Disclaimer & Disclosures

Educational Purpose Only

All content on this website is for informational and educational purposes only. The information presented:

• Does not constitute personalized investment, tax, legal, or insurance advice
• Is not tailored to your specific circumstances, objectives, or risk tolerance
• Should not be relied upon as the sole basis for making financial decisions
• May not be current or complete

You should consult with your own CPA, notary, and/or lawyer before making any decisions related to your corporation, taxes, estate strategies, or legal matters.

No Guarantees or Promises

This website does not:

• Guarantee investment returns, outcomes, or performance
• Promise specific tax savings or benefits
• Assure that any strategy will be suitable for your situation
• Provide certainty about future market conditions or tax law changes

Past performance does not guarantee future results. Investment values fluctuate, and you may lose money. Tax treatment depends on your circumstances and may change.

Regulatory Status & Service Providers

Mutual Funds

Mutual funds are distributed through WhiteHaven Securities Inc., a registered mutual fund dealer. Anton Ivanov is registered as a Mutual Fund Dealing Representative with WhiteHaven Securities Inc. in Québec.

Insurance Products

Insurance products and certain other services are provided through iAssure Inc., an independent firm in the insurance of persons and in the group insurance of persons. Anton Ivanov is registered as a Financial Security Advisor in Québec and Ontario, and as a Group Insurance and Group Annuity Plans Advisor in Québec.

Formal Advice Requires Engagement

Any personalized advice, recommendations, or investment management services require:

• A formal engagement and written agreement
• Know Your Client (KYC) and Know Your Product (KYP) assessments
• A suitability review based on your specific circumstances
• Ongoing monitoring and review as your situation changes

This website does not establish an advisor-client relationship. Contact us to discuss whether our services may be appropriate for your needs.

Third-Party Information & Links

This website may contain links to third-party websites, resources, or references to external information. We do not endorse, control, or assume responsibility for the content, accuracy, or practices of third-party sites. Use of such links is at your own risk.

Jurisdiction & Applicability

This website is intended for incorporated business owners in Québec and Ontario, Canada. Information may not be applicable to other jurisdictions. Tax rules, regulations, and product availability vary by province and may change.

Investment Risk Disclosure

Investing involves risk, including the possible loss of principal. There is no guarantee that any investment strategy will achieve its objectives. Investment values fluctuate with market conditions, and you may receive less than you originally invested. Different types of investments involve varying degrees of risk. You should consider your personal financial circumstances, investment objectives, and risk tolerance before investing.

Insurance Illustrations

Insurance illustrations show projected values based on assumptions that may not be guaranteed. Actual results will vary based on factors including but not limited to interest rates, mortality experience, and expenses. Non-guaranteed elements (such as dividends, credited interest rates, or cost of insurance rates) are not promises of future performance.

Always review both guaranteed and non-guaranteed projections with your advisor. The guaranteed values represent the minimum contractual benefits; non-guaranteed values are projections based on current assumptions that may change.

Interactive Tools & Calculators

Any calculators, tools, or interactive features on this website are for illustrative purposes only and do not constitute personalized advice. Results are based on assumptions that may not reflect your actual situation. These tools are intended to help you understand general concepts and should not be relied upon for making financial decisions.

Always consult your CPA, notary, or lawyer before making decisions based on calculator results.

Content Accuracy & Corrections

We strive to ensure information on this website is accurate and current. However, laws, regulations, and tax rules change frequently. Information reflects our understanding at the time of publication and may not reflect subsequent changes.

If you believe any content contains an error, please contact us and we will review and update as appropriate.

Social Media

Content shared on social media platforms (LinkedIn, etc.) is for general information only and does not constitute personalized advice. Social media posts may not reflect the most current information, regulations, or our current views.

For official and up-to-date information, please refer to this website. Engagement on social media does not establish an advisor-client relationship.

Testimonials & Reviews

Any testimonials, reviews, or case studies presented on this website or in our materials represent individual experiences and may not be representative of all clients. Past results do not guarantee future outcomes. Each client's situation is unique, and results will vary based on individual circumstances, market conditions, and other factors.