Terms and Disclosure

Athena Financial Inc. provides financial planning, tax-planning considerations, retirement planning, investment guidance and insurance services to residents of Canada. Our advisors and the firm hold licences and registrations with the bodies that regulate those activities.

[PLACEHOLDER: full regulatory disclosure — for each advisor, list the licence type and issuing body (for example, the British Columbia Insurance Council of BC for insurance licensing, CIRO registration and the mutual fund dealer or portfolio manager through which securities activities are conducted, and any applicable provincial securities commission registration). Include the name of the sponsoring dealer, since insurance and securities activities may be conducted through separate licensed entities, and state which entity is responsible for which activity.]

[PLACEHOLDER: statement regarding the Investment Funds/insurance products available through the firm, including any applicable fund company disclosures, and confirmation of the jurisdictions (provinces) in which the firm and each advisor are licensed.]

Everything on this website is general information for educational purposes. It is not individual financial, tax, legal or investment advice, and it is not a recommendation to buy, sell or hold any specific product. Your situation is unique — what is appropriate for one person may be wrong for another, even with similar incomes and goals.

Decisions about your finances should be made in the context of a full review of your circumstances, ideally with professional advice that covers tax and legal questions alongside financial planning. Reading this website, submitting a form, or attending a complimentary assessment does not create an advisor-client relationship.

Values, tax thresholds and rules mentioned on this site (such as contribution limits or rate figures) change. Nothing here should be relied on as current at the time you read it without verifying against the applicable legislation or a current professional review.

Past performance of any investment is not a guarantee of future results. Value of investments can go down as well as up. Case studies, examples and figures shown on this website are illustrative; individual results depend on each client's circumstances, choices and market conditions, and are not a guarantee.

Insurance product features, costs and eligibility vary by product, provider and underwriting. [PLACEHOLDER: add any product-specific or provider-specific disclosure language required by the insurers the firm represents.]