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Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

(*) Mutual funds and GIC’s provided through Carte Wealth Management Inc.

(**) Insurance products and segregated funds provided through Experior Financial Group

(***) Phillip Brand is our Certified Financial Planner (CFP), Founder & President of Simal Consulting.