Frequently Asked Questions

What to look for in a first meeting

The first meeting implies no obligation and is totally free. Its objective is to get to know each other and to determine the goals and expectations of the investor in order to establish a pleasant and solid relationship. It also allows him to learn more about our firm, our services, our working methodology and our infrastructure. It helps us determine if we will be able to meet your expectations.

Are you working with deferred sales charges?

We work exclusively with products that have neither front nor back end fees. Thus, investors are free to redeem or transfer their investments without incurring sales charges. In addition, it allows greater flexibility in the choice of investments during portfolio rebalancing. However, some companies require investors to keep their funds for a minimum of 90 days.

How my money will be protected?

TD Canada Trust acts as trustee for all our registered plans, and, as such, the amounts held in cash for these accounts are protected by the deposit insurance of Canada (SADC) Corporation. Thus, all deposits are immediately transferred to our trustee to proceed with the transactions. PEAK Securities Inc. is not the property of TD Bank and remains completely independent, it is also a member of the Canadian Investor Protection Fund (CIPF).

PEAK Financial Group divisions are subject to an annual audit on the part of the various agencies of the Canada regulation. An external audit of the books and records is performed by an independent firm each year. In addition, insurance protecting against the loss of titles and internal computer fraud is underwritten.

Sylvain Lapointe and FOCUS Financial Services are also supervised by l’Autorité des Marchés Financiers and la Chambre de la Sécurité Financière that requires continues education and submit them to a strict code of ethics. The Chambre de la Sécurité Financièreis also responsible for administering the ompensation fund. This Fund is to compensate victims of fraud, fraudulent or misappropriation of funds. Its main mission is to protect consumers by maintaining discipline and overseeing the training and ethics of its members.

You can validate Sylvain Lapointe’s registration at l’Autorité des Marchés Financiers by clicking on the “TEAM” tab.

Which tools are available to follow my investments?

Each transaction has to be approved by the investor and a written confirmation is sent by mail, thereafter. Every semester, clients receive a portfolio statement by mail, as well. In addition, each client has the possibility to view his statement on the Internet as often as he wants using a secure connection.

How can I evaluate my financial advisor ?

The Financial Consumer Agency of Canada, the Investor Education Fund and l’Autorité des marchés financiers created a questionnaire in order to evaluate your financial advisors. You can access the questionnaire here.

How an independent financial advisor work

An independent financial advisor offers no in-house financial products and is free to recommend the solution that best suits the client. Whether the advisor’s compensation is commission or fee based, the investor does not have to pay a surplus resulting of this independence. Rather than going internally, his remuneration is simply redirected externally to him. In other words, dealing with an independent advisor, does not cost more.

Who is PEAK Securities inc.?

With over $9 billion in assets under administration, PEAK is positioned as the leader amongst independent full-service dealers. From coast to coast, the PEAK Financial Group has captured the trust of over 1,500 independent Advisors, professionals and employees registered throughout Canada, enabling them to successfully serve more than 150,000 clients by delivering unbiased financial advice for their investments.

PEAK Securities is a PEAK Financial Group entity. PEAK Securities is also a member of the Canadian Investor Protection Fund (CIPF).

I will refer you to their web site to learn more about this company: Peak Financial Group inc.