Home
About Lisa
Financial
Services
  - Insurance
  - Investments
  - Planning
  - ManulifeOne
Quick
Service Info
Appointments
Locate Us
Privacy & Confidentiality
Disclaimers






INVESTMENTS

I work as a Representative, with WorldSourceFinancial Management Inc. My job is to work for you, not the investment fund companies. I enjoy assisting you with the best products to match the best solution to your planning needs.

INVESTMENT PRODUCTS
1. GIC's
2. Mutual Funds *
3. Government Bonds
4. Investment and RRSP Loans
5. RRIF's, RRSP's, RESP's, LIRA's & TFSA's

*Mutual Funds are offered through WorldSourceFinancial Management Inc.
If you have a WorldSource Financial Management account, click here for information on accessing your account statements.

FINANCIAL SERVICE COMPANIES WHOSE PRODUCTS WE OFFER
1. MUTUAL FUNDS - WorldSourceFinancial Management Inc.
Invesco Trimark, AGF, Fidelity, Mackenzie, CI, Manulife Funds, TD, RBC, CIBC, Acuity, Franklin Templeton, National Bank Funds, Renaissance Investments, BMO Guardian
2. GIC's:
Manulife Bank, ING, AGF Trust, B2B Trust, Bank of Nova Scotia, C.W. Eastern Bank, Canada Trust Co Broker, Canadian Western Trust, CIBC Trust, Community Trust, Concentra Financial, Equitable Trust, Home Trust Company, HSBC Bank Canada, Laurentian Bank Broker, MRS Trust, Maple Trust, Montreal Trust Co., National Bank Broker, National Trust Broker, Manulife Financial, Great West Life, Transamerica Life, Aetna, RBC Life, Equitable Life, Empire Life, Unity Life, Industrial Alliance, Canada Life, Desjardins, Standard Life, Wawanesa, Pacific & Western

RELATIONSHIPS WITH COMPANY(IES) I REPRESENT
No other company I deal with holds an ownership interest in my business, nor do I hold an interest in any insurance company.

COMPENSATION
If you choose to purchase a product through me, I will be paid a sales commission if applicable, by the company that provides the product you purchase. Please refer to the Simplified Prospectus for further details. Service fees are paid periodically based on the A.V.A.

CONFLICT OF INTEREST
I take the potential of a conflict of interest seriously. I will notify you if there is a conflict of interest of which I become aware in regards to my recommendations to you. My overall recommendation will take into consideration, and will be based on my analysis of your financial security needs.

MORE INFORMATION
Should you require additional information about my qualifications or the nature of my business relationships, I would be pleased to provide more details to assist you.

Risk of Borrowing to Invest
Here are some risks and factors that you should consider before borrowing to invest:
Is Borrowing Right for You? Borrowing money to invest is risky.

You should only consider borrowing to invest if:
  • You are comfortable with taking HIGH risk.
  • You are comfortable taking on debt to buy investments that may go up or down in value.
  • You are investing for the long-term.
  • You have a stable income.

    You should not borrow to invest if:
  • You have a low tolerance for risk
  • You are investing for a short period of time.
  • You intend to rely on income from the investments to pay living expenses.
  • You intend to rely on income from the investments to repay the loan. If this income stops or decreases you may not be able to pay back the loan.

    You Can End Up Losing Money:
  • If the investments go down in value and you have borrowed money, your losses would be larger than had you invested using your own money.
  • Whether your investments make money or not you will still have to pay back the loan plus interest. You may have to sell other assets or use money you had set aside for other purposes to pay back the loan.
  • If you used your home as security for the loan, you may lose your home.
  • If the investments go up in value, you may still not make enough money to cover the costs of borrowing.

    Tax Considerations
  • You should not borrow to invest just to receive a tax deduction.
  • Interest costs are not always tax deductible. You may not be entitled to a tax deduction and may be reassessed for past deductions. You may want to consult a tax professional to determine whether your interest costs will be deductible before borrowing to invest.Your advisor should discuss with you the risks of borrowing to invest.

    Fund manufacturers may change, reduce or cancel the monthly fund distributions.

    • ~ Email Lisa or call 519-268-0737 ~
    The information contained herein is for Ontario residents only and does not constitute an offer to sell or a solicitation in any jurisdiction in which WorldSourceFinancial Management Inc. or its Advisors are not appropriately licensed or registered or where any product or service is not eligible for sale. Details are available on request.
    Worldsource Financial Management Inc., sponsoring mutual fund dealer
    Additional products and services provided through Lisa Marques Financial Services