Necessary Data:

Before making any recommendation, I will need to have up to date and accurate information of your current financial situation. This will help us determine your immediate needs and your plans for the future. The information required includes but is not limited to the following: assets, liabilities, income and expenses, unusual income (inheritance, severance), tax position, investment statements, and insurance coverage. Without this information I will not be able to formulate a cohesive and relevant plan without which we will not be able to give you appropriate advice.

​

Confidentiality:

During the course of our relationship, it will be necessary for you to provide a variety of very personal financial and medical information.  The quality of the work undertaken on your behalf requires this personal information to be accurate and complete. I, Andrej Peter Kopac, commit that all information will be held in the strictest confidence and that no information shall be divulged about your personal situation to any outside organization or Government agency without your prior consent, unless it may be required by law.  It is further understood that in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA), you directly authorize and instruct Andrej Peter Kopac & CFS Wealth Management Inc. to maintain information of a personal and private nature that could reasonably be considered pertinent or necessary in the provision of financial advice until such time as requested by you in writing to destroy such information if and when no longer required or until such time as which our business has mutually concluded. 

 

Do we disclose any information to outside parties?

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in conducting our business or servicing you. We may also release your information when we believe release is appropriate to comply with the law, enforce our regulatory policies, or protect ours or others’ rights, property, or safety. As your advisor we may contact you by telephone or electronically with future product offerings from time to time.

 

File Handling

As your advisor, Andrej Peter Kopac & CFS Wealth Management Inc. will create and maintain a client file for you. This file contains personal information, which will be used to assess your financial situation, make product recommendations, and offer continued service of your insurance and investment programs. Andrej Peter Kopac & CFS Wealth Management Inc. client file will include documents such as copies of applications, including medical information, copies of client Identification, income tax returns and bank account information. Andrej Peter Kopac & CFS Wealth Management Inc.  will also keep records of our meetings, phone calls and instructions that you provide regarding the products and services that you have purchased, or may want to purchase through Andrej Peter Kopac & CFS Wealth Management Inc. 

 

Security of Data:

Those engaging in Internet commerce dealing with financial transactions and personal information need to know that the communications are protected.  There are many facets to how we protect such information. Further detailed information on these topics can be requested from our offices. Simply fill in a request via our contact section.