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Welcome to the Chamberlain Experior Group
Your Legacy Is What You Leave for Others. What Is Yours?
Expert Financial Planning & Wealth Management for Alberta Farms, Ranches, and Businesses.
Chamberlain Experior Group provides comprehensive financial planning and wealth management services for Alberta farm families, ranchers, and business owners. We specialize in farm succession planning, estate planning, retirement planning, tax-efficient strategies, and disability savings plans (RDSP). Our education-first approach ensures you understand your options and make informed decisions for your family's future.
Explore our comprehensive services: Farm Succession Planning | RDSP Information | Meet Our Team | FAQ
Discover Your Investor Profile | Risk Tolerance Assessment
Understanding your risk tolerance and investment preferences is the foundation of building the right portfolio for your goals. Our Investor Profile Questionnaire helps you assess your comfort level with investment risk, time horizon, and financial objectives.
Complete this brief questionnaire with your advisor to:
  • Identify your investor profile and risk tolerance
  • Align your investments with your financial goals
  • Make informed decisions about your portfolio strategy
  • Ensure your investment approach matches your comfort level
This assessment takes just a few minutes and provides valuable insights that guide our recommendations for your unique situation.
Registered Disability Savings Plan (RDSP) in Alberta | Maximize Government Grants & Bonds
Updated for 2025 - The Registered Disability Savings Plan (RDSP) helps Canadians with disabilities build long-term financial security. Benefit from tax-deferred growth, government grants up to $3,500 annually, and bonds up to $1,000 per year. Our Alberta-based financial advisors help you understand RDSP eligibility requirements and maximize your benefits. Whether you're in Calgary, Edmonton, Red Deer, or rural Alberta communities, our advisors can help you navigate RDSP applications, maximize government contributions, and integrate the RDSP into your overall financial plan.
Maximizing Your RDSP Grants & Bonds
Understanding how to fully leverage the Canada Disability Savings Grant (CDSG) and Canada Disability Savings Bond (CDSB) is key to long-term financial security. Our experts guide you through the strategies to ensure you receive the maximum government contributions available for your Registered Disability Savings Plan.
By focusing on these key areas, you can significantly enhance your RDSP's growth, securing a brighter financial future for individuals living with disabilities in Alberta. We help simplify the complexities to maximize your benefits.
Trusted Financial Advisors for Alberta Families, Business Owners & Rural Communities
At Chamberlain Experior Group, we put people first. We are proud to be trusted financial stewards for families and futures across our Alberta communities, not just product distributors.
Trust is earned through small, consistent actions, especially in the context of rural Alberta financial planning: answering the phone, responding promptly, and doing what we say we'll do. We get to know clients as people—their values, concerns, and goals—not just their account balances. We avoid jargon, don't pretend to know everything, and explain options in clear, practical language tailored to our local community.
When life gets complicated, when decisions feel overwhelming, or when crisis hits, we're the local people you can call. And we'll show up for you, right here in Alberta.
Financial Planning Services for Alberta Farm Families & Business Owners
With over 35 years of dedicated experience, we've had the privilege of working alongside the families and business owners who make rural Alberta strong. We truly understand your world because we're part of it—from the unique seasonal rhythms of agricultural financial planning to the long-term thinking required for multi-generational farm operations, and the weight of financial decisions that affect generations to come across our rural Alberta communities.
Farm & Ranch Families
We specialize in comprehensive agricultural financial planning, including crucial farm succession planning, estate transfers, and strategic protection of the legacy generations have built. We understand your busy seasons and respect that your multi-generational farm business and personal finances are deeply connected within your rural Alberta community.
Business Owners & Professionals
Our financial planning services extend to corporate planning, robust buy-sell funding, and tailored retirement strategies for business owners. Your personal and business finances are deeply intertwined, and the strategic decisions you make today will profoundly affect your exit options tomorrow.
Families Planning for the Future
We provide comprehensive solutions for protection, retirement income, and peace of mind for every stage of life in rural Alberta. From growing families to critical retirement transitions and multi-generational wealth transfer, we help you navigate each financial chapter with confidence and expert guidance, leveraging our 35+ years of experience.
Serving Alberta Communities Including:
We are proud to serve farm families and business owners across the entire province, including residents of Calgary, Edmonton, Red Deer, Lethbridge, Medicine Hat, Grande Prairie, Fort McMurray, Airdrie, Spruce Grove, Leduc, Camrose, Wetaskiwin, and rural communities throughout Central Alberta, Southern Alberta, and Northern Alberta.
Meet Your Alberta Financial Planning Team |
Jim Chamberlain, PFP, CEA, CSC
Jim Chamberlain, PFP, CEA, CSC
With over 37 years of experience as a certified financial planner in Alberta and 22 years in senior management with major insurance carriers, Jim brings deep industry knowledge and a genuine commitment to the families he serves. As a farm succession specialist and estate planning expert, he helps multi-generational families transfer land and operations while keeping everyone protected and treated fairly.
Jim, a PFP, CEA, and CSC credentialed professional, is known for explaining complex topics in plain language, showing up when it matters, and building relationships that last decades. When he's not working with clients, Jim leads worship at his church, works in his woodworking shop, and spends time with his wife Judy and their family.
PFP
Professional Financial Planner
CEA
Certified Executor Advisor
CSC
Canadian Securities Course
You're not just working with Jim. You're supported by a team dedicated to your success. Our advisors, administrators, and specialists work together to ensure nothing falls through the cracks and you always have someone in your corner. We're part of the Experior Financial network of over 11,000 advisors across North America, giving you access to extensive resources while maintaining the personal service of a local practice.
How We Work Together
Financial planning works best when both sides understand their role. This page explains what you can expect from us, what we need from you, and why your participation matters to your outcomes.
We're committed to treating you fairly throughout our relationship. Part of that commitment means making sure you have what you need to participate effectively in your own financial wellbeing.
What You Can Expect From Us
These aren't just promises—they're the standards we hold ourselves to every day. When you work with Chamberlain Experior Group, you can count on clear communication, proactive service, and genuine partnership.
Responsive Communication
We'll respond to your questions within one business day. If you reach out, you'll hear back—no wondering if your message got lost.
Regular Reviews
We'll conduct a comprehensive review of your plan annually, or more frequently if your situation requires it. Your plan should evolve as your life does.
Proactive Guidance
We'll reach out when market conditions, regulatory changes, or life events may affect your plan. You shouldn't have to wonder if something impacts you.
Clear Explanations
We'll explain our recommendations in plain language and answer your questions until you're comfortable. No jargon, no assumptions about what you already know.
Thorough Documentation
We'll document our advice and your decisions, and provide you with copies for your records. You'll always have a clear paper trail.
Privacy Protection
We'll protect your personal information according to Canadian privacy law. Your trust deserves our vigilance.
Advisor Coordination
We'll coordinate with your other advisors—accountants, lawyers—when needed. Complex planning works best when everyone's on the same page.
What We Need From You
Our advice is built on your circumstances. When your life changes, the recommendations we made based on your previous situation may no longer fit. By keeping us informed, you help us help you.
Family Changes
Marriage, separation, divorce, birth or adoption of children, or death of a spouse or dependent—these changes often mean updating beneficiaries and reassessing insurance needs.
Work & Income Changes
Job changes, promotions, job loss, significant income shifts, or business ownership changes affect your insurance coverage, income protection, and tax strategies.
Health Changes
Health diagnoses, injuries, or new caregiver responsibilities can affect your eligibility for coverage, your available income, and your retirement timeline.
Financial Changes
Inheritances, financial windfalls, home purchases or sales, or retirement timeline changes all affect your planning picture and require strategy adjustments.
When life changes happen and we don't know about them, you may be following a plan that no longer fits your situation. That can mean being underinsured when you need more protection, paying for coverage you no longer need, missing tax planning opportunities, or having beneficiary designations that don't reflect your current wishes.
We have professional obligations to make sure our advice stays appropriate for your situation. But we can only do that if we know when your situation changes. By keeping us informed, you're not just helping us do our job—you're protecting your own interests.
Farm Succession Planning & Estate Planning for Alberta Agricultural Families
Farm and ranch families in Alberta face unique challenges when it comes to estate planning and farm succession. Many advisors don't understand the complexities of seasonal cash flow, land transfers, equipment financing, and the crucial goal of keeping the operation in the family for another generation. Our specialized knowledge addresses these multi-generational farm transfers, ensuring your agricultural estate planning is comprehensive and effective.
We understand your busy seasons; we won't call during calving or harvest. We recognize that your business and personal finances are deeply connected, and our tax planning for farmers helps optimize both. We respect that decisions about land and legacy preservation involve the entire family, often spanning multiple generations, to secure your future.
5 Essential Steps to Successful Farm Succession Planning in Alberta
Farm succession planning is one of the most important—and often most challenging—decisions farm families face. Whether you're wondering how to transfer your farm to the next generation, minimize capital gains tax, or ensure fairness among your children, here's our proven framework for a smooth transition in 2025 and beyond:
01
Step 1: Start the Conversation Early
Begin family discussions 5-10 years before your planned transition. Address expectations, identify who wants to farm, and discuss fairness versus equality among children. Open communication prevents conflicts later.
02
Step 2: Assess Your Current Financial Position
Document all assets: land, equipment, livestock, buildings, and investments. Understand current market values and tax implications. This baseline is critical for planning.
03
Step 3: Explore Tax-Efficient Transfer Strategies
Alberta farm families have unique tax planning opportunities. Strategies include capital gains exemptions, estate freezes, holding companies, and phased transfers. Professional guidance maximizes tax savings.
04
Step 4: Create a Comprehensive Succession Plan
Document your plan in writing. Include timelines, ownership transfer mechanisms, compensation structures, and contingency plans. Address both business succession and estate planning.
05
Step 5: Review and Adjust Regularly
Your plan should evolve as circumstances change. Annual reviews ensure your strategy remains aligned with family goals, tax laws, and market conditions.
Need help getting started? Our Strategic Assessment identifies where you are today and creates a roadmap for your farm's future.
Comprehensive Financial Services for Farm & Ranch Families in Alberta
Farm Succession Planning
Our specialized farm succession planning for Alberta families helps transfer your operation to the next generation. We ensure fair treatment for all children, minimize taxes, and secure your retirement planning for farmers. Our agricultural estate planning expertise navigates complex family dynamics and financial challenges unique to Alberta's rural communities.
Agricultural Estate Planning & Complexity
The unique complexities of land, equipment, livestock, and family dynamics in Alberta's rural communities create significant agricultural estate planning challenges. We coordinate seamlessly with your lawyers and accountants to orchestrate these moving pieces, ensuring nothing is overlooked in your farm succession planning.
Protecting Key Farm People & Operations
We provide life and disability insurance strategies designed to keep your Alberta farm operation running smoothly if something happens to you, your partner, or a key employee. Our goal is to identify and protect against critical risks, safeguarding your farm's future and ensuring business continuity.
Retirement Planning for Alberta Farmers
Our retirement planning for farmers focuses on building income sources that don't require selling the land, allowing you to step back while keeping the farm in the family. You've worked a lifetime on your Alberta farm—you deserve to enjoy the rewards without giving up what matters most, supported by sound farm tax strategies.
Our Tailored Approach for Alberta Farms
We start by deeply understanding your Alberta farm operation, your family's unique dynamics, and your long-term goals. We collaborate closely with your accountant and lawyer to ensure everyone is coordinated for optimal agricultural estate planning. We present options in plain language, avoiding financial jargon. And we remain a long-term partner, adjusting your plan as circumstances in rural Alberta change.
For our Alberta farm clients, we strategically schedule reviews around your busy seasons. This means spring meetings before you get on the field, and fall meetings after harvest. We respect your time and your dedication to your work.

Farm Succession Events in Alberta
We host seasonal sessions for Alberta farm families to learn about farm succession planning, agricultural estate strategies, and protecting what you've built. These are educational, not sales pitches. Watch for announcements about our upcoming spring and fall events in Alberta's rural communities.
Frequently Asked Questions About Farm Succession Planning & Financial Services
When should I start planning for farm succession?
Begin 5-10 years before transition. This allows time for tax planning, family discussions, and operational changes. We work with families at every stage.
What is the RDSP and who qualifies?
The Registered Disability Savings Plan helps Canadians with disabilities save for the future. Qualify with the Disability Tax Credit, under age 60, Canadian resident. Government provides grants up to $3,500 annually.
How much does financial planning cost?
We offer a complimentary initial Strategic Assessment. Fee structure varies based on complexity. We're transparent about costs upfront.
Do you only work with large farms?
No. We serve farm families of all sizes, from small operations to large enterprises, plus business owners throughout rural Alberta.
What makes farm succession different from estate planning?
Farm succession involves unique challenges: land transfers, capital gains tax, operational continuity, balancing farming and non-farming children, and preserving family relationships.
How often should we review our financial plan?
Annual reviews minimum, plus check-ins for major life changes (births, deaths, marriages, health changes, business expansions).
What Our Clients Say About Working With Chamberlain Experior Group
"Jim helped us navigate the complex process of transferring our family farm to the next generation. His knowledge of agricultural tax strategies saved us thousands and kept our family relationships intact throughout the transition."
— Multi-Generational Farm Family, Central Alberta
"The RDSP guidance we received was life-changing. We didn't know we qualified for government grants, and now our daughter has a secure financial future. Jim took the time to explain everything in plain language."
— Rural Alberta Family
"After 30 years of building our ranch, we finally have a clear succession plan. Jim's education-first approach meant we understood every decision we made. He's not just our advisor—he's become a trusted partner."
— Ranch Family, Southern Alberta
Ready to start your financial planning journey? Request your complimentary Strategic Assessment today.
Why Alberta Families Choose Chamberlain Experior Group for Financial Planning
Local Expertise, Provincial Reach
Based in Alberta with deep roots in rural communities. We understand the unique challenges facing farm families, ranch operations, and agricultural businesses across the province.
Specialized Knowledge
  • 35+ years serving Alberta farm and ranch families
  • Certified financial planning credentials (PFP, CEA, CSC)
  • Expertise in agricultural tax strategies and farm succession
  • RDSP specialists helping families with disabilities
Education-First Approach
We don't just give advice—we help you understand your options. Our clients make informed decisions because we take time to explain complex financial concepts in plain language.
Comprehensive Services Under One Roof
From farm succession planning to estate planning, retirement strategies to RDSP management, we provide integrated financial solutions tailored to your family's unique situation.
Proven Track Record
Trusted by hundreds of Alberta families for over three decades. Our long-term client relationships speak to our commitment to your success.
Complimentary Strategic Assessment
Start with no obligation. We'll review your current situation, identify opportunities, and create a roadmap for your financial future—at no cost.
Contact Chamberlain Experior Group | Alberta Financial Planning Consultation
Contact Jim Chamberlain
Whether you're ready to start your farm succession planning consultation or just have questions, we're here to help with a free financial consultation. As your dedicated Alberta financial advisor, we're committed to responding within one business day.
William Edward James (Jim) Chamberlain, PFP, CEA, CSC
Senior Manager, Chamberlain Experior Group
Phone: 587.962-1963
Email: wchamberlain@experiorfinancial.ca
Address:
195 – 3015 5 Ave NE
Calgary, AB T2A 6T8
15 Doubletree Way Strathmore AB T1P1M8

Office Hours: Jim is often in the field meeting with clients across rural Alberta. The best way to connect is by phone or email, and we'll schedule a time that works for you—whether that's at our Calgary office, at your kitchen table, or over video call.
Request a Strategic Assessment
A Strategic Assessment is a structured review of your current situation, your goals, and your gaps. It's a conversation, not a sales pitch. We'll help you understand where you stand and what options you have.
01
Reach Out
Contact us by phone or email to schedule your initial conversation
02
Discovery Meeting
We'll discuss your situation, goals, and concerns in plain language
03
Review Your Options
We'll present clear recommendations and answer all your questions
04
Move Forward Together
If it's a good fit, we'll implement your plan and stay with you for the long term
Part of the Experior Financial network of over 11,000 advisors across North America
The information provided on this website is for general educational purposes only and does not constitute financial, legal, or tax advice. Individual circumstances vary, and personalized recommendations require a formal consultation. For full terms and conditions, please see our Disclaimer & Privacy Policy.
Farm Succession Plan & Financial Analysis
Strategic Transition Strategy | Confidential Document that we use to gather information have a look
Section 1: Family Unit Identity
Mother's Name (First & Last):                                                        
Father's Name (First & Last):                                                        
Succession Goals:                                                                                                                                                                                 "1. Transition ownership to next generation... 2. Minimize tax burden... 3. Ensure fair treatment of all children..."
Section 2: Part #1 - Farm Enterprise Data (Valuation)
Section 3: Part #5 - Parents' Income Needs
Section 4: Part #6 - Farm Affordability (Revenue)
Section 5: Children & Succession Details
Section 6: Key Planning Notes

Current Estate Plan Status (Yes/No/Needs Update):            
Wills & Powers of Attorney Current? (Yes/No):               
Life Insurance in Place? (Yes/No - Amount: $_______):            
Disability Insurance? (Yes/No):               
Critical Illness Coverage? (Yes/No):               
Section 7: Next Steps

Note: Future income needs are calculated at 25% inflation over 10 years as per succession planning guidelines. This form will be reviewed during your Strategic Assessment meeting.
Disclaimer & Privacy Policy
Important Legal Information
The information contained on this website is provided for general educational and informational purposes only. It is not intended to constitute financial, investment, legal, tax, or professional advice of any kind.
No Financial Advice
The content on this website does not constitute personalized financial advice or recommendations. Every individual's financial situation is unique, and decisions should be made only after a thorough assessment of your specific circumstances, goals, and risk tolerance. We strongly recommend consulting with a qualified financial professional before making any financial decisions.
Regulatory Disclosure
William Edward James (Jim) Chamberlain operates under the registered trade name of Chamberlain Experior Group and is licensed to provide financial services in Alberta. All recommendations and product offerings are subject to applicable provincial and federal regulations. Insurance products and services are provided in accordance with licensing requirements.
Accuracy of Information
While we strive to ensure the accuracy and timeliness of information presented on this website, financial regulations, tax laws, and product details change frequently. Information may become outdated, and we make no guarantees regarding the completeness, accuracy, or reliability of any content. Government grant amounts, RDSP contribution limits, and tax rules referenced are subject to change.
Limitation of Liability
Chamberlain Experior Group, Jim Chamberlain, and his MGA shall not be held liable for any decisions made based solely on information obtained from this website. Any actions taken based on website content are at your own risk. We are not responsible for any losses, damages, or consequences arising from reliance on general information without personalized consultation.
Third-Party Links
This website may contain links to third-party websites, including our advisor recruitment site. We are not responsible for the content, accuracy, or privacy practices of external sites. Links are provided for convenience only and do not constitute endorsement.
Privacy & Confidentiality
We are committed to protecting your privacy in accordance with Canadian privacy legislation (PIPEDA). Personal information collected through this website or during consultations is used solely for the purpose of providing financial services and is kept strictly confidential. We do not sell, rent, or share your personal information with third parties except as required by law or with your explicit consent.
  • Information collected may include: name, contact details, financial information, and other data necessary to provide professional services.
  • This information is stored securely and accessed only by authorized personnel.
Client Testimonials
Testimonials and client stories presented on this website represent individual experiences and may not be representative of all client outcomes. Results vary based on individual circumstances, and past performance does not guarantee future results.
Professional Relationship
Viewing this website or contacting us does not create a formal advisor-client relationship. A professional relationship is established only through a signed engagement agreement following an initial consultation.
Updates to This Policy
We reserve the right to update this disclaimer and privacy policy at any time. Continued use of this website following changes constitutes acceptance of the updated terms.
Questions or Concerns
If you have questions about this disclaimer, our privacy practices, or how your information is handled, please contact:
Jim Chamberlain, PFP, CEA, CSC
Email: wchamberlain@experiorfinancial.ca
Phone: 587-952-2466
Last Updated: February 2025
Privacy Policy
Effective date: 2026-02-11
Last updated: 2026-02-11
1. About Chamberlain Experior Group
Chamberlain Experior Group is an independent financial advisory firm based in Strathmore & Calgary Alberta providing life and health insurance, investment, and financial planning services to clients in Alberta, Saskatchewan, British Columbia. We are committed to protecting the privacy of the personal information entrusted to us by our clients and website visitors.
We manage your personal information in accordance with Alberta's Personal Information Protection Act (PIPA) and, where applicable, Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and any other privacy laws that apply to our activities.
This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit our website at chamberlainexperiorgroup.com & chamberlainexperioradvisorgroup.ca (the "Sites"), interact with us online or offline, or receive our advisory services.
2. Scope of this Privacy Policy
This Privacy Policy applies to personal information that we collect:
  • Through our Site, client portals, online forms, and digital tools.
  • In the course of providing insurance, investment, and financial planning services.
  • Through communications with you by email, phone, video conference, social media, or in person.
This Privacy Policy does not apply to information about our employees, which is handled under separate internal policies, or to information collected by third‑party websites that are not controlled by us.
3. Accountability and Contact Information
We are responsible for personal information under our control, including personal information that we transfer to or receive from third‑party service providers.
We have designated a Privacy Officer who is accountable for our compliance with applicable privacy laws.
Privacy Officer: Jim Chamberlain
Mailing address: 15 Doubletree Way Strathmore AB T1P1M8
Telephone: 587-962-1963
Email: jim@chamberlainexperioradvisorgroup.ca
4. What Personal Information We Collect
The type of personal information we collect depends on your relationship with us and the products and services you use. It may include:
  • Identification information: Name, home and mailing address, email address, telephone number, date of birth, client ID numbers, copies of government‑issued identification, citizenship or residency status where required.
  • Financial and investment information: Income, assets, liabilities, banking information (e.g., institution, transit, account numbers), investment holdings, risk tolerance, investment objectives, time horizon, tax status, account numbers with custodians/dealers.
  • Insurance and health information (where required for life and health insurance products): Medical history, lifestyle and occupation information, smoker status, family health history, beneficiary information, and other information required for underwriting and claims.
  • Know‑Your‑Client (KYC), suitability, and compliance information: Information required under securities, insurance, and anti‑money laundering/anti‑terrorist financing laws and regulations, including identification documents, source of funds, and information about investment experience and knowledge.
  • Relationship and demographic information: Marital status, dependents, beneficiaries, employment information, employer name and address, business ownership information.
  • Online and technical information: IP address, browser type, device identifiers, operating system, pages viewed, referring URLs, timestamps, and cookie data when you visit our Site or use our digital services.
We may collect other information with your consent or as permitted or required by law.
5. How We Collect Personal Information
We collect personal information in several ways, including:
  • Directly from you, when you complete applications, KYC forms, financial planning questionnaires, or other documents, whether in person, by email, through e‑signature, or via online forms.
  • Through our ongoing interactions with you, such as meetings, calls, emails, video conferences, and client review meetings.
  • From insurance carriers, managing general agencies, investment dealers, custodians, fund companies, and other product providers with whom you have or apply for products and services.
  • From third‑party service providers, such as credit agencies, identity verification services, and compliance tools, where permitted by law and with appropriate consent where required.
  • Automatically, through cookies and similar technologies when you use our Site, as described in the "Cookies and Analytics" section below.
6. Purposes for Collecting, Using, and Disclosing Personal Information
We collect, use, and disclose personal information only for purposes that a reasonable person would consider appropriate in the circumstances. These purposes include:
  • To identify you and verify your identity.
  • To understand your needs, financial situation, and objectives.
  • To assess suitability and eligibility for insurance and investment products and services.
  • To provide advice, financial planning, insurance, and investment services, and to administer your accounts and policies.
  • To process applications, place insurance coverage, open and maintain investment accounts, execute transactions, and process premium payments and contributions.
  • To evaluate and administer insurance claims and underwriting.
  • To comply with legal, regulatory, and self‑regulatory requirements, including those of Provincial insurance regulators, tax authorities, and anti‑money laundering/anti‑terrorist financing obligations.
  • To manage our business relationship with you, including communications, account reviews, and ongoing service.
  • To maintain accurate records, respond to your inquiries, and provide client support.
  • To manage and mitigate risk, including fraud prevention, security monitoring, and quality assurance.
  • With your consent, to send you newsletters, updates, event invitations, and other marketing or educational materials that may be of interest to you.
  • For any other purposes identified at the time of collection or as otherwise permitted or required by law.
If we intend to use your personal information for a new purpose not identified at the time of collection, we will obtain your consent, unless otherwise permitted or required by law.
7. Consent
We generally collect, use, and disclose your personal information with your consent, which may be express (verbal, written, or electronic) or implied, depending on the sensitivity of the information and the context.
By providing personal information to us, using our services, or visiting our Site, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy. In some circumstances, we may rely on a third party (such as an insurer or dealer) to obtain your consent for certain collections, uses, and disclosures.
You may withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice. Withdrawal of consent may limit our ability to provide you with certain products or services. To withdraw your consent, please contact our Privacy Officer using the contact information above.
In certain circumstances, we may collect, use, or disclose personal information without your knowledge or consent as permitted or required by law.
8. How We Share Personal Information
We may disclose your personal information to third parties for the purposes described above, including:
  • Insurance carriers and managing general agencies (MGAs): To obtain quotes, underwrite and administer policies, process claims, and provide ongoing service and reporting.
  • Investment dealers, custodians, and product providers: To open accounts, execute trades, hold assets, provide statements and reporting, and support investment and wealth management services.
  • Regulators, self‑regulatory organizations, and government authorities: Including securities and insurance regulators, CIRO, the Canada Revenue Agency, and other tax, law enforcement, or regulatory bodies where required or permitted by law.
  • Third‑party service providers: Organizations that provide services on our behalf, such as Laylah, Planworth, Quicksigner, Drop Box, ETC Projects. We require these service providers to protect personal information and to use it only for the purposes for which it was provided.
  • Successors and assigns: In the event of a sale, transfer, reorganization, or other disposition of all or part of our business, personal information may be transferred to a successor or other organization, subject to appropriate confidentiality arrangements and applicable law.
We do not sell your personal information to third parties.
9. Cross‑Border Transfers
Some of our service providers and other parties to whom we disclose personal information may be located outside Alberta and outside Canada. As a result, personal information may be transferred to or stored in foreign jurisdictions and may be subject to the laws of those jurisdictions, including access by courts, law enforcement, and national security authorities.
We take reasonable steps to ensure that any such transfers comply with applicable privacy laws and are subject to appropriate safeguards, such as contractual commitments and security measures.
10. Safeguards
We protect personal information in our possession or control using physical, organizational, and technological safeguards that are appropriate to the sensitivity of the information, including:
  • Physical measures such as secure offices, locked filing cabinets, and controlled access areas.
  • Organizational measures such as policies and procedures, access controls, confidentiality agreements, and staff training.
  • Technological measures such as password protection, firewalls, encryption, secure portals, and other security technologies.
While we use reasonable safeguards, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security, but we strive to protect your personal information from loss, theft, misuse, unauthorized access, disclosure, alteration, and destruction.
11. Retention of Personal Information
We retain personal information only as long as necessary to fulfill the purposes for which it was collected and to meet our legal, regulatory, and business requirements.
Retention periods may be influenced by requirements of securities and insurance regulators, tax authorities, anti‑money laundering laws, and industry guidelines. When personal information is no longer required, we will take reasonable steps to securely destroy, delete, or anonymize it.
12. Accuracy
We make reasonable efforts to ensure that the personal information we collect and use is accurate, complete, and up to date for the purposes for which it is used.
You can help us maintain the accuracy of your information by informing us of any changes to your personal information, such as changes in contact details, marital status, or financial circumstances.
13. Your Rights: Access, Correction, and Complaints
You have the right to request access to the personal information we hold about you, subject to certain exceptions under applicable privacy laws. Upon written request and verification of your identity, we will inform you of the existence, use, and disclosure of your personal information and provide you with access to that information, as required by law.
You may also request that we correct or update any personal information that you believe is inaccurate or incomplete.
To make an access or correction request, or to raise a question or concern about our privacy practices, please contact our Privacy Officer using the contact information above.
If you are not satisfied with our response to a privacy‑related concern, you may have the right to complain to the Office of the Information and Privacy Commissioner of Alberta or, where applicable, to the Office of the Privacy Commissioner of Canada or another relevant privacy regulator.
14. Cookies and Analytics
Our Site may use cookies, web beacons, and similar technologies to:
  • Recognize your browser or device.
  • Improve Site performance and user experience.
  • Analyze Site usage and trends.
  • Support security and fraud prevention.
You can configure your browser to block cookies or to notify you when a cookie is set. However, if you disable cookies, some features of our Site may not function properly.
We may use web analytics tools to collect and analyze information about the use of our Site. These tools may collect information such as your IP address, page requests, and referring websites. This information is used in aggregate form to understand how visitors interact with our Site and to improve our services.
15. Links to Other Websites
Our Site may contain links to third‑party websites or resources that are not operated by us. This Privacy Policy does not apply to those websites. We are not responsible for the privacy practices, content, or security of third‑party websites. We encourage you to review the privacy policies of any websites you visit.
16. Children's Privacy
Our services are not directed to children under the age of 16, and we do not knowingly collect personal information from children without appropriate consent. If we become aware that we have collected personal information from a child without consent, we will take steps to delete that information in accordance with applicable laws.
17. Changes to this Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. When we make changes, we will post the updated Privacy Policy on our Site and revise the "Effective date" at the top.
We encourage you to review this Privacy Policy periodically to stay informed about our privacy practices. Your continued use of our Site or services after any changes have been posted will signify your acceptance of the revised Privacy Policy.