradename as LifeLegacy. LifeLegacy is an independent financial planning firm based in Red Deer County in the province of Alberta. LifeLegacy is represented by Edward Turgeon and/or Robert Toews. Licensing Edward Turgeon, Robert Toews and LifeLegacy Wealth Management Inc., o/a LifeLegacy, are licensed through the Alberta Insurance Council for the sale of life, disability, critical illness, long term care, travel insurance, and related insurance products. This licensing also covers the sale of segregated investment funds.
LifeLegacy has a Referral Arrangement for investment services with:
Fiduciary Trust Company of Canada (Fiduciary Trust) a registered Portfolio Manager, to provide discretionary portfolio management services to qualified clients.
FTC Investor Services Inc. (FTC ISI) a registered Mutual Fund Dealer to provide mutual fund and pooled fund investment solutions to qualified clients.
Modern Advisor Canada Inc. (ModernAdvisor) a registered Portfolio Manager, to provide on-line discretionary portfolio management services to qualified clients.
LifeLegacy has a Referral Arrangement for lending services with:
Manulife Bank of Canada a Schedule I federally chartered bank and a wholly‑owned subsidiary of The Manufacturers Life Insurance Company, to provide savings accounts, mortgage products, secured lending to qualified clients.
Bank of Montreal a Schedule I federally chartered bank to provide mortgage products to qualified clients.
HomeEquity Bank a Schedule I federally chartered bank to provide CHIPReverseMortgage™ to qualified clients.
Equitable Bank a Schedule I federally chartered bank to provide reverse mortgage products to qualified clients.
LifeLegacy Advisors hold the following professional memberships and designations:
Edward Turgeon is:
certified by FP Canada Standards Council™ to use the Certified Financial Planner® (CFP®) designation
a Financial Management Advisor (FMA) holder, granted by the Canadian Securities Institute
a Chartered Investment Manager (CIM®) holder, granted by the Canadian Securities Institute
a Fellow of CSI (FCSI®) granted by the Canadian Securities Institute
a member in good standing of the Financial Advisors Association of Canada (Advocis).
a member in good standing of the Canadian Association of Farm Advisors (CAFA)
a member in good standing of the Estate Planning Council of Canada
Robert Toews is:
certified by The Canadian Institute of Financial Planning to use the Registered Retirement Consultant® (RRC®/CR®) designation
a member in good standing of the Financial Advisors Association of Canada (Advocis).
Companies LifeLegacy is Contracted With
LifeLegacy and its Advisors through an intermediary Managing General Agency ("MGA") named IDC Worldsource Insurance Network Inc. ("IDC WIN") are able to offer insurance and investment products from the following companies:
Canada Life, Desjardins, Empire Life, BMO Life Assurance, Industrial Alliance, Manulife, myHSA, RBC Life Insurance, SunLife, Equitable Life, The Edge Benefits Inc.
No insurance company holds an ownership interest in LifeLegacy. Other than agency relationships, there are no outstanding financial relationships in existence with between the agent and any insurance company, such as loans or other forms of indebtedness.
LifeLegacy offers comprehensive financial planning on a fee-for-service basis, our planning fees are based on the time and complexity of the planning needs. Clients will be directly invoiced for planning fees, or if they enter into an Investment Management Agreement with one of our investment services referral partners, the service fee may offset some or all of the planning fee. All fee arrangements and compensation are fully disclosed in your Engagement Agreement. If you choose to purchase a financial product through LifeLegacy, we will be paid a sales commission from the company that provides the product. LifeLegacy may also receive renewal (or service) commission if you are happy and keep your plans for years to come. The Advisor may also be eligible for additional compensation, such as bonuses, or non-monetary benefits, such as travel incentives, depending on various factors such as the volume or persistency of business that is placed during a given time period.
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