As a professional financial advisor, I gather information about you and your future plans and objectives and recommend products based on analysis of your current financial situation and future needs. I will provide you with an unbiased assessment and recommendation that puts your interest first and foremost.

I am an insurance agent duly licensed in the Province of Alberta and am affiliated with Financial Management Brokerage Inc. Through my affiliation with this office, I am able to offer clients insurance and investment products underwritten by:

• BMO Life
• Canada Life
• Equitable Life
• Manulife
• RBC Life
• Transamerica Life

If you choose to purchase an insurance or investment product through me, I will receive a sales commission when the product is issued. I may also receive compensation while the product remains in force and may receive compensation when you engage in specific transactions. I may become eligible to receive additional compensation and benefits, such as bonuses, travel incentives and other non-monetary rewards, depending on the success of my business, volume of sales and other factors.

Substantially all of the commissions and other benefits that I receive for products offered through Financial Management Brokerage Inc. do not depend on my recommending the products of any particular insurance company but are based on my business as a whole.

(Note: If there is the appearance of any conflict of interest the law of the jurisdiction must be followed):

Alberta – Sale cannot be completed

I confirm that other than disclosed herein, there is no conflict of interest in regard to the sale of the product you are considering and that my overall recommendation is based on my analysis and assessment of your financial needs.

I would be happy to discuss any aspect of the compensation that I receive for the services provided or my commitments and obligations as your advisor.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the simplified prospectus before investing. Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently and past performance may not be repeated.

Labour Sponsored Investment Funds ("LSIF") have tax credits that are subject to certain conditions and are generally subject to recapture, if shares are redeemed within eight years. Please note that Mutual Fund Representatives in Alberta are not permitted to sell LSIF.

An investor proposing to borrow for the purchase of securities should be aware that a purchase with borrowed monies involves greater risk than a purchase using cash resources only. The extent of that risk is a determination to be made by each purchaser and will vary depending on the circumstances of the purchaser and the securities purchased.

Discuss the risks associated with leveraged mutual fund purchases with an investment funds advisor before investing. Purchases are subject to suitability requirements. Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same if the value of the securities purchased declines.

Your Worldsource Financial Management Inc. (“WFM”), mutual fund advisor maintains business interests that are separate and distinct from his/her WFM business activities. You will be provided complete information concerning these outside business interests, including who is responsible for each business activity. The disclosure will provide you with that information and will explain your rights and with respect to business that you place with WFM through your mutual fund advisor. WFM assumes responsibility and liability for “Worldsource Financial Management Inc. Business Interests” only.  All business activity undertaken by your mutual fund advisor that are not the specifically designated as “WFM Business Interests” are not the responsibility of WFM. Therefore, WFM does not assume any liability for any such activity.

The information contained on this Internet Website is for general information purposes only and is the opinion of the owners and writers Investors should educate themselves regarding securities, taxation or exchange control legislation, which may affect them personally. This web site is for general information only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. Please consult an appropriate professional regarding your particular circumstances.

This Internet Website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation.

References in this Internet Website to third party goods or services should not be regarded as an endorsement of these goods or services. By accessing any of the links provided you will be leaving the Ken Serr Financial Advisor site. Ken Serr is not responsible for the information contained on these websites.

“All information provided is believed to be accurate and reliable, however, we cannot guarantee its accuracy.  Worldsource Financial Management Inc. will not be held liable for any inaccuracies in the information presented, nor will WFM be held liable for any software damages resulting from the use of this website.  Mutual funds are offered in Canada only ”