Important Information

Investment services are provided by ScotiaMcLeod, a division of Scotia Capital Inc. (“SCI”). SCI is a member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund. All insurance products are offered through Scotia Wealth Insurance Services Inc., the insurance subsidiary of SCI, a member of the Scotiabank group of companies. When discussing life insurance products, ScotiaMcLeod advisors are acting as Life Underwriters (Financial Security Advisors in Québec) representing ScotiaMcLeod Financial Services Inc. Estate planning and trustee services are provided by The Bank of Nova Scotia Trust Company, an affiliate of The Bank of Nova Scotia. Banking, credit and lending services are provided by The Bank of Nova Scotia. This content and any strategies discussed herein are for general information purposes only, are not intended to provide personal investment, succession planning, estate planning, legal or tax advice, and do not take into account the specific objectives, personal, financial, legal or tax situation, or particular needs of any specific person. You should seek your own professional advice and consult with your own advisors before taking any action based on any information contained herein. The risk of loss in trading futures contracts or commodity options can be substantial, and investors should carefully consider the inherent risks of such an investment in light of their financial condition. While the information provided is believed to be accurate, neither The Bank of Nova Scotia nor any of its affiliates makes any representations or warranties, express or implied, as to the reliability, accuracy or completeness of such information. Nothing contained in this content is or should be relied upon as a promise or representation as to future performance or results. This content is based on certain assumptions and information available at the time the content was prepared, which assumptions and information may or may not be correct. Opinions and views contained in this content are subject to change without notice. Neither The Bank of Nova Scotia nor any of its affiliates accepts any liability whatsoever for any loss arising from any use of this content.

Regarding any mention of Fee Based Solutions – Investors should consult an advisor before acting on any recommendation. A fee based solution is not right for everyone. When making recommendations, we take a complete look at your financial situation, including risk tolerance and objectives to determine a strategy or strategies suitable to your individual needs. Views expressed herein are solely those of the author and not those of ScotiaMcLeod or Scotia Capital Inc.

Scotia Capital Inc. and its affiliates may collectively beneficially own in excess of 1% of one or more classes of the issued and outstanding equity securities mentioned on this site. Within the last 12 months, Scotia Capital Inc. may have undertaken an underwriting liability with respect to equity securities of, or have provided advice for a fee with respect to any securities mentioned on this site.

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.

All performance data represents past performance and is not indicative of future performance.

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