Disclosure Statement
David Schwarz provides insurance advisory services specializing in life, disability, critical illness, and long-term care insurance, as well as financial and estate planning.
Licensing and Jurisdiction
Schwarz Wealth Management and its agents are governed by the laws and regulations applicable to insurance agents. Our agents are licensed to provide life and health insurance, segregated funds, and other investment products. While our primary jurisdiction is Ontario, we are licensed in Alberta, British Columbia, and Prince Edward Island.
Product Providers
We maintain affiliations with leading insurance providers to offer unbiased and personalized advice. These providers include BMO, Canada Life, Foresters, Humania, iA Financial, Manulife Financial, RBC Insurance, Sun Life, and The Edge Benefits. All recommendations are based solely on the client’s needs, without influence from any specific insurer.
Our firm and agents adhere to ethical standards set by Advocis, the Conference for Advanced Life Underwriters (CALU), the Ontario Securities Commission, and the Mutual Fund Dealers Association. David holds no ownership interest in any insurance company, nor does any insurer or mutual fund company have an ownership stake in our firm.
Compensation
We are compensated through commissions during policy acceptance or segregated investment transactions. We may also receive non-monetary benefits, bonuses, or renewal/service commissions based on sales volume, business success, and other factors. These benefits support the continued servicing of your policies and investments.
Conflict of Interest
Our guiding principle is to act in the best interest of our clients. All recommendations are based on a thorough analysis of your unique needs. We are committed to transparency and will disclose any actual or potential conflicts of interest. We confirm that no conflicts of interest exist, and we will inform you immediately should any arise.