The fine print, in plain language. How FS² is registered, who provides which products, how we are paid, and what our tools and reports are (and are not).
Mutual fund products are offered through Designed Securities Ltd., our mutual fund dealer.
Life and living-benefits insurance, segregated funds, and annuities are offered through FS² Financial Solutions Squared.
FS² advisors are individually licensed for insurance in Manitoba, and the corporation is licensed in Alberta and Saskatchewan. Advisors who deal in mutual funds do so as registered representatives of Designed Securities Ltd. We act for clients in Manitoba, Saskatchewan, and Alberta. If you are outside those provinces, we will tell you honestly and point you to someone who can help.
Designed Securities Ltd. is a member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF).
Like most advisory firms, we are typically paid through commissions and ongoing trailing commissions or service fees from the insurance and investment companies whose products you choose, and in some cases through fees you agree to in advance. We will explain how we are paid on any product before you commit to it. Being paid this way can create a potential conflict of interest; we manage it by recommending only what suits your situation, disclosing material conflicts, and giving you the information to decide. You are never under any obligation, and there are no sales quotas at FS².
Commissions, trailing commissions, management fees, and expenses may all be associated with mutual fund and segregated fund investments. Please read the prospectus or Fund Facts (for mutual funds) or the information folder and contract (for segregated funds) before investing. Mutual funds and segregated funds are not guaranteed, their values change frequently, and past performance may not be repeated. Segregated fund guarantees are provided by the issuing insurance company and apply to specific maturity or death-benefit conditions described in the contract.
The calculators, estimates, and reports on this site are provided for general education and planning illustration only. They rest on the assumptions published on our assumptions page and on the information you enter. They are not individualized financial, investment, insurance, tax, legal, or accounting advice, and they are not an offer or a recommendation of any specific product. Personalized advice comes only after a licensed advisor reviews your full situation with you. Figures are estimates and your actual results will differ.
We tell you up front who will contact you, and we only reach out if you ask us to. The advisor who follows up on your results is a licensed FS² advisor, not a call centre and not a stranger who paid for your name. You can decline contact at any time. See our privacy notice for how we handle your information.
If you ever have a concern about our service or a product, please tell us first at [email protected] or 431.451.8392 so we can make it right. For concerns specifically about mutual fund products or accounts, you may also contact our mutual fund dealer, Designed Securities Ltd., which maintains a formal complaint-handling process as required by CIRO.
This website and its content are provided "as is" for information purposes. While we work to keep it accurate and current, we make no warranty that it is complete or error-free, and we are not liable for decisions made solely on the basis of the site. The FS² name, logo, and content are our property and may not be reproduced without permission. Links to third-party sites (such as client login portals) are provided for convenience; we are not responsible for their content or privacy practices. These terms are governed by the laws of the Province of Manitoba.
Reach us any time at [email protected] or 431.451.8392.
