We help you get from where you are today to where you want to be tomorrow.
We help you get from where you are today to where you want to be tomorrow.
Our Services
One of the most important decisions you can make is choosing the right financial advisor to work with. That financial advisor will be an excellent resource to help you create an investment plan and guide you in identifying your investment goals and broader financial priorities.
Mutual Funds
A mutual fund is a large pool of money that is invested by experts in stocks, bonds or other securities with the goal of growing value of the overall pool. Mutual funds are very popular because they let individual investors, like you, invest in a wide variety of companies and markets in Canada and around the world at a much lower cost than if you bought and sold the stocks, bonds, etc. by yourself.
While some funds can be used for shorter term investing, usually mutual funds are appropriate for longer term investing. That’s because their value fluctuates with the values of the securities they hold and returns are not guaranteed. Short term fluctuations can be quite dramatic, but historically, over the long-term, returns have been higher than from guaranteed investments.
Mutual funds can be held in registered plans like RRSPs, RRIFs, RESPs or some pension plans. They can be also held in non-registered plans.
Segregated Funds
Segregated funds are very similar to mutual funds. A large pool of money is invested in stocks, bonds, or other securities with the goal of growing the value of the entire pool. But segregated funds are actually structured as insurance contracts, so they have some benefits that mutual funds do not.
Guarantees – Segregated funds can guarantee 75% to 100% of your contributions (minus withdrawals) when the contract matures, or on your death. The value of the contract is not guaranteed at other times.
Potential creditor protection – If the beneficiary you’ve named qualifies, segregated funds are generally protected against seizure by creditors. This can be a big advantage for business owners and professionals wanting to protect against an unexpected lawsuit or bankruptcy.
Our People
We have carefully selected our Partners, Associates and Staff based on the values important not only to us, but to our clients.
416-545-5325
Since 1995, FundEX Investments Inc. has been providing independent financial advisors with an established, fixed fee business model that enables them to access a wide variety of quality investment products to best meet the needs of Canadian Investors.
Contact Us
CPAM is based in mid-town Toronto and our attentive staff are always happy to serve you.
Creative Planning Asset Management
1867 Yonge St., Suite 500
Toronto, ON M4S 1Y5
P: (416) 487-5210
E: postmaster@cpfg.com
The sale of all Segregated Funds may not be the business of or under the supervision of FundEX Investments Inc. and FundEX may not be liable or responsible for such activities. Your FundEX Advisor may be registered through separate organizations for the purpose and as such, you may be dealing with more than one entity depending on the products purchased. For Segregated Funds products sold through FundEX and under its supervision, please refer to your FundEX statement for a listing of Investment Funds which may be sold through FundEX Investments Inc. under its supervision.
Mutual Funds provided through FundEX Investments Inc.
Investor Privacy
As an organization that collects, uses and discloses personal information, Creative Planning Asset Management is subject to the federal Personal Information Protection and Electronic Document Act (or by similar laws in the provinces of Alberta, British Columbia and Quebec), effective January 1st, 2004. In complying with these laws, it is important that Creative Planning Asset Management provide you with information so that you may fully understand the purposes for which your personal information is collected.
Over the course of your relationship with Creative Planning Asset Management and your investment funds advisor, personal information will be collected in order to administer your mutual fund account. This information typically includes your financial information and investment objectives, in addition to your current investments, banking information and your social insurance number. This information allows for but is not limited to the buying and selling of mutual funds on your behalf, in addition to providing you with reporting and the administration of your account in a compliant and regulatory manner.
At times, Creative Planning Asset Management may be required to provide this information to mutual fund companies in which you invest, self-regulatory organizations, securities regulators, law enforcement agencies and to companies that perform services on our behalf. These organizations, like Creative Planning Asset Management are bound and must comply with the same federal/provincial privacy act(s). Creative Planning Asset Management does not disclose your information to any other organization(s) to use for their own purposes and in particular will never sell or trade your personal information.
The purposes for which we collect, use and disclose your personal information are central to our being able to provide you with our services. Should you have objections to the collection and disclosure of your personal information, as listed in the foregoing, Creative Planning Asset Management will no longer be in a position to provide you with these services. Therefore, by maintaining your account with Creative Planning Asset Management we will consider that you have consented to our collecting, using and disclosing your personal information.
In representing Creative Planning Asset Management, your investment funds advisor is acting on behalf of the mutual fund dealer, FundEX Investments Inc. Your investment funds advisor may also be licensed to sell other products and, therefore may wish to provide you with advice and services in that other capacity. Should they do so, your investment funds advisor will communicate with you directly regarding any additional use or disclosure of your personal information.
If you wish to review or make changes to your personal information you may do so by making a written request to Privacy Officer, FundEX Investments Inc., 400 Applewood Crescent, 3rd Floor, Vaughan, Ontario L4K 0C3.
Should you have any questions or concerns regarding the use of your personal information we encourage you to speak with your investment funds advisor. Alternatively, you may contact the designated Privacy Officer for FundEX Investments Inc., 400 Applewood Crescent, 3rd Floor, Vaughan, Ontario L4K 0C3, via fax at 905-305-1698 or via email at compliance@fundex.com.
Compliance
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 purchased 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.
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.
Your FundEX Advisor is an investment funds advisor and may be licensed for the sale of life insurance. Your FundEX Advisor may be registered through separate organizations for each purpose and as such, you may be dealing with more than one entity depending on the products purchased. Your FundEX advisor will provide the name of the entity being represented when insurance business is conducted. The sale of insurance products may not be the business of or under the supervision of FundEX Investments Inc. and FundEX may not be liable or responsible for such activities. Please refer to your FundEX statement for a listing of life insurance products which may be sold through FundEX Investments Inc. under its supervision.
All non-mutual fund related business conducted by your FundEX Advisor is not in the capacity of an employee or agent of FundEX Investments Inc. Accordingly, FundEX is not liable and/or responsible for any non-mutual fund related business conducted by your FundEX Advisor. Such non-mutual fund related business is the responsibility of your FundEX Advisor alone.
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 Creative Planning Asset Management site. Creative Planning Asset Management is not responsible for the information contained on these websites.
The information contained on this Internet Website is for general information purposes only and is the opinion of the owners and writers. This information is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. However, please call your FundEX Advisor to discuss your particular circumstances.
This web site is intended for Canadian residents only and the information contained herein is subject to change without notice. The owner and publisher of this Internet Website are not liable for any inaccuracies in the information provided.