As a Carte Wealth Management Inc. (CWMI) representative I may be dually licensed for the sale of mutual funds and insurance products and may represent separate companies for each purpose. As such you may be dealing with more than one company depending on the products purchased, or services rendered. Remuneration may also vary with the particular products/services purchased. I will be representing CWMI for the sale of mutual fund products and will provide you with the name of the entity that I represent while conducting insurance related business. The sale of insurance products is not the business of, or under the supervision of CWMI, and CWMI will not be liable or responsible for such activities. I am a Financial Advisor represented by Carte Wealth Management Inc. I am also an Insurance Advisor represented by OM Financial and Financial Horizons. I am also a Property & Casualty Insurance Advisor represented by Avon Insurance Management Inc. O/A AIM Insurance. Any activity relating to my occupation as an Insurance Advisor and Property & Casualty Insurance Advisor is not the business of, or under the supervision of, Carte Wealth Management Inc., and Carte Wealth Management Inc. will not be liable or responsible for such activities.