1. Educational Purposes Only

The content provided in this presentation, including all written materials, visuals, and verbal discussions, is for general educational and informational purposes only. It does not constitute personalized financial, investment, legal, or tax advice. No attendee should act or refrain from acting on the basis of any information provided during this event without seeking the appropriate professional counsel specific to their individual financial and corporate circumstances.

 

2. No Advisor-Client Relationship

Attendance at this event does not establish a formal advisor-client relationship between the attendee and Fortüna Risk Management or its representatives. A formal relationship is only established following a one-on-one consultation, completion of a thorough personal/corporate needs analysis, and the signing of applicable letters of engagement and disclosure documents as required by the Financial Services Regulatory Authority of Ontario (FSRA).

 

3. Product Disclosures, Dividend Scales, and Leverage Risks

This presentation discusses Participating Whole Life Insurance and corporate wealth strategies, including policy loans and leveraging. Attendees must be aware that:

 

* Dividends are not guaranteed: Participating policy dividends fluctuate based on the insurer’s underlying investment performance, mortality experience, and expenses. Past performance is not indicative of future results.

* Borrowing Risks: Using a life insurance policy as collateral for third-party borrowing (such as an Immediate Financing Arrangement) involves inherent risks. These include fluctuating lender interest rates, potential collateral shortfalls, and the risk that poor policy performance could require additional capital injections or erode the final tax-free death benefit.

* Liquidity Constraints: Life insurance is a long-term strategy and should not be viewed as a short-term holding or a replacement for day-to-day corporate operating capital.

 

4. Tax and Legal Disclaimer

While Fortüna Risk Management specializes in tax-efficient life insurance and risk management strategies, we do not provide accounting or legal advice. Strategies discussing the Capital Dividend Account (CDA), corporate tax sheltering, and estate transfers are based on current Canadian tax laws (CRA guidelines) as of the date of this presentation, which are subject to change. Attendees are strongly advised to consult with their own corporate accountant, tax specialist, or legal counsel before implementing any strategies discussed.

 

5. FSRA Compliance and Fair Treatment of Customers (FTC)

Fortüna Risk Management and its advisors are licensed and regulated by the Financial Services Regulatory Authority of Ontario (FSRA). We are committed to the Fair Treatment of Customers (FTC) and strict adherence to the *Life Agent Supervision Framework*. All strategies presented are strictly conceptual; actual recommendations are only made after a comprehensive suitability analysis to ensure they align with the client’s best interests, risk tolerance, and long-term financial goals.

 

6. Privacy and Confidentiality

Any personal or corporate information shared voluntarily by attendees during Q&A sessions, consultations, or registration is strictly confidential and protected in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Ontario privacy laws. We will never share, sell, or distribute your information to third parties without your explicit, written consent.

 

7. Licensing and Jurisdiction

Fortüna Risk Management operates and is licensed to provide insurance and risk management products within the province of Ontario. The strategies discussed are designed with Ontario residents and Canadian-controlled private corporations (CCPCs) in mind.

 

8. Digital Forms, and Registration Forms Information:

The information collected through our digital intake forms—including event registrations, meeting requests, and discovery bookings—is utilized strictly for audience analysis and engagement preparation. To ensure our insights are accurately aligned with your operational reality, our forms may request specific proprietary data, including financial metrics (such as income and expenses) and detailed corporate structure. Gathering these granular details enables our team to comprehensively tailor the content of our educational seminars and professional consultations, ensuring our presentations and strategic discussions are highly relevant and optimized for your benefit.

 

We are committed to maintaining the strict confidentiality of your sensitive data. All financial and organizational information provided is used exclusively for internal assessment by Fortuna Risk Management Corporation to elevate the client experience. We do not sell, distribute, or share your proprietary information with unauthorized third parties.

 

Submission of this information is entirely voluntary. By completing our forms, you consent to the collection and use of your data for the purposes outlined above. However, if you are uncomfortable disclosing specific financial or structural details, we respectfully advise you to withhold that information. Please be advised that opting out of sharing this context may limit our ability to fully customize the content, scope, and strategic value of your session.