What happens during a first meeting?
The first meeting is completely free and carries no obligation. Its purpose is to get acquainted and determine your goals and expectations so we can establish a solid and pleasant relationship. It also lets you learn more about our firm, services, working methods and infrastructure, and helps us determine whether we can meet your expectations.
Who ensures the security of my money?
TD Canada Trust acts as trustee for all our registered plans. Cash held in these accounts is protected by the Canada Deposit Insurance Corporation (CDIC). Funds entrusted to us are immediately transferred to our trustee to settle transactions. PEAK Securities Inc. is not owned by TD Bank and remains completely independent. It is also a member of the Canadian Investor Protection Fund (CIPF).
PEAK Financial Group entities are reviewed annually by Canadian regulatory bodies. Their books and records are also audited each year by an independent external auditor. Financial institution insurance protects against loss of securities and internal computer fraud.
Sylvain Lapointe and FOCUS Financial Services are also regulated by the Autorité des marchés financiers and the Chambre de la sécurité financière, which require continuing education and enforce a strict code of ethics. The financial services compensation fund may compensate victims of fraud, fraudulent tactics or misappropriation of funds attributable to a firm or representative. Its main mission is the protection of the public.
You may verify Sylvain Lapointe’s registration with the Autorité des marchés financiers from the Our Team section.
What tools will I have to monitor my investments?
Every transaction must be approved by the investor, after which written confirmation is sent. Each client receives a consolidated investment statement every month by mail or email. Clients can also view it online at any time through a secure link.
How does an independent advisor work?
An independent financial advisor is free of institutional ties and offers no proprietary financial products. The advisor can recommend the solution that best suits the client. Whether the advisor is paid by commission or fees, the investor does not pay extra because of this independence. Compensation that might otherwise stay within an institution is simply redirected to the independent advisor. Working with an independent advisor therefore does not cost more.
Who is PEAK Securities Inc.?
With more than $10 billion in assets under administration, PEAK Financial Group is a leading independent multidisciplinary brokerage group. Across Canada, it supports more than 1,500 independent advisors, professionals and registered employees who serve more than 150,000 investors with impartial advice and without conflicts of interest.
PEAK Securities Inc. is an entity of PEAK Financial Group and a member of the Canadian Investor Protection Fund (CIPF).
Visit the PEAK Financial Group website to learn more.